vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE BLNK THAT NEEDS TO BE FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: ALAMEDA MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied for a mortgage and currently in escrow. The loan estimate was sent over XXXX business days after being under contract. I verbally told lender on XX/XX/year> I did not want to buy points. I again verbally and emailed lender on XX/XX/year> I did not want to buy points. I also asked if it was possible to lock rate and I was told I could. Then was emailed stating I can only lock the rate when the builder states I can lock rate. I emailed the lender on XX/XX/year> stating the loan estimate contains points which I do not want to buy. The lender responded saying they would not revise loan estimate and I can not lock rate until the builder approves. I emailed on XX/XX/year> stating I will not sign any documents until I receive a loan estimate reflective of what I have asked. Only then did the lender state they will amend it, but are still insisting I can not lock the rate until the builder states I can. I still have not received loan estimate and From my understanding it is not up to the builder to determine when I can lock my rate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: GA

Complaint narrative:
I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2024-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: TX

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have sent this company a cease and desist letter. This company has refused to adhere to the federal guidelines by ignoring my request and my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not bonded, licensed or insured to collect in the state of ( list your state here ). Please have this company cease all collection activities. This is my last attempt to complain outside of court. My next proper and lawful steps are to intend to sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 2024-05-02 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX FLAGSHIP CREDIT ACCE XX/XX/XXXX XXXX XXXX XX/XX/XXXX STELLANTIS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX 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 2024-05-02 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: NC

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE XXXX THAT NEEDS TO BE FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Cashed my income tax refund check with fifth third bank on the date of XX/XX/year> and they have insulated my Integrity, lied to me on multiple occasions in regards to when my funds will ever be available, they have frozen all my accounts with the excuse that the check looked fraudulent ( IRS/USA Government check ), and that they needed to verify it. then I waited 72 hours communicating with my local bank manager as well as the fraud department with fifth third bank and they claimed I needed to bring in my tax forms and I have done so that very day. after waiting another 72 hours on the date of XX/XX/year> my account is still frozen I am unable to access any of my funds including my wifes employment payroll that I have been receiving into that account for over six months prior. They then lied to me and claim that my funds are available and that my account is open after completing the second review on the date of XX/XX/year>. The Account was never unfrozen and the funds were never released. They now have refused to return the check in full so that I may choose to have it cashed some where else. On todays date of XX/XX/year> it has been a full 7 days since my account has been frozen and a full 9 days since making an agreement with the bank manager at fifth third bank in XXXX Michigan that manager being by the name of XXXX. And that agreement being that I would deposit my tax refund check in my checking account for funds rendered. I am unable to take care of many of my own needs at this time and also that of the needs of my family and obligations. I have just reached out again to the supervisor named XXXX at fifth third banks account services department. And once again they claimed that today all issues were finally resolved and that the funds are available while in the presence of the local branch manager and they still refused to release funds both tax refund check and payroll checks equaling to the amount of above {$13000.00}. Please help. My phone number is ( XXXX ) XXXX. And my name is XXXX XXXX. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
A complaint was filed to CFPB on XX/XX/year> concerning this issue. This company took 60 days to reply and it was not resolved. 

Their initial ( false ) accusation was that I did not give a move out notice to the rental property. After providing emails which showed I had not only given the move out notice, but that two people from management had received it, they decided to change their initial ( false ) accusation of not providing a move out notice for the price of nearly {$3000.00} to a secondary ( false ) accusation that I moved out before my lease was completed for the price of {$1500.00} This information is also incorrect. I moved out on the date shown in my rental contract. 

This company has admitted to fraudulently imposing false accusations affecting my credit score and it took them 2 months to come up with a second fraudulent charge. I did not consent for this company to have my identifying information which includes name, date of birth, social security number, phone number, email address and physical address, therefore this is identity theft and fraud. I wish to have this company delete my information from their possesion ASAP as well as remove the fraudulent charges on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: SC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: SC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report is showing a Collection from XXXX XXXX XXXX XXXX, on my EXPERIAN account, which was sold to XXXX XXXX XXXX XXXX. XXXX immediately removed this collection realizing the severity.I was not informed about this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title to collect on this debt. With no proof this account must be removed 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 2024-05-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information? XXXX with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX My only social security number is : XXXX My only and correct date of birth is :XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses o? my reports, as they are not deliverable to me by the U.S. post o? ce, and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
***Follow Up Complaint *** A XXXX is listed on my TransUnion credit report but not on XXXX XXXX XXXX. Despite disputing it with TransUnion for removal, they're citing verification from a third-party company called XXXX. However, when I contacted XXXX and requested a copy of my credit report, there was no XXXX listed. I am insisting that TransUnion removes the incorrect XXXX filing from my credit report. This marks my third attempt to request its deletion, yet they have not taken action. 

1- This Public Record is Not Mine.

2-The Bankruptcy court do not report to any Credit Bureau .

3- Transunion Are Still In Fault By Keeping This Public Record On My Credit Report. 


I was Talking to a Supervisor at Transunion Named " XXXX '' Today XX/XX/year> at XXXX XXXX XXXX Time. And She Stated That The Court Is The Party Who Reported The Public Record On My Credit Report " I have Notified XXXX That I am recording the phone call '' And I have A Full Recording For The Phone Call. 

Transunion are IN FAULT, And The Information That They Provide is Not Making Any Sense, and Still Refusing To Provide The Name Of The Agency That Put This XXXX  on My Credit Report. 

I Demand That This Public Record To Be Removed From My Credit Report Immediately, since they are Not Following the FAIR Credit Report Act and Not Providing Me With The Agency Who Put This Public Record 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
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information? XXXX with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses o? my reports, as they are not deliverable to me by the U.S. post o? ce, and they are not reportable as per the FCRA, since they are 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to contest and to dispute the inaccurate reporting of accounts on my credit report. Upon contacting the respective companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update this erroneous accounts. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention an issue with the address listed on my credit report. According to the information provided in my credit file, there seems to be an error in the address associated with my account. The current address listed is incorrect and does not reflect my current residential address. I am writing to update my address to ensure that all future correspondence and communication regarding my credit report are sent to the correct address. 
Please find below my updated address inform : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief