vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX : XXXX To Whom It May Concern, I am writing to formally address the unauthorized reporting of fraudulent accounts on my consumer report due to identity theft. Your failure to properly verify and correct this information is in violation of the legal requirements set forth by federal law. 
Violation of 15 USC 1681b ( c ) Furnishing Reports in Connection with Unauthorized Credit or Insurance Transactions According to this statute, a consumer reporting agency is prohibited from disclosing records of inquiries related to transactions not initiated by the consumer, unless explicitly exempted by law.

Immediate Action Required : The following fraudulent inquiries, stemming from identity theft, were not initiated by me and must be removed without delay : Inquiry : Identity Theft and Federal Law Compliance Under 18 U.S.C. 1028A ( Aggravated Identity Theft ), using another person 's identifying information without lawful authority during a felony constitutes a severe offense, punishable by imprisonment. The existence of unauthorized accounts on my credit report constitutes clear evidence of identity misuse.

Permissible Purposes of Consumer Reports Under 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies may only provide consumer reports with written consent from the consumer. This standard has not been met in my case.

Ensuring Fairness and Accuracy As per 15 USC 1681 ( Fair Credit Reporting Act ), consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. 
List of Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S. Code 1681c2 Block of Fraudulent Information I demand that, as stipulated by law, you block the reporting of the fraudulent information in question within 4 business days of receiving this correspondence and the attached supporting documentation.

Enclosed Supporting Documents : Copy of government-issued ID Proof of address ( utility bill ) Copy of Social Security Card Official FTC Identity Theft Report Updated Report Request I request an updated copy of my corrected consumer file, as entitled under 15 USC 1681c-1 ( 2 ), which provides consumers access to free reports when fraud alerts are involved.

CC : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX Attorney Generals Office ( State of Pennsylvania and respective state of each bureau ) Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Copy of ID Utility bill Copy of Social Security Card FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Personal Information : Employers 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
US1681 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency If- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and USC 1681 ( li ) the information is, in fact, inaccurate.

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below are the listed accounts that are not accurate and needs to be removed immediately per law : 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
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
US1681 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency If- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and USC 1681 ( li ) the information is, in fact, inaccurate.

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below are the listed accounts that are not accurate and needs to be removed immediately per law : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: Experian Information Solutions 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 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
In early XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, a debt collector, seeking to collect a debt from a PayPal account they claimed to be mine. The debt amount was significant ( {$60000.00} ). I have not made any significant PayPal transactions in years, so I first verified that there was no corresponding fraudulent activity on my PayPal account. I keep my credit reports frozen but still checked to see if any accounts had been opened with my information recently, but there have not been. I then returned the letter indicating that I wanted to dispute the debt because it's not mine, and asked them to send me the name and address of the original creditor. Then, XXXX XXXX responded with a letter dated XX/XX/XXXX, claiming to include documentation about my account. The letter enclosed a document from PayPal , Inc. showing an account with my name, created on XX/XX/XXXX, but with an email address that I do not recognize or own. The disputed transactions involved another email address that I do not recognize, but have no additional explanatory information. I need guidance on whether I need to pursue a criminal fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: E MORTGAGE MANAGEMENT, LLC
State: FL

Complaint narrative:
XXXX loan application was processed with EMM Loans LLC XXXX I spoke to XXXX XXXX. He advised rate was XXXX with XXXX points. Did tell me hed lock either the next day in the morning or the day after as he was expecting rates to drop. I asked him 2x if theres a risk of an increase, he said absolutely no. Loan process continued. Original loan disclosure has rate at XXXX with no fees to buy the rate. 

Multiple people from EMM Loans reached out asking for information, at times 3x for the same information.

It was disclosed from day 1 that I would be closing from Florida while my husband would physically be in Texas, where the property is located. 

Loan was scheduled to close on XX/XX/XXXX. On evening of XX/XX/XXXX after becoming increasingly alarmed that I could not get a hold of XXXX, I reached out to VP XXXX XXXX via text. He responded that it was after hours on a Friday and hed look into it on Monday or over weekend. Later sent text that we were closing on XX/XX/XXXX as scheduled. 

On Monday XX/XX/XXXX, received a call from yet another person, XXXX XXXX. He indicated that I would not be able to close remote and would need to give my husband POA to close on my behalf. I refused, he then suggested that my husband give me POA to close in Florida. I indicated Id check with my husband and he was going to confirm that could be done and work on getting POA drafted. Did not hear back. 
On XX/XX/XXXX, I received the 3 day notice of disclosure. There I learned that I would have to buy down the rate to get 5.5 % and that my loan rate was never locked. The lock document says XX/XX/XXXX. 

I asked for a call. XXXX told me that there wasnt anything he could do with current interest rates to change them and that he did not know what XXXX had done. He indicated hed call me back, he did not. I did not sign the 3 day notice. 

I reached out to XXXX XXXX on XX/XX/XXXX to cancel the loan. In a subsequent call with the title company, they advised that it would have been perfectly fine for me to close remote via Zoom and my husband would sign physically in Texas. Indicated it was a common practice. 

I have a financial loss as a result of the inappropriate handling on my loan by the team at EMM Loans. I paid a credit check, an appraisal, inspections and {$3900.00} in escrow to the seller. I am also at risk of the seller coming after me for additional monies, per my realtor, as the house has sat off the market for just over 6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing discrepancies, and errors in the reporting of late payment history.

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 2024-11-21 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: TX

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing discrepancies, and errors in the reporting of late payment history.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: AL

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 XXXX, 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 information 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 ). These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 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 2024-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
on XXXX XXXX I received a XXXX  deposit to my checking account with TD Bank from a conmpany im familiar with is call XXXX XXXX.I asked my bank to resend the funds back to the person who sent it to me do to personal issues. my bank reversed the transation the same day, and XXXX the funds were deducted from my acct and returned to sender bank account XXXX XXXX  I was told that the amount of XXXX XXXX XXXX  Dollars will be in the other person account with in 7- 10 bussiness days, XXXX weeks went by and the funds never reached the other person account, causing me to go back to my bank with the person who sent the funds to my account. XX/XX/XXXX my bank explained to both of us that the funds were already sent to his account and also gave us the documets to prove that. We also went to his bank XXXX  and was told to us that they would reopen their claim, the results from that was that XXXX  XXXX  find the funds stock some where and it was going to be release. the person who sent me the funds had to file another claim to reseive the funds that was supposed to take XXXX bussiness days, as of today XX/XX/XXXX he have not received the funds of XXXX XXXX Dollars back to his acct. this situation creating distress to me as well. Because I need it those funds immediately to fund other financial responsibilities and this situation caused me to miss out tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.

Complaint narrative:
PNC bank accnt : XXXX This account was lost and had all the unauthorized charges since early XXXX. I've called and reported first thing when I got back from overseas. They reviewed and ruled that this was all mine, even thought I lost it a month prior. Since then, I've called XXXX more times, but each time i got nowhere. They kept transferred me around and promised me someone will call me back but nothing ever happened. Its been like this 6 -9 months now. NOw my credit report scores had dropped down significantly. it messed my score really badly. I need help with this urgent. I dont know where to go. Please come in and help me disputing and resolving this.

Company response to consumer: Closed with explanation