vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have provided XXXX, Equifax, and XXXX with notarized copies of section 605B of the Fair Credit Reporting Act and FTC Identity Theft Report # XXXX, Police Report # XXXX, Small Claims Lawsuit Case # XXXX CFPB Report which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I am a victim of identity theft and human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from all three companies XXXX for myself, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/year>. 
Please delete the following accounts : Creditor : XXXX XXXX Partial Acct # XXXX. 
Creditor : XXXX XXXX Partial Acct # XXXX. ( against my religious belief fraudulent reporting account with XXXX repetitive numbers ) Creditor : XXXX XXXX XXXX XXXX Partial Acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
XXXX paid {$2100.00} Regular Payment. 

This was {$710.00} Principal, {$810.00} Interest, {$660.00} Escrow. 
But Shellpoint went in & for no known reason, minused off ( {$350.00} ) on the same date. 
The Principal balance was {$310000.00}. 
So it should have been {$310000.00} but Shellpoint left it at {$310000.00}. 
The Escrow was ( {$8100.00} ). 
So Escrow should have been ( {$7400.00} ) but Shellpoint left it at ( {$8100.00} ). 
They did not give credit for principal or escrow out of amounts paid on XXXX Principal owed {$710.00} & Escrow owed {$660.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank /XXXX  XXXX account continue to report with lout authorization or consent for the account to even be opened. This account was open fraudulently during the XXXX pandemic. The company offered not type of relief in the middle of a global pandemic, didnt offer deferment or any type of arrangements, not give relief based on the account being opened without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian regarding the following accounts that have been inaccurately reported on my credit report. Despite my efforts to resolve these issues directly with Experian, the incorrect information remains on my credit report, which is negatively impacting my XXXX XXXX. I had disputed these accounts several times and Experian fails to complete a full investigation or remove the account from my credit report. 

Details of the Accounts in Question : XXXXXXXX XXXX, XXXX Account Number : XXXX This account is inaccurately reported as a collection and also shows as an open account which is a collection account should report close. I have never had any dealings with XXXX XXXX, XXXX. 

XXXX XXXX XXXX Account Number : XXXX Issue : This account is being reported as unpaid, but I have already settled this account in full with the company. 

XXXX XXXX Account XXXX : XXXX This account is inaccurately showing charged off when it was never delinquent and show a balance and it should have not show a balance because it was a secured card and I was the one who ask them to closed the account and there were no balance on it. As a matter of fact they should be the one paying me my secured deposit back. 

XXXX, XXXX XXXX ( XXXX, NA ) Account Number : XXXX This account is reflecting as a UNKNOWN account which I am not sure who they are and what the account is about or what was the debt for. 

XXXXXXXX XXXX XXXX XXXX XXXX. 
Account XXXX : XXXX This account reporting as a collection which listed inaccurately on my report. I have never had any dealings with XXXXXXXX XXXX XXXX XXXX XXXX. 

Desired Resolution : I request that Experian thoroughly investigate these accounts and take corrective action by removing or correcting the inaccurate information on my credit report. I also ask that they provide written confirmation once these issues have been resolved. 

I have enclosed copies of relevant documentation to support my claims. Please let me know if you need any additional information to resolve this matter. 

Thank you for your attention to this urgent matter. 

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 explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX, my employer XXXX international was hacked and I was notified as someone whose personal information XXXX have been exposed. Around XX/XX/XXXX, I started receiving roughly a dozen letter from various businesses, credit agencies, etc regarding over {$20000.00} in debt I owed. I have since submitted my identity theft notes to TransUnion and they have removed all but one fraudulent account on my credit report. It belongs to XXXX in Texas, a place I have never even been to and was created at the exact same time as all the other fraudulent accounts. They keep denying my request to have it removed and wont tell me I can do anything further than to continue disputing the credit 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 2024-08-11 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:
I, XXXX XXXX  XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account NameXXXX : 15 U.S.C 1681 section 602 A. States I have the right ot privacy.

15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want ot be held {$1000.00} per violation 2. Account Name : Account Number : 15 U.S.C 1681 section 602 A. States Ihave the right ot privacy. [ Text Wrapping Break ] 15 U.S.C 1681 Section 604 ASection 2 : tI also states a consumer reporting agency can not furnish a account without my writen instructions [ Text Wrapping Break ] Delete this account immediately, unless you want to be held {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: DE

Complaint narrative:
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.

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 2024-08-11 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: NC

Complaint narrative:
Unauthorized Hard Inquiry Dispute I recently noticed an unauthorized hard inquiry on my credit report from XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S.C. 1681b ), a permissible purpose must exist for accessing my credit report, and I have not authorized this inquiry.

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 2024-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IA

Complaint narrative:
This agency is attempting to collect a debt that I do not owe. I never agreed to nor ever knowledge this debt with the current collector or the original collector. No proof has been given to me of this debt. I want a full detail break down of the original debt and my agreement to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX Account XXXX # XXXX This debt has been XXXX by the XXXX creditor, which means, that the debt has been paid and is considered income. Since a XXXX is considered XXXX, it has to be removed. Income can not be reported on credit files

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 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
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.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
In XXXX, private student loans were taken out from Navient to attend XXXX XXXX XXXX University. At the time, I was XX/XX/XXXX years old and not fully aware of the long-term implications of these loans, particularly the variable interest rates attached to them. Despite my attempts to locate the original promissory note and other documentation, Navient has not provided these essential documents, leaving me uncertain if I am legally obligated to repay this debt. 

Additionally, I never received proper guidance or counseling from Navient or my school regarding the terms of the loans, the implications of the variable interest rates, or who actually owns the loans now ( as the current owner is listed as Navient Private Loan Trust, which I am unfamiliar with ). I am also unsure whether there was a co-signer on these loans, and my father, who might have been the co-signer, passed away four years ago. 

Given these circumstances, I believe these loans may have been issued under predatory lending practices, targeting me as a minor without providing adequate information or support. I have requested this information from Navient but have not received a response that resolves these concerns. 

Dates : Loans were disbursed on XX/XX/XXXX and XX/XX/XXXX. 
I requested information and documentation from Navient on XX/XX/XXXX. 
My father passed away four years ago - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint is being filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX the credit reporting agency, block the information appearing on my consumer XXXX credit report that is the result of identity theft and fraud.This action should be completed within XXXX business days of receiving this complaint.The following is a summary of the fraudulent activity 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  This account was opened fraudulently under my name. I did not apply for this credit card, and I had no knowledge of this account until it appeared on my credit report. - 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 Similarly, this account was also opened without my authorization. I did not apply for this credit card, and it was only brought to my attention through my credit report. - 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  This credit card account was opened fraudulently. I did not authorize or apply for this account. 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 XXXX XXXX XXXX  This auto loan was opened in my name without my knowledge or consent. I did not apply for or authorize this loan. - 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  This personal loan was also opened fraudulently. I did not apply for or authorize this loan. These accounts have led to multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of the consumer FICO credit report maintained by Equifax, which shows the fraudulent items mentioned above. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me, and all are the result of identity theft and fraud. To support my claims, I have filed a police report with the XXXX Police Department in Florida regarding this identity theft and fraud and have attached a copy of the report for your reference.Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I have contacted XXXX XXXX regarding an account. According to XXXX, they have no knowledge of this account, nor do they recognize the amount associated with it. 

I have been a XXXX customer for two years, and I have consistently made my payments on time. All my accounts with XXXX are current. The reason for this report is that the erroneous information is negatively impacting my credit, and I would like to request that this issue be resolved as soon as possible. 

Thank you for your attention to this matter. 

XX/XX/2024 XXXX ( High Balance {$2400.00} ) ( Unpaid Balance {$0.00} ) XX/XX/2024 experian ( High Balance {$2400.00} ) Unpaid 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 explanation