vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: DE

Complaint narrative:
With guidance from the CFPB, the required documents and a letter from an advocacy group assisting me due to debt bondage XXXX XXXX XXXX XXXXXXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I request that you block and delete the listed accounts from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I am indeed a victim of debt XXXX XXXX XXXX and request that all listed accounts be blocked and deleted from my Equifax credit report. Delete and block these accounts from my Equifax credit report. 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  {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Pentagon Federal Credit Union performed an unauthorized soft pull of my credit on XX/XX/XXXX after demanding I provide a copy in order to perform an investigation on the settled identify theft issue from XX/XX/XXXX. Pentagon Federal Credit Union was explicitly told that they have no legal right under the permissible uses under 604 ( a ) ( 3 ), as they had already adjudicated the prior action in my favor. Their duty was to correct, from copies of their own internal records. I was required to produce my copies of their records in order for them to clear the hard inquiries, 18 months later. 

On a call with PenFed, I was notified that the prior XX/XX/XXXX Hard Inquiries had been simply shifted to be Soft Inquiries. This is not in compliance with the duty to correct, under 623 ( a ) ( 2 ). The requirement is to fully correct. 

Failure by Pentagon Federal to fully correct my record of credit, due to the actual and on-going identity theft issues, is causing personal reputational harm and continued distress.

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 2024-09-07 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: SC

Complaint narrative:
Statue of limitation has expired on this account ( XXXX XXXX XXXX ) and because of re- aging of the account makes it impossible to be removed. Please remove this account from my profile. The other 2 companies already removed it due to statue of limitations and transunion continue to 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 non-monetary relief
Consumer complaint received 2024-09-07 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: NY

Complaint narrative:
HI, I am XXXX XXXX XXXX XXXX, I check my credit report for the very first time and I come to find my SOCIAL SECURITY Information has been used to do things that were not mine, i have completed an identity theft report please i ask you help me remove these things that are wrongfully reporting on my file .... this should be illegal to take advatange of ederly people. 
Please see attached. 

ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX XX/XX/XXXX- NOT MINE XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - NOT MINE XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX NOT MINE XXXX XXXX MOR - XX/XX/XXXX - NOT MINE XXXX XXXX XXXX XXXX  - XX/XX/XXXX - NOT MINE XXXX XXXX - XX/XX/XXXX NOT MINE - XXXX  XX/XX/XXXX NOT MINE - XXXX OF XXXX XX/XX/XXXX- NOT MINE NEVER APPLIED XXXX XX/XX/XXXX - NEVER APPLIED 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 2024-09-07 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: LA

Complaint narrative:
XXXX XXXX Account Number : XXXX I have never been late on this account, despite the company claiming otherwise. I have submitted proof that Ive always made my payments on time, but the company has ignored my evidence. Additionally, how can the company report me as late in XX/XX/2023, but not in the previous month or the following month? All other months show on-time payments. This discrepancy needs to be properly investigated. This account needs to reflect on-time payments only, as I have never been late. Please update and correct this information accordingly. 

XXXX Account Number : XXXX This account was never properly investigated, as there are no remarks on my credit report indicating that the bureau ever conducted an investigation, yet the information was marked as 'verified. ' How could you verify something that was never investigated? I request that this account be thoroughly investigated. If you can not verify this account, I ask that it be removed from my credit report immediately. 

XXXX XXXX Account Number : XXXX This account is showing as a charge-off but is still reflecting a balance, which constitutes a violation. Furthermore, this account was never investigated after I requested proof of its accurate reporting and validation of the debt. I have not received any response to my request for validation. I request that this issue be addressed immediately. 

I am requesting validation and verification for each account listed below. If your company or the original creditor can not provide verification or burden of proof, I request that these accounts be removed from my credit report immediately. Additionally, please remove any personal information that is outdated, old, or inaccurately reported from my credit report as well. 

Additional Accounts Listed Below : 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 If a company is claiming that I was late on payments, please provide proof of where and when these late payments occurred. I request a complete list of my payments and transaction history, including the date when I first became delinquent. If you are unable to provide this information, I ask that any and all late payments be removed from my credit report. 

Furthermore, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate the bureaus ' failure to properly investigate these accounts. It is crucial that the CFPB takes appropriate action to ensure compliance with investigation requirements and address these reporting discrepancies. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: IL

Complaint narrative:
I am writing to dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7th letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my 7th notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION FROM MY ENTIRE WALLET BEING STOLEN, EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION TO OPEN UP CREDIT CARD ACCOUNTS AND CAR LOAN ACCOUNTS. 


My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 


Specifically, I refer to the following accounts : FRAUDULENT ACCOUNTS : XXXX XXXX : BALANCE {$12000.00} ACCOUNT # 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 2024-09-07 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: IL

Complaint narrative:
I am writing to dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7th letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my 7th notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION FROM MY ENTIRE WALLET BEING STOLEN, EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION TO OPEN UP CREDIT CARD ACCOUNTS AND CAR LOAN ACCOUNTS. 


My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 


Specifically, I refer to the following accounts : FRAUDULENT ACCOUNTS : XXXX XXXX : BALANCE {$12000.00} ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I am a co-owner on my residence located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX with my mother, XXXX XXXX, who is now deceased. At the time of the closing on XX/XX/year>, my father was also a record owner. He is also now deceased. I signed the mortgage documents as a co-borrower. 

The loan was underwritten through CrossCountry Mortgage, LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will attach a copy of the Closing Disclosure form. 

The closing was conducted by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The loan representative for CrossCountry Mortgage was XXXX XXXX. Another representative involved in the closing was XXXX XXXX. 

My parents were both born in XXXX and spoke XXXX as a second language. The reason for the refinance was to keep the monthly payments about the same while allowing some cash out in order to pay other bills. My father was XXXX  at the time of the closing and my mother was working XXXX XXXX XXXX years of age. 

The rate on the prior mortgage was 4.125 %. Again, the refinance was undertaken to realize some equity in the house to pay other bills, but keep the payments roughly the same. This meant extending the term for some years, which was fine At all times during this issue I resided with my parents in the home. It is my only residence. 

CrossCountry Mortgage stated that we could have a payment of {$1700.00} with a rate of 5.563 %. We were told that this payment included our property tax bills.

Later, we discovered that the real estate taxes were not included, which resulted in a new monthly payment of over {$2000.00}. Had we been quoted this figure prior to closing, my parents and I would have never gone through with the refinance closing.

My parents, being immigrants, as well as trusting individuals relied on the honesty and integrity of CrossCountry Mortgage. 

I realize now in scrutinizing the CD closely with the help of a real estate attorney that the taxes were not in escrow. This contradicts the express promises made to our family by the two representatives of CrossCountry.

One year later, CrossCountry contacted us to say that the taxes hadn't been paid and they were now forcing us into an escrow account and claimed that there was more than {$6000.00} owed retroactively. To say this was an unpleasant surprise to my mother is an understatement. 

We never would have taken this loan at a higher rate than our existing mortgage had we been told that the payments would exceed {$2300.00} a month. We accepted the higher rate with CrossCountry on their express promise that our payments ( with taxes included ) were going to be around XXXX XXXXXXXX. 

My mother has now passed and I live in the house alone. I can barely afford to make these monthly payments and of course regret relying on the verbal promises of unscrupulous brokers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: Experian Information Solutions Inc.
State: CA

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.

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 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 2024-09-07 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: Experian Information Solutions Inc.
State: NJ

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.

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 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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : 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 XXXXXXXX XXXX XXXX  These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections 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 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
My Robinhood account went under review and during the review i am not able to transfer out any money or buy any positions with stock. I reached out to them and asked why my account is being reviewed and they did not tell me.

Company response to consumer: Closed with explanation