vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have an Experian account and I dont have a credit score. No one will help me be able to build credit. I have XXXX meeting. I have a good amount of money every month. Why is it that because I dont have a score I dont have an opportunity to get a simple measly {$300.00} credit card so I can start building my credit? Experience says I have XXXX hard inquiries and there are XXXX addresses. Its just so inaccurate I signed up for their free credit monitoring and there is no help whatsoever. XXXX sent me a card and then denied me because they go through Experian. This is again. This is discrimination. They want to keep the pour down. If I dont have a credit score, but I make an income. Why wouldnt they inquire if I have an income I could have {$1.00} XXXX without his credit score and not be able to get a credit card! I cant submit what I earn every month to any credit card I keep getting denied left and right its not fair. Its discrimination and something needs to be done about these three agencies that are controlling peoples lives, especially Experian.

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 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: LendingUSA
State: IN

Complaint narrative:
I will initiate arbitration if my request isnt handled I am indigent & can not pay the filing fees or hearing fees I request that you pay them for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Southern Management Systems Inc.
State: VA

Complaint narrative:
I received a letter from XXXX XXXX and they advised they had a breach and my information was exposed and the check my credit report. When I checked it I saw southern management listed but I had never worked with them or the reported company they claim I owe. They changed the name of the creditor saying it was The suites apartments and then Centre suites II/ assist living which I have never rented or applied anywhere with this name. I currently live in an apartment and have been since XX/XX/year> I have a year lease I am actively paying on each month. I filed disputes with the credit bureaus and they keep denying my disputes based off the companies word. I attempted to upload documentation to their websites but they keep saying my files are too big which I can not change the sizing of it. I filed an FTC report due to their negligence to thoroughly investigate. When I reached out to southern to report fraud to them they just took my number and told me they would have an agent call me and they never did and they still keep reporting this balance of {$1500.00} and will not properly resolve the issue. I had been getting spam calls from them previously and I did not interact with them at that time. I only reached out when it was brought to my attention via XXXX XXXX breach and my credit report review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report formally a case of identity theft. I recently discovered that several accounts have been tempted to open in my name without my knowledge or consent. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. 

Address : XXXX XXXX XXXX XXXX, AZ XXXX I never lived at this location. Identity theft was made to my accounts. 
Plus the Inquires on my Credit reposts at all Credit Bureaus.

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 2025-01-01 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report formally a case of identity theft. I recently discovered that several accounts have been tempted to open in my name without my knowledge or consent. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. 

Address : XXXX XXXX XXXX XXXX, AZ XXXX I never lived at this location. Identity theft was made to my accounts. 
Plus the Inquires on my Credit reposts at all Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report formally a case of identity theft. I recently discovered that several accounts have been tempted to open in my name without my knowledge or consent. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. 

Address : XXXX XXXX XXXX XXXX, AZ XXXX I never lived at this location. Identity theft was made to my accounts. 
Plus the Inquires on my Credit reposts at all Credit Bureaus.

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 2025-01-01 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed that my personal information is incorrect. This inaccuracy has led to the appearance of unknown and inaccurate accounts on my credit report, which are not associated with me in any way.

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 2025-01-01 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: LA

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX. 
Please remove it from my credit report 7. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 12. XXXX Account XXXX : XXXX Please remove it from my credit report 13. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 14XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report 15. XXXX  Date Of XXXX : XX/XX/year> XXXX. XXXX XXXX XXXX  Date Of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX  Date Of XXXX 15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer 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 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank is where my mortgage loan is with. On XX/XX/year> they charged me an escrow charge of XXXX for XXXX county taxes that I pay. I do not have an escrow account. When I signed papers for the mortgage I opted out of escrow. I do not have mortgage insurance so there is no need. I called on XX/XX/year> and had a 49 minute phone call with multiple staff members who assured me it would be corrected and it would take 14 days. My account has yes to reflect the XXXX pay back and they have charged me late charges which are not owed as I paid my normal mortgage amount. Concurrently they have reported me late on my credit report and it has cost me credit and the welfare of my family. Note : I had an outstanding balance and a mix up with funds for XXXX  property taxes which had been corrected. There shouldn't have been a late notice on my credit as it was not my mortgage and I had been in contact with the Tax department of Chase mortgage more than once.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
On this date XX/XX/year>XXXX  company opened a collection Account # XXXX XXXX amount being claimed I owe I have never signed a written document saying that I owe this debt to the collector I do not know who they are and they are And I have never given them or written them that they have my consent Also they have not given me all the proper documents saying that I owe this debt And also they are pretending to be an attorney 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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX called me about an account I didn't recognize. They had me review charges and the address matched that of XXXX of my relatives. I brought that relative on the phone with me who admitted to opening the account. XXXX still claims what I'm saying is false. They claim my address was on the account, but I noticed it wasn't when they had me review it on the phone. I recently found out they got my address from pulling my credit report, not from the fraud account. I filed a police report and FTC report. I attempted to update the police report to add said relative, but they told me I'd have to have a detective assigned to it and talk to them about it. I did update it on my FTC report. I called the bank that had the fraudulent account and was told it was under investigation. I called the credit bureaus, and I no longer see it on my credit report. I asked the woman on the XXXX phone if there is a way to upload or fax my documents since I don't have transportation or money to send by mail. She refused to give me any way to dispute it.

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 2025-01-01 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: GA

Complaint narrative:
I have disputed these companies off my credit report. They are still showing up on my credit report. 

Names Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are fraudulent. 

Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed these companies off my credit report. They are still showing up on my credit report. 

Names Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are fraudulent. 

Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
-They make it impossible to reach a human being through their phone lines, stating everything can be handled over the phone. Indeed, not all issues can, and I should not have to spend chunks of an hour trying to accomplish simple things -Their website does not let me log in. Does not have my loan information in their system and will not let me log in to make my payment, which is due today -- despite working last month. However, their phone line is able to find my loan without issue, but will not take my payment nor let me speak to a representative in order to make a payment. Again, my payment is due today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: GA

Complaint narrative:
I am filing a complaint regarding several issues with my credit report. Specifically, I am concerned about an account that has been verified by the credit bureau despite my dispute, and unauthorized inquiries that have been made on my credit report without my consent. These issues are affecting the accuracy and integrity of my credit file. 

1. Disputed Account Verification : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX I previously disputed the account listed above, but the credit bureau has responded by stating that the account was 'verified. ' However, I have not been provided with sufficient evidence or documentation that verifies the accuracy of this account. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation of my dispute and provide clear evidence that the account is valid and accurate. Therefore, I respectfully request the following from the credit bureau : Method of Verification : Details of how the account was verified by the credit bureau. 

Supporting Documentation : Documentation provided by the creditor to substantiate the account 's accuracy ( e.g., payment history, balance verification, or account records ). 

Investigation Process : A clear description of the investigation process followed by the credit bureau in verifying this account. 

the name of the individual with whom the dispute was verified. 

2. Unauthorized Inquiries : Inquiry Date ( s ) : XX/XX/year> / XX/XX/year> / XX/XX/year> / XX/XX/year> Creditor/Institution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I have noticed several unauthorized inquiries on my credit report. According to Section 1681b of the FCRA ( 15 U.S.C. 1681b ), a credit report can only be accessed under specific circumstances, such as : With my consent ( i.e., for credit applications or services that I request ). 

For business purposes, where there is a legitimate reason to access my credit ( e.g., an existing account review ). 

For employment purposes, where I have authorized an employer or potential employer to check my credit. 

I have not authorized these inquiries and believe they were made in error. As per 15 U.S.C. 1681b ( c ), I request that the credit bureau investigate the following unauthorized inquiries to confirm whether they were made in compliance with the FCRA. If these inquiries were unauthorized or improperly listed, I request that they be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Company is reporting a debt that does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
Good morning O received a statement from my lender stating that my mortgage will increase next XXXX  for {$200.00} because the taxes went up. My parcel was qualified for taxes relief and. I don't understand why my taxes can increase by 300 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Company is reporting a debt that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: KY

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * Account Name/Number : XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent 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 non-monetary relief