vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted credit corp solutions on a matter that pertains to my credit. I have been a victim of fraud. I sent credit corp solutions a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked credit corp solutions to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via XXXX certified. Removing this account from all three credit bureaus ( XXXX, XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay credit corp solutions and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe credit corp solutions. You can not because this is not my debt nor do I owe credit corp solutions anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM CREDIT CORP SOLUTIONS NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: MD

Complaint narrative:
ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.

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 2024-04-21 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: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to the credit agencies to requesting that my credit report be reviewed and to have the negative accounts with XXXX XXXX removed becuase they are duplicate account. I was told that it would be investigated and within 30 days it should be updsted. 

The 30 days went by and i rerquested my credit report and the duplicate accounts still remain and they are breaking all kind of consumer laws by reporting inaccurate information such as.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to the credit agencies to requesting that my credit report be reviewed and to have the negative accounts with XXXX XXXX removed becuase they are duplicate account. I was told that it would be investigated and within 30 days it should be updsted. 

The 30 days went by and i rerquested my credit report and the duplicate accounts still remain and they are breaking all kind of consumer laws by reporting inaccurate information such as.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1666b - Timing of payments

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 2024-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FX Quick Cash, LLC
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under the 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Remove from credit report

Company response to consumer: Untimely response
Consumer complaint received 2024-04-21 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: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer XXXX  finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently review a copy of my credit report. I was shocked to learn that I have been a victim of identity theft accounts on my credit report that was not open by me. This has been hurting my credit in the process of buying a house please remove these accounts.

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 2024-04-21 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: MD

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-04-21 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: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: COMMERCE BANK
State: KS

Complaint narrative:
This could date back a few years. Im trying to get it figured out. The bank forced the closing of all my accounts and i no longer have access to any of this information. Duplicate charges, funds taken back from the bank not put back into the account. Money from apps sent to accounts i didnt know about. Atm deposits made that werent me. A safety deposit box closed out by teller claiming customer initiared. Upon closing the box by there forcing me to. I then openes a box with items i didnt place in when I opened it. I have recieved three different addresses and logos for my bank one of which doesnt staye member of fdic and the others do. i thought the bank had sold in 2008 but its name never changed. I dont know who to turn to. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-04-21 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: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX  finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX and XXXX the consumer submitting this complaint on behalf of myself without any third party being involved. The listed accounts was furnished without my written consent or authorization nor permissible purpose see attached with the identified companies who are improperly furnishing this information to my consumer report without lawful authority or my written consent which is a result of identity theft. I have disputed this information with all XXXX credit bureaus partner companies. Below I have attached a copy of my identity theft report from the FTC. Pursuant to 15 USC 1681e ( b ) accuracy of a report is required. Pursuant to section 313b of the FACT Act it was enacted to mandate in a manner which consumer reporting agencies & furnishers of consumer information to the CRA 's are complying with the procedures, timelines, and requirements under the FCRA for the investigation. The FCRA does not require furnishers to report to CRA 's but if they do report to them, they must comply with certain provisions of the statute. You have 4 days in accordance with 15 USC 1681c-2 to remove this fraudulent information from my consumer report. 

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

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 2024-04-21 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: MD

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
My wallet got stolen in XXXX of 2023 I received a call from the fraud department and sent everything they asked for including the police report and they promise to clear all late fees which they never did

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-21 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: MD

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: MD

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: IN

Complaint narrative:
Hi. My problem is threefold. My loan has been sold three times within two years, the communication with the company is impossible and deceptive each time I call, and this company has paid an escrow payment to another insurance company that is not listed on my escrow account. See details next : I have been attempting to obtain a refund from AmeriHome for an escrow payment for {$900.00} paid to XXXX. Two escrow payments were removed from my escrow account. One escrow payment paid out to XXXX on XX/XX/XXXX and another escrow payment paid out on XX/XX/XXXX to XXXX. I have made many calls and there is/are notes created by a representative. They were working to contact XXXX to get a refund and get the money returned to me. Once this happens, I, then, will call my new mortgage company ( XXXX XXXX  ) to put that missing, misdirected {$900.00} escrow payment back into my escrow account with freedom mortgage. 
At this point I am receiving different stories from many representatives at AmeriHome. They ( AmeriHome ) did purge my files ( my loan has been closed out with them since XX/XX/XXXX ) and they now my account can be seen and they do have a copy of the check cashed by XXXX. These are in the notes with AmeriHome. 
My current mortgage company ( XXXX XXXX  ) has increased my monthly payments in order to make up for the extra escrow payment ( {$900.00} ) removed from my account on XX/XX/XXXX. There also is another late Escrow payment of {$900.00} made on XX/XX/XXXX. I dont particularly like paying a higher payment for a huge mistake, made by a professional business that should not be making these types of errors which directly affect a consumers financial health and livelihood. We the consumer expect that our money is safe with a financial institution and that all monies will be handled appropriately! I am distressed and extremely incensed over this huge error with my money! I want to have a resolution. I have contacted the attorney general in Indiana as well as New Jersey and have reported to another agency. Consumer FTC. I see the many complaints on the XXXX site. They are dealing with the same issues. Im not so sure that there is some type of fraud taking place with unaware consumers who trust their mortgage company to do the right things. Its also very difficult to get someone who will work with you at this company. Its the runaround every single conversation with them. They have everything documented in their system but it is a different representative each time. I do not feel I can deal with AmeriHome because they appear to give me the runaround each time I speak with them. Im done and will not continue to deal with them. I need a proper person that has the knowledge to handle this error. 

Help!

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" According to my TransUnion credit report, XXXX XXXX XXXX 's account number as reported by TransUnion is XXXX. As of XX/XX/XXXX, my previously closed XXXX XXXX Collections account was unlawfully reopened by XXXX and sent to TransUnion. This credit reporting agency has unlawfully posted the negative XXXX  closed collection account as reopened on XX/XX/XXXX, and opened on XX/XX/XXXX. I viewed my TransUnion credit report and it showed biased and unlawful credit reporting by TransUnion towards people of XXXX. My FICO score tumbled down XXXX points following TransUnion 's decision to allow XXXX to reopen my closed account. Now it's displayed on my TransUnion report, which just shows that XXXX XXXX is still alive. '' It appears that XXXX XXXX Collections sent some documents to TransUnion. However, it is unclear whether XXXX XXXX Collections had the legal authority to reopen and close the account without any negative impact on my livelihood. Unfortunately, TransUnion allowed XXXX bias to report the closed account as reopened on my TransUnion credit report on 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 non-monetary relief