vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
I am reaching out to address the discrepancies apparent in my credit report and to seek validation of specific debts listed therein. As a responsible consumer, I have consistently made payments on these accounts, albeit in minimum amounts, due to challenging circumstances. It's crucial to underscore that these minimal payments were not a result of negligence but rather a strategic approach to mitigate further damage to my credit report. I want to emphasize that these payments were made with the intention of safeguarding my credit score, and they do not imply any admission of liability for debts incurred fraudulently. The accounts in question, associated with XXXX  ( Account # XXXX ), XXXX  ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ), have been subject to these payments. Given these circumstances, I urge for the immediate removal of these inaccurate items from my credit report. Their presence not only undermines the integrity of my financial profile but also poses significant challenges in accessing future credit facilities. Therefore, I appeal to your understanding and authority to facilitate the removal of these erroneous entries from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
I am reaching out to address the discrepancies apparent in my credit report and to seek validation of specific debts listed therein. As a responsible consumer, I have consistently made payments on these accounts, albeit in minimum amounts, due to challenging circumstances. It's crucial to underscore that these minimal payments were not a result of negligence but rather a strategic approach to mitigate further damage to my credit report. I want to emphasize that these payments were made with the intention of safeguarding my credit score, and they do not imply any admission of liability for debts incurred fraudulently. The accounts in question, associated with XXXX  ( Account # XXXX ), XXXX  ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ), have been subject to these payments. Given these circumstances, I urge for the immediate removal of these inaccurate items from my credit report. Their presence not only undermines the integrity of my financial profile but also poses significant challenges in accessing future credit facilities. Therefore, I appeal to your understanding and authority to facilitate the removal of these erroneous entries from my credit report promptly.

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 2024-05-10 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: TX

Complaint narrative:
I examined my credit report and observed inaccuracies in the listed 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 2024-05-10 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: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. '' XXXX and XXXX are consumer reporting agencies and I'm indeed the consumer. I have the right to ensure that my private information isn't shared or breached which is backed by 15 USC 6801which further states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. '' CHRYSLER CAPITAL by definition under that title. 15 USC 1681 Section 604a sec 2 states " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CHRYSLER CAPITAL the financial institution and the Consumer Reporting Agencies XXXX and XXXX do not have my consent to furnish this information and they do NOT have my written consent either. Any and all consent to XXXX and XXXX, CHRYSLER CAPITAL whether it be verbal, non- verbal, written, implied, or otherwise revoked. 15 USC 166802 ( b ) ( c ) states that " A Financial Institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. '' CHRYSLER CAPITAL never informed me of my right to exercise my nondisclosure option. To add 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 in which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission which is against the law, 15 U.S. Code statute 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12CFR statute 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters to the bureaus to update my Social Security number since XXXX different ones show on report

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 2024-05-10 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX  XXXX Total fraudulent amount : {$1300.00} XXXX XXXX  XXXX Total fraudulent amount : {$300.00} XXXX XXXX XXXX Total fraudulent amount : {$370.00} XXXX XXXX Total fraudulent amount : {$3800.00} XXXX XXXX Total fraudulent amount : {$690.00} Attached is my FTC Police report, Driver license and social security to verify my claims and identity

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 2024-05-10 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is XXXX, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: FL

Complaint narrative:
On XX/XX/year> I notified GUARDIAN CAPITAL MANAGEMENT via email that they were reporting an account that was a result of IDENTITY THEFT. In this email I provided a copy of the FTC IDENTITY THEFT REPORT, my DRIVER 'S LICENSE, and SOCIAL SECURITY CARD. 

I have requested that this account be removed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) as it was a result of IDENTITY THEFT. 

I'm filing this report, so CFPB has record that I have attempted to get this debt removed. Included in this report will be a copy of the following : Driver 's License Social Security Card FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I opened a new checking and savings account with SOFI, I transferred money from my account with XXXX bank XXXX XXXX XXXX XXXX XXXX ) to the new checking account at SOFI. The account was then frozen for suspicious activity. 

on initiated transfer from XXXX ( XXXX XXXX XXXX Bank ) XXXX XXXX to XXXX. XXXX of XXXX SOFI credited {$2200.00} to Savings on initiated transfer from XXXX ( XXXX XXXX XXXXXXXX XXXX  ) on XXXX XXXX to SOFI. XXXX XXXX XXXX credited XXXX to checking on initiated transfer from XXXX ( XXXX XXXX XXXXXXXX XXXX ) on XXXX XXXX to XXXX. XXXX XXXX SOFI credited XXXX to checking at around the XXXX or XXXX of XXXX found out my account is restricted when logged into app, called SOFI Bank and was told investigation is going to strange activity, I explained to them them account is new and the deposits made is from external bank. I was told to continue to check app to see updates no updates seen, called back 2 more times. then on last call I asked to speak to the manager and was told she has no manager and she hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: SC

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. 

XXXX XXXX XXXX : # XXXX XXXX  XXXX  : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-10 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: FL

Complaint narrative:
I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding these erroneous accounts, it appears that Equifax credit bureau has failed to take appropriate action and continues to report them. 

I urgently request the immediate removal of these accounts. These oversights on your part are causing me significant financial hardship. Failure to comply will leave me with no choice but to pursue legal action against both the bureau and the responsible entities. This is not merely a request but a demand for compliance with the law and justice for the affected consumer. Thank you for your attention to this matter. I have no idea where you obtained the following accounts. 

XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am unaware of these debts. I did not have the opportunity to dispute these debts. I never received proper notifications involving these debts. If in fact it is believed that I have anything to do with these debts please provide proof with a verified and signed documentation. I'd like to have these removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have called twice requesting to have the PMI insurance removed. The company says I have to keep it for the life of the loan. I asked for a home appraisal since the property has almost double in price. PHH has declined me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: SC

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: AL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
XXXX has falsely reported XXXX on-time payments as late. 
In XX/XX/XXXX the account was part of a XXXX forbearance loan modification that required 3 trial payments, and upon the successful completion of the trial payments my account would leave forbearance. They marked the final month as 30 days late even though it was paid on-time without issue. Again in XX/XX/XXXX they did the same thing. They contacted me about a loan modification to change the amount I owe and the interest and term length of the account. This again required three trial payments, and on the second trial payment they falsely, again, marked my account as late. This is in spite of the payment portal saying my next payment was moved due to the trial program. Their computer falsely reports payments as late while not asking you to make payments. This is fraud, and borderline criminal extortion.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has falsely reported two on-time payments as late. 
In XX/XX/XXXX the account was part of a XXXX forbearance loan modification that required XXXX trial payments, and upon the successful completion of the trial payments my account would leave forbearance. They marked the final month as 30 days late even though it was paid on-time without issue. Again in XX/XX/XXXX they did the same thing. They contacted me about a loan modification to change the amount I owe and the interest and term length of the account. This again required three trial payments, and on the second trial payment they falsely, again, marked my account as late. This is in spite of the payment portal saying my next payment was moved due to the trial program. Their computer falsely reports payments as late while not asking you to make payments. This is fraud, and borderline criminal extortion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has falsely reported two on-time payments as late. 
In XX/XX/XXXX the account was part of a XXXX forbearance loan modification that required XXXX trial payments, and upon the successful completion of the trial payments my account would leave forbearance. They marked the final month as 30 days late even though it was paid on-time without issue. Again in XX/XX/XXXX they did the same thing. They contacted me about a loan modification to change the amount I owe and the interest and term length of the account. This again required three trial payments, and on the second trial payment they falsely, again, marked my account as late. This is in spite of the payment portal saying my next payment was moved due to the trial program. Their computer falsely reports payments as late while not asking you to make payments. This is fraud, and borderline criminal extortion.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-05-10 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: TX

Complaint narrative:
The address of XXXX XXXX XXXX, maiden name XXXX was listed on my credit report. The property was owned by XXXX and XXXX XXXX, her parents. I reported the fraudulent address to Experian and was directed to file a complaint with the FTC and was directed here. I do not know what date this address was added to my credit report but I am concerned that she has already tried to steal my identity and she is being XXXX XXXX XXXX this month to serve a long probation sentence. XXXX has children with my brother XXXX XXXX XXXX and has stolen both money and items of about XXXX dollars at least in the past.

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