vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Need these unauthorized inquires on my credit report need them deleted and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been reaching out XXXX, XXXX and Transunion since XXXX to try and fix fraudulent accounts in my credit report. I have bought services and on multiple occasions I have tried disputing these fraudulent accounts online and over the phone. I have also mailed letters to addresses they provide online and the phone. The last dispute was filled on XX/XX/XXXX, and the incorrect information is still showing even after years of disputing the information. I have provided identity theft reports and all documents the have requested and nothing has been done.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this personal statement to formally request the placement of a fraud alert on my credit report. Understanding the potential risks of identity theft and fraudulent activities, I am taking proactive measures to safeguard my financial well-being.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
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  UNAUTHORIZED CREDIT PULLS

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 2023-08-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Longbridge Financial, LLC
State: FL

Complaint narrative:
Hurriane Ian damage, our insurance carrier issued a check in both the homeowner and Mortage company, which was not a problem, however we can not get our funds form the reverse mortgage company, they have a contracting service called XXXX XXXX XXXX is administer claims like this. They will not release the funs after 10 months. We can not complete the repairs, we lived with mold in our house for 8 months, had mold migration .and now waiting for XXXX to schedule the work Now they say we defaulted, because they said we did not pay the taxes for XXXX, which we did, and we are getting the documentation from our bank to resolve this issue. Property tax is a matter of public record which anyone can check. We do not have the funds to pay for repairs, we used all of our savings right after the Hurricane for immediate. 
.needs. Between the nasty letters, leaving messages at our doorstep and countless hours

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AIH Receivables Management Inc.
State: MO

Complaint narrative:
I have been receiving phone calls at any time of the day while at work or at home for a medical debt that is for someone else with the same name as mine. We are now up to about 6 or 8 phone calls where I have notified them that this is not my account, not my middle name, not my ssn, and not my debt. On every call, I asked them to take my information out of the file for this account. Every call they have told me they are not the one I spoke with last call so they had no idea. Every call I have asked them to document that they are calling the wrong person and they said they would do that. This company clearly has not done that which has resulted in ruining my attitude at work and is affecting my productivity. This is harassment, which I have notified them that I would be issuing a complaint about. This company is AIH Receivables : Medical Debt Collection XXXX XXXX  Kansas. XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Apparently instead of looking at what I provide through the cfpb especially this cfpb # XXXX. Failed to actually do a proper investigation into this matter since 2010. All that has been provided is falsified statements and falsified documents from your company since 2010. And the aquasition and sale of the property was done with the same. 
So actually investigate this issue by looking at the documents I have provided through the cfpb period and quit sending me all the falsified signed documents and statements you have given me time and time again.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I find the Consumer Finacial Protection Bureau Complaint Number XXXX response from Ford Credit rude , suggestive, derogatory and favorable to their affiliate XXXX XXXXXXXX XXXX  with admitting of participation in illegal activity. If there is something I have done, I think everybody should bring it out in the open. 
Here is the complaint revised. On XXXX XXXX XXXX I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I was never given a form to sign stating who I am applying for a car loan with. I was though given a piece of paper to sign labeled XXXX stating that XXXX XXXX XXXX XXXX is helping the government to fight terrorism and I would need to show my diver license to identify myself. Remember I was only shown document labeled XXXX and I will solemnly swear under oath and with a lie detector to that fact. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan likening. I finally got up and headed home. When I returned home, I seen that there were seven banks on my XXXX account that said I applied for credit with them. XXXX XXXX XXXX XXXX was the only place I visited on XXXX. I also see that XXXX XXXX XXXX XXXX a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a credit score so that the car dealer can make a loan offer. So why the other seven bank loan applications that I was not informed of by paper or word of mouth. I know with my experience in going into car dealerships that the car dealership has the consumer sign every piece of paper shown to the consumer to prove that every piece of paper was shown. Can Ford Credit provide the only legal way of giving permission for this credit application of a signature on that letteral page/paper?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion XX/XX/23 This letter is in response to your claim XXXX XXXX XXXX has verified that the account that they are reporting is accurate. 

Please be advised that I have sent in a letter requesting a method of verification. Transunion has not responded. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This constitutes a violation under the provisions of 15 U.S. Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. A written notice about the account was not furnished prior to its reporting. Consequently, I request the removal of this account from my credit report, as I dispute the validity of the claimed debt. Furthermore, this action appears to contravene my rights as stipulated in 15 U.S. Code 1681b ( 2 ), which defines permissible purposes for consumer reports. The account was reported without my consent and my social security information appears to have been misused. Given that I am a victim of identity theft, it is important to note that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. According to 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. It is evident, however, that my privacy rights as a consumer have been infringed upon, as the information was publicly reported without my authorization. I hereby demand the immediate removal of this account 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This constitutes a violation under the provisions of 15 U.S. Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. A written notice about the account was not furnished prior to its reporting. Consequently, I request the removal of this account from my credit report, as I dispute the validity of the claimed debt. Furthermore, this action appears to contravene my rights as stipulated in 15 U.S. Code 1681b ( 2 ), which defines permissible purposes for consumer reports. The account was reported without my consent and my social security information appears to have been misused. Given that I am a victim of identity theft, it is important to note that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. According to 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. It is evident, however, that my privacy rights as a consumer have been infringed upon, as the information was publicly reported without my authorization. I hereby demand the immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 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 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

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