vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: NY

Complaint narrative:
I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account 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 account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, 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 THIS FRAUDULENT ITEM : XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the Better Business Bureau XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXXXXXX Balance : {$480.00}

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 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I refinanced in 2022 for XXXX they gave me a quote of XXXX a month a year later they said my mortgage was going up to XXXX I called they gave me the run around. They finally said my refinance lady had miss calculated the taxes. She had only calculated half the taxes. I would of never agreed she was so misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: MD

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i reached out to the CRAs about reporting inaccurate and incomplete items on my credit report and i am asking for your help in deleting the inaccurate and incomplete items deleted. per 15 usc 1681 all information has to be 100 % accurate and complete, if not has to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i reached out to the CRAs about reporting inaccurate and incomplete items on my credit report and i am asking for your help in deleting the inaccurate and incomplete items deleted. per 15 usc 1681 all information has to be 100 % accurate and complete, if not has to be deleted.

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 2023-06-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX  and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am XXXX!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: TX

Complaint narrative:
EQUIFAX HAS ALLOWED INFORMATION TO BE REPORTED TO MY CREDIT FILE. I HAVE ATTACHED A COPY OF MY REPORT THAT PROVIDES ME WITH NO CONTACT INFORMATION OF THE CREDITOR, WHO REPORTED IT AND THEIR INFORMATION. 

VIOLATION OF THE FDCPA REGULATION F LAW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
I called your department after I purchased a credit report with XXXX XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that his was COLLECTION account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. XXXX of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this 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 THIS FRAUDULENT ITEM : XXXX XXXX  XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: AZ

Complaint narrative:
My ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your 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 2023-06-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XXXX XXXX He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/. I need this removed from my credit. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XXXX XXXX He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/. I need this removed from my credit. Thank you for your 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 non-monetary relief
Consumer complaint received 2023-06-22 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2023-06-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXK XXXX INQUIRY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCE {$150.00} : XX/XX/XXXX XXXX XXXX XXXX INQUIRY XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  INQUIRY : XX/XX/XXXX XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY XXXX XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX INQUIRY : 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 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX {$880.00}, XXXX  XXXX XXXX Balance : {$480.00}

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 non-monetary relief
Consumer complaint received 2023-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX {$880.00}, XXXX  XXXX XXXX Balance : {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX incorrectly reported a late payment to each credit bureau which is shown on my credit report. The company claims that everything is accurate on their end, and verified that each payment has been made on time. I have filed a dispute through the company as well as directly with each bureau and each XXXX XXXX XXXX XXXX XXXX claims the information is accurate when it is not.

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 2023-06-22 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Diamond Preferred credit card company isn't resolving my dispute on XXXX Unauthorized charges on my credit card, that were charged in XXXX, and were made without my knowledge. The first time I was aware of any " unauthorized charges '' on my Citi card was on XX/XX/XXXX, when a XXXX rep from Citi Fraud Dept called me. She said there was some suspicious activity on my account and did I authorize a charge from XXXX for {$3.00} on XXXX XXXX in XXXX, XXXX, or XXXX for {$50.00} on XX/XX/XXXX in XXXX, XXXX, or XXXX XXXX for {$59.00} on XX/XX/XXXX in XXXX, XXXX or XXXX XXXX for {$62.00} on XX/XX/XXXX in XXXX, XXXX? I replied, " Absolutely NOT!, I'm a XXXX citizen who barely leaves my home here in the XXXX XXXX! Why would I go to a XXXX in XXXX when I can go down the street to my local XXXX here! ''?? I did not authorize any charges from XXXX! What is really crazy about this conversation with the rep from Citi Fraud Dept on this day is that she only asked me about these four unauthorized charges and she could see ALL the purchases from XXXX! Yes, there were 26 more unauthorized charges from XXXX! Starting on XX/XX/XXXX there were 2 from XXXX, XXXX {$84.00} in unauthorized charges, 2 from XXXX, XXXX {$47.00}. On XX/XX/XXXX there were 4 more unauthorized charges from XXXX, XXXX {$92.00}. On XXXX there were 12 Yes! Twelve unauthorized charges from XXXX XXXX XXXX, XXXX {$350.00}! On XX/XX/XXXX there were 5 more unauthorized charges from XXXX XXXX XXXX, XXXX. I wouldn't be going thru this if this Fraud Rep asked me about ALL 30 unauthorized purchases on XX/XX/XXXX! I didn't see them until I got my statement in XXXX! The Security Investigation Dept at Citi tells me I've been Scammed and Citi does not credit scams they only credit Fraud! Now I ask you smart people out there, " if You are Frauded or Scammed aren't they ALL Unauthorized Charges on your Credit Card Right?? Citi Preferred Diamond Credit Card Company does Not want to Credit my Account!! On Citi Card website they state, " You are protected against unauthorized charges on your consumer credit card. At Citi, you will not be responsible for unauthorized Charges '' Really Citi Card? Can you Please Help me CFPB? I really need to get this resolved asap and I do not want to pay any interest charges or foreign transaction fee which they are already charging me! Help a XXXX out in the XXXX XXXX! I'm sleepless in XXXX because of this!

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The software tried to send me to XXXX and I couldnt access the XXXX and Equifax reports. I asked them to fax me the report to ( XXXX ) XXXX - XXXX. But I am not getting luck. 

I asked for their fax numbers. I want to expidite the recieving of my credit reports so that I can fix and manage my credit. I am needing this get funding. 

Please have them fax me at ( XXXX ) XXXX - XXXX. XXXX and Equifax. If they cant please email them to XXXX XXXX

Company response to consumer: Closed with explanation