vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
Experian ( credit reporting agency ) has allowed rampant account takeover activity in its service and provides no useful remediation. All contacts through their customer support channels ( online and via phone ) send consumers between various customer support teams who are unable or too uninformed to help.

These are the problems with my account : - I am unable to sign in online. My account identified by date of birth and social security number is associated with an e-mail address I do not own. All account recovery measures go to that inaccurate email address ( via phone, no customer support team is able to troubleshoot this ). 

- I was made aware in XXXX customer support conversation that an Experian XXXX account was fraudulently opened with my social security number. However they could not remedy ( or even report ) that situation until I could gain access to my account ( which because of the above- the account is associated with an email i don't own - I can not do ). 

I was given the runaround through multiple customer support teams and burned a minimum of XXXX hours with Experian trying XXXX remedy and got nowhere.

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 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-30 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The debt is not mines and I don't have knowledge of this account. The account is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 

XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported XXXX XXXX accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 




Tracking everything CC : FTB, XXXX, CFPB

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 2024-12-30 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: MD

Complaint narrative:
Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 

XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported XXXX XXXX accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 




Tracking everything CC : FTB, XXXX, CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
well, i am here becouse my paypal account has been limited with un specific reason. 

I just update some of my personal information and after that i received a email about i cant use paypal anymore. 

if somebody in paypal will review my account i m very sure there is not reason for blocked me, i do not have any other paypal. 
Id. de referencia : XXXX my id it was submit by link but is in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
NEVER RECEIVED NOTICE JUST DAMAGED CREDIT TREMENDIOULY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA XXXX Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.

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 2024-12-30 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: CT

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Delete inaccurate information from my credit report, remove collections that's reporting inaccurate information on my credit report file 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Delete inaccurate information from my credit report, remove collections that's reporting inaccurate information on my credit report file XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is Inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Transunion Accounts XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount {$300.00} XXXX. XXXX  XXXX Account Number : XXXX XXXX {$230.00} XXXX. XXXX Account XXXX : XXXX XXXX {$40.00} XXXX. XXXX/DOFED Account XXXX : XXXX XXXX {$2300.00} XXXX. XXXXDOFED Account XXXX : XXXX XXXX {$2300.00} XXXX. XXXXDOFED Account XXXX : XXXX XXXX {$3400.00} XXXX. XXXXDOFED Account : XXXX Amount : {$7500.00} XXXX. XXXXDOFED Account : XXXX XXXX {$10000.00} XXXX. XXXXDOFED Account XXXX : XXXX XXXX : {$3500.00} XXXX. XXXX Account XXXX : XXXX XXXX {$6100.00} XXXX. XXXXDOFED Account XXXX : XXXX XXXX : {$3600.00} XXXX. XXXX/DOFED Account XXXX : XXXX XXXX : {$7800.00} XXXX. XXXX/DOFED Account XXXX : XXXX XXXX : {$7300.00} XXXX. XXXX/DOFED Account Number : XXXX XXXX : {$3600.00} XXXX. XXXX XXXX Account Number : XXXX Amount : {$270.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.

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 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, othe
r then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-30 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. XXXX and remove them.

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 2024-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo application XXXX  XXXX. At this time, my application was not return to me. I gave Wells Fargo a SXXXX XXXX aka my application and Per Wells Fargo XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they can take all applications whether its denied or approved & turn those receivable and turn them into cash to securitize with their XXXX XXXX  with XXXX XXXX XXXX. I want my Application with my signature- which turn it into securities. I'm requesting the securites to be RE TRACK from wells fargo. I'm don't want wells fargo to profit from my XXXX XXXX  since I never received any fair exchange with them.

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I did not consent, nor benefit from, nor authorize any of the following accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
Subject : Inaccurate Reporting and Potential Fraud Regarding Account with Affirm IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : Affirm Inc. is inaccurately reporting my accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX as " charged off '' on my credit reports for the past three months. However, I have not received a Form 1099-C ( Cancellation of Debt ), which is legally required if the debt has been canceled or charged off for tax purposes. The absence of a 1099-C strongly indicates that the debt has not been properly charged off, rendering the current reporting both inaccurate and misleading. 

Furthermore, if Affirm Inc. does provide a copy of the Form 1099-C ( Copy B ), it would represent a certificate of indebtedness, which is considered income. Per federal law, income is not permitted to be reported on a credit report. Therefore, if Affirm Inc. provides a 1099-C, they must also remove the " charged off '' status from all three major credit bureaus, as its presence would then violate the Fair Credit Reporting Act ( FCRA ) and misrepresent the nature of the account.

This inaccurate and potentially fraudulent reporting has caused undue harm to my credit standing. Affirm Inc. must act in compliance with both IRS regulations and the FCRA, which mandates that all information reported to the credit bureaus must be accurate, complete, and verifiable.

Company response to consumer: Closed with explanation