vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am not an attorney nor am I a third party I am filing this complaint on my own behalf because it is my legal right to do so. I have an unverified from XXXX XXXX XXXX # XXXX this is the second time I have requested legal documentation or any type of proof of owership. I did not receive any response back. Please delete the following unknown addresses they don not belong to me : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA, XXXX XXXX XXXXXXXX XXXX XXXX OH, 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 2022-03-15 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: TX

Complaint narrative:
I have notified Experian that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my 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 explanation
Consumer complaint received 2022-03-15 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX and 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. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these 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 non-monetary relief
Consumer complaint received 2022-03-15 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX and 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. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these 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 non-monetary relief
Consumer complaint received 2022-03-15 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX and 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. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT XXXX CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
This company sent me a notice with no supporting documents to verify the debt. In addition, the address the letter was sent from is not the company address, indicating that they are using a third-party mailing service. They clearly invaded my privacy. FDCPA prohibits a debt collector from communicating with a third party in connection with the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I filed a complaint a few weeks ago and the companies are responding to me stalling and not understanding what my letters are stating. I will attach all letters that were sent to me and the returned letters from the credit companies. I need to have this false information off of my profile.

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 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
See attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-03-15 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2022-03-15 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: MN

Complaint narrative:
I received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with XXXX, and nothing has been done about this case.

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 2022-03-15 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: MN

Complaint narrative:
I received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with XXXX, and nothing has been done about this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MN

Complaint narrative:
I received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with XXXX, and nothing has been done about this case.

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 2022-03-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2022, i filed a dispute wit Equifax about the unverified collection reporting of XXXX XXXX XXXX account number XXXX. I alsoI requested validation of debt with XXXX XXXX XXXX account number XXXXXXXXI have sent 2 notifications, I have not heard from them in two months about this unverified account. So now I'm contacting the cfpb to step in and help me get this issue resolved. According to the Fair Credit Reporting Act, if a debt collector is not able to validate the debt that I owe, Then it must remove my report and I have not heard from them in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
This is the XXXX time I have disputed and filed a complaint with the CFPB and FTC over this account PHOENIX FINANCIAL SERVICE # XXXX It is a Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collected by another who allegedly purchased the debt. This account has issues all over the place. I request some type of documentation thew I can review for my own personal investigation. What is the date of the last activity on this account XXXX cant seem to find it? Where is the XXXX waiver?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
First, I bought this house from a hard money lender and after I finished all the repairs I did the refinance with the same lender, into a rental loan. However, this new loan company keeps harassing me about insurance. When I did the refinance the mortgage broker found the insurance company for me and everything was fine but since this new servicer got assigned they have been harrasing me. I sent them the insurance that I had paid for initially. I sent them the master policy for the community and let them know that I'm only responsible for the inside of the unit. EVerything outside is covered by the condo association. But, they keep harassing me with mail every month, they even add more insurance to my account. I think this is unfair and I don't know what to do, to get them to stop harassing me, I don't understand why they are forcing me to get more insurance than I need. I feel like this company is a scam. It has been a problem since I started my service with them and now I'm locked into a five-year loan where if I pay it off before the five years I have to pay them a penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
There is company called Tower Loan who states that a cheque was sent to me at my address. I do not have any relation with company Tower Loan earlier as well as in current time. Neither I have contacted them, nor I have placed any request for issuing check on my name. So, no relationship between me and Company TowerLoan at all.

Though they have issued a cheque on my name and sent to my address. I have never received any cheque from Company TowerLoan as well as I have not cashed out that cheque. I got to know about whole this sequence when they called me and asked of cashing cheque. I said, I do not know about this, and I have not cashed out any cheque. As per company, it was cashed out that means it was stolen and cashed out. 
Recently, I got to know from my local USPS office, my community mailbox is vandalized, and they have stopped delivering any mails to mailbox. 

Company TowerLoan was asking me to come at their office and sign Fraud affidavit with them so they can take money back from Bank and it is win-win situation for both of us as i would be free of this discussion. I declined and strictly said I will not sign any fraud affidavit with your company since I do not have any relationship with your company. Further, I lodged a complaint with local police for fraud happen on my name. 

Regularly, I am receiving calls and text messages from Company TowerLoan that I need to go to their office address to sign Fraud Affidavit else late fines will be added to my account and it will report to my credit history. I replied it is already filed with local police. I am ready to share complain no. Company person who called, said, we do not work with them. 

Company Tower Loan still insisting I need to sign Fraud Affidavit else my credit history will be impacted. My simple answer is that I do not know you at all. Why should I come to your office and sign affidavit? Second, how this company knows my SSN details which is very secure and without my consent they have used it to issue cheque on my name. Company TowerLoan has responsibility to track the person who cashed out and recover amount. However, instead of doing that, they keep calling me and making me panic and harass.

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 2022-03-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  had a representative from the SECURITY DEPARTMENT contact me. She called from the number, ( XXXX ) XXXX. She asked me to verify my identity, I gave her the last 4 of my social and address I have lived at for the past 20 years. She responded by saying, that is not the address I have for these accounts. I then told her she probably has the fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. She stated, correct. I explained that she had a fraudulent address that was outlined in my police report and FTC report. She then told me that the XXXX XXXX address was mine and a valid HOME address. I told the lady she was incorrect. I said I had gone to the actual address to see what it was and it was a store called The Mail 's Inn, filled with nothing but po box es. She told me that was incorrect and the XXXX Bank accounts with my name were valid. I then explained to the woman from XXXX XXXX XXXX XXXX DEPARTMENT that it was impossible for me to have opened and used said XXXX Bank accounts, as my personal information had been compromised for over XXXX years and there were several accounts and loans opened in my name that were fraudulent. I asked her to produce information that shows ME, the person working in the XXXX, as the same person in the XXXX using these accounts. She could not provide any proof. She then said she didn't know I worked in Entertainment in the XXXX. I asked her to not contact me again and to remove my name from these XXXX Bank accounts because of identity theft and fraud. It escalated into a screaming match where I hung up the phone. I ask for your help to have XXXX Bank remove my name from these fraudulent accounts and NEVER contact me or make idle threats towards me again.

Company response to consumer: Closed with explanation