vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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 am writing to formally notify you that I am a victim of identity theft resulting from a recent data breach. I am requesting that you block and delete all fraudulent accounts and inquiries associated with my credit file, as permitted under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Attached to this letter, you will find the following documents to support my claim : A copy of my government-issued identification ( e.g., driver 's license or passport ) A copy of a recent utility bill or other proof of address A copy of the Identity Theft Report filed with [ name of law enforcement agency ] A list of accounts and inquiries that I believe to be fraudulent Please take immediate action to block the information identified in the enclosed documents from my credit report and delete it permanently, as required by law. I also request that you provide me with a confirmation letter detailing the actions you have taken. 

If you need any additional information or documentation to process this request, please contact me at [ your phone number ] or [ your email address ]. 

Thank you for your prompt 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 explanation
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-12-22 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-12-22 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally request the removal of all outdated addresses from my credit report and to ensure that my current address, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NV XXXX, is the only address listed on my file. Previously, I submitted a request to update my address ; however, I was informed that the proof of identity I provided was not acceptable. I am submitting my request with the necessary documentation to verify my identity and current address. Enclosed, you will find the following documents to assist with verifying my identity : 1. A copy of my government-issued ID ( passport ) displaying my name and current address.

2. A copy of a recent utility bill showing my current address.

Please remove all outdated or incorrect addresses from my credit report as they are not valid. Having inaccurate addresses on my credit report poses a risk of confusion and could potentially impact the accuracy of my credit history.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It's been multiple dates. I submitted a dispute and when I went back to check the addresses where still there. I would retry and they are still there. I've disputed charges that I never made or credit cards that I never applied for and they are still requiring that I pay the amount due. I've never lived at certain address but they still have me living there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My bank, PNC, encourages customers to use XXXX when making a purchase instead of a credit card. I did so one time and lost all my money to a 3rd party that was able to intercept my purchase. PNC transferred money out of my account to pay for this fraudulent transaction. I complained to the NJ XXXX XXXX XXXX  and they recommended me to a Federal agency. I lost {$340.00} and PNC 's attitude was just too bad. How is it possible these banks are pushing these services like XXXX and there is no accountability by the banks and no consumer protection at all. And when there is a problem, and there will be a problem, there is no mechanism to get your money refunded. The public needs to be warned not to use XXXX or similar services in lieu of a credit card exchange. Clearly XXXX is not a proven method of a financial transaction, and it is easy for a 3rd party to steel your money. Are these people smarter than the US Bankers? What makes it more infuriating when opening my account online they continue to push XXXX. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I sent off certified mail to National Credit System, requesting validation of an alleged car loan debt they claim I owe. The letter was sent in accordance with my rights under the Fair DEBT Collection Practices Act ( FDCPA ) and was delivered, as confirmed by tracking. 

As of today, more than 30 days later, I have not received a response. Despite this, the company has not ceased collection efforts, which is a violation of the FDCPA. I believe this lack of response is non-compliant with their legal obligation to validate the debt before pursuing further collection actions. 

I request that the CFPB investigate this matter and ensure that the XXXX XXXX XXXX either validates the debt or ceases collection efforts immediately. Additionally, I request that this alleged debt, if unverifiable, be removed from my credit report to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NY

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It's been multiple dates. I submitted a dispute and when I went back to check the addresses where still there. I would retry and they are still there. I've disputed charges that I never made or credit cards that I never applied for and they are still requiring that I pay the amount due. I've never lived at certain address but they still have me living there.

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 2024-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Late payments status for XX/XX/year>, XX/XX/year> and XX/XX/year> deferred no late payment, shouldn't be 30 days late status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
I recently obtained copies of my credit reports from the consumer reporting agencies, I discovered some inaccuracies on my credit reports and proceeded to file disputes with each agency. All three agencies reported a late payment about ( Account Name : XXXX XXXX ) with account number XXXX. I have, however, always maintained timely payments on this account, and the late payment is inaccurate. Despite my dispute, XXXX and Experian are still inaccurately showing this late payment, with XXXX showing a late payment in XXXX of XXXX  while Experian is showing a late payment in XXXX of XXXX  ; again, this account has always been paid as agreed, and there were no late payments in either of those months. 

I request that the CFPB conduct a thorough investigation into these discrepancies and provide evidence of the lateness of these payments. If such evidence can not be provided, I ask that the late payments be removed from my credit report promptly and that my payment history be updated to reflect its accurate and on-time status.

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 2024-12-22 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: RI

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax Data breach. I want these items deleted from my credit reports Effective Immediately. I can provide proof of Equifax admitting that I am a victim of this Data breach and has done nothing! 

Please help me delete these illegal and negative items from my credit reports and update my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
Equifax , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the Northern District of Georgia ( Case No. 1:17-md-02800 ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX. Fraud Account : XXXX XXXX XXXX ; # XXXX ; Balance : {$26000.00} It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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 — Problem with personal statement of dispute
Company: Checkr, Inc
State: IL

Complaint narrative:
My original complaint included Chekr failing to not update or provide accurate information in the background checks they provide. Once I reported that to CFPB and XXXX, It is obvious they are being retaliatory by FAILING TO FOLLOW GUIDELINES FOR HANDLING DISPUTES.My statement was not included in the disputed issued about me. I requested a dispute on a charge where I submitted a candidate story to be attached along with the updated and now accurate reports to 2 companies. Both companies have responded in writing that they never received any additional information which does not surprise me because they will not update your background check to reveal accurate information even though you provide proof of updates. I have requested several disputes into this matter between XX/XX/year> to date this has been an ongoing issue that is causing a financial burden in my life please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Mortgage — Conventional home 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: Ocwen Financial Corporation
State: VA

Complaint narrative:
I went online to make a payment and it said that I could not submit a payment because I had scheduled one in the past. It showed the monthly amount that was due for XXXX because I am behind but my mortgage is not 90 days past due. I called the mortgage company and the representative said that they could not accept the XXXX month payment and as of now what they saw is that the company was requesting XXXX months payment. When I asked why could they not accept the XXXX month payment because my mortgage is not 90 days behind semicolon I was told because of the investor and the law. I asked her to define that for me and she proceeded to discuss my payments being behind. I said you guys accepted the payment last month on the XXXX and there was no issue. I still never got an answer as to why they would not accept the XXXX month payment even though my mortgage is not 90 days behind. She then proceeded to tell me that she would take information to see what options I had. I was asked questions about my monthly income would I be able to make a payment arrangement or pay the mortgage going forward and I said yes. I was told to call back next week but it could take until next XXXX. I'm concerned because I do not want to go over the 90 day XXXX and be completely 3 months behind. This will cause me to be 90 days behind if I don't make a payment and therefore calls me to possibly go into foreclosure. I also tried to check on the phone to make a payment and it was asking for 2 months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is a medical collection that should not be on my credit 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 non-monetary relief