vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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 have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
NOTICE OF VIOLATION OF 15 U.S. Code 1681c2 - Block of information resulting from identity theft. As Identity Theft, involves the misuse of another person 's financial and personal information ; In XXXX  2023, I filed an online Identity Theft report with the Federal Trade Commission and a copy of the same report was forwarded to XXXX XXXX, Equifax, and XXXX. In addition I provided proof of my identity and I requested an extended fraud alert. The credit reporting agencies mailed me proof that they received the request for an extended fraud alert but they never placed it. As a result, I called XXXX XXXX and a temporary fraud alert was placed on my XXXX XXXX file and this temporary fraud alert was then placed with Equifax and XXXX. However the credit reporting agencies intentionally violated 15 U.S. Code 1681c2 - Block of information resulting from identity theft as shown below and this complaint along with the other complaints and correspondence will be entered as evidence into the Court. When I alleged that certain accounts on my credit report were being reported without my consent and that there were no contracts to substantitate a debt then these accounts should have been blocked in accordance with 15 USC 1681c-2. 
( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
We can not access Innovis website outside of the United States, even with XXXX, that's very inconvenient! The URL becomes : " https : //innovis.com/home/foreign '' and it shows " Unable to complete request : Thank you for visiting Innovis.com. Please contact Innovis Consumer Assistance. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
There are unauthorized inquiries on my credit report. Kindly eliminate them promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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 have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from 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
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: IN

Complaint narrative:
We were transferred to Newrez, our taxes for this year is XXXX. They are supposed to base the payment based on Taxes and Insurance. During this process they are using the full accessed value without the exemptions in effort to inflation our payments. There is a surplus we are owed and we want it because it belongs to us. 

We received a call from Newrez XX/XX/2024, we were told that on XX/XX/2024 that we will be sent our surplus and our mortgage would be recalculated based on exemptions. 

This company has lied to us, and plays games when they are talking to us. This is nothing but fraud to keep money that does not belong to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Assured Financial Partners
State: MI

Complaint narrative:
I received a phone call today XX/XX/2024 from a XXXX in which a lady informed me I needed to contact another company at XXXX regarding case # XXXX because they had some " legal '' documents they wanted to get to me. I asked the woman why would they have another company call me regarding legal documents instead of trying to deliver to my home address, she informed me because they have alot of clients they have them reach out to contact the consumer. 

I then called the number provided ( XXXX ) with the case # given and asked the guy what company is trying to serve me legal documents and why hasnt anyone tried to send them to my home. He told me that " when you take a loan you need to pay your debt '', I advised him if I'm not aware of a loan how can I pay a loan. I asked for more information regarding the company the amount and where these legal documents were supposedly attempted to be delivered to. He could not tell me when or where intial attempts were made all he said was a judge told them that they need to show proof of three attempts by phone to get legal documents to me. I again said I disagree as I've been to court before and anytime I've been served, its always been in person or the perons attempts and leaves a card behind to be contacted to obtain the legal documents. He went on to say that Zoca Loans was suing me. I informed him that I am not aware nor have I taken a loan from a company called Zoca Loans. I asked him to send me proof of these documents in which he said " you will see these documents in court during the trial ''. Again I was confused because typically when you request proof of a debt the debt collector sends it to you upon request. He kept saying you need to pay your debt. But how can I pay a debt on something I have no record of taking out. This is getting ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
I have been hacked 3 times while using Current Bank. Somebody takes money from my account using my virtual card and whats awful is it can take up to 90 days before they can give the money back because of their seemingly faulty system. 

All info is in the screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MD

Complaint narrative:
EdFinancial Services will not resolve issue of account showing a negative balance ( overpayment ) which should be applied to a second loan amount. XXXX customer services continues to log this issue, but won't provide any timeline for resolution. 

While the call center personnel are polite, all they seem to be able to do is update a case. 

The overall concern is that EdFinancial continues to charge interest on money we do not owe since they will not/ have not applied to payment to the outstanding balance. This issue have been ongoing for ~60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-25 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-25 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 remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my Consumer Credit Report, I observed that your agency is in violation of multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) related to the furnishing of reports in credit or insurance transactions not initiated by the consumer ( Inquiries ). According to the mentioned code : A consumer reporting agency can only provide a consumer report in connection with a credit or insurance transaction not initiated by the consumer if : ( A ) the consumer authorizes the agency to provide the report, or ( B ) ( i ) the transaction involves a firm offer of credit or insurance.

Furthermore, regarding inquiries, a consumer reporting agency is prohibited from furnishing a record of inquiries in connection with a credit or insurance transaction not initiated by the consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), in the case of liability for obtaining a consumer report under false pretenses or without a permissible purpose, the consumer is entitled to actual damages or {$1000.00}, whichever is greater, and punitive damages as allowed by the court. 

I did not initiate any of these inquiries, and if you believe otherwise, please provide copies of my written signature giving consent to this matter.

I request the removal of the items listed below from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681n ( b ), I believe a natural person 's civil liability has been violated. We have already reported this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

For any questions or additional information, please contact me at the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my Consumer Credit Report, I observed that your agency is in violation of multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) related to the furnishing of reports in credit or insurance transactions not initiated by the consumer ( Inquiries ). According to the mentioned code : A consumer reporting agency can only provide a consumer report in connection with a credit or insurance transaction not initiated by the consumer if : ( A ) the consumer authorizes the agency to provide the report, or ( B ) ( i ) the transaction involves a firm offer of credit or insurance. 
Furthermore, regarding inquiries, a consumer reporting agency is prohibited from furnishing a record of inquiries in connection with a credit or insurance transaction not initiated by the consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), in the case of liability for obtaining a consumer report under false pretenses or without a permissible purpose, the consumer is entitled to actual damages or {$1000.00}, whichever is greater, and punitive damages as allowed by the court. 

I did not initiate any of these inquiries, and if you believe otherwise, please provide copies of my written signature giving consent to this matter.

I request the removal of the items listed below from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681n ( b ), I believe a natural person 's civil liability has been violated. We have already reported this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

For any questions or additional information, please contact me at the address listed above.

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