vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I called your department after I purchased a credit report with XXXX on XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS 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

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have not received an answer to my Qualified Written Request that I sent to both Ocwen Mortgage, PHH and Litton Loans. Even though this complaint is for Litton  all of these companies have asked me to pay them for my second. 
I've asked all of them several times who is the secured party that they sought to receive payment for. I do not believe I owe anyone who has contacted me thus far, so I have answered no to have I missed a payment. 

I have attached my last QWR in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My information was exposed in the XXXX, Transunion, XXXX XXXX breach. I pulled my credit reports and noticed that I had a lot of unauthorized and inaccurate accounts that I did not consent to. I didn't consent to opening these accounts and I did not consent to the credit bureaus furnishing these unauthorized and inaccurate accounts. this is not fair to me because this is ruining my reputation with the banking system. I need these accounts removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by [ Experian/XXXX XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved.

Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication.

Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference.

Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased.

I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon.

In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies.

Thank you for your immediate attention to this matter. 

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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Im not sure why Im getting this letter, I dont have an account with this company. Im a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I've had several fraudulent transactions on previous account ending in XXXX. As a result, this particular account was closed in XXXX of 2023. I've worked with several merchants for reimbursement and reversals during the time of my account closure! I've also contacted my financial institution, ( BOA ) to assist. For several months, I was informed to work directly with the merchants. I eventually submitted the claim to the bank because nothing was being resolved. Not long after I submitted my claims, I received documents for each claim stating that My claim can not be approved because they fell outside of the dispute time frames that the bank follows. However, I was only doing what I was instructed to do which was work with the merchants directly. Also, as I was calling the bank back and forth, it would have been feasible if a representative ( s ) would have told me that I am reaching my deadline. I tried everything in my power to get this done without involving the bank on their behalf. 

Below are the dates that I received the correspondences for my unapproved claims, ranging from the timeframe dispute, along with other unapproved claims and expectations for those. I've also attached statements that I faxed to Bank of America 's claims resolution department. 

XX/XX/2023 for XXXX XXXX XXXX 's for the amount of {$1500.00}. I was double charged one lump sum, and then several small transactions ( dispute timeframe ). 

XX/XX/2023 for the XXXX store in the amount of {$1300.00}. This particular claim was declined due to the charge " being authorized by me or someone who has permission to use the card or account '', per my correspondence. 

XX/XX/2023 for XXXX and the amount of {$230.00}. This merchandise was never received and some of it was damaged. ( dispute timeframe ). 

XX/XX/2023 for XXXX XXXX in the amount of {$5100.00}. The initial total for this valid transaction was {$11.00}, XXXX. The {$5100.00} is from return merchandise that was unable to be processed on a closed account. ( Dispute timeframe ). 

XX/XX/2023 for XXXX in the amount of {$410.00}. This was a valid transaction, however someone picked up my merchandise and the ID wasn't checked. I never received my items. 

XX/XX/2023 for XXXX  in the amount of XXXX. I was double charged for this transaction. I paid the XXXX XXXX directly, however this also falls out of the ( dispute timeframe ).

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 2023-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have received numerous of phone calls that I have proof where I screenshot the phone calls with my cellphone also called my parents number which made her very upset. 
this week XXXX have called over 5 times this week and last week called over 8 times within 7 days regarding to the Debt collectors violate the Fair Debt Collection Practices Act ( FDCPA ) when they harass, oppress, or abuse you. 
Its harassment when debt collectors : *Place repetitious phone calls or use electronic communications such as text, email, and social media messages intended to harass, oppress, or abuse you or any person *Call you without telling you their name Also the state 's statute of limitations has been reached on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is a debt from a checking account they claim was overdrawn when I chose to leave Wells Fargo. This is a debt from XX/XX/XXXX. It was charged off in XXXX. 

FAR BEYOND THE STATUTE OF LIMITATIONS IN CALIFORNIA AND THE FEDERAL LAW. 

The collection agency indicated they have been attempting to collect for over 15 years but I never received notifications or telephone calls. I informed them that I moved from California over a year ago so any recent collection efforts would have been missed. 

They recently reached out to a relative with whom I had legally sought to protect myself from ( why I left California ). The communication with the collation agency encouraged the relative to locate me to deliver the message from the collection agency. 

All over a minimal collection amount : Original debt {$1400.00} Proposed payment {$2900.00}

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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:
There is an inquiry on my Equifax Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax credit report immediately. Please remove the following : XXXX Bank XX/XX/2023. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
Received XXXX calls on XX/XX/2023 regarding someone elses debt. Once I told them they have the wrong number, they ignored me and continued asking if I knew this person even after I told them to remove me from their contact list. They are violating the Fair Debt Collections Practices Act just by their action of trying to reach someone other than the exact person that they are searching for and violating the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have not received an answer to my Qualified Written Request that I sent to Ocwen Mortgage, PHH and Litton Loans. Even though this complaint is for Ocwen all of these companies have asked me to pay them for my second. I've asked all of them several times who is the secured party that they sought to receive payment for. I do not believe I owe anyone who has contacted me thus far, so I have answered no to have I missed a payment. I think the account # is XXXX but if they give another number that is ok I just need to know who they were collecting for. 

I have attached my last QWR in this complaint.

Company response to consumer: Closed with explanation