vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-29 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX  ; XXXX  XXXX inquired on XX/XX/XXXX  ; XXXX  XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXX  ; XXXX  XXXX XXXX inquired on XX/XX/XXXX  ; XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XX/XX/. 






The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

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 2023-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IDENTITY THEFT AND I DID NOT AUTHORIZE THE CREDIT INQUIRY FOR XXXX XXXX XX/XX/2022. 

I HAVE CONTACTED CHASE, AND THEY SENT A LETTER TO REMOVE HARD INQUIRY.

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 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXXXXXX allowed someone to sign up for a credit card under my name and now are reporting the stolen identity information on my report as derogatory. i am being negatively affected by this matter and furthermore would like for them to stop i have made a report with the identitytheft.gov they are on the job as well for i believe that to be the best 1st step. below are also my grievances. Thank you for your time.

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of reciept. its been 30 days and they are in VIOLATION of this law because I am a victim of identity theft. PLEASE DELETE THESE ITEMS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XXXX XXXX XXXX, XXXX  I contacted the following credit Bureaus XXXX, XXXX, AND EQUIFAX, I filed several disputes, it has been over 30 days and I have received no answers to my disputes, pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES, once a consumer has filed a dispute the credit bureaus have 30 days to respond, they have not done so this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XXXX XXXX XXXX, XXXX  I contacted the following credit Bureaus EXPERIAN, XXXX, AND XXXX, I filed several disputes, it has been over 30 days and I have received no answers to my disputes, pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES, once a consumer has filed a dispute the credit bureaus have 30 days to respond, they have not done so this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have been a victim of fraud and i notice accounts on my credit report that i am not aware of. I have tried to reach out to 3 major credit beaureas and they wouldnt not help me with getting that information removed off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have been a victim of fraud and i notice accounts on my credit report that i am not aware of. I have tried to reach out to 3 major credit beaureas and they wouldnt not help me with getting that information removed off my 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
Consumer complaint received 2023-05-30 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Dear Team : Please see attachments CFPB 7 Exhibits XI, VIII, XXII, XIII, XXIV, XXV, XXIX. 

Account # XXXX ; Property Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Customer : XXXX XXXX XXXX ; Case # : XXXX ; CFPB XXXX ID : XXXX. 

This communication is in regard a verification of XXXX XXXX 's Note and Mortgage, who owned it from XXXX until XX/XX/XXXX, as stated in a letter that I received from your office, on XX/XX/XXXX. Attached please find the refered letter, Exhibits " 1 ''. Also, please refer to XXXX XXXX 's letter received on XX/XX/XXXX, Exhibit " 2 '' Then, the mentioned Note and Mortgage was acquired in a foreclosure sale Bid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and a Certificate of Title recorded with the XXXX XXXX, XXXX XXXX XXXX XXXX, on XX/XX/XXXX. Attached please find exhibits. 

So, if XXXX XXXX in XXXX was already the owner of the subject Note and Mortgage, why was it assigned, sold and transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX )? 

Please keep me inform of the investigation 's progress. 

Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
I received a letter from Cedars Business Services LLC, XXXX : XXXX, on XX/XX/XXXX. This is on behalf of XXXX XXXX XXXX ( Account number XXXX ) to collect a debt of {$2400.00}. I contacted XXXX XXXX ( XXXX XXXX ) and spoke with XXXX on XX/XX/XXXX. She told me that an account was opened using my name and social security number in XX/XX/XXXX. The service location was registered to a New York Address ( XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The person on record for method of payment was registered to " XXXX, XXXX XXXX '', who claimed to be my wife. I have lived in XXXX, Texas since XX/XX/XXXX, and I do not know a person by the name of " XXXX, XXXX XXXX  ''. I am a victim of identity theft, and someone has fraudulently opened the account with XXXX XXXX using my personal information without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Advanced collection account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX  ; XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XX/XX/. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29 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: IL

Complaint narrative:
I disputed the placement of discharged bankruptcies that were placed on my Credit report with Experian, XXXX and XXXX on XX/XX/2023. After nearly a month in a half later, XX/XX/2023, these items weren't removed as requested due to them verifying that the information of these items were obtained by the Courts. However after notifying the courts and inquiring about the accuracy of them ( the courts ) providing this information, the courts informed me via certified letter that they indeed did not disclose my information to be utilized by any credit bureau or secondary entity.

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 2023-05-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: PA

Complaint narrative:
Robo-calling relentlessly, I am not the person they are calling for an owe no unpaid debts to anyone. 

They have identified themselves as Synergetic Communication, INC or other companies in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-05-30 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30 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: TX

Complaint narrative:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I saw a drop in my credit score on XX/XX/XXXX. I immediately pulled my credit report from XXXX. Under adverse information I had an account from Transworld System in collections, last updated on XX/XX/XXXX, with the date the account opened listed as XX/XX/XXXX. I had last checked my credit report on XX/XX/XXXX via XXXX and this account was not listed. 

I had no knowledge of this account or of Transworld. I had not been contacted via email, phone, or email about this debt. The original creditor was listed as XXXX XXXX, my former landlord. I had moved out from the apartment complex XXXX and had called the week after to verify that there were no issues. I had left my forwarding address with the office and they had my number and email on file, but I was never contacted by them about any past due amount. 

I attempted to contact Transworld via the mailing address listed on the credit report. I sent it via certified mail ( Tracking # : XXXX ) and it was delivered on XX/XX/XXXX. I have heard no reply from Transworld and have no information on the nature of this debt or why it wound up in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation