vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : American Express under the Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX under Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX Acct # XXXX opened on XX/XX/XXXX, XXXXXXXX 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 opened on 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX under the Acct # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX Acct # XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citicards CBNA 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 opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
ON XX/XX/year>, I SENT PORTFOLIO RECOVERY ASSOCIATES , LLC A CERTIFIED MAIL LETTER WITH RETURN RECEIPT, STATING TO LIFT THE CEASE AND DESIST, FOR THE PURPOSE OF COMMUNICATION FOR CLARITY ON THE ALLEGED DEBT AND I HAVE YET TO RECEIVE THE RETURN RECEIPT BY MAIL. BUT YET, THEY ARE STILL RESPONDING TO ME THROUGH THE CFPB PORTAL!

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently obtained a copy of my credit report and these accounts were reported showing I owe a debt. After requesting a debt validation and proof the the HIPPA Release form with my signature and a breakdown of the charges from the orginal credit and XXXX XXXX. They were not able to provide me with those documents. 

I am allowed under the HIPPA Law ( Health Portability and Accountability Act of 1996 ) to protect my privacy and medical records. I do not recall permitting them to release my medical information to a third party. 

I believe that this company violates the FDCPA for withholding the documentation requested of service in connection with the alleged debt. Please help me resolve this matter since they refuse to cooperate with my request. 

Account in disputed listed below : XXXX XXXX XXXX ( XXXX XXXX ) {$6600.00} Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
We received a check in the mail from the XXXX XXXX, stating that the check pertained to our former mortgage accoiunt XXXX. However, we received no further details of what exactly the check was remediating. We need exact details in order to decide if we need to file an additional remediation claim.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Costco Citi Fraud Response scam. 

On Friday XX/XX/year>. 
I received a call from XXXX and XXXX. I answered the XXXX at XXXX. 
Someone with a foreign accent claimed they were with Costco Citi Card Fraud department, asking if I was purchasing something in Texas, XXXX. I said no, and they stated a few other charges which had supposedly been made. They requested me to verify my personal information. It seemed weird, but I submitted and gave my personal information to confirm my account. Because I confirmed my information, they changed my login and email address. They then sent an email confirming another email address, which was changed to : XXXX. They explained that the purchasers had done that, but it was really the people on the phone. 
During the conversation I looked at my mobile application and did not see any pending charges. I was wondering why I didnt see anything. On a second attempt to login, the program would not let me login. 
At the end of the conversation, he said I needed to hang up and then dial a number so that Citi text alert messages would be routed back to me. But it was actually the other way around, and they call forwarded my number. This is the number they had me input. XXXX # My husband was trying to contact me on my personal line and a man answered the phone. The man eventually stopped answering. My husband switched and contacted me on my business number so he was able to tell me what was occurring. 
That is when I realized the fraud and I called the XXXX Citi card number on the back of my card and they stated they had not called me and no purchases had been made. They cancelled my card and fix my account information. I then called XXXX to cancel the call forwarding. I also went to a store to check for any virus on the phone, which was not apparent the technician. 
Earlier in the week I also received phone calls claiming that I had to buy QB support for my subscription. But I already fell for that one a few years back and did not purchase.

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 monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I have been trying to work with them since XX/XX/XXXX. At that time I was only XXXX behind. NOW I AM ALMOST XXXX BEHIND.!!!!! I HAVE SENT DOCUMENT AFTER DOCUMENT TO THEM OVER AND OVER. THEY CALLED TODAY AND STATED THAT MY AWARD LETTER IS OUTDATED AND IT IS DATED FOR XX/XX/XXXX AND THAT THEY NEED DOCUMENTED INCOME FROM MY DAUGHTER INTO MY BANK ACCOUNT. IN ADDITION WE SENT A NOTARIZED LETTER STATING THAT MY DAUGHTER DOES NOT LIVE WITH ME BUT IF I NEED ASSISTANCE SHE WILL HELP. WE SENT XXXX PAYSTUBS AND XXXX BANK STATEMENTS FROM MY DAUGHTER. NOW THEY ARE ASKING FOR HER XXXX TAXES. WHAT DOES THAT HAVE TO DO WITH XXXX???????? YOU RECEIVED XXXX PAYSTUBS AND XXXX BANK STATEMENTS AS WELL AS HER EXPENSES SIGNED AND DATE. HERE WE ARE IN XXXX!!!!!! 8 MONTHS OF GAME PLAYING AND I AM SICK IF THIS. THIS IS WHAT THEY DO THE FARTHER I GET BEHIND I MAY NOT QUALIFY FOR ASSISTANCE. I AM SICK OF THIS GAME PLAYING. I WANT A RESOLUTION. THEY HAVE CONTINUED THIS GAME LONG ENOUGH. I AM NOT THE ONLY PERSON THEY HAVE DONE THIS TO.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I WANT TO EMPHASIZE THAT XXXX DELIBERATELY FAILS TO ANSWER THE PHONE, IT DISCONNECTS, IT DOES EVERYTHING TO AVOID RESPONDING TO OUR COMPLAINTS OF THE MISTAKE THEY MAKE. I AM TIRED O F WAITING ON HOLD TO SPEAK TO SOMEONE AND AM TIRED AND DISGUSTED THAT THESE PEOPLE NEVER MAKE THEIR DROP DOWN CHOICES PERTINENT TO THE PROBLEM. 

I TRIED CALLING THEM AS I AM FURIOUS. AND IT SEEMS THAT THESE XXXX  WILL PICK UP THE SAME XXXX UPS AS OTHER REPORTING AGENCIES ESPECIALLY TRANSUNION AND USE IT AS AN EXCUSE TO DROP MY SCORE BY MANY POINTS THERE IS XXXX XXXX XXXX XXXX XXXX INQUIRY ON MY CREDIT REPORT FOR A CAR LOAN. XXXX CREDIT UNIONS WERE APPROACHED, BUT IT WAS THE SAMEE XXXX XXXX XXXX XXXX XXXX LOAN. THE SAME XXXX LOAN TO SEE WHICH COULD HAVE A BETTER RAT E. 
THIS LAW ESPECIALLY IN FLORIDA AS YOU KNOW WAS CHANGED A WHILE AGO, THAT IF YOU HAVE AN INQUIRY ON THE SAME ITEM, A CAR LOAN AND ONLY XXXX ENTITIES MAKE THE INQUIRY ( AS XXXX IS SHOPPING AROUND FOR XXXX XXXX XXXX XXXX CAR LOAN IT IS ONLY COUNTED AS XXXX INQUIRY,. 

YES THESE XXXX HAVE XXXX INQUIRES -- XXXX FROM XXXX XXXX XXXX WHICH I WENT WITH AND ANOTHER FROM XXXX XXXX XXXX, WHICH I DID NOT EVEN PERSUE THE LOAN WITH THEM AS THEY WERE DOING THINGS THAT WERE NOT LEGAL, EXAMPLE, ASKING ME FOR A COPY OF MY DRIVER LICENSE BY EMAIL. THAT IS NOT SAFE, AND I JUMPED EVERY HOOP AND DID NOT HEAR FROM THEM AND YET THIS WAS FOR A LOAN TO BUY THE SAME XXXX CAR THE SAME XXXX CAR AND THE SAME XXXX CAR AND THESE PEOPLE XXXX WELL KNOW THAT AND YET THY WANT TO COUNT IT AS XXXX HITS. 
I AM SICK AND TIRED OF XXXX AND I WILL ALSO BE CONTACTING TRANSUNION WHICH IS MUCH EASIER TO CONTACT. IF YOU CAN DO SO I APPRECIATE THAT AS WELL. 
THIS IS NOT NOT NOT NOT THE ONLY ISSUE : THIS XXXX XXXX XXXX XXXX COMPANY THAT DOES NOT GIVE A RAT 'S XXXX ABOUT PEOPL HAS AN INACCURATE ADDRESS AND OF COURSE, YES YES YES I TRIES TO DISPUTE THAT AND SET THEM STRAIGHT, B UT THESE XXXX  AS USUAL PROVIDE A PHONE NUMB ER TO CALL THEM BECAUSE THEY SAY YOU CAN NOT DISPUTE THIS ONLINE ( HOW CONVIENT TO XXXX WE THE PEOPLE OVER ) AND I AM SO TIRED OF THIS XXXX I CALLED XXXX XXXX AND GOT CUT OFF, THEY ALWAYS CUT THE CALL, THEY ALWAYS DISCONNECT BECAUSE THESE PEOPLE ARE LIARS, THIEVES AND DO NOT CARE WHAT IS ACCURATE OR NOT. 
PLEASE SEE A SCREEN SHOT I TOOK. I ONLY LIVED ON XXXX IN XXXX XXXX. I HAVE NO XXXX IDEA WHY THEY HAVE XXXX DIFFERENT ADDRESSES FOR ME ON XXXX XXXX, XXXX, XXXX XXXX. FOR THE LOVE OF XXXX, NOBODY COULD BE THAT XXXX XXXX, TO WANT TO KEEP INACCURTE INFO ON SOMEONE, MISLEAD AND OF COURSE, OF COURSE OF COURSE THEY END UP DROPPING MY SCORE AGAIN BY XXXX POINTS AND HAVE NO EXPLANATION FOR DOING THAT XXXX AGAIN.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Over two-months ago, while applying for a home equity loan, I learned that since I had a " derogatory/no payment/charge off/written off/loss to Hyundai '' that I was unable to obtain one. This was news to me as it was handed in and paid for in XX/XX/XXXX. I called Hyundai multiple times to speak with someone but I was advised that I would have to contact the credit bureaus. I then mailed Hyundai and the credit bureaus all of Hyundai 's documents proving that the lease was given back to them at the end of the lease. It was sent to their lease inspectors, AIM, a couple days later and shortly sold to a buyer in Virginia. At this point, it should state " Paid in full '' only. This lease was handed in, in XX/XX/XXXX and it is now XX/XX/XXXX. Hyundai 's inaccuracies in reporting have put an undue hardship and stress on me for many months now.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive submitted proof of Identification card, Social Security card proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS LAW CODES .15 U.S Code 1681b, 15 U.S. Code $ 1692c

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. NAME : XXXX / ACCOUNT NUMBER : XXXX XXXX. NAME XXXX XXXX / ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-08-12 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX  AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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: 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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