vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts from my credit report, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Accounts to be blocked and deleted : XXXX. XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be removed : XXXX. XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-25 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: LA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach, which has resulted in identity theft. Fraudulent accounts have been opened in my name, and I am requesting that the following accounts be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX XXXX XXXX XXXXXXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: LA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach, which has resulted in identity theft. Fraudulent accounts have been opened in my name, and I am requesting that the following accounts be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX XXXX XXXX  XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$300.00}

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 2024-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This debt collector has been sending me very stupid emails earlier this year constantly, never called and never sent mail. Just stupid emails threatening me saying they will not let this go and generally trying to intimidate me. 

I called them and was told it was from XXXX XXXX, I was also told they would not stop emailing me unless I sent a letter asking only for mail communication. I did so in XX/XX/XXXX, I requested validation and verification and for all communication to be via mail, no more stupid emails. 

I never heard back. 

On XX/XX/XXXX they placed a debt of {$160.00} on my credit report. In XXXX I spoke to XXXX and was told this was from missing gym fees and an annual fee charged in XXXX. 
I explained to This debt collector when I called and via mail, I no longer lived in XXXX  and attempted numerous times to cancel my membership with blink way before XX/XX/XXXX and XXXX gave me the run around. XXXX  has a habit of doing this and refusing to honor member cancellations. 
I explained to This debt collector I owe maybe 1 or 2 months gym fees but not the annual fee. I had cancelled my membership long before that. 

I simply never heard back from them. As I said no longer live in XXXX but I have all my mail forwarded to me and I have received nothing from them. 

It is XX/XX/XXXX and they took a harmful action against me in XX/XX/XXXX without following the law, they did not provide the information requested. They simply did not communicate. They obviously received my letter since the emails stopped instead they ignored it and now illegally and purposely are causing harmful injury to my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported on my credit file this company is inaccurately reporting information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. Original Contact was XX/XX/24 at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. Account in question : AMEX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I opened an account with Wells Fargo XXXX with XXXX dollars on XX/XX/year> XXXX $ was withdrawn from my account leaving me minus XXXX $ on XX/XX/year> XXXX $ was deposited leaving my balance at XXXX $ so the money was withdrawn before it was deposited I believe there own bank statements show this activity. Then on XX/XX/year> XXXX $ was withdrawn at the time my balance was XXXX $ on XX/XX/year> XXXX $ was deposited leaving my balance at XXXX $ these withdrawals were both done just before a deposit was due and before I would have had access to the money I only have access on a certain day of the month and /or week and the withdrawals were made 1 or two day 's before my access day

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 2024-10-25 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: LA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. 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 non-monetary relief
Consumer complaint received 2024-10-25 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: OH

Complaint narrative:
MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  {$420.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$640.00} OHIO DEPT OF HUMAN S {$1200.00} Date Opened XX/XX/XXXX OHIO DEPT OF HUMAN S Date Opened XX/XX/XXXX Balance {$790.00} **Inquries** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: OH

Complaint narrative:
MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  {$420.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$640.00} OHIO DEPT OF HUMAN S {$1200.00} Date Opened XX/XX/XXXX OHIO DEPT OF HUMAN S Date Opened XX/XX/XXXX Balance {$790.00} **Inquries** XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

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 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 2024-10-25 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: LA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach, which has resulted in identity theft. Fraudulent accounts have been opened in my name, and I am requesting that the following accounts be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$300.00}

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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XXXX the XXXX, I made a debit card transfer with my debit card issued by XXXX XXXX XXXX XXXX. I typically make these transfers from my personal account to my business account with Navy Federal. My first transfer was in the amount of {$200.00}, and second was for {$150.00}, I made twio transactions, because they both claim too have failed. So, I managed to be able to transfer money form my XXXX XXXX and it went directly in. Well needless to say, the next morning had two insufficient fees of {$29.00} and overdaraft an overdraft fee from my personal account. I went over to XXXX XXXX XXXX XXXX, and they gave me a copy of the codes that show that the transaction was made on th XXXX. I took it over to Navy Federal and they still seem to have hard time finding it. They did, thatnkfully force those two checks through because, I had called the next morning. A returned Mortgage check and {$390.00} short, I am very stressed out because I am short {$350.00} plus {$32.00} in over draft fees, time spent goin back and forth the whole week, so I could get my money back to pay my bills. As of today, I still have not recieved any money in my account. I am not sure what I am goin gto do about paying my mortgage, becasue i already behind. 
This has put a real hardship on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-25 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-25 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: MO

Complaint narrative:
I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, I have identified fraudulent accounts and inquiries that have appeared on my credit report without my authorization. 
Pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I request that you block and delete the following accounts and inquiries from my credit file immediately : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25 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: LA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My Equifax Report has incorrect information about my identity, my scores differ from multiple reporting sites. On the Equifax Report website, no information is given although I can view a history of disputes. Since the identifying information they have I have no recourse in trying to see what is included on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

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 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