vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: SC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
For the last year and a half, this company has been calling me asking for a woman who I do not know. Ive told them every time they call that that person is not at this number and to stop calling me. They continue to contact me. Now they call me and do not tell me who theyre looking for but attempt to extort private information from me. ( My name, address, etc. ) Ive told them multiple times that I do not owe any debt and if its the same person they are calling for, they have the wrong number. They continue to harass me after Ive told them that is not me and when Ive asked them to stop calling me. XXXX considering filing a police report because they keep harassing me with phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Debt reports as collection on my credit report. I submitted a request for debt valiation of this debt that is owed. Per the Fair Credit Reporting Act 15 USC 1681, and the Fair Debt Collections Practices Act 15 USC 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-10-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 non-monetary relief
Consumer complaint received 2024-10-13 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:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NM

Complaint narrative:
I am writing to formally address the recent communications I have received from Credence regarding an alleged debt associated with XXXX XXXXTo clarify, I have never had a phone or phone service with XXXX XXXX. My only association with XXXX was for home Internet services. I noticed that XXXX was making unauthorized charges to my account, taking out more than what I had expected. After investigation, I discovered that I was being charged for a phone and service that I never received or used. I have never seen a bill about this phone. 

Three or four times within the last year I went to the XXXX store to resolve the error, where, after hours of investigation, they offered me an apology and provide me with a refund. This led me to believe that the matter was settled. Ive also received a {$98.00} credit from XXXX. How can you send me to collections and give money at the same time? This makes no sense. 

Subsequently, I switched my XXXX service from XXXX XXXX XXXX to XXXX , which was entirely independent of XXXX XXXX. Additionally, I began using T-Mobile home Internet, which rendered my use of XXXX XXXX unnecessary. I paid my final bill with XXXX and with that, my account was closed. any correspondence I may have received from XXXX  XXXX  would have been over email, and I dont check email from companies with whom I no longer have a relationship. 

When I began receiving phone calls from a company called Credence, I did not answer. They did not leave a message. Several months later I get a letter out of the blue, telling me that youve sent me to collections, and I owe XXXX over {$300.00} for a phone that I know nothing about. 

I called XXXX to ask for the bill. They claimed they had never sent a bill in the mail, but had sent one through email. When I went to check the email to see this alleged bill, I was informed that I could not access any billing information because I was not listed as a customer. 

This situation has caused me significant distress, particularly as I am in the process of starting a business, and my credit rating has been negatively impacted by this issue. It is deeply concerning to me that a bill could be forwarded to collections without proper notification or accessibility to the account information, making it impossible for me to address the issue adequately. I also dont understand the logic behind reporting me to collections, while sending me a refund of {$98.00}. 

I kindly request that you review this matter and remove any negative reporting related to this alleged debt from my ( otherwise stellar ) credit report. 

When last I spoke with someone from Credence, they told me they would be in touch as soon as the situation had been researched, but I still havent heard anything and my credit report is still lower. 

I hope to resolve this as soon as possible, as it has affected my ability to conduct business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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 consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Address shown is wrong I have never resided in 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 2024-10-13 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
My identity was stolen. This company has harassed me for years and I sent in proof of identity theft police report and they filed for judgment and won default. I do not owe the dept to the creditor or at all in fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my XXXX XXXX and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
So, we continue down the XXXX XXXX with PHH Mortgage XXXX Early in the week of XX/XX/XXXX I received a letter from PHH Mortgage. I've attached it as XXXX. It references a " lender-placed insurance confirmation of cancelation '' and provides a " certificate number '' XXXX. I have no idea what this " certificate number '' means. I have no documentation with that number. The letter also maintains that I had a " lapse '' in coverage between XX/XX/XXXX and XX/XX/XXXX and that I will be charged {$910.00} if I can't provide proof of coverage for that time period. I've explained repeatedly that there was no " lapse. '' I simply was unaware that it was required. I've also explained repeatedly that I am unable to obtain retroactive policies. No normal consumer can. And I understand that I'll have to pay the {$910.00} as well as the retroactive policy the company purchased for the period XXXX for {$7400.00}. While it's true that, according to my closing documents with another company, I was required to have windstorm coverage, neither I nor PHH Mortgage caught the error. And they're assessing me the blame. Ok, there's nothing I can do about it. 
On Friday, XX/XX/XXXX I received yet another letter. It is dated XX/XX/XXXX. It is attached as XXXX. It states that PHH purchased a windstorm policy to cover the " lapse '' period of XXXX. But the policy clearly spans the time frame XXXX and costs {$7900.00}. The certificate number is the same as what was referenced in the first letter described above. Also interesting is the issue date on the policy is XX/XX/XXXX. I have clearly had windstorm coverage and have provided that information since XX/XX/XXXX. 
I have no idea what I'm expected to do. I have no confidence that PHH has any idea what they're doing. Is anyone going to be held accountable for this massive screw-up? I have my doubts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
In accordance with the fair credit act, this creditor XXXX  Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
In accordance with the fair credit act, this creditor XXXX  Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.

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 2024-10-13 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: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XX/XX/XXXXXXXX

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 2024-10-13 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: FL

Complaint narrative:
see attached for full complaint. 

Dear CFCB Team, I am writing to request your immediate assistance in correcting inaccurate payment history reported on my credit file. Despite multiple attempts to address this issue, the inaccuracies persist, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

The inaccurate information pertains to XXXX XXXX Account # XXXX where payments have been misreported. I have enclosed documentation to support my claim, including credit report showing the inaccurate reporting Under the FCRA, I am entitled to a fair and accurate credit report. You are required to conduct a thorough investigation into this matter and rectify the inaccuracies as mandated by law. Please confirm the correction in writing as outlined in Section 1681i ( a ) ( 6 ).

Thank you for your prompt attention to this serious issue. I look forward to your swift response. 

Sincerely, XXXX XXXX [ Enclosures : Supporting Documentation ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.. An FTC report has been made months ago, I will attach it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: DISCOVER BANK
State: CA

Complaint narrative:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.. An FTC report has been made months ago, I will attach it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-13 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: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation