vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
I am writing to follow up on my previous communication regarding the ongoing challenges I am facing in removing fraudulent items from my credit report. Despite my initial attempts and the provision of supporting documentation, the fraudulent entries persist, causing continued harm to my creditworthiness and overall financial well-being. 

As previously communicated, I have attached copies of my credit reports highlighting the specific fraudulent items, along with the supporting documentation that unequivocally establishes the illegitimate nature of these entries. 

Despite these efforts, the fraudulent items persist on my credit report, and I have not received any satisfactory resolution. I understand the gravity of identity theft and the necessity for swift resolution to protect both consumers and creditors. 

I am requesting, once again, that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed and comprehensive written response within 30 days of receiving this follow-up complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will have no choice but to escalate this matter further by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19 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: NC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2023, I received a call on XXXX from a friend, the call was cut off and I couldn't hear it well, so she told me that it would be better to send a text message through the same platform, in which she told me that I had a problem and that if I could make a shipment through " XXXX '' through my bank account with Bank of America, to which I agreed because I was a very close friend, I made 3 deposits. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  then I managed to communicate with my friend and she told me that her cell phone was stolen and that it was not her who was asking me for the money. As soon as I realized it, I reported it to my bank on XX/XX/XXXX, XXXX fraud a few days later they denied my claim telling me that it was not fraud but a scam and that they do not respond for those types of claims and that they could not recover my money from the other account so my money was lost and there was no way to recover it.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Flagstar Bank has now failed twice to correctly mail an insurance claim check for {$3200.00} to our home, having send the check to a Roofing company that has already been paid by us for this amount. 

On XX/XX/, after placing a stop payment on the first check that took 10 days, the second check was again re-issued and mailed to the wrong address. No one at that address has possession of the check and another stop payment had to be issued. 
I have called them 5 times now to resolve this and they have yet to achieve a satisfactory resolution. 

We are finding this to be an Unfair, Deceptive and Abusive Practice in an effort to hold on to our funds and earn interest while we are not earning interest on money that we already paid out to our roofer. We believe that we are entitled to damages as the Mortgage Servicing Company has failed to take proper care and make commercially reasonable efforts to ensure that funds are sent to the appropriate address on a TIMELY basis. 

These funds are not being sent with any tracking or mail certification, but they are still responsible to ensuring that the funds are send and in an appropriate timeframe. This practice can cause financial hardships for consumers.

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 2023-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've opted out when I opened my card and they ignored my letter after I sent it in countless times. They've violated 15 USC 6802 and the privacy act of 1974. The charge off is sitting on my credit report. I've tried contacting the credit bureaus to remove it but they don't believe me despite citing the USCs and UCC. I can not buy a car due these things being on my credit report. I can't apply for business loans for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: VA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-12-19 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: OH

Complaint narrative:
I recently checked my credit report and sent a complaint to all 3 credit bureaus. I seen wrong dates, amounts, and accounts. They removed some accounts and then added them back on without notifying me or getting permission. From what I know this is against the law. My credit report went up and then decreased tremendously without any reasoning or updates. I have sent them letters saying this along with my ID and proof of address. This is affecting my ability to buy a house and I cant keep waiting on them. They are saying I am not sending in ID and proof of address but I have 3 times. Im tired of fighting and need these accounts removed immediately. I have also taken the time to highlight what was wrong with accounts. Many accounts say open and are marked closed or derogatory and also many accounts say I opened them on 2 different days.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-19 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: NJ

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
Privacy Act of 1974 ( 5 U.S. Code 552a ) The Fair Credit Reporting Act 15 USC 1681 section 602 a states " Theres a need to insure consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I want to make sure my privacy is not given out or shared with anyone according to 15 USC 6801 that says It is the policy of the Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written\un written verbal and non-verbal per 15 USC 6802. this IS EFFECTIVE Immediately AND Indefinitely. 
Equifax, XXXX and XXXX are not maintaining reasonable procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
Privacy Act of 1974 ( 5 U.S. Code 552a ) The Fair Credit Reporting Act 15 USC 1681 section 602 a states " Theres a need to insure consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I want to make sure my privacy is not given out or shared with anyone according to 15 USC 6801 that says It is the policy of the Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written\un written verbal and non-verbal per 15 USC 6802. this IS EFFECTIVE Immediately AND Indefinitely. 
XXXX, Experian and XXXX are not maintaining reasonable procedures.

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 2023-12-19 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: MO

Complaint narrative:
I am writing to express my frustration and disappointment regarding the persistent challenges I have encountered in attempting to rectify fraudulent items on my credit file. Despite numerous attempts to address this issue, the fraudulent entries persist, causing significant harm to my creditworthiness and overall financial standing.

I have attached copies of my credit reports, highlighting the specific fraudulent items, along with supporting documentation that unequivocally proves the illegitimate nature of these entries.

Despite my persistent efforts, the fraudulent items persist on my credit file, causing unwarranted financial stress and potential harm to my personal and professional life. I am well aware of the gravity of identity theft and the urgency required in resolving such matters to protect both consumers and creditors.

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit file. Additionally, I expect a detailed and comprehensive written response within 30 days of receiving this complaint, outlining the specific steps taken to address and rectify the situation.

If my concerns are not addressed within the specified timeframe, I will have no choice but to escalate this matter further by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO 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 2023-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
My social security number is XXXXThe collection agency called XXXX  credit collection has a collections account on my XXXX  report I told credit collection XXXX that it's not my debt but they refused to remove it off of XXXX  credit report I did dispute with XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
EQUIFAX Is reporting inaccurate information on my credit report. 

FCRA Violation of 15 USC 1681e ( b ) ( b ) Accuracy of report 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.

Also you are in FCRA violation 1681B Permissible Purpose.

Please provide me an original copy of any documents with my wet signature given you permission to furnish anything on my report.

also please provide me with who you investigated this information with before you furnished this alleged debt on my account. who did you speak with? please give me the names of any neighbor, friend, associate, and addresses and phone numbers. YOU HAVE 5 DAYS TO RESPOND FCRA 15 USC 1681d ( 4 ) ( a ) Disclosure of Investigative Consumer Report states- ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation