vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Blocking Fraudulent Information under FCRA 605B I am writing to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block the information on my credit report that has resulted from identity theft and fraud. This request is made within 4 business days of receiving this complaint.

The fraudulent information includes the following accounts : 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 Balance : {$380.00} These accounts have led to multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report that shows these fraudulent entries.

I do not recognize any of the accounts, collections, or hard inquiries listed above. They were neither opened nor authorized by me and are a direct result of identity theft and fraud. 

For your reference, I have also included a copy of FTC Identity Theft Criminal Complaint # XXXX, which serves as proof that these accounts, collections, and inquiries are due to identity theft. 

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-14 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
In XXXX of XXXX ; we took out an equipment loan for our corporation. 
In XXXX of XXXX ; due to financial hardships, the corporation was dissolved. We notified the lender via certified mail of this matter and ouXXXX XXXX XXXX  Bankruptcy filing. 
XX/XX/XXXX, XXXXXXXX XXXX : An unmarked tow vehicle with a small XXXX XXXX repossessed our business XXXX without notice. The tow company refused to provide documentation. We showed the title of the XXXX, but the tow company refused to acknowledge it. 
XX/XX/XXXX, XXXXXXXX XXXX : Called the Sheriffs department and learned that the vehicle was towed as a repossession. 
XX/XX/XXXX, XXXXXXXX XXXX : Went to the Sheriffs department with proof of title. The Sheriffs department could not assist further and gave us the number for XXXX XXXX XXXX ( XXXX ). 
XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX; they directed us to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). They told us to contact XXXX at XXXX, stating it was a mistake. XXXX dismissed the title, saying it didnt mean anything and refused to send repossession orders. Directed us to contact XXXX at XXXX XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Left a message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX XXXX Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Spoke to XXXX again at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX  : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXX XXXX : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX  : Left another message for XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX  : A fellow business owner informed us that XXXX XXXX XXXX said our equipment, personal belongings, and other business-related items were in storage and that the XXXX had been auctioned off. 
XX/XX/XXXXXXXX XXXX XXXX XXXX Finally spoke with XXXX, who said he could not help as he only manages the repossession process. XXXX denied that the XXXX had been auctioned off and refused to provide repossession orders. He directed us to call First Citizens Bank at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Called First Citizens Bank ; they stated they could not help and directed us back to XXXX at XXXX. 
XX/XX/XXXX, XXXXXXXX XXXX : Went to XXXX XXXX XXXX, but the two addresses on file led nowhere. 
Eventually found their location in XXXX, and provided the vehicle title, but they dismissed it, claiming the repossession was for a vehicle owned by XXXX XXXX. They refused to provide proof or any documentation of repossession orders. They confirmed the XXXX had been sent to auction and that notices were sent to XXXX XXXX. Despite explaining that XXXX Since then, we have not received any notices, options, or ability to address the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1 ) XXXX has improperly allocated too much of the payments made to interest which is not mathematically possible, constituting a material breach. There are instances where the entire payment was applied to interest. For example, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the entire payment of {$600.00} went toward interest, with {$0.00} applied to the principal. Another example is XX/XX/XXXX. The expected interest accrual for a 30-day period is {$120.00}, but the payment history shows that {$290.00} was applied to interest. 
2 ) XXXX charged interest during the time in which interest accrual was paused during the pandemic, constituting a material breach. 
3 ) XXXX has extended the term of the note beyond what is statutorily permitted by law. Because both of the loans are Direct Consolidation Loans, and the combined balance is over {$60000.00} ( approx. {$82000.00} in total ), the maximum repayment term allowed under the law is 30 years. XXXX reports that repayment began on XX/XX/XXXX. Time Already Paid : 12 years and 4 months. XXXX 's reported term : Remaining Term : 22 years and 2 months. The total repayment term would be approximately 34 years and 6 months, which exceeds the maximum statutory term of 30 years. Failure to properly service these loans constitutes a material breach. 
4 ) this breach is further underscored by the fact that XXXX admits that I have made approximately $ XXXX in payments, but they only applied $ XXXX to principal.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1 ) XXXX has improperly allocated too much of the payments made to interest which is not mathematically possible, constituting a material breach. There are instances where the entire payment was applied to interest. For example, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the entire payment of {$600.00} went toward interest, with {$0.00} applied to the principal. Another example is XX/XX/XXXX. The expected interest accrual for a 30-day period is {$120.00}, but the payment history shows that {$290.00} was applied to interest. 
2 ) XXXX charged interest during the time in which interest accrual was paused during the pandemic, constituting a material breach. 
3 ) XXXX has extended the term of the note beyond what is statutorily permitted by law. Because both of the loans are Direct Consolidation Loans, and the combined balance is over {$60000.00} ( approx. {$82000.00} in total ), the maximum repayment term allowed under the law is 30 years. XXXX reports that repayment began on XX/XX/XXXX. Time Already Paid : 12 years and 4 months. XXXX 's reported term : Remaining Term : 22 years and 2 months. The total repayment term would be approximately 34 years and 6 months, which exceeds the maximum statutory term of 30 years. Failure to properly service these loans constitutes a material breach. 
4 ) this breach is further underscored by the fact that XXXX admits that I have made approximately $ XXXX in payments, but they only applied $ XXXX to principal.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Victim of identity theft. Could not get in touch with a Citi Bank representative. Called XXXX and they told me they could not help me with out a report. I don't have a copy of my police report because all I have is an email saying there was a hard inquiry on my credit.

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 2024-10-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Good Afternoon, I looked at my credit report back on XX/XX/year> and realized that some things were incomplete and not accurate. I sent a letter asking them to reinvestigate these accounts below : XXXX XXXX XXXX - Account XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate. 
XXXX XXXX XXXX - Account XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate. 
XXXX XXXX XXXX -Account XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
HELLO I HAVE ALREADY STARTED A DISPUTE WITH THE XXXX AND TRANSUNION REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT ... I HAVE A LINE OF CREDIT WITH XXXX XXXX, THIS BANK MADE AN ERROR AND SENT XXXX LATE FEES THESE CREDIT BUREAUS, I HAVE BEEN DISPUTING THESE INACCURACIES FOR ALMOST 2 MONTHS NOW ... ON MY XXXX REPORT XXXX WEEKS AGO XXXX TOOK XXXX POINTS FROM MY XXXX XXXX BEHIND THIS BANK ERROR, THAT THE HIGHER UP 'S DONT AND WONT ADMIT!!! THE BANK MANAGER HERE IN FLORIDA LOOKED OVER MY ACCOUNT PERSONALLY WHILE I WAS ON THE PHONE WITH HER AND SHE SAW FOR HERSELF THAT I WAS CURRENT WITH MY LINE OF CREDIT PAYMENTS FOR THE MONTHS OF XXXX AND XXXX OF THIS YEAR... IM EMAILING THE PROOF WITH AN EMAIL THAT I RECEIVED FROM HER... PLEASE SEND THIS NEW INFORMATION TO XXXX, AND TRANSUNION, AND XXXX IF YOU CAN, THEY NEED TO RESTORE MY CREDIT BACK... XXXX TOOK AWAY 67 MONTHS XXXX WEEKS AGO, THEN THEY GAVE ME THE POINTS BACK A WEEK AGO, XXXX HAS TAKEN XXXX POINTS AGAIN FROM MY XXXX XXXX, THIS IS UNACCEPTABLE, AND THEY ARE VIOLATING MY RIGHTS, ALSO XXXX AND TRANSUNION ARE NOT UP DATING MY CREDIT REPORT, ALL MY CREDIT CARDS ARE PAID OFF XXXX BALANCES, WHY THIS IS NOT REFLECTING..

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 2024-10-14 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: FL

Complaint narrative:
HELLO I HAVE ALREADY STARTED A DISPUTE WITH THE XXXX AND XXXX REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT ... I HAVE A LINE OF CREDIT WITH XXXX XXXX, THIS BANK MADE AN ERROR AND SENT 2 LATE FEES THESE CREDIT BUREAUS, I HAVE BEEN DISPUTING THESE INACCURACIES FOR ALMOST 2 MONTHS NOW ... ON MY XXXX REPORT XXXX WEEKS AGO XXXX TOOK XXXX POINTS FROM MY CREDIT SCORE BEHIND THIS BANK ERROR, THAT THE HIGHER UP 'S DONT AND WONT ADMIT!!! THE BANK MANAGER HERE IN FLORIDA LOOKED OVER MY ACCOUNT PERSONALLY WHILE I WAS ON THE PHONE WITH HER AND SHE SAW FOR HERSELF THAT I WAS CURRENT WITH MY LINE OF CREDIT PAYMENTS FOR THE MONTHS OF XXXX AND XXXX OF THIS YEAR... IM EMAILING THE PROOF WITH AN EMAIL THAT I RECEIVED FROM HER... PLEASE SEND THIS NEW INFORMATION TO XXXX, AND XXXX, AND EQUAFAX IF YOU CAN, THEY NEED TO RESTORE MY CREDIT BACK... XXXX TOOK AWAY 67 MONTHS 2 WEEKS AGO, THEN THEY GAVE ME THE POINTS BACK A WEEK AGO, XXXX HAS TAKEN XXXX POINTS AGAIN FROM MY CREDIT SCORE, THIS IS UNACCEPTABLE, AND THEY ARE VIOLATING MY RIGHTS, ALSO XXXX AND XXXX ARE NOT UP DATING MY CREDIT REPORT, ALL MY CREDIT CARDS ARE PAID OFF XXXX BALANCES, WHY THIS IS NOT REFLECTING..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HELLO I HAVE ALREADY STARTED A DISPUTE WITH THE EXPERIAN AND XXXX REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT ... I HAVE A LINE OF CREDIT WITH REGIONS BANK, THIS BANK MADE AN ERROR AND SENT 2 LATE FEES THESE CREDIT BUREAUS, I HAVE BEEN DISPUTING THESE INACCURACIES FOR ALMOST 2 MONTHS NOW ... ON MY EXPERIAN REPORT 3 WEEKS AGO EXPERIAN TOOK XXXX POINTS FROM MY CREDIT SCORE BEHIND THIS BANK ERROR, THAT THE HIGHER UP 'S DONT AND WONT ADMIT!!! THE BANK MANAGER HERE IN FLORIDA LOOKED OVER MY ACCOUNT PERSONALLY WHILE I WAS ON THE PHONE WITH HER AND SHE SAW FOR HERSELF THAT I WAS CURRENT WITH MY LINE OF CREDIT PAYMENTS FOR THE MONTHS OF XXXX AND XXXX OF THIS YEAR... IM EMAILING THE PROOF WITH AN EMAIL THAT I RECEIVED FROM HER... PLEASE SEND THIS NEW INFORMATION TO EXPERIAN, AND XXXX, AND XXXX IF YOU CAN, THEY NEED TO RESTORE MY CREDIT BACK... EXPERIAN TOOK AWAY 67 MONTHS 2 WEEKS AGO, THEN THEY GAVE ME THE POINTS BACK A WEEK AGO, EXPERIAN HAS TAKEN XXXX POINTS AGAIN FROM MY XXXX XXXX, THIS IS UNACCEPTABLE, AND THEY ARE VIOLATING MY RIGHTS, ALSO EXPERIAN AND XXXX ARE NOT UP DATING MY CREDIT REPORT, ALL MY CREDIT CARDS ARE PAID OFF XXXX BALANCES, WHY THIS IS NOT REFLECTING..

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 2024-10-14 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: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief