vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: VA

Complaint narrative:
I recently was looking at my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Experian Credit Report immediately. 
XXXX. XXXX XXXX XXXX - Account Number : XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion off your re-investigation. 

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 explanation
Consumer complaint received 2024-11-01 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: PA

Complaint narrative:
I am contacting you to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft stemming from a data breach, and these accounts and inquiries are not mine. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Accounts to be Blocked and Deleted : 1. DEPT OF ED/XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 2. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 3. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 4. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiry to be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: PA

Complaint narrative:
I am contacting you to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft stemming from a data breach, and these accounts and inquiries are not mine. Under the provisions of 15 U.S.C. 
1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Accounts to be Blocked and Deleted : 1. DEPT OF ED/XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 2. DEPT OF EDXXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 3. DEPT OF ED/XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 4. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiry to be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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:
Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate 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 non-monetary relief
Consumer complaint received 2024-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your 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 non-monetary relief
Consumer complaint received 2024-11-01 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: MD

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: FL

Complaint narrative:
To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXX gap account ending in # XXXX. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments ( different months ) to wrong information 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 2024-11-01 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, which were established without my authorization due to a recent data breach. I am invoking my rights under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these items promptly removed from my credit file.

Accounts to be Blocked and Deleted : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$71.00} Unauthorized Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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 am writing to formally request the immediate blocking and deletion of an unauthorized inquiry on my credit report. I have been a victim of identity theft, which has resulted in unauthorized activity on my report. Under the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any entries associated with fraud. 
The inquiry in question is as follows : XXXX XXXX XXXX o Inquiry Date : XX/XX/year>

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 2024-11-01 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of an unauthorized inquiry on my credit report. I have been a victim of identity theft, which has resulted in unauthorized activity on my report. Under the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any entries associated with fraud. 
The inquiry in question is as follows : XXXX XXXX XXXX o Inquiry Date : XX/XX/year>

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 2024-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a letter on XX/XX/XXXX that my Best Buy Credit Card account, which was in good standing, had been closed. The reason for the account closure was one or more occurrences of late or returned payments in the last 6 months. Here is what actually occurred : I decided to consolidate the debt from my credit cards to pay one payment monthly. I am in good standing on all of these credit cards and my credit is good so I was given a loan by XXXX XXXX XXXX XXXX. They sent me physical checks with the creditors names and amounts on each. I was assured that these checks could be used electronically/mobile ( XXXX., that they would be accepted over the phone if I provided the routing and account numbers on the bottom of the check ). I proceeded to call and pay each creditor. Some of them told me that I would need to send the physical check in, which I did. I called Best Buy and they took the payment over the phone, told me to check the status of my account in a few days. I checked the status and it appeared to go through. I even called Best Buy back after my account appeared clear because I was charged interest, which the representative removed. I then received an email on XX/XX/XXXX telling me that my account was CLOSED due to 'one or more occurrences of late or returned payments in the past 6 months ' and could NOT be reopened. 
I have called Best Buy, Citibank, spoken to multiple representatives of each. They have told me that there is nothing that can be done. Best Buy told me to go to Citibank. I physically went into a Citibank location with the check itself and was told they were not authorized to take my check. They directed me back to Best Buy. I feel that this is extremely unfair practice all around. I have now been penalized for simply attempting to pay my bill- even early, I was not late on a payment this month or any other months, and my account has been closed, which will hurt my credit. I was not even told that the payment was rejected or warned that my account was in danger of being closed because the check was accepted and then rejected. I am/was a good customer, this is atrocious and abhorrent treatment. 
On XX/XX/XXXX I submitted copies, via certified mail with return receipt request, all of this information, the letter regarding my account closure from Best Buy, the statement showing the reversals, and a copy of the check stub for {$4400.00}, as well as what I am requesting as proper resolution, to both Citibank AND Best Buy. I also mailed the physical check in to the Best Buy Credit Services payment XXXX location.

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 2024-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA and the credit agencies XXXX and XXXX are reporting several incorrect things like the Date of Last activity with diffferent dates from different years. They are also reporting the opening the date as different dates. Even the account numbers are reporting two different account numbers.

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 2024-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I believe there are significant violations of my rights as a borrower that warrant further investigation. 

On XX/XX/year>, at XXXX PM, we submitted a Request for Mortgage Assistance ( XXXX ). The following business day, I received an email on XX/XX/year>, at XXXX PM, confirming the receipt of my XXXX. However, this email, along with the linked Document Receipt Acknowledgement, did not indicate any missing information, errors, or deadlines necessary for completing my application. 

Less than 24 hours later, on XX/XX/year>, at XXXX PM, I received another email with a link to a letter titled " Assistance Ineligibility Notice. '' This correspondence stated that my account was ineligible for one or more resolution options. Again, this notice failed to inform me of any missing information, errors, or deadlines, nor did it provide details regarding my right to appeal this decision. 

I believe these actions may violate the XXXX XXXXXXXX XXXX of Rights, specifically Civil Codes sections XXXX, XXXX, XXXX, and XXXX, which are designed to protect homeowners during the assistance process. 

To resolve this matter, I propose a forbearance agreement that allows me to maintain my current monthly payment of {$2100.00}, plus an impound amount of {$1500.00}, for a total of {$3600.00}. I request that any past due amounts be added to the loan balance as a balloon payment due after XXXX years. 

I appreciate your attention to this serious matter and hope that my concerns will be addressed promptly. Thank you for your ongoing commitment to consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: IL

Complaint narrative:
DUE TO XXXX THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-11-01 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: TX

Complaint narrative:
I am contacting you to request the blocking and deletion of the following account and associated inquiries from my credit report, as I am a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$340.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I am contacting you to request the blocking and deletion of the following account and associated inquiries from my credit report, as I am a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$340.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: OK

Complaint narrative:
Please refer to complaint XXXX and add this complaint to it. They finally called me back and agreed that they did make an error in taking over {$920.00} from my checking account. I spoke with XXXX. I asked for fees to be reimbursed that were incurred from there error causing an overdraft and returns in my account and they refused. I advised that if CFPB is unable to get resolution that I would be contacting the attorney general in my state.

Company response to consumer: Closed with explanation