vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: NJ

Complaint narrative:
I am a victim of multiple data breaches and would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

Also, I never lived at the address associated with this account.

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else.

As a Credit Reporting Agency, You should be well aware of the fact that information in those reports would definitely be wrong when Identity Theft has occurred. Clearly, my identity has been stolen all across the board. My information has been completely compromised therefore, Verification from PUBLIC & PRIVATE SOURCES including any information regarding me, is not credible and it definitely would not hold any credibility in LITIGATION.

I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place.

I have submitted fraud reports and disputes for this account. I am demanding this account to be removed in 4 days, disputed, and thoroughly investigated because I did not open these accounts. By law, this account must be removed especially because I am a Victim of A DATA BREACH! This account needs to be removed immediately, within 4 business days. We go by the law. I as a consumer have my legal rights.

If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. Please remove this illegal account, Thank you for your time and help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX apt XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim.

Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, 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 2024-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am filing this complaint due to an inaccurate debt reported on my credit file by NATIONAL CREDIT SYSTEMS, which claims I owe a balance from an apartment lease. This debt does not belong to me, and I have disputed it with the collection agency. Despite this, they continue to report it on my credit report without providing legally sufficient validation.

The collection agency initially provided an electronic signing transcript as validation, but it does not include a verifiable signature tying me to the debt. This transcript is merely metadata showing signing activity and lacks any authentic, legally binding evidence of my agreement to the lease. Since I did not sign this lease, I have a valid basis for an identity theft claim.

In response to my dispute, I requested : Immediate removal of the account from my credit report due to insufficient validation and lack of a verifiable signature.

Proof of authorization from the original creditor allowing the collection agency to collect and report this debt. 
Despite these requests, the collection agency has failed to comply, resulting in an unwarranted negative impact on my credit score. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) requirements to provide legitimate validation and cease collection activity when an account can not be authenticated.

( SEE ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-10-31 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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-10-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint due to Equifax 's failure to properly reinvestigate and verify information associated with the XXXX account. Equifax has shown inadequate compliance with Section 611 of the Fair Credit Reporting Act ( FCRA ), affecting my credit profile negatively through significant errors and unverified information. This failure to accurately report has led to multiple discrepancies, as detailed below : Account Number : Multiple variations reported, indicating inaccuracy. 
Date Opened : Inconsistent dates reported.

High Credit : Discrepancies in reported high credit amounts.

Credit Limit : Incorrect credit limit data.

Payment Status : Conflicting information on days reported late.

Last Reported Date : Inconsistent dates reported.

Date Last Active : Mismatched reporting.

Date of Last Payment : Variations in the reported dates.

These inconsistencies are violations of my rights under FCRA, and Equifax has failed to respond adequately to my request for a reinvestigation. I am legally entitled to receive a thorough description of the verification procedures employed, as well as the names, addresses, and phone numbers of any parties contacted in the verification process.

Specific Requests I demand that Equifax immediately provide : A full, detailed description of the procedures used to verify this accounts accuracy within 15 days of completing the reinvestigation, as mandated by Section 611 of the FCRA.

The name, address, and telephone number of each person contacted regarding this account, as stipulated in Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature proving a legal obligation for the exact amount claimed, in accordance with Section 609 ( a ) ( 1 ) of the FCRA.

7. Final Warning Any automated response or verification conducted solely through XXXX  will be unacceptable. If Equifax continues to evade my rights and fails to provide a satisfactory response within 30 days, I will pursue additional legal actions. Equifax is reminded that, as established in XXXX XXXX XXXX XXXX XXXX, they may be held liable for any willful non-compliance with the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint due to Equifax 's failure to properly reinvestigate and verify information associated with the XXXX  account. Equifax has shown inadequate compliance with Section 611 of the Fair Credit Reporting Act ( FCRA ), affecting my credit profile negatively through significant errors and unverified information. This failure to accurately report has led to multiple discrepancies, as detailed below : Account Number : Multiple variations reported, indicating inaccuracy.

Date Opened : Inconsistent dates reported.

High Credit : Discrepancies in reported high credit
amounts.

Credit Limit : Incorrect credit limit data.

Payment Status : Conflicting information on days reported late.

Last Reported Date : Inconsistent dates reported.

Date Last Active : Mismatched reporting.

Date of Last Payment : Variations in the reported dates.

These inconsistencies are violations of my rights under FCRA, and Equifax has failed to respond adequately to my request for a reinvestigation. I am legally entitled to receive a thorough description of the verification procedures employed, as well as the names, addresses, and phone numbers of any parties contacted in the verification process.

Specific Requests I demand that Equifax immediately provide : A full, detailed description of the procedures used to verify this accounts accuracy within 15 days of completing the reinvestigation, as mandated by Section 611 of the FCRA.

The name, address, and telephone number of each person contacted regarding this account, as stipulated in Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature proving a legal obligation for the exact amount claimed, in accordance with Section 609 ( a ) ( 1 ) of the FCRA.

7. Final Warning Any automated response or verification conducted solely through E-OSCAR will be unacceptable. If Equifax continues to evade my rights and fails to provide a satisfactory response within 30 days, I will pursue additional legal actions. Equifax is reminded that, as established in XXXX XXXX XXXX XXXX XXXX, they may be held liable for any willful non-compliance with the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-11-01 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I didn't receive points for using my Chase card for phone service. The company advertised and describes the points category on the bill as " internet, cable, phone, office supply ''. I purchased phone service from XXXX, a XXXX XXXX XXXX XXXX XXXX, with this card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and my statement didn't reflect points for these spends. I chatted with the Chase card representative after I received my XXXX statement to inquire why I didn't receive points for phone service. I was told that the transactions or charges weren't " coded '' as telecommunication, they were " coded '' as " software '', so they didn't fall under the redemption category for telecommunication service. The Chase card representative said that this was a " coding error '' and there was nothing he could do to fix the error, he said the fault lies with XXXX. I spoke with XXXX and they said they aren't responsible for credit card transaction details like that. The XXXX  representative told me that the fault lies with the credit card company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed 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 XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} 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 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 2024-11-01 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:
XXXX XXXX XXXX XXXX XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed 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 XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} 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 2024-11-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: 21ST MORTGAGE CORP.
State: AZ

Complaint narrative:
I applied in XX/XX/year> and received a preliminary acceptance. Unfortunately I had difficulty with XXXXXXXX XXXX  that required XXXX XXXX and missed the first deadline. I resubmitted in XXXX but ran into a roadblock concerning assessment of my land. Per the information they sent if they were not satisfied they would arrange an assessment at my expense which they never set up. After numerous phone calls were not returned except as email with same instructions I finally spoke to someone at the company who informed me I had again timed out the day before and would have to start again. Since it was not 90 days from my second submission I felt they were not cooperating with me and submitted a request to another company. That company told the seller that they Had not received the request and anyway this lender wouldnt generally grant it for anyone over XXXX. At that point I was stymied since I am XXXX and my spouse is XXXX. She works and I am on a XXXX pension. Our manufactured home was ready for delivery this XXXX  and the builder was available. We have 10 acres of land that we own outright. During this time our county has added regulations that will cost us another {$12000.00}.

Company response to consumer: Closed with explanation