vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX credit reporting agency , and Equifax credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX XXXX XXXX  in XX/XX/XXXX, and XXXX XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
U have multiple credit report inaccuracies the first being a charged off account that was paid in XXXX of 2024 that needs to be removed as it is not consistent across all my credit reports. Additionally I have XXXX evictions and XXXX forcible entries on my credit report which are incorrect the evictions shouldnt be tied to me as the lease was in my fathers name under his social security number and I lived with him while finish school additionally there was never a forcible entry which doesnt belong on his report or mine

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 2024-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XXXX, XXXX XXXX  To Whom It XXXX Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : XXXX XXXX XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: NH

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

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 2024-08-05 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: MN

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX - XXXX - Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX- XXXX- Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I did not give permission to pull credit and was pulled to many times

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 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's 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 as accurate : 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 2024-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
I received a letter on XX/XX/year> from Sallie Mae that my account was placed in administrative forbearance for 60 days, no payments due while I complete the XXXX discharge paperwork as a XXXX Veteran they requested within 90 days of receiving the letter and the paperwork was attached. However, I kept receiving collection phonecalls and threatening emails that they were going to report me delinquent to the credit agencies. I called for a period of 2 weeks, to collections, escalation managers, and even the military department and was assured it would be corrected. However, on XX/XX/year> Sallie Mae reported me 30 days past due, then on XX/XX/year> 60days past due on my accounts. All 3 credit agencies are now reporting me delinquent 60 days for Sallie Mae.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: OH

Complaint narrative:
Called experian friday XX/XX/XXXX and companies and no help

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 2024-08-05 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: IL

Complaint narrative:
I am seeking your assistance with an incorrect account listed on my credit report. This issue has harmed my reputation, and I need your support to address it.

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 2024-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I received a delinquent notice of unpaid school taxes. Loancare Mortgage company shows that they we paid from my escrow account on XX/XX/XXXX. Loancare did pay the delinquent notice and fees but charged those fees to my account. This extra payment of taxes and fees raised my escrow payment as well as my total overall payment. Since our loan was serviced to Loancare in XXXX our payment has gone up almost {$200.00}. 

I have since called Loancare no less than XXXX times to go over these details and track down the original payment of our taxes. Loancare has not yet issued a refund to our account for the original tax payment. This will again raise our escrow payment to the tune of at least {$100.00} because our account will show a shortage as school taxes will again be due in XXXX. 

Loancare has mismanaged our funds and this mistake is costing us by raising payments while still not receiving money that we are owed from 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 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I notice unauthorized hard inquiries on my credit report that I would like removed. According to the FCRA SECTION XXXX that unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXXXXXX

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 2024-08-05 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: VA

Complaint narrative:
I notice unauthorized hard inquiries on my credit report that I would like removed. According to the FCRA SECTION XXXX that unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX, XXXX XXXX AND 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 2024-08-05 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: GA

Complaint narrative:
I am filing this complaint to inform you that I am a victim of identity theft. I mailed TransUnion a notarized letter on XX/XX/XXXX, that was received on XX/XX/XXXX at XXXX via certified mail XXXX XXXXXXXX ( See evidence ), with all of the required documentation. By XX/XX/XXXX, the accounts that I listed as being the result of identity theft were still on my consumer report, and still indeed remain on my report. 

Reference : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following accounts are a result of Identity theft and was not initiated by me : 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 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 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 ( See evidence ) TransUnion did not block and delete this information within XXXX business days. 

Impact and Damages : As a result of this violation, I have suffered various harms, including the denial of new credit and increases in lines of credit. The invasion of my privacy has caused reputational, emotional, physical, and economic harms.

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 2024-08-05 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: VA

Complaint narrative:
I notice unauthorized hard inquiries on my credit report that I would like removed. According to the FCRA SECTION XXXX that unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I have repeatedly reported identity theft but they refuse to remove account as per XXXX XXXX XXXX XXXX bank they refuse to disclose results of thier investigations I have been a victim of multiple data leaks in witch cause my identity theft In accordance of of the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have a right to privacy and 15 usc 1681 section 604 a section 2 states that a furnisher can not report a account without my written instructions under 15 usc 1666b a creditor can not treat a payment under a open credit account as late for any poupose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX reported late payments to my credit during XXXX pandemic. The XXXX XXXX was put in place to protect consumer credit during the national crisis. I'm asking all late payments reported during the XXXX XXXX credit protection period be removed from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
I opened a new checking account on XX/XX/2024, with promo code XXXX, and was supposed to receive a {$250.00} bonus payout by XX/XX/XXXX after completing the qualifying activities. 

Please pay attention, I am not talking about promo XXXX, but rather XXXX which was applied to my account. I am attaching the offer terms for reference. 

Per offer terms : All bonuses will be paid to qualified customers no later than XX/XX/2024. 

However, despite completing all required activities & the date XX/XX/XXXX has passed, I don't see any bonus hitting my account. 

I tried contacting customer service via chat and phone but had no luck except for false promises or they were simply blank. 

This is a false advertisement and clearly shows the bank 's unwillingness to help their consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, North Carolina XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX XXXX and TransUnion Subject : Request to Opt-Out of Reporting Process Dear XXXX, I am writing to formally request that you opt me out of your reporting process in accordance with the provisions outlined in the following laws : 15 USC 6508, 15 USC 6081 , 15 USC 6802 , 15 USC 6805 , 15 USC 1681 , and 16 CFR 313 and 313.7, as well as The Privacy Act of 1974.

As a consumer, I understand my rights under these statutes, which provide me with the ability to co
ntrol how my personal information is used and reported. I request that you cease reporting my personal credit information to third parties and take all necessary steps to ensure that my data is not shared without my explicit consent.

Please confirm receipt of this request and inform me of any actions taken to process my opt-out request. Additionally, I would appreciate it if you could provide me with a written acknowledgment of this request and any relevant details regarding your procedures for opting out of your reporting process.

Thank you for your immediate attention to this matter. 

Sincerely, 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