vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: MA

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 is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate 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 2024-05-28 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: MA

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 is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
Despite my numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and anxiety. I must reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim 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 2024-05-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite my numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and XXXX. I must reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim 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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
A man by the name XXXX XXXXXXXX stole my phone and used my virtual chime card to make {$730.00} worth of deposits to his casino account at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
I contacted XXXX when I was unable to make payments in XXXXXXXX XXXX XXXXXXXX due to COVID job loss again during that time. I was sent several contacts, who kept changing, during the year long process to fill out the loss mitigation paperwork, which I did and returned. During this entire time I was in the loss mitigation process I continued to call throughout XXXX, and into XXXX and was told that it was in underwriting and that they were either short-staffed and/or backed up but not to worry and I would receive paperwork once complete. Fast forward almost a year later and I FINALLY received partial claim papers in XX/XX/XXXX and signed and returned by the XX/XX/XXXX date requested ( paperwork attached ). It is now XX/XX/XXXX and I checked my credit reports. XXXX updated my XXXX and XXXX reports to reflect current, but have not removed all of the late payments reporting while in loss mitigation on both reports. In addition, they are STILL wrongfully reporting my mortgage for XXXX as delinquent and listed as " foreclosure processing started '' ( please see proof attached ). I have called BSI many times, filed a previous complaint through CFPB and XXXX holding my end of the bargain and making monthly payments for both XXXX and XXXX per the partial claim contract COVID XXXX Recovery Standalone Partial Claim Contract. This is unacceptable. On XX/XX/XXXX I called and spoke with " XXXX '' in the Loss Mitigation department and she stated that she would put in for an update to my credit report because during the loss mitigation process it should not have been reporting delinquent payments. I waited the XXXX days for the update ( which she stated to do ) and they are STILL reporting the lates during loss mitigation on XXXX and XXXX, and updated the month of XXXX as foreclosure proceedings started and with late payments for XXXX with XXXX. The fact that they CAN NOT follow the law and fix this is hurting my ability to sustain and maintain everyday needs being that everyone checks credit. Please step in and MAKE them follow the law and update my credit report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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:
I am reaching out again to highlight my serious concern to EQUIFAX about certain details in my credit profile which include these unverified and inaccurate information reported in my credit reports. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information. I have attached as well my FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Good day, I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to dispute a Goodyear account that appeared to have been fraudulently opened in my name that had been sent to collections and requested an investigation into this account. It is listed as Account Number XXXX on all three of my credit reports ( XXXX, XXXX XXXX, and XXXX ). 

XXXX XXXX XXXX, I received a phone call from someone alleging to be a collections department, stating that I had an outstanding debt from Goodyear. I told the caller that they must have the wrong person, since I have never opened an account from Goodyear. They did not have accurate information about me ( my correct address ) and did not provide any additional information validating the debt, so I thought it was a scam. 

I did not think of this call again until late XX/XX/XXXX, when I started applying for car loans in anticipation of purchasing a new car. At that time, a car dealership told me that I had outstanding debt. On XX/XX/XXXX, I requested my annual credit report and saw that there was an account for Goodyear Tire/CBNA that was opened in my name on XX/XX/XXXX, in which I disputed it. I also saw that from XX/XX/XXXX through XX/XX/XXXX, there were almost XXXX XXXX Inquiries on my credit report that I did not initiate with various financial institutions and co-branded credit cards. It appears that the only account/card that was successfully opened was the Goodyear one on XX/XX/XXXX. 

Further, my credit report listed various addresses and phone numbers associated with me. There are XXXX addresses listed in XXXX, New York and one phone number ( XXXX ) that I do not recognize. All other addresses and phone numbers listed as mine on my credit reports are correct. 

On XX/XX/XXXX, I reached out to Goodyear Credit Card to dispute the account and ask that it be closed. They stated that the account was closed and that any disputes had to be sent to : Citibank Credit Bureau Dispute Unit XXXX XXXX XXXX XXXX XXXX, SD XXXX I have also filed a report with the Federal Trade Commission ( my Identity Theft Report is attached ). 

I received a letter from the Cardmember Services dated XXXX stating that after their investigation and reviewing the information that was provided to them via certified mail, that my information in my credit report was correct. This is not the case.

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 2024-05-28 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: MA

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 is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX Acct # 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
I did not requested any loan I hand to freeze my credit because of fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Foursight Holding LLC
State: TX

Complaint narrative:
Foursight repossessed my car they gave a third-party my information without my consent and they have the car back in there possession and they are steady reporting late payments on my credit report they have broken laws : 15 usc 1692F ,15 usc 16802 , and 15 usc 1681 ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
My car once again is undrivable. It is leaking coolant, and the indicator light on a vehicle saying is saying that there is some type of faulty in the coolant system. This car was purchased at the end of XXXX and now this is the second issue Im having with the vehicle.

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 2024-05-29 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: MD

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 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
Accelerated Inventory Management sold the debt to three different debt collectors on the exact date. First I heard of debt was a call XX/XX/XXXX XXXX XXXX, the man refused to Properly state his name and said I was obligated to pay this debt since he had accessed my credit report without my permission. I claimed a violation of my privacy, he hung up. Calls were monitored for quality assurance purposes. Later that month I received a written debt letter, I requested validation, XX/XX/XXXX. Received response XX/XX/XXXX. Letter indicated purchase of debt XX/XX/XXXX. On XXXX, XXXX, received a debt collection letter from XXXX, XXXX, XXXX, I requested validation XX/XX/XXXX, within my time frame. Verification received approximately, XX/XX/XXXX. On XX/XX/XXXX, I was served a court summons. Accelerated Inventory Management Company sold this debt to three collectors all on XX/XX/XXXX. XXXX XXXX XXXX XXXX never contacted me just put it on my credit report as date opened XX/XX/XXXX. I am disputing a practice that seems deceptive by having proof submitted to the court all three debts purchased by three different debt buyers aka attorneys on the same date by Accelerated Inventory Management. The court summons from XXXX, etc included a bill of sale purchased debt XX/XX/XXXX. I stated my case to XXXX XXXX XXXX XXXX in a response summons to my defense within the 20 days. I am reporting what I consider violation of my privacy by XXXX XXXX, admitting in a harassing phone call XXXX, XXXX having gained accessible un authorized permission to pull my credit report. I consider three debt companies all purchasing the same debt on the same exact date to be an unfair deceptive practice by AIM co, LLC, thus confusing me as to accurate and legality of purchases all made the same exact date. XXXX, etc also claimed in the summons falsely countless attempts to contact me? First I heard of them was XXXX, XXXX. I have documents clearly documenting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-28 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-28 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: TX

Complaint narrative:
I am reaching out again to highlight my serious concern to TRANSUNION about certain details in my credit profile which include these unverified and inaccurate information reported in my credit reports. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information. I have attached as well my FTC report with the report number XXXX to support this complaint.

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 2024-05-28 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-28 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: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

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 non-monetary relief
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief