vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: TN

Complaint narrative:
On XX/XX/year>, I reached out to Experian, via dispute center, notifying them of a fraudulent account, that posted to my credit report. After their investigation the account in the of {$1900.00} was not removed. I then reached out to XXXX, of an error posted to my account and after review, the rep came back to phone and stated that she apologized for the incident and that it would be removed on their end. I waited for weeks and received nothing from XXXX, in writing stating that the account had been removed. I then filed another complaint with Experian asking for the documents used in their investigation. Experian, had the consumer mail me documents used. The documents used, do not have my signature on them. The signature on documents are those of a male, living in XXXX TX. I submitted once again, a dispute with Experian, this time attaching the documents, that clearly were not signed by myself, but by someone with a different name, living in XXXX. Experian returned the investigation after 30 days with no changed results. I have been trying to get this issue handled for years now. The creditor deletes the item and places it back onto my report every year, although they clearly have documents showing someone else 's signature from XXXX TX. I have now been blocked from disputing the 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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reviewed my account and found some fraudulent and inaccurate information. It seems that I am a victim of identity theft. I am a senior. I don't how these things got on my reports. I request the removal of the following fraudulent accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/year>. 

I already sent my FTC report but I was told that it was invalid even though I processed the documents through http : XXXX as they have suggested. I also called FTC to ask for their guidance and they said that there is no issue with the document. Equifax is also the only credit bureau that reports this late payment. It is not in XXXX and XXXX. 

Please help me resolve this issue. I am resending the FTC report from http : XXXX along with my driver 's license, social security card, and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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:
Credit inquiries have been done under my name which I do not recognize, I only apply for applications physically and these inquiries seem to have been done online. I never gave these companies permission to pull up my credit report and it is extremely distressing that this happened, it's impacting my life and my credit negatively for I don't know what they could have done with it or use it for.

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 2024-07-16 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: MN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My name is XXXX XXXX XXXX and I have tried filing a complaint about these FRAUDULENT ACCOUNTS being reported on my consumer report. It is a violation of the FCRA. And I demand the deletion of all accounts mentioned IMMEDIATELY. This is not a third party filing the complaint. I am a real person. A CONSUMER to mention. And my CONSUMER rights are being VIOLATED.

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 2024-07-16 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: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-16 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: CT

Complaint narrative:
I am writing to formally lodge a XXXX concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-07-16 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: CT

Complaint narrative:
I am writing to formally lodge a XXXX concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-07-16 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: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: MN

Complaint narrative:
15 U.S, Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I made an online bill pay in the amount of {$900.00} to XXXX XXXX using the Credit Karma app. The funds have been taken out of my account but XXXX XXXX informed me that they did not receive this particular payment. I contacted credit karma on XX/XX/XXXX and asked why XXXX XXXX did not receive my {$900.00} payment. I was informed by the credit karma representative that they sent the payment to XXXX XXXX. On XX/XX/XXXX I called credit karma again regarding this payment. I told them that XXXX XXXX wants me to get an electronic transmittal form from credit karma so that they can investigate why they have not receive my {$900.00} payment. I was informed by the representative I spoke to that credit karma does not issue or have such form ; they can only provide me a bank statement. I reminded the representative that XXXX XXXX will not accept a bank statement. Knowing I wont get the form I requested I asked to dispute the payment. On XX/XX/XXXX I called credit karma once again regarding the same issue. After getting tossed around four departments, I was told that I didnt file a dispute, then you did but its closed because you didnt send us the documents we requested. I informed the representative that she was wrong, provided her with my case/dispute number and pulled up the email I received from credit karma regarding my dispute and read it to her. I also informed her that I replied to the mail and attached a pic of my state issued id ( front and back ) and a picture of my debit card. She said she can see my reply but there is no document. So I asked her to provide me with the phone number of their corporate department and she said they dont have one. I asked for this number to speak to someone else who can maybe be help me with my case or escalate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XX/XX/year>, balance was paid in full and account closure requested. Interest on purchases ( no purchases made ) and late fees for said interest charged to account. Many online and phone requests to stop all activity on this account made yet interest persists.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-16 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: LA

Complaint narrative:
I am submitting this complaint to address the failure of the credit reporting agencies XXXX, Equifax, and XXXX to remove a fraudulent account from my credit report, despite providing substantial evidence of identity theft. 

Background : Fraudulent Account Information : Account Holder : XXXX XXXX Fraudulent Account : XXXX  XXXX XXXX, Account Number : XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Total Fraudulent Amount : {$2500.00} FTC Report Number : XXXX Dispute History : I have been disputing the aforementioned XXXX  XXXX XXXX account on my credit report for several years. 
XXXX has consistently refused to remove a fraudulent address ( XXXX XXXX XXXX XXXX ), claiming it is associated with the disputed XXXX  XXXX XXXX account. 
Explanation and Discovery : Upon investigating the fraudulent account and associated address, I made the following critical discovery : The address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX is linked to a company named Consumer Direct. I have never resided at, visited, or had any dealings with this address or the company. 
The association of this address with my XXXX  XXXX XXXX account clearly indicates fraudulent activity. It suggests that someone within or connected to XXXX XXXX has been using my personal information to open fraudulent accounts. 
This discovery was crucial in understanding the scope of the identity theft. It reveals a potential organized effort to use stolen identities for fraudulent financial activities, which may involve multiple individuals or entities with access to sensitive information. 
Evidence Provided : FTC Identity Theft Report : I have submitted an official identity theft report to the Federal Trade Commission ( FTC ), detailing the fraudulent activity. 
XXXX XXXX : A screenshot from XXXX demonstrates the fraudulent address association with XXXX  XXXX XXXX. 
Requested Action : I request the removal of the fraudulent XXXX  XXXX XXXX account and the associated address from my credit reports with XXXX, Equifax, and XXXX. 
Despite my repeated requests and the provision of supporting documentation, the credit agencies have failed to take appropriate action. 

Conclusion : This is a critical matter that has significantly impacted my credit standing. The discovery of the link to XXXX XXXX underscores the severity and complexity of the identity theft. 

Supporting Documents : A copy of my FTC Identity Theft Report A screenshot from XXXX showing the fraudulent address association Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
Given USAA 's denial of attempting to repossess my vehicle while under the bankruptcy stay, I am questioning the legitimacy of my loan and any business relationship with USAA. If USAA is not acknowledging their breach of bankruptcy law, I can not acknowledge the validity of this loan or any claims they make regarding my account. 
As a result, I wish to dispute the loan and any associated negative remarks on my credit history. If USAA can not validate the loan or the actions taken regarding the repossession, these entries should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
Freedom Mortgage company has been giving me shortages every year and this year it's 3 times the normal shortage not because of insurance or taxes and the escrow payment is only going up {$190.00} yet they say I'm short {$1800.00} this year. How is this possible when a escrow account is in place for this exact purpose to stop large payments. They keep saying the same thing and don't care to explain the numbers as they do not match my records. The escrow payment monthly is going up {$16.00} and yet I'm short {$1800.00} isn't that the same reason I got this short? Isn't it their job to prevent these large amounts? Please help as I can't afford this hike, who can?!

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 2024-07-16 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: OH

Complaint narrative:
I looked at my report back on XXXX XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
My XXXX XXXX XXXX XXXX was not working properly. XXXX sent me a new set of equipment to fix the issue when they shouldnt have. I ended up canceling the service because the Technician that came to my house said there is no way to fix the issues in my location. When the XXXX came to my house he took both sets of equipment with him ( the one that was already installed and the new one that XXXX sent by accident ). XXXX is stating they never received the equipment back that they sent by accident when their Technician is the one who picked it up from my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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 Found a number of Personal information mistakes on my credit report, and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.

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 2024-07-16 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: CA

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.

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