vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've carefully reviewed my recent credit report and found a number of unauthorized accounts that I believe were added fraudulently.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc.
State: AR

Complaint narrative:
I disputed Central Portfolio Control and it came back as of XX/XX/year> That it meets requirement if the Fair Credit Reporting Act. Its also a lot of stuff that I figured that was supposed to been taking off my credit and it has not been taking off at all. I also keep calling these Credit Bureaus and letting them know that they my name is spelled wrong and its showing up on my credit account along addresses and numbers that do not even belong to me. This needs to be removed on my credit profile. These folks on here selling people accounts to third parties that they did not have permission to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
These are inaccurate accts on my credit report Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These are inaccurate accts on my credit report Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
1. Experian is the only credit bureau I authorized to keep my credit report, to this effect I had a personal statemen, which the company removed without consulting me, and which I can not reinstate, because their web site does not permit any other personal statements than the ones they offer, 2, Experian credit report does not list my addresses correctly, I am sick and tired of providing corrections via fax and mail, and they do not permit me to do over the Internet. WHY??? MAKES NO SENSE, as much of what those credit bureaus do, 3. During the month of XXXX, I had THREE unauthorized report inquiries, each of which reduced my credit score by XXXX points, One of them was from XXXX, another from XXXX, and the thirds from the company I have never heard of, The companies, of course, do not reply to the reports of their misdeed. XXXX DOES NOT PERMIT TO FILE THOSE DISPUTES ON LINE, NOR TO CONTACT THEM ONLINE, WHY? TO WASTE AS MUCH OF OUR TIME AS POSSIBLE? 
XXXX, I am XXXX yo and I am sick and tired of the credit cards and Credit Bereaus abuse, I DO NOT HAVE ANY MORE TIME TO WASTE ON MONITORING AND DISPUTING THE IRRESPONSIBLE CREDIT BEREAUS, WHO CAN NOT EVEN KEEP THE SAME CREDIT SCORES FOR ALL OF THEM, They need to multiply their abusive organizations? It is their responsibility to make sure that they reporting the same scores and the same data, AND THEY MUST BE FORBIDDEN FROM SELLING OUR PERSONAL DATA TO WHOEVER THEIR WISH,

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: OH

Complaint narrative:
I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. 
Violation of FCRA Section 607 ( b ) : The credit reporting agency has failed to maintain reasonable procedures to ensure the accuracy of the information included in my credit report. This has resulted in the reporting of false and misleading information that continues to damage my creditworthiness.

2. Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : Despite my disputes, the credit reporting agency has not properly verified the accuracy of the information in question. The continued presence of this inaccurate data on my credit report demonstrates a failure to comply with the required investigative standards under the FCRA.

Impact on Me : As a result of these violations, I have experienced increased interest rates, emotional distress, These consequences have severely affected my financial stability and well-being.

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 2024-09-03 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: OH

Complaint narrative:
I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. 
Violation of FCRA Section 607 ( b ) : The credit reporting agency has failed to maintain reasonable procedures to ensure the accuracy of the information included in my credit report. This has resulted in the reporting of false and misleading information that continues to damage my creditworthiness.

2. Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : Despite my disputes, the credit reporting agency has not properly verified the accuracy of the information in question. The continued presence of this inaccurate data on my credit report demonstrates a failure to comply with the required investigative standards under the FCRA.

Impact on Me : As a result of these violations, I have experienced increased interest rates, emotional distress, These consequences have severely affected my financial stability and well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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:
XXXX XXXX XXXX XXXX violated my rights. This account is involved in litigation. It has lingered on my credit report for over a year. I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8 I owe no debt This company is violating my consumer right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 1681-4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-09-03 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:
( XXXX XXXX ), ( XXXX ), ( 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 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 A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an secured Long opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an secured long Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an revolving Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) an installment account opened at XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: PR

Complaint narrative:
I had requested that this account be verified and I have not seen any proof from you thet it was. I need all correspondence between you and creditor regarding the previous dispute including the data provided to you that this account is accurate. 

XXXX : XXXX Equifax XXXX XXXX  XXXX Please remove any information that the creditor can not verify I understand that under 15 U.S.C Sec 168 ( a ) you must complete this reinvestigation within 30 days of receipt of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
They took action by making daily phone calls. Here are several dates they have called me : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( have much more ). Also, I have received letters and I will upload them at a later time.

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 2024-09-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, an inquiry from Citibank Best Buy hit my credit report. I do not recognize this, as I did not attempt to open a new credit card. I immediately attempted to call Citi, however, for my surprise, my SSN was never recognized by the bots, and therefore, I could never get to a human being to help me with my issue. Note : I am a Citibank customer, I do have one of their credit cards that I've had for over a year now. I tried several different phone numbers to solve the fraudulent inquiry issue ( yes, including the number on the back of my card, obviously ), and none of them worked. By trying to use my account number, they would always give me a different phone number I should call, and the story would repeat itself. Through the chat, in the app, they would tell me to call whatever new number they come up with. 

In other words : If I had an issue with my own card, even something unrelated to the Fraud, I would still be left stranded since apparently, there are no accounts associated with my SSN. I wonder how did they let me open my account in the first palace, and give me a limit of over {$30.00}? 

A few weeks back, I also identified some fraudulent transactions on my credit card, and I was able to dispute them through the app. For my surprise, after I tried reaching out to SEVERAL different people within Citi through email, XXXX and other tools to see if anyone could at least give me an email address I could contact, I started receiving calls from Citi. Initially, I was positively surprised as I thought those were for my Fraud alert. but I was wrong. 

they called me to once again, ask me for all the information about the disputed transactions that I HAD ALREADY PROVIDED THEM WITH. I provided them with all the information once again, and asked for help with my credit report fraud issue. I was bounced around to many different teams, one of them said that they had added my SSN to my current card, the other one said he was able to identify the fraudulent application, but still had to transfer me to the applications department. At the applications department, we're back to XXXX XXXX XXXX she couldn't find any accounts or applications under my SSN. 

I don't know what else to do, who else to contact. If the VPs of Customer Support in Citi does not care about one of their customers having their identity stolen and a criminal using that information to open accounts and compromising the financial life of others, I don't know what else to expect from them. This is truly sad and embarrassing, and I'm afraid what will happen to my credit and financial life as it looks like someone is using my information unauthorized.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have requested proof that I were late on the accounts reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am expressing my concerns about the unprofessional and potentially unethical practices I have encountered since Mr. Cooper and XXXX acquired my mortgage loan. It has become evident that this company have consistently sought to increase my monthly payments through questionable means. I am particularly troubled by the following issues : Unwarranted Escrow Charges : Despite providing proof of full insurance coverage, Mr. Cooper and XXXX have charged me an additional {$180.00} in escrow. This charge appears unjustified, given that my insurance coverage meets all required standards. The continued imposition of this fee suggests either an error or an attempt to exploit my situation for additional revenue. 

Excessive Interest Rate Adjustments : My mortgage agreement purportedly includes an adjustable interest rate, which has been raised to the maximum allowable rate of XXXX percent. This adjustment results in a monthly payment of {$1800.00} on a {$200000.00} mortgage. While interest rates are known to fluctuate, it is concerning that the rate was increased to its peak during a period of rising rates without a corresponding decrease when rates dropped. This practice seems designed to maximize profits at the expense of my financial stability, particularly when market rates decline but my rate remains excessively high. 

These practices not only impose a significant financial burden on me but also raise questions about the ethics and legality of the actions taken by Mr. Cooper and XXXX. I urge you to investigate these concerns thoroughly and take appropriate measures to rectify these issues.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo locked my account They asked for all my information like my ID and bank statements to verify who I am and I uploaded all of them and they say that the Documents are not good enough Everythings accurate my ID matches my account my ID matches all my bank statements and theyre just holding my money its been almost a week. 
They want me to upload my virtual XXXX XXXX  card statement An XXXX  will not provide a statement showing my card number Its just a Bank number with all my withdrawals and deposits So since my wallet is not on my statement they will not give me my money back or unlock my account. 
This all happened because I left a waitress a {$10.00} tip I spent all my money on my account unknowingly and they took the 10 out and put me in the negative XXXX. I had the funds in the account and they fixed it and reported me as spam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They took action by making daily phone calls. Here are several dates they have called me : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( have much more ). Also, I have received letters and I will upload them at a later time.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
They took action by making daily phone calls. Here are several dates they have called me : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( have much more ). Also, I have received letters and I will upload them at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have found an unfamiliar account on my credit report that isn't mine. I believe this might be due to identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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:
I sent a letter certified mail to XXXX XXXX XXXX via certified mail. I have yet to get a response letter or correction of my credit report. On XXXX it is listed as deleted but still appears on my report. Looking for immediate correction.

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