vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I DID NOT BENEFIT FROM OR APPROVE OF. XXXX of them are collections accounts from a hospital that stated my health insurance would cover them, yet they sold my information fraudulently to a debt collector and this is affecting my credit. I was a victim of both the EQUIFAX AND XXXX XXXX XXXX, which has also affected me, causing others to use and sell my personal information as they please. I need these fraudulent accounts removed permanently and expeditiously!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
XXXX XXXX dollars .The account is to old and should not be on my credit report now. Its been 7 years.Colonial auto finance. account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As I was going through my credit profile there were some hard inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is not mine. I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXXXXXX XXXX XXXX  Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 
This account is not mine. I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I Checked my Credit Report and I have been a victim of identity theft. I am requesting the immediate blocking of the fraudulent information on my credit report pursuant to 15 U.S Code 1681c-2. 

XXXX Accounts : XXXX and XXXXXXXX XXXX Accounts : XXXX and XXXX XXXX account : XXXX. 

I Request that you block the above referenced information from my credit report within the 4 business days as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I Checked my Credit Report and I have been a victim of identity theft. I am requesting the immediate blocking of the fraudulent information on my credit report pursuant to 15 U.S Code 1681c-2. 

XXXX Accounts : XXXX and XXXX XXXX  Accounts : XXXX and XXXX XXXX  account : XXXX. 

I Request that you block the above referenced information from my credit report within the 4 business days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize.

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
My credit report is showing a collection account from LAW OFFICE MBA on XXXX. I didnt receive written notification about this debt therefore I didnt have a chance to dispute on my behalf. I am also requesting debt validation according to 15 USC 1692g I am requesting in the debt validation for a detailed list of my history of payments made on this account, I want to see my signature that I put on a contract guaranteeing that I pay this creditor, has there been an insurance claim filed, and lastly I want to see the proof that you have chain of title to collect on this debt. Without proof of this information this collection should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted this dispute & this company will not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
PROCOLLECT , INC XXXX - Collection XX/XX/year> Paid, Closed. 
XX/XX/year> -- XX/XX/year> Original Creditor PORTICO APARTMENTS/ XXXX Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Original Balance Terms Responsibility Your Statement : {$3300.00} 1 Month Individual Comments : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I am requesting this collection to be removed from my credit report. It was never communicated with me before reporting me to credit bureau the chance to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XX/XX/XXXX {$700.00} Home DepotXXXX I returned the refrigerator bought on XX/XX/XXXX as agreed with Home Depot . It is a ball of confusion as to whether or not I received a refund of the {$700.00}. I asked Citi to clear this up. It appears that there are " reversals '' that actually show as a charge to my account. For the love of XXXX I was never given a partial refund. At one point I was given {$160.00} Customer Satisfaction credit for a scratch on the frig. A day later, due to the noise of the frig, Home Depot agreed to take it back for a full refund. That leaves {$530.00}. Which I told Citi that Home Depot returned to me in cash ( on a recorded line ). 
I asked Citi to have a human being go through all of the credits, conditional credits, and debits to my credit card account and explain to me simply and clearly how it all balances out. The losers replied that they would be re-contacting the merchant. That is unnecessary and does not answer my question. 
Also, the losers ( Citi ) sent me a " XXXX page document '' on XX/XX/XXXX which only included pp. XXXX, not XXXX & XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a checking and saving account with citibank several month, XXXX ago I travel on XXXX and XXXX XXXX when I travel outside of U.S. before everytime I did every transition I called citibank and let them know what going on, and after when I stay my hometown XXXX XXXX XX/XX/XXXX I found my all of citibank account has been closed, I feel so confused and so sad, this is like the discrimination against intermational students, which makes me feel very uneasy and anxious, right now I couldn't go back to U.S and get my founds withdraw, I don't know when because I am waiting my new student visa. this is unfair for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello and good day! Please carefully read and check my complaint. My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This accounts were not verified correctly and oppened FRAUDELENT under my name. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know when this accounts were oppened or amounts owed or if its current. I purchased a XXXX bureau credit report and notice this fraud accounts. 

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This accounts were not verified correctly and oppened FRAUDELENT under my name. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know when this accounts were oppened or amounts owed or if its current. I purchased a XXXX bureau credit report and notice this fraud accounts. 

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have been reported on my credit report by Equifax. Upon reviewing my credit report, I discovered that these inquiries were made without my authorization and are fraudulent.

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX have not initiated any credit applications or given my consent for these inquiries. Therefore, I request that these fraudulent inquiries be removed from my credit report immediately. 

Attached to this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documents, including a police report filed for identity theft and a copy of my government-issued ID for verification purposes. 

Please investigate this matter promptly and provide a written confirmation once the inquiries have been removed. I also request that a corrected copy of my credit report be sent to me once the inaccuracies have been resolved. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I contacted the debt collector and requested information pertaining to the debt. Advised per the apartment complex I was told to give up possession or pay rent. I decided to give up possession. I was advised I would not be charged only to find out I was reported to the collection agency where I was advised the complex charged {$1000.00} for carpet fees for utilities which I paid utilities separately from rent. And additional fees. I have tried numerous times to dispute this with the agency and no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account : XXXX XXXX 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. You are in violation of this because Im a victim of identity theft. Please remove items immediately!!!

These items should not be furnished on my consumer report as theyre in violation!!! Under 15 U.S. code 1681b- permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in the accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lockhart, Morris & Montgomery Inc.
State: VA

Complaint narrative:
Continue to report inaccurate information on consumer report, defaming my character and harming my livelihood! Claiming to have a relationship that is not verifiable or accurate!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello I received a letter from Wells Fargo stating that I had a shortage in my escrow in XXXX of this year and had an option to pay the shortage or they would increase my mortgage from XXXX to XXXX. Well I paid the escrow amount which was {$20.00} and I currently have an escrow balance of {$710.00}. I was told by a rep today that even thought I paid the escrow balance they were still going to increase my mortgage as a cushion for the future shortages. 

Well the future has not occurred and I have paid the shortage they requested. Therefore I should not have a mortgage increase for no reason. If I have an shortage or an overage I am usually notified by them so the issue can be resolved. This is how they mis-managed my mortgage from the beginning and every year it increased with outrages amounts until I got behind and then they wanted to foreclosure on my property to take my home without any workout options at that time. I am also a victim of the XXXX XXXX  lawsuit they had to pay to their customers and they sent me an amount that was not acceptable and I am currently challenging them to do right by me as far as the payout, Therefore I am hoping this is not their way of retaliation again me by increasing and raising my mortgage to recoup the funds they have to payout. 

I don't trust them they have done too much damage to me mentally, financially and physically and I want them to leave me alone as I am caught up and working on staying caught up so I don't lose my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation