vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the inclusion of a bankruptcy notation on my credit report. In XXXX, I initiated the process of filing for bankruptcy ; however, I subsequently decided not to proceed with the filing. This decision was confirmed with a letter from the state of Ohio, indicating that the bankruptcy proceedings were not pursued. 

Despite providing this documentation to all credit reporting agencies, I have been informed that the bankruptcy notation will remain on my credit report for seven years. This response is deeply troubling and unjust. 

On XX/XX/XXXX, the bankruptcy case was officially dismissed. As such, it should not be treated as a completed bankruptcy, as it never reached fruition. The dismissal should absolve me of any negative implications associated with bankruptcy proceedings. 

The presence of this erroneous bankruptcy notation on my credit report has had severe repercussions on my financial endeavors. I have encountered significant obstacles in obtaining essential services, such as securing a car loan, refinancing my home, and acquiring a business credit card. 

It is unjustifiable to penalize me for a bankruptcy that never materialized, especially when the case was dismissed over several years ago. The continued inclusion of this inaccurate information on my credit report is not only detrimental to my financial well-being but also constitutes a breach of fair credit reporting practices. 

I am hereby formally requesting the immediate removal of the bankruptcy notation from my credit report. I implore you to conduct a thorough review of the documentation provided and take appropriate action to rectify this matter promptly. 

Failure to address this dispute in a timely and satisfactory manner will compel me to seek legal recourse and escalate this issue further. I trust that you will handle this matter with the utmost urgency and professionalism. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the erroneous bankruptcy notation from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: MS

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2024-06-10 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 am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent activities that have taken place involving my ex-fiance. On XX/XX/year>, I discovered unauthorized accounts and transactions on my credit report from your company, which I believe are a result of fraudulent actions by my ex-fiance. 

Furthermore, I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2024 I reported a fraudulent charge on my checking account. By XX/XX/2024 CitiBank had blocked my access to both my checking and savings accounts. I was unable to receive my salary or make any transactions. I was told I will need to visit a branch and I explained to several people I live in Georgia and bank online. I have had the same accounts for over XXXX  years. After being transferred several times to several departments I was informed on Monday XX/XX/2024 that my accounts are marked " deceased '' and I would need to get a letter from my local social security office to prove I am alive. Fast forward to today, XX/XX/2024. I have the letter from social security and have made several attempts to fax to their estates department and probate department. Fax on their end is being bounced back as " unanswered ''. I am again getting transferred and getting nowhere. I want my money out of that bank 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 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
some one was using my information i pulled my credit reports and multiple items were 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
some one was using my information i pulled my credit reports and multiple items were identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
some one was using my information i pulled my credit reports and multiple items were identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
Good afternoon Experian credit bureau stated that they investigated first premieres late payment history which it shows they did not. If you look at the discrepancies on the picture, you will see where there is and 120days ,120 days back to back which thats not how it goes. Then it shows 90 days then 90 days then it shows 60 days and 60 days back to back

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 2024-06-10 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: IN

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-06-10 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX  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 of 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 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I never opened this account or had this card, I requested to remove this account from my report and it still showing. 
I sent my police report XXXX of XXXX Police Department XXXX XXXX XXXX on XX/XX/year>. 
I am a victim of identity theft. 
Please, update this info ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : 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 2024-06-10 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
XXXX XXXX  Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against U.S. Bank for unlawfully denying my request to reinstate my account after the period of forbearance, for which I was qualified under the new rules and regulations set forth by the Federal Housing Administration ( FHA ) and the Department of Housing and Urban Development ( HUD ). 
My account information is as follows : Account Holder : XXXX XXXX Account Number : XXXX Property Address : XXXX XXXX XXXX, XXXX Texas XXXX Background : In light of the financial difficulties I encountered due to the COVID-19 pandemic, I applied for and was granted a forbearance on my mortgage loan under the CARES Act. My forbearance period commenced on XX/XX/year> ] and concluded on XX/XX/year>. 
Upon the completion of my forbearance period, I sought to reinstate my mortgage account according to the guidelines and protections provided by the FHA and HUD. Despite my compliance with all stipulated requirements, U.S. Bank has unlawfully refused to reinstate my account After I received an approval of restarting my payment. This refusal directly contradicts the regulatory provisions that ensure borrowers in my situation have the right to reinstate their accounts.Now as of XX/XX/year> I just received a letter of Foreclosure Notice Complaint Details : Violation of FHA and HUD Regulations : U.S. Bank 's denial of my reinstatement request violates the FHA 's new rules and HUD 's regulations designed to protect borrowers after a forbearance period. 
Failure to Provide Adequate Explanation : U.S. Bank failed to provide a satisfactory explanation or valid reason for the denial, despite my multiple requests for clarification. 
Unfair Treatment : The bank 's refusal has caused undue stress and financial strain, as I have made every effort to comply with the reinstatement process in good faith

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 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
They seem to be phishing for private information by claiming false debt. They emailed claiming I had debt on an old phone service I don't even use anymore and paid off long ago. I do not owe any debt but they claim I do. They sent an encrypted attachment that I won't open in case of malware or virus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Collection Management Account Number XXXX Whom It XXXX Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( XXXX ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

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 2024-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
My auto loan is with TD Auto Finance ( Acct Number : XXXX ) to which I have had had since XX/XX/XXXX with XXXX late payments. Additionally, my account was setup on auto draft as well. 

Over the month of XXXX I started getting phone calls from ( XXXX ) XXXX which is labeled as spam/scam with XXXX a XXXX I use called XXXX : XXXX : XXXX The calls were coming in roughly every other day until finally I answered the call on XX/XX/XXXX to find out it was TD Auto Finance. The collector immediately identified themself and let me know that my payment was delinquent. Within no less than XXXX seconds I went into my account saw the auto draft was no longer on and paid the past due amount. I asked the collector to research what had happened because I am never late. Shortly after, I received an alert from the bureaus that my score had dropped XXXX points due to a 30 day late payment reported by TD Auto Finance. I escalated the request to there support who researched the issue and there formal response was there was no bank error and I have an agreement in place and therefore its on me the consumer. They sent me XXXX piece of mail on XX/XX/XXXX which I didnt get until XX/XX/XXXX and continued to call me from a number that was registered as spam. 

I asked the bank to remove the negative mark to which they declined as they said it was not a bank error. I am only asking the bank to adhere to proper communication methods especially considering I have a proven track record of never missing payments and have the negative mark removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: Open Dealer Exchange, LLC
State: MI

Complaint narrative:
Inaccurate information was not authorized. therefore is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation