vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Saks Fifth Ave is saying i tried opening a credit card with them and made a hard inquiry on my credit. It was not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Neither myself nor mortgage lenders are able to access my EQUIFAX report. They are stating inconsistencies with my address as the reason. I live in an apartment complex that does not have mail service. Because of this, I receive my mail at a po box . I have contacted the company on 5 separate occasions spanning 4 months and each time I have received a different response. I have submitted the requested documents to verify identity and address but am still unable to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Dear CFPB : On XX/XX/2022 I filed a formal Complaint with HUD in connection with a XXXX XXXX, XXXX  state court litigation where I discovered XXXX XXXX  and their loan servicer Nationstar concealed evidence between XXXX, including Texas Constitution documents and infirmities with my loan which according to Texas Supreme Court XXXXuthority , rendered my loan void, invalid and foreclosure ineligible at origination. 

More importantly, the HUD Settlement Statement provided undisputed evidence I was illegally charged closing costs in excess of Texas Constitution 3 % of principle limits. As a XXXX minority, I was required to pay more than {$10000.00} for closing costs on a home equity loan when I should have paid no more than {$2800.00}. The {$10000.00} closing costs included my agreement with the lender to make exterior repairs approved by the lender to obtain the loan. 

I also filed a complaint with the State of Texas Auditor to place them on notice that state courts are using state funds to render opinions in violation of the Texas Constitution. 

During previous litigations where I incurred attorney fees of close to {$200000.00}, XXXX XXXX and their loan servicer Nationstar concealed the infirmities with my home equity loan which they knew that pursuant to the Texas Constitution, was invalid, void and foreclosure ineligible at origination. 

In the current litigation, XXXX XXXX  and Nationstar defended their illegal acts to charge excessive loan closing costs on Texas Home Equity loans and refused in writing, to comply with Texas Constitution cure provisions to correct the loan infirmities. 

I recently filed at the Fourth Court of Appeals, an Amended Motion For Rehearing and Rehearing XXXX XXXX to correct the egregious errors with the Court Opinion that conflict with the Texas Constitution. 

I am attaching my HUD Complaint letter and exhibits attached to support my allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: MO

Complaint narrative:
I am in the process of fixing my credit from fraudulent transactions. I spoke to XXXX XXXX at RISE Credit and disputed a charge off of a debt that went to a collection agency without my knowledge. After checking XXXX XXXX and XXXX I noticed that a loan had negatively impacted my credit. That is what sparked the initiative to ask and resolve the issues surrounding this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: MO

Complaint narrative:
LoanCare Attn : Credit Bureau XXXX XXXX XXXX XXXX  XXXX, VA XXXX Tuesday, XX/XX/XXXX To Whom It May Concern, This letter serves as a request to have the missed mortgage payment note/line removed from our credit report. In XXXX of XXXX and again in XXXX of XXXX, our bank account balance did not exceed the scheduled mortgage payment amount and the payment ( Im unsure which one got flagged ) was missed. We are in the process of catching up on this and as of Friday, XX/XX/XXXX, the account will be caught up. 

The way our Credit Union displays transactions, I was unaware that there were any issues in XXXX and XXXX, as all four payments showed up as - {$1000.00} on my bank statements. What we didnt realize is that those actually didnt come out of the account. 

As our records show, since we bought our first home in XXXX of XXXX, we have never missed a mortgage payment. This is a hiccup in the process. Additionally, LoanCare payments that we schedule on Fridays ( payday ) are being pulled 5+ days later from our credit union. For a family living paycheck to paycheck as to pay down debt, this makes budgeting very tricky. Were hoping this is an issue we do not encounter in the future and look forward to a speedy resolution. 

Please do not hesitate to reach out with any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2022, Paypal deceptively processed an application and issued a {$3000.00} line of credit for my account. 

This incident occurred while I was attempting to log in to my account on mobile to look something up. On login to the portal, I was immediately presented with a prompt to verify some of my personal information. This appeared at a quick glance to be a compliance related verification prompt, and since I was in a hurry, I did not read the rest of the screen closely. I accidentally continued through the next screen while I was trying to figure out what I was looking at, and then noticed that PayPal was processing a credit application. There was a link on screen to cancel this application, but it was already too late by the time I tried to tap it. The following screen notified me that I had been approved for the credit line and took me to my account.

I have contacted PayPal to close the account immediately, and I am requesting that all inquiries be removed from my report. I am assuming that I will also have to contest these inquiries through all of my individual credit reports.

Regardless of the outcome, I believe that PayPal 's deceptive and predatory lending practices should be investigated. It should not be possible to accidentally apply for a loan this easily, especially when I never even expressed intent or attempted to initiate the process. PayPal is clearly relying on what is called dark UX ( user experience ) patterns, by mixing these links in forms into an essential workflow ( login ).

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: GA

Complaint narrative:
XXXX has medical information that has been sent to a third party vender FINANCIAL DATA SYSTEM thats has been listed on my credit report since XXXX When I try to dispute it XXXX will drop my credit report almost 60 points instead of trying to fix the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate account listed below is still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX Balance : {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I'm not sure what dates I should include but it started last month either XXXX or XXXX when I missed one payment with them. The amount was for {$35.00} dollars. I've already filled out the summons questionnaire paperwork that had to be turn into them within the 30 days. I faxed it in the very next day in that same week I received their summons paperwork. In the summons paperwork there was a question about how much I was willing to settle and I answered back to them {$1300.00} to pay them off completely but they are still harassing me by repeated phone calls. Please say that you can help me. I am trying to work with them. Thank you so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in according to the fair credit act XXXX accounts 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights.15 usc 1681 section A states i hava a rights to privacy.Also 15 usc 601 section 604 section A 2 it also states a concomer reporter agency can not furnish a account without my written instruction

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