vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
InIn accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 



Account Name : // Account # XXXX  XXXX XXXX  XXXX Account Name : // Account # XXXX XXXX  XXXX Account Name : // Account # XXXX XXXX  XXXX XXXX XXXX Account Name : // Account # XXXX XXXX XXXX user social XXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX user social XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # XXXX  Credit XXXX Account Name : //Account # XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX  XXXX XXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX Account Name : //Account # XXXX/ XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account Name : //Account # XXXX XXXX  XXXX XXXX Account Name : //Account # XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX  XXXX n/a XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : //Account # XXXX  XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX Account Name : //Account # XXXXXXXX XXXX XXXX XXXXXXXX Account Name : //Account # Credit XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Name : XXXXAccount # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C . 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received an inquiry from a bank I used to have an account with. They had received an application for a credit card in my name, including my social security number, and they wanted to verify it was from me. 

I said it was not, and thanked them for checking! 

They said I should let the CFPB know, and gave me a complaint number ro quote. That number is XXXX. 

I guess my SSN is now no longer secret. Can you please tell me how I can keep from being taken advantage of going forward Thanks so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX ( TransUnion ) XXXX XXXX Account Number : XXXX ( TransUnion, XXXX ) XXXXXXXX XXXX Account XXXX XXXX XXXX ( TransUnion, XXXX ) XXXX Account Number : XXXX ( TransUnion, XXXX ) Account Number : XXXX ( XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting. 

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately. 

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i. 

Thank you for your urgent attention to this matter.

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 2024-12-07 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: KY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-12-07 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXX XXXX I received a debt collection letter from you. Do you have the right person? Can you supplyme with a contract or agreement signed with your company or the Creditor.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITORVERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THATYOU CLAIM IS OWED.ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROMTHE ORIGINAL CREDITOR TO THE CURRENT CREDITORPLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BYTHE ORIGINAL CREDITORPLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINALCREDITOR TO THE SECURED TRUST AND THEN BACK TO THEORIGINAL CREDITORPLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT.Please do not look at my credit report or report anything to my credit I dispute I owe thisdebt amount to you and that dispute should be stated on my credit report if you have reportedthis debt.PERMISSABLE PURPOSEPlease State why you have a permissible purpose to contact my credit. I disputethis. IF YOU PASS THIS ON TO ANOTHER COLLECTORI dispute I owe this debt to you. If you pass this on to another debt collector, please providethem notice of my dispute to owing this debt. Thank youfor your immediate cooperation.the __ _________________

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage company is responsible for making my property tax payments on time. On XXXX XXXX XXXX they deducted the property tax payment from my escrow account to pay my taxes. As of XXXX XXXX XXXX the tax agency has not received my tax payment. I called my mortgage company ( Loancare ) on XXXX XXXX XXXX to inquire, and I had the case escalated, but I was told that it would take 3-5 business days to " see if the check had cleared ''. That is not acceptable as I will be charged penalties if the agency doesn't receive my payment by XXXX XXXX XXXX ( two business days from now ).

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 2024-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ALLY Financial XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you provide legal validation of such debt, and the requirements are as follows. : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX  XXXX. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, XXXX XXXX XXXX, XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. 
Yours Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: SC

Complaint narrative:
HELLO TRANSUNION REPEATED OFFENDER CAN YOU PLEASE SEN A COPY OF THE CERTIFIED MAIL THAT I GAVE YOU WRITTEN CONSENT TO FURNISHED THIS ACCT XXXX ON MY REPORT. TRANSUNION IS VIOLATING USC 68D2, USC 6803, USC 1681a2 AS WELL GRAHAM LEACH BLILEY AND XXXX XXXX AND TRANSUNION IS VIOLATING USC 1029A AGGRAVATED IDENTITY THEFT I NEVER GAVE CONSENT TO TRANSUNION TO USE XXXX XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX XXXX. TO BE USED IN COMMERCE IF YOU CANT SEND THE CERTIFIED LETTER THAT I GAVE YOU CONSENT TO FURNISH THE ABOVE ACCOUNT ON MY REPORT DELETE THIS ACCOUNT YOU ARE IN CLEAR VIOLATIN OR I WILL REPORT YOU AND MOVE TO LITIGATION IM WILLING TO PROSCECUTE STOP COMMITTIN FRAUD FOR GAIN THANK YOU GOOD DAY SIRS/ MAAM .....

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 2024-12-07 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: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable 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 2024-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Truist Bank did not pay my Homeowners Insurance as they are suppposed to through Escrow. As a result Insurance Policy lapsed and is not renewable. Old Insurance was {$930.00} and new Insurance is {$3100.00}. Per Truist letter ( attached ) dated XXXX Truist states to reimburse the difference for 2-years ( $ XXXX $ XXXX {$2200.00} per year ). 
I paid directly and sent bill to Truist who refuses to reimbuse me even though they have agreed to in their attached letter. 
Multiple phone calls with no resolution. 
Truist excuse when I call : " Someone will call me back '' - has never happened. 
" Case is closed so we will do nothing ''

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX  Account Number : XXXX Reason for Dispute : The repossession status is inaccurate as the vehicle was redeemed. The late payments reported in XXXX and XXXX are also inaccurate. The late payments reported in XX/XX/XXXX to XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 90 days late ) are 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX Reason for Dispute : The repossession status is inaccurate as the vehicle was redeemed. The late payments reported in XXXX and XXXX are also inaccurate. The late payments reported in XX/XX/XXXX to XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 90 days late ) are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: IN

Complaint narrative:
Bank sent a new card to some address in Florida and someone empty my account. My next four SSI checks were deposited with Directexpress have not had any money returned to me. Currently out over XXXX $

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and to request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : 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 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 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 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 XXXXXX/XX/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 2024-12-07 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: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable 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 explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
I made a purchase with my citi credit card. The product i order was a XXXX XXXX XXXX The product i received was tampered with. This effects the value and trust worthiness of the card and value. I disputed with the merchant. They refused to response. I filed a fraud case because the cards have been tampered with. Citi credit fraud department sent corresponding through the XXXX XXXX instead of paperless like I requested. I XXXX XXXX XXXX XXXX and told them that. I have called over XXXX times as well as they have called me but with automated service asking for payment. The proof they wanted can't be obtained in just days. It has to be sent off and verified and that can take months through psa. Now they want a full XXXX dollar or ruin my credit this isn't right! They refused to work with me or verify the issue by escalating the call to proper channels. The picture i upload shows they are supposed to contact me paperless!!

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