vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1968 Dear Consumer Financial Protection Bureau , I am writing to file a formal dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by. The details of these violations are as follows : Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX The address associated with is incorrect and does not pertain to me. This inaccurate reporting has led to severe emotional distress and unjust consequences on my credit history. The violations include : FCRA, Section 1681e : The inclusion of an incorrect address on my credit report violates the FCRA 's requirement that credit reporting agencies maintain accurate and up-to-date consumer information. 
FCRA, Section 1681i : Despite my repeated disputes, no reasonable investigation has been conducted to rectify this inaccurate information, further violating the FCRA. 
This erroneous information has profoundly affected my life. Allow me to share a personal story illustrating the extent of the harm caused : For several years, I have diligently worked to maintain a strong credit history, a crucial factor in achieving financial stability. However, the reporting of the inaccurate address linked to has cast a shadow of doubt on my credibility as a responsible borrower. This issue emerged when I applied for a mortgage loan to fulfill my dream of homeownership. The lender questioned the inconsistency between the address on my credit report and the address provided in my mortgage application. This discrepancy led to delays in processing my application, putting my dream on hold. 

The emotional toll this situation has taken on me is immeasurable. The fear of being unfairly judged due to erroneous information haunts my every financial endeavor. The stress and XXXX caused by these events have affected my overall well-being and have taken a toll on my personal and professional life. 

Given these violations and the detrimental impact on my life, I urge the Consumer Financial Protection Bureau to enforce the legal protections set forth by the FCRA and FDCPA. I request a thorough investigation into the actions of and the immediate removal of the incorrect address associated with from my credit report. 

Furthermore, I demand that undertake a diligent review of all accounts it has reported on my credit history and remove any unverified or inaccurately reported accounts. This action is essential to restoring the integrity of my credit report and protecting my financial well-being. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting practices. I look forward to a prompt resolution of this dispute. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: CO

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. 

Bankruptcy Filing No. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. 


Please do not close this complaint because it is a different case from the complaint I submitted last XX/XX/2023.

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 2023-08-29 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: NM

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to communicate with Citibank cbna for over a year, an unauthorized Transaction for XXXX was put on my card that I didnt ask to do, my limit was only XXXX, why would I charge that amount and its a secured card I purchased, after telling them this, they have reported to credit agency, information is wrong and my Im In titled to my privacy and if chargers was unauthorized, my personal account was hacked and fraud was done on it as well and also alerted citi bank by information was compromised and fraud was done and needed help, with personal Acct # XXXX and credit account # XXXX 15 U.S. Code $ 1681c-2 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.

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 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
The debtor has been sending legal forms and as a form of protection, I secured a lawyer. Payments were arranged but the debtor sent a motion to garnish my wages adding more charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX SIMPLE Account Number XXXX Delete this account. 

2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number XXXX Delete this account. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES BANK XXXX XXXX Account Number XXXX Delete this account From My Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
XX/XX/2022 was asked to be removed due to Bankruptcy

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account name : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 

In acgesdance with the fair credit Resort 995 act XXXX Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account immediately Sincerely, 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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have dealt with the issue for over 6 months and made phone calls for over 20 times. Every time this bank made a new story about they were processing it and asked me to wait 48 hours or 7 to 10 business days and nothing ever happened. I keep calling and they keep doing the same thing over and over again in a pattern of infinite loop. They told me they may have a system problem and they are trying to understand it. I am pretty sure it would never resolve it without going through legal help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: TX

Complaint narrative:
I called equifax because when i pulled my report up on equifax.com the only things i see is one address that belong to an authorized your and the one account from the authorized users account, but I am not seeing the rest of my report. I was in the middle of getting my car loan and already had my pre approval so when my bank went to submit my loan my whole credit profile ie erased other then the one authorized user account and their address. I ask them is there anyway they could delete my online account so I can see if that would reset my profile so way and the XXXX operator XXXX XXXXXXXX XXXX stated she could not close the whole account out so I can create a new one. This has messed me up from getting my car loan today and now this has effected me from being able to make it to work. I need for my credit profile to show all my information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I am a XXXX XXXX XXXX and XXXX XXXX  Veteran. I had an XXXX XXXX visit that resulted in admission and XXXX XXXX. I advised the VA of my admission immediately. I was admitted in XXXX of XXXX and now I am receiving collection from Ability Recovery Services for over {$1800.00}. I've notified VA Community Care National Office with this information. The collection is now 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: PR

Complaint narrative:
Incorrectly filed my apartments mailing and physical address, has not corrected my information and is withholding taxes and insurance in escrow to include a refund which is owed. Theyve have made numerous errors during the communication process, they have incorrectly mailed a check to an incorrect address, they have incorrectly sent numerous mortgage statements to an incorrect address, they have misunderstood the request of an address correction for a common change of address. They failed to respond and communicate to the request in a timely fashion as this has been going on since XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: MO

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-29 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: MO

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-29 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: AL

Complaint narrative:
Account name : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 

In acgesdance with the fair credit Resort 995 act XXXX Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account immediately Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-29 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: VA

Complaint narrative:
To whom this may concern I XXXX XXXX XXXX is filing this complaint on behalf of myself anf no one else. Over the past 3 months I have disputed false and inaccurate information on my Consumer file with the 3 CRA ( Equifax, XXXX, XXXX ) in regards to late payments that they are continuing to report false and inaccurate. Each time all 3 CRA ( Equifax, XXXX, XXXX ) has responded that the information I have disputed was " verified '' as accurate but each time all 3 CRA ( Equifax, XXXX, XXXX ) have reported different information in regards to these accounts. Not only has the false reporting cause severe damage to my ability to obtain credit but it has caused my family great damage. Per 15 usc 1681a Congress clearly states that ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have and will be providing documents of proof that these accounts should not be reporting at all. I'm demanding that these late payments be removed or I will have no other choice then to contact my legal counsel and sue each CRA for punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related. 
alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 

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 non-monetary relief
Consumer complaint received 2023-08-29 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation