vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: EdFinancial Services
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Delete and type in all the inaccurate accounts in here. 
Example : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
As of today, I have not heard back from you. It has been 32 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with 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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX I found out my Money Network card had been charged with {$1600.00} of transactions I did not make. I made a dispute claim and the card company said their investigation showed that it was digitally validated the second card came in the mail and before I could use it my account was compromised again so that card had to be closed as well. I made a police report and sent in an appeal for the dispute with evidence of me being on a different side of town than where the transactions took place. I still have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I am writing to formally address an identity theft issue associated with my name and personal information. First and foremost, my first concern Is Reporting 15 U.S. Code 1681b - Permissible purposes of consumer reports that has resulted in identity theft through XXXX  DATA BREACH AND DARK WEB DATA BREACH. Per 15 U.S.Code 1681c ( 2 ) ( 3 ) and ( 4 ) your agency shall block the reporting information in my file no later than 4 business days after the date of receipt by such agency. To ensure the integrity of my credit report and to protect myself from further fraudulent activities, I request that you immediately remove any records or information related to this identity theft from my credit file. This includes, but is not limited to, any accounts or inquiries that were created because of the 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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-14 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I attended a public event just so happened I had just received a new debit card and made a deposit at TD bank. Inside of my vehicle was my expensive purse and envelope with my new debit card from TD my license, a receipt from TD with my balance and my new pin written. My car was broken into at the public event all of my items were stolen multiple cards, jewelry, perfume etc. 

A police report was filed and provided to the bank, an identity theft report was filed and provided to the bank with clear and concise information however I am still being accused of frequent transactions when I never used my card at that particular store I have dealt with assumptions, discrimination from TD bank when I trusted them with my hard working money they need to refund my money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Nature of Complaint : Incorrect Mortgage Payment Calculation, Coercion, and Bad Faith Acts Statement of Facts : Shellpoint Mortgage Servicing has incorrectly calculated my monthly mortgage payment starting XX/XX/XXXX. 
In early XX/XX/XXXX I provided Shellpoint Mortgage Servicing with written notice of this discrepancy. 
Acknowledgment of Receipt : In a letter dated XX/XX/XXXX, Shellpoint Mortgage Servicing acknowledged receipt of my written notice regarding the incorrect payment calculation. 
Lack of Resolution : As of XX/XX/XXXX, I had not received any communication from Shellpoint Mortgage Servicing regarding the resolution of this issue. 
Coercion and Bad Faith Acts : On XX/XX/XXXX, I contacted Shellpoint Mortgage Servicing to inquire about the status of my payment correction. I was informed that the incorrect payment amount remained in effect. 
Threat of Adverse Consequences : Shellpoint Mortgage Servicing threatened to assess late fees and report the payment as late if I did not pay the significantly higher, incorrect amount. This constitutes coercion and appears to be an act of bad faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently discovered several fraudulent accounts on my credit report, which I did not authorize or apply for Equifax has removed some but not all. These accounts have no merit and are the result of identity theft. They include : A XXXX XXXX XXXX XXXX loan with a balance of {$34000.00}. 
A XXXX XXXX XXXX personal loan with a balance of {$9900.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$1400.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$260.00}. 
Another XXXX XXXX credit card ending in XXXX, with a balance of {$420.00}. 

Despite my repeated efforts to resolve this issue, including filing an FTC Identity Theft Report and disputing these accounts directly with the creditors and credit reporting agencies, the fraudulent accounts remain on my credit report. I have reported Equifax to the Office of the Attorney General ( OAG ), the California Department of Financial Protection and Innovation ( DFPI ), and the Federal Trade Commission ( FTC ) for failing to address the harm being done to me under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that fraudulent accounts must be promptly investigated and removed. I request immediate action to have all these fraudulent accounts permanently removed from my credit report. Additionally, I ask that the companies involved comply with their legal obligations under the FCRA to resolve this matter swiftly and ensure no further harm is done to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-14 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: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am frustrated by the ongoing inaccuracies on my credit report despite sending multiple dispute letters. I am disputing the inaccurate reporting of three crucial dates : Last Activity, Date Opened, and Date Reported. These discrepancies violate credit reporting guidelines, which mandate consistency and accuracy across all credit bureaus. The misleading information must be corrected immediately. I request the removal of these inaccuracies from my credit report.

Under the Fair Credit Reporting Act, it is essential that all information on my credit report be completely accurate. These discrepancies are violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Attached are copies of all previous dispute letters for your reference.

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 2025-01-14 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: TX

Complaint narrative:
I am frustrated by the ongoing inaccuracies on my credit report despite sending multiple dispute letters. I am disputing the inaccurate reporting of three crucial dates : Last Activity, Date Opened, and Date Reported. These discrepancies violate credit reporting guidelines, which mandate consistency and accuracy across all credit bureaus. The misleading information must be corrected immediately. I request the removal of these inaccuracies from my credit report.

Under the Fair Credit Reporting Act, it is essential that all information on my credit report be completely accurate. These discrepancies are violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Attached are copies of all previous dispute letters for your reference.

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 2025-01-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A credit card " account '' with Capital One Bank was established in my name without my knowledge or consent. I reached out to Capital One Bank via phone and submitted a request for an investigation. No one followed up with me about the investigation. After contacting capital one about the investigation I was told that the nature of the " account '' was considered accurate and that Capital One Bank did not believe the existence of the " account '' was due to identity theft. Despite Capital One 's findings, I am holding my position that the " account '' is the result of identity theft. With this complaint I am requesting further information. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX To whom it May Concern, Im reaching out because you are helping XXXX XXXX XXXX put incorrect information on my credit report related to the account below XXXXXXXX XXXX XXXX XXXX XXXX As defined by the IRS XXXX The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my report isnt accurate.

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2 XXXXXXXX XXXX XXXXXXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. Im Requesting that you delete this information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific to information is inaccurate and ; the infomation is in fact inaccurate. 

In summary, Ive shown you that this information is wrong, and youve been notified, keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Please Delete form my report immediately Thank you 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