vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my 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 non-monetary relief
Consumer complaint received 2024-05-30 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: MA

Complaint narrative:
XXXX XXXX XXXX ( Finance ) XX/XX/year>, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: T.S. Holdings
State: CA

Complaint narrative:
Good morning, Im reaching out due to identity theft I filled out a police report and an identity theft report. 

These accounts that is listed arent mine. Please help me correct this information. I have no connection or knowledge of the said accounts. 

Back in 2017 my identity was stolen and has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted an online dispute to Equifax as instructed by their website and phone system for a fraudulent credit inquiry. That dispute was concluded and the results they found were that the inquiry was accurate so I followed the next steps on the dispute instructions by contacting the lender who made the inquiry. Upon contacting the lender they informed me their system had a security breach and they provided me a letter confirming the inquiry was indeed fraudulent. I then submitted another dispute through the Equifax website as instructed this time with the letter from the lender attached and Equifax once again concluded the inquiry was accurate so I followed the next steps on the dispute which is to call in to their customer service. Upon reaching their customer service it was clear the individual was over seas and very difficult to understand. The representative I spoke with XXXX refused to help me with the situation and said I would just need to mail the information in. Then when I asked what's the point of the online dispute and having an account with Equifax if they require mail in disputes he responded by saying " I don't know why you made the account, that's your problem ''. I then asked to speak to the manager and XXXX stated " I don't know why you want to talk to the manager they are just going to tell you the same thing I did '' after asking XXXX more times he finally agreed to place me on a brief 2-3 minute hold for his manager. After 15 minutes his manager, XXXX, got on the line and was able to resolve my dispute in less than 5 minutes. XXXX should not be handling calls like this with users who are already in a sensitive mind frame dealing with fraud on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX has been billing me for 3 days of insurance coverage which I never purchased. I have asked them to provide proof of purchase which the have never provided nor have they ever provided a policy in my name. Now I am being threatened with legal action and adverse credit reporting by Credit Collection Services XXXX XXXX MA. I have also asked this collection company to provide proof that I was the one who purchased the insurance policy to no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
I contacted Early Warning Systems in early XX/XX/year> regarding to dispute the ( XXXX ) XXXX accounts showing in my EWS report Consumer ID # XXXX. I attached the report pages showing the ( XXXX ) XXXX accounts being reported in EWS database. EWS sent me a reply on or about XX/XX/year> which did NOT contain any information I had requested. However, I did receive a document from XXXX XXXX Client Relations -Escalations Team which I attached responding to the EWS dispute I filed and the XXXX XXXX determined that I should NOT have any of the ( XXXX ) accounts reporting in EWS database files. Therefore EWS shall need to REMOVE/DELETE all ( XXXX ) of the XXXX Accounts XXXX EWS is in multiple violations of the FCRA and must DELTETE these accounts. It has also come to my attention EWS is furnishing my XXXX information to XXXX parties which I never XXXX18 U.S. Code 1028A - Aggravated identity theft. EWS needs to retract the information from any companies it has furnished the XXXX accounts to such as GIACT. 
[ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) -No Permissible purpose 15 U.S. Code 6801 ( a ) ( b ) - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance. The civil liability and the remedies available to me under section 617 for negligence noncompliance are very clear under the law. 15 U.S. Code 1691e - Civil liability I attached my passport and utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Zions Debt Holdings
State: NJ

Complaint narrative:
A company Zion Debt Holdings has placed a negative report on my credit report for money owed to them. I have never communicated with this company nor done any business with Ziona Debt Holdings. I never received any documentation or proof from the company prior to them impacting my credit score. I dispute any money owed to them. This company has not followed the law regarding credit collection and simply put an arbitrary credit collection on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Pleasestop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my 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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX I disputed a XXXX year old collections account through Equifax , as it was beyond the legally allowable period to report to the credit bureaus. I initially received a response that the item was deleted from my credit report, so I considered the matter closed. As of todays date ( XX/XX/XXXX ) almost 2 months later, Equifax is reporting this aged out account to XXXX as well as XXXX XXXX as an open collection that is currently under dispute, despite having been investigated and deleted back in XXXX. 
This is an enormous problem for me, as we are in the process of obtaining a mortgage, and this lone collection account being reported to XXXX is suppressing my qualifying score up to XXXX points. I reached out by phone directly to XXXX who updated my credit report as of XX/XX/XXXX and confirmed that the information being reported was obtained directly from Equifax as of the same date. They advised me to contact Equifax and request that the matter be escalated, as it is not within their scope to remove any items being reported by independent bureaus. 
I immediately contacted Equifax by phone, and spoke with 3 different agents in different departments who essentially said sorry theres nothing we can do because we dont even see this account on your report. I specifically asked them to escalate the issue to have someone higher up investigate the problem and he flat out told me we cant do that. Theres nothing we can do. So now this inaccurate reporting is putting my mortgage approval in serious jeopardy, or at the very least going to leave me paying substantially higher interest due to a difference of +/- XXXX points on my XXXX score since this is the only collection appearing on my account that puts me currently at XXXX instead of +/- XXXX which would qualify for the lowest possible interest rate on my loan. Equifax seems to be content just letting this go without putting ANY effort into figuring out how/why an aged out derogatory collection account that was supposedly deleted 2 months ago is still reporting to multiple 3rd party companies as an open collection currently under dispute. This will undoubtedly result in financial harm if not remedied IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: OH

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-30 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: GA

Complaint narrative:
Since XXXX someone has been using my personal information for fraud I dont have the details but I have a victim identification number and pin from The Department of Victims

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 2024-05-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OZK

Complaint narrative:
I have my mother 's Power of Attorney for finance and this bank has this information on file. 

I went to XXXX XXXX Arkansas to close out my mother 's safe deposit box and other accounts since she no longer resides in Arkansas. 

I discovered a CD in her safe deposit box. The CD was opened in XXXX. The bank name at that time was XXXXXXXX XXXX In XXXX, the XXXXXXXX XXXX  merged with Bank OZK. I requested info if this CD was cashed out. The bank manager looked into their system and was able to locate a copy of the original CD. When asked if this CD was cased, the manager said she could not locate any information regarding that but stated she assumed it had been cashed. The bank manager would not call anyone to assist in finding this information. Not sure how a bank manager can make a statement about assuming a CD as cashed out. I was unable to get any further information while at the bank. 

Upon returning home, I emailed the customer service dept regarding the concern and requested someone to call. I never received a call. 

I did call the customer service dept and that person stated she was unable to retrieve any documents and said there was nothing she could do. I requested to speak with someone who could assist or the bank 's auditor. The person on the phone said she was unable to assist with that. 

I did call the FDIC who gave this website to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed that there is an inaccurate bankruptcy reporting on my consumer reports with XXXX, Experian and XXXX. I disputed the bankrupcty with all XXXX consumer reporting agencies and XXXX deleted it because it was unverifiable. Since XXXX and Experian continued to report this inaccurate bankruptcy, I decided to reach out to the bankruptcy court to see if they were verifiying the inaccurate data and how were they verifying it. They responded with a letter stating that they do not report to the consumer reporting agencies or verify any information with the consumer reporting agency. 
This really didnt make any sense to me since Experian and XXXX stated that the bankrupcty court verified the information as correct. It is a violation of the FCRA to report unverifiable and information on a consumer report. Each consumer reporting agency is reporting a different reference number and a different court. XXXX was unable to verify this information so how was Experian and XXXX? This inaccurate reporting has caused tremendous damage to my consumer reports and my life so I am demanding this unverifiable bankruptcy to be deleted from my consumer reports immediately.

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 2024-05-30 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: CA

Complaint narrative:
there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date 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 non-monetary relief
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-30 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-30 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable XXXX. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
I checked my credit today and found a derogatory collection on my XXXX  account showing a balance owed of {$160.00}. 

I called the collection agency about the alleged debt which they did not provide.

Stating they have no information that matches me to the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
Upon checking my credit on XX/XX/XXXX, I noticed there were some hard inquiries that were listed that do not have permissible purpose. According to The Fair Credit Reporting Act Article 15 USC 1681 B 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