vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove the inaccurate accounts being reported on my credit file.

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 2024-03-12 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and DELETE them immediately from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-12 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: TX

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and DELETE them immediately from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention some discrepancies I have discovered on my credit report regarding late payments. Upon reviewing my credit report, I noticed that there are late payments listed for certain accounts. However, I want to clarify that these late payments are not accurate representations of my financial history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: MD

Complaint narrative:
Per, - 15 USC 6801-5 : This section pertains to the protection of nonpublic personal information by financial institutions. You can mention how the credit reporting agency may have failed to adequately protect your personal information.

- 15 USC 1681 : This section is part of the Fair Credit Reporting Act ( FCRA ) and outlines the obligations of credit reporting agencies in ensuring the accuracy of the information they report. You can include examples of inaccuracies in your credit report.

- The Privacy Act of 1974 : This act governs the collection, use, and dissemination of personal information by federal agencies. You can mention how the credit reporting agency may have violated your privacy rights.

- The Family and Education Act of 1974 : This act provides for the confidentiality of student education records. If the credit reporting agency has included inaccurate information about student loans on your credit report, you can cite this act.

- FCRA 1681 sec 602 : This section of the FCRA deals with the responsibilities of furnishers of information to credit reporting agencies. You can mention how the credit reporting agency may have failed to verify the accuracy of the information they received from creditors.

- 16 CFR 313 16 CFR 433.2-3 : These sections pertain to the requirements for providing accurate information to consumers. You can cite these sections to support your argument that the credit reporting agency has not provided accurate information about your charges offs, inquiries, and personal information.

Please see attached.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-03-12 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:
MY INFROMATION WAS USED FRADUALENTLY TO OPEN SEVERAL AACOUNTSDUE TO IDENTITY THEFT WHICH RESULTED IN FRAUDULENT ACCOUNTS BEINGOPENED AND SEVERAL INQUIRIES BEING FRAUDULENTLY MADE. ATTENTIVELYREVIEW my formal writ composed DECLARATION of Not Proven CompliantMisinformation that is all or in part : DEFICIENT of adequate current status in fullnessof TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory andregulatory requisite compliant reporting thereby mandating your immediate actionsto rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returningto DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 datafield formatted reporting! To be clear, you are mandated by laws to eliminate everynotation and or aspect of any and all derogatory and adversary items from any and allalleged claims still yet unproven to be true, correct, complete, timely, documented asbeing mine, testimonial to be of my responsibility, with FCRA compliance, and orCRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and allderogatory or potentially injurious reporting MUST be all of the aforementioned andcan NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTsensuring the physically verifiability of the CONFIRMED manual validation of any itemupon a consumer complaint, such as is this notice here and now.Please RETURN to orretain federally lawful reporting with your unwavering and unconditional annulmentof every single one even each any and or all of the allegations accused of medeficient of physical evidence to every and all aspects of said claims, be them true ornot. I would like to forge forward with a righted disputation challenging what likely isan inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not evenof my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements andinjury to my credibility. While studying my report I have come across a number ofmistakes and inaccuracies that you are reporting.Please review and eradicate any andall of these following unproven true, correct, complete, timely, mine, myresponsibility, FCRA compliant, metro 2 compliant, or else wise compliant to everysingle one even each any and all of the regulations, laws, and standards of reportingof which you are undoubtedly mandated in your obligation to obey : The followingallegations each require immediate deletion, do so now and here!

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 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am writing to bring to your attention a concerning incident involving Bank of America. I fell victim to a scam where they sent me a check of {$1700.00} on XX/XX/XXXX. I deposited the check into my 'bank of America XXXX account. The bank has credited the check amount into my account, after that the scammer asked me to send the credited amount via XXXX in 2 transactions of {$840.00} and {$900.00}. After couple of days the bank has put a hold on the deposited check and later the bank has informed me that the deposited check was counterfeit. And the amount sent to the scammer via XXXX  has been deducted from my personal funds. My reason to raise a complaint here is how can the bank credit the amount for a counterfeit check after processing the deposit.

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 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency XXXXay terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXXXXXX 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I'm writing to discuss a problem I found on my credit report. It says status / condition is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof. If you can't, I need you to delete the account according to the law. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.

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 2024-03-12 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: NC

Complaint narrative:
XXXX XXXX and XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Both accounts were charged off and they received a tax break and did not SEND ME MY FORM 1099-C they should have sent when they Filled the account as a canceled debt. I'm aware per the IRS rules that they are suppose to file that by XX/XX/XXXX. I have yet to receive a 1099-C on either account. The IRS also Clearly defines a charge-off as Gross or Ordinary income per Publication 4681, and INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income ( Publication 4681 ). The reporting of this account as a debt is inaccurate. Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency per the note you have attached to each account. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY on the organization. I requested original documents and procedures from XXXX XXXX, XXXX and Experian because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda. Also per North Carolina collection statue, creditors have 3 years from the date of the last payment to collect a debt.

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 2024-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FB FINANCIAL CORPORATION
State: SC

Complaint narrative:
If you look in my my file with CFPB for the one other complaint I filed again the same mortgage company , the problem started then. I thought we finally had this resolved but then the are repeating the same mistakes over and over again.

We have TWO ( 2 ) flood insurance policies on our property and they are with 2 different companies. We have our " main house '' flood policy and then we have a detached garage that has an apartment on the second floor, so that is our secondary flood policy. 

FirstBank 's underwrites, or computer systems, or humans who work is the department responsible for managing our escrow, CAN NOT FIGURE THIS OUT. I have been on the phone with the many times for XXXX  years. XX/XX/XXXX, they just did not even pay the second policy and we got dropped. This was even after I spent two hours on the phone with someone there saying they were creating a second property plot file to show we have two flood policies. That did not work. We finally decided to just pay the second policy out of pocket late XX/XX/XXXX. THEN FirstBank paid in on XX/XX/XXXX when it was originally due for them to pay in XX/XX/XXXX. 

In the year of XXXX, FirstBank kept sending us threatening letters saying we were not carrying enough flood insurance, because the computer system kept defaulting to the smaller flood policy. We carry the XXXX we are allowed to carry on our Main house. 
This montage company is ridiculous and I am so tired of having to deal with them, over this same matter every 6 months. I just want another company to have our mortgage, but feel stuck because we are not going to refi just to get away from them. 
What are our rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: MI

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2024-03-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
I called Money Network and they said that my Social Security Number was invalid when it was not. They also said my Card Number was invalid and it was not. Im a XXXX  and Im broke. I need my account opened back and they arent giving me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
I am being charged a 119 % interest rate for a loan I was told to apply for at a XXXX store in XXXX, FL in order to fix my car. I have been paying a loan for {$1400.00} for over a year and I still owe over {$1000.00}. 
Now that I do research, I find out there is a lawsuit against this company, Easypay Finance where they are trapping people into predatory loans.

Company response to consumer: Closed with explanation