vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GA

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 2023-03-23 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: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 2023-03-23 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: MD

Complaint narrative:
This is my 8th request to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning do not connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-03-23 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: MD

Complaint narrative:
This is my 8th request to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning do not connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I had a checking, savings, & credit card account with First Tech FCU for over 10 yrs. My line of credit was XXXX and my payments of {$300.00} each month were in very good standing until I missed a payment for XXXX 2022. It was an oversight. I was having health issues during XXXX & XXXX of 2022, and I was admitted by emergency at the XXXX XXXX XXXX XXXX where I underwent extensive testing and treatment for 2-days. 
I had been with that same bank branch location before it changed names a total of 3-times, ( over 20-yr 's ) I first opened my account at that branch when it was XXXX XXXX XXXX, XXXX XXXX XXXX changed to XXXX XXXX XXXX, and later became First Tech FCU. 
My direct deposit from my employment went to First Tech FCU, my mortgage payments were automatically paid thru my checking account. The bank failed to make my mortgage payment for XX/XX/2022 because they closed my account without notice. My excellent payments with my mortgage were negatively affected as a result. 
According to the Consumer Financial Protection Bureau, First Tech FCU violated the Fair Debt Collection Practices Act ( FDCPA ) when they garnished the entire amount of funds available in my checking account in the amount of {$4000.00}. without a court ordered judgement, & without proper notice. 
ADDITIONAL DETAILS I could no longer access my bank statements when my account had been closed. 
The bank was demanding full payment in an amount above the amount owed without reducing the unauthorized funds that First Tech FCU had garnished from my account. I did not agree to the demands and the banks agent wanted in the amount of {$650.00} a month ( previously {$300.00} a month ). 

A debt collector, " XXXX XXXX " with XXXX, XXXX contacted me last month in XXXX by sending me a validation notice. I responded and disagreed with the incomplete & inaccurate details that he provided ( See Attached item 1 & 2 ) XXXX XXXX replied again 1-week ago, but this time he made false & slandering accusations. ( See attached, item 3 ) His words were very offensive, false, and contrary to the integrity of my credit file in excellent status.

I recently discovered that the entire 10 yrs. of my payment history with First Tech FCU is missing from my credit report ( not displayed ). ( See Attached, item 4 ).

I have always strived to maintain an excellent status with my financial responsibilities, & payments debts, accounts, and creditors. request that this creditor 's derogatory reporting not be considered as a negative reporting at this time against the integrity of my credit history on file because I am pursing legal action against First Tech FCU.

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 2023-03-23 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: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative information currently listed on my credit report. I believe that there are a number of errors that need to be corrected as soon as possible. 

Bankruptcy XXXX XXXX - XXXX Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3-7. DEPT OF EDUCATIONXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete these accounts from my report completely. 

XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX ( x6 ) I have no recollection of authorizing these credit pulls and I demand they be removed. 

I appreciate your prompt attention to these matters and look forward to seeing the necessary corrections made to my credit report. Please inform me in writing of any changes made to my credit report as a result of this dispute. 

Sincerely, 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 2023-03-23 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: KS

Complaint narrative:
XXXXXXXX XXXX  sold our loan to XXXX XXXX on XX/XX/2023. They failed to report this correctly to both Experian and XXXX. Both credit bureaus are showing twice the amount owned on the same house due to XXXX continuing to falsely and illegal report our mortgage with them as open instead of closed. Our reports still show our XXXXXXXX XXXX as open with a current amount of {$270000.00} and with XXXX XXXX with a current amount of {$270000.00}. This shows future creditors that we have an open balance of {$540000.00} and XXXX mortgages which is false. 

A dispute was opened with Experian on XX/XX/2023 and the letter from XXXX showing the sale of the loan was provided. On XX/XX/XXXX, XXXX knowingly, illegal, and falsely told Experian that their loan with us was still open. Experian denied the dispute and kept the information on our credit reports due to XXXX reporting all the information as accurate - open account. Additional information was provided such as the letter XXXX sent to our insurance company asking to be removed from our policy and they are no longer our lender. XXXX knowingly, illegal, and falsely told Experian again on XX/XX/2023 that our loan with them is still open and all the information on are report is current. 

In addition, even thought it has been more than 30 days, XXXX refuses to provide an escrow statement after closing the account.

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 2023-03-23 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: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2023-03-23 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: CA

Complaint narrative:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2023-03-23 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: MO

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00}

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 2023-03-23 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: MO

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: OK

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX Balance {$5300.00}.

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 2023-03-23 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: OK

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX XXXX Balance {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: OK

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK 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 explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brock & Scott, PLLC
State: OH

Complaint narrative:
In XX/XX/XXXX a letter was received in reference to a second mortgage debt. I provided information of the bankruptcy discharge, as well as the debt was accelerated nearly two decades ago and various collection activities occurred over 15 years ago. Under the law the debt is time-barred. I disputed the debt with the company, Brock & ScotXXXX, in which they replied that they wanted copies of acceleration letters. Those letters were provided to them in XXXX. Since that time, they have begun attempts to collect the time-barred mortgage. At no point have they responded to the dispute nor responded to the twice made request for a full chain of title, documentation of the full chain of title, all endorsements, age of debt, last payment on the account, current accounting, last actions taken on the account, calculation of limitations period, original creditor name and address and all alleged transfer dates should be provided under the dispute previsions. A request was also made for all licensing and legal authority to act on and pursue said alleged debt within the state of Ohio. To date, again, nothing was provided yet collection attempts have began. 

Attached is the letters sent- including the showing that a collection attempt was started in XXXX. Brock & Scott will not respond and failed to comply with any conditions of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: CA

Complaint narrative:
The 3 credit Bureau 's credit reporting agency ( CRA ) is reporting inaccurate accounts listed below ; Due to their errors in reporting, Im reporting these violations. The first is with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second is the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be corrected from the agencys report. The following accounts listed below is inaccurate. 
XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$40000.00}

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 2023-03-23 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: CA

Complaint narrative:
The 3 credit Bureau 's credit reporting agency ( CRA ) is reporting inaccurate accounts listed below ; Due to their errors in reporting, Im reporting these violations. The first is with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second is the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be corrected from the agencys report. The following accounts listed below is inaccurate. 
XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$40000.00}

Company response to consumer: Closed with explanation