vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: NC

Complaint narrative:
Subject : Dispute of Verified Accounts and Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) CFPB dispute number XXXX and XXXX and XXXX Dear CFPB, I am writing to formally dispute the accuracy of certain items on my credit report, which were previously verified by the credit reporting agencies. Despite my initial complaint, the credit reporting agencies have failed to provide adequate verification of the disputed items. Therefore, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and requesting a reinvestigation of the disputed items.

According to FCRA 611, the credit reporting agencies are required to verify the source of the information they used to return a " verified '' response to my initial complaint. Since the credit reporting agencies did not contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, they have failed to disclose the source of their initial " verified '' response. 

I request that the credit reporting agencies either : 1. Verify the source of the information used to return a " verified '' response to my initial complaint, or 2. Delete all contested items from the credit report they maintain. 

Failure to comply with this request will result in the credit reporting agencies being held accountable for willful noncompliance and negligent noncompliance with the FCRA. This includes compensating me for all credit denials attributable to the contested items in question. 

Please provide me with written confirmation of the actions taken regarding my dispute within 3 days. 

Thank you for your prompt attention to this matter.

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 2024-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear XXXX XXXX ; Cfpb ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-09-06 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called ACIMA DIGITAL FKA SIMPLE, officially registered as a financial service organization within the state of Texas. I have attached a copy of my XXXX credit post that shows as a debt originator and servicer that the debt never belonged to me. I desire my rights as a consumer to be protected under the Fair and Accurate Credit Transaction Act ( FACTA ). As a Texas bonded agent in the collection of its own procured debts, Acima Digital did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and one vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under FACTA, I demand that Acima Digital remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas.

( 3 ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( 4 ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 
Accordingly, the complaint I am submitting is valid, the collection is not and must be deleted permanently from XXXX respectfully. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NV

Complaint narrative:
I have no connection to the mentioned creditors, and I did not authorize these inquiries.

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 2024-09-06 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: GA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against XXXX, XXXX, and Equifax to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, and XXXX 2. Contacted each credit reporting agency ( XXXX, XXXX, and Equifax ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of alleged Debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: FL

Complaint narrative:
Applied for auto insurance. Provided full information. Lexis Nexis sent report listing " negative information '' that may have resulted in being denied for auto coverage. Never had a claim. All past insurance carriers national companies. There should not be anything negative in our Lexis Nexis report. I have called multiple times. Submitted the only request for copy and mailed via US Postal service a copy of my consumer Lexis Nexis report. Now they state they have no record, despite my sending the file number ( per Lexis Nexis ). 
What to do? Insurance hard enough to get in Florida. And here I sit with auto premiums 100 % high than they were in Pennsylvania, well okay. But current provider XXXX continues to raise my premiums based on this false report that Lexis Nexis states - Does not exist! 
Very Sad! : (

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Purchased a product through XXXX but XXXX information was unavailable. 

Contacted Transunion in XX/XX/2024 with no return email or call. Purchased the Transunion product but was unable to logon after purchase. 

Customer service was unable to correct the problem after several calls. 

Transunion did not refund the failed product. 

Attempted to gain access to the account XX/XX/2024 and they stated I had to email copies of birth certificate, drivers license and social security card. No response Attempted same process XX/XX/2024 with no help from customer service but they requested photos of the same documents again. 

I am unable to gain credit for a purchase because Transunion is not showing a credit record and I can not get help from the company.

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 2024-09-06 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: MI

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiry I am writing to file a formal complaint regarding an unauthorized attempt to apply for a line of credit using my personal information. On XXXX XXXX XXXX XXXX, I received a notification that someone had applied for a line of credit at Nordstrom using my information. Thankfully, the application was denied, but this fraudulent attempt has caused me significant concern. 

To protect my identity and prevent further fraudulent activities, I have placed a credit freeze with all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX  Despite these measures, I would like to formally report this identity theft incident to the FTC for investigation. 

Additionally, I am working to have the unauthorized credit inquiry removed from my credit report and to ensure that my personal information is safeguarded. I would appreciate your assistance in investigating this matter and providing any advice or next steps I should follow to further protect my identity. 

Please feel free to contact me at the phone number or email address provided above if you need any additional information. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am not sure if this is the place to report this, but I will start here and see. If this is not the right place who cares about things like this? XXXX? How about we don't allow Experian to be one of the 3 major credit reporting agencies ; their customer service is horrible. I was involved in multiple data breaches the national one, the XXXX XXXX and XXXX. I am starting with fraud alerts on my accounts. I was able to get to a person to help with with XXXX and XXXX within a reasonable amount of time. 

Today is XXXX XX/XX/2024. I have repeatedly tried to get a hold of a person at Experian because I am locked out of my account. I wanted to set a fraud alert to start, but I can not do this if I can't access my account. I think they had an old phone number of mine and there was absolutely no way to get into my account. Their XXXX numbers do not get you to a person, they just hang up on you if you don't select one of their options. None of their options provided me an option for what I needed help with. I was hung up on by their automated system multiple times. I called on the XXXX multiple times. I called today 3 times and finally found a number which put me on hold for XXXX mins. after the first person answered. Then I hung up thinking I had the wrong number. I called back to the same number, as it seemed to be the best option to get a person, and after XXXX mins on hold I got someone who was able to help. This is extremely poor treatment for a customer. Experian is a fairly large company with over XXXX people employed worldwide. How can they provide such poor service with that many people working for them?! Of course why do they care, we have to use them! Why do we have 3 major credit monitoring agencies in the US. How about we just have one and stop making life so stressful for us all! Let 's get rid of Experian as one of them. Thank you = )

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 2024-09-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called XXXX XXXX XXXX, officially registered as a debt-buyer with the National Mortgage XXXX XXXX XXXX XXXX ) and bonded within the state of Texas. I have attached copies of the XXXX credit posts that show as a debt buyer for a debt that never belonged to me, and under the Fair and Accurate Credit Transaction Act ( FACTA ). As a federally bonded agent in debt collections, XXXX XXXX XXXX did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and XXXX vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under FACTA, I demand that XXXX XXXX XXXX remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas and the compliance office of the NMLS. 

( XXXX ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( XXXX ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 
Accordingly, the complaint I am submitting is valid, the collection is not, and must be deleted permanently from each credit bureau, Experian, XXXX, and XXXX XXXX respectfully. 

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 2024-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
In early XX/XX/XXXX, I received a {$2700.00} deposit into my bank account from PennyMac. No explanations or documentation was provided for this deposit, so I'm guessing this was a refund for my recent tax exemption approval. Subsequently, XXXX XXXX XXXX sent PennyMac 3 separate checks for the refund, per law, collectively for approximately {$7600.00}. I do not have copies of these checks, but I will request them from the XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX and my exemption was approved for retro exemptions for the years XXXX, XXXX, XXXX. I received approval for XXXX this past XXXX. On my mortgage statements, the escrow being charged has not changed since I received this exemption. I've tried several times to contact PennyMac on my own and every time I call, I can never get a live person. This is very frustrating and time consuming. I asked my HUD counselor to assist me with this and we finally got a live person on the phone on XX/XX/XXXX. The agent at PennyMac stated that they wouldn't have the new tax amounts until closer to XXXX. XXXX XXXX XXXX has sent the approvals to PennyMac several times, and clearly they know I have this exemption since I received the initial refund. Why, then, is the escrow so high still on my mortgage statement? Where is the rest of the refund- it was sent to PennyMac, it should come to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The late payments are inconsistent with my usual payment history.

Company response to consumer: Closed with non-monetary relief