vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: MS

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XXXX XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX  on XXXX XXXX, and a personal charge card opened at XXXX under the account number XXXX. These accounts have resulted in a fraudulent charge off and fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result 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 2024-06-10 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: NC

Complaint narrative:
I've viewed a copy of my credit report and noticed today that they're multiple inaccurate and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit 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 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit 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 non-monetary relief
Consumer complaint received 2024-06-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-11 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: OK

Complaint narrative:
On XX/XX/XXXX I discovered some accounts on my credit that did not belong to me. I did the correct steps by filing an FTC report and a police report regarding said accounts. The account in question is an online account called XXXX in the amount of XXXX. I filed the FTC report XX/XX/XXXX and the police report was filed XX/XX/XXXX. I sent these documents to the credit bureaus. XXXX and XXXX XXXX took these accounts off however, Equifax did not. My first dispute was filed in XXXX around the XXXX. I received a response finally on XX/XX/XXXX stating that the account I listed was removed however the reporting company certifies that this information is correct so we reinserted this onto your credit file. I have disputed it again and have gotten no response. This account is destroying my credit. I have provided all documents needed for this dispute but receive no help form Equifax. Please can someone help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I just recently looked at my credit report XXXX and I saw some inquiries that did not have a permissible purpose, I also attached evidence Name : Transunion Date : XX/XX/year> These inquiries has no permissible purpose to be on my report, delete these inquiries due to violation of 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 2024-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one included deceptive language in the hope they would disqualify customers from a bonus for opening a savings account. " Deposit $ XXXXof external funds during theXXXX Initial Funding Period aft er opening your account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I was offered a resolution offer from Radius global solutions of {$200.00}, it would have been three payments of approximately {$68.00} dollars each payment. I needed to accept that resolution offer by XX/XX/year>, a family friend paid my first payment of {$68.00} on XX/XX/year> with his debit card online, below I enclosed the receipt. I requested in writing on XX/XX/year> that the next two payments be sent to my home address on file and I was going to send in money order for the last two payments. I also informed them not to charge my family friends debit card going forward that it was only a one time payment to enter in the resolution offer contract. I received a response from radius global solution office on XX/XX/year> stating that they were going to charge the debit card going forward each month, they also did not have the correct amount which was the previous resolution offer of {$200.00}, in which I enter into and excepted their offer. On XX/XX/year> I called a spoke with a representative and explain to her that the debit card on file is not my debit card it was a family friends and not to charge it going forward but to send the last two payments to my address so I can pay by money order I was told it was taken care of and would not be charge. On XX/XX/year> my family friend said he was charged for the second payment. I am no longer friends with this person becasue of their mistake and confusion. This and the creditor breaching their contract offer has caused a lot of stress and XXXX. I have enclosed below the formal letter I have sent to the creditor and my remedy request based on them breaching the agreed upon resolution offer. They violated the fair credit act in several areas. I look forward to getting this situation remedy as I requested. I also would like them to cancel this account and take it off of my credit report. Ucc1-308 without prejudice 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 2024-06-11 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: CA

Complaint narrative:
I have been lied to by XXXX. I asked them to investigate this account on my report because it is inaccurate but they are refusing to remove it after I have provided documentation that this account 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 2024-06-11 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: IL

Complaint narrative:
I am filing a report to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. The FCRA 605B mandates reporting any inaccuracies on a consumer 's credit 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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 


XXXXXXXX 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 2024-06-11 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX provided the document i will share with yall regarding no account found I have reached out to XXXX and requested they deleted the information but continue to state that XXXX has updated and certified the account is mine. 

This is my last attempt before I take legal action against both corporations. 

I have attached all exhibits below I have been fighting this for over a year now with no luck cfpb case no : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I suspected my information had been acquired by a party that might use it for identity theft reasons. I attempted to access my credit reports, and I was able to place a freeze 2/3 credit institutions. 


TransUnion 's online services are abysmal. And the fact that they render the information and protection services " closed '' at the end of a business day ( do the scammers not scam after XXXX PM EST? ) We are not able to access a freeze service or otherwise implement security measures on our own property with a company that has so much influence over the opportunities in our lives? And what happens when someone gains access to this information? XXXX TransUnion recompense those people? 

TransUnion : you enjoy all the privileges and protections of power over all the citizens of this country. The fact that your website is nonoperational alone is UNACCEPTABLE! Not to mention your inability to offer 24/7 assistance to consumers over whom you have so much power and with whom you apparently refuse to work is DOUBLY UNACCEPTABLE!! 

These are reasons scammers and identity thieves are so able to hurt regular people. And of course you take no responsibility or credit.

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 2024-06-11 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: IL

Complaint narrative:
I am filing a report to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. The FCRA 605B mandates reporting any inaccuracies on a consumer 's credit 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 non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I HAVE CALLED SO MANY TIMES TO EXPERIAN XXXX AND XXXX OVER THE PAST SEVERAL MONTHS AND TO NO AVAIL HAVE THEY REMOVED NEGATIVE FRAUD ACCOUNTS ON MY CREDIT REPORTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT AND HAVE ACCOUNTS THAT ARE NEGATIVE DUE TO FRAUD ACCOUNT TAKE OVER. WHICH OCCURED DURING THE COVID PERIOD WHEN I WAS SICK AND IN THE HOSPITAL. MY APARTMENT HAD BEEN BROKEN INTO. MY DISPUTES I HAVE MAILED ARE NOT BEING INVESTIGATED PROPERLY OR AT ALL. I AM UPLOADING MY FTC REPORT AND POLICE REPORT AND SOCIAL SECURITY CARD AND STATE ID. IM ALWAYS TOLD I NEED TO SEND THAT INFORMATION IN AND WHEN I DO THEY SAY THEY DIDNT RECEIVE IT OR ITS ALWAYS A PROBLEM OR THAT THE INFORMATION CAME BACK VERIFIED. THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT IS OUTDATED I WAS TOLD BY MY BANKER. WHICH I HAD LONG AGO DISPUTED. PLEASE SEE ENCLOSED COPY. I HAVE CONTACTED XXXX XXXX XXXX XXXX SEVERAL TIMES REGARDING THIS AND THEY WILL NOT INVESTIGATE THE FRAUD ON MY ACCOUNTS AS WELL AS 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 2024-06-11 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: CA

Complaint narrative:
This account is reporting with a 120 day late payment for 4 consecutive months in my payment history which is inaccurate reporting. I have notified Transunion about this but they keep verifying this false information.

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 2024-06-11 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: IL

Complaint narrative:
In order to REMIND XXXX and TransUnion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX XXXX MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) XXXX : {$580.00} XXXX XXXX XXXX XXXXXXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} Bankruptcy chapter XXXX XXXX XX/XX/year>

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 2024-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I was was solicited by someone presenting themselves as representatives of XX/XX/XXXX ( hereinafter referred to as the Merchant ). Their web platform is completely anonymous and does not provide any specific information about its owner/operator. There are many warnings against XX/XX/XXXX that confirm that it operates illegal. Unofficial investigations about the illegal operation of XX/XX/XXXX can be also found in a number of sources that are considered more or less reliable. Notwithstanding the above, the persons pretended that the web platform and the Merchant were licensed as regulated financial brokers and that they had the required qualification and skills for trading regulated financial tools and providing financial advice to the public. They insisted that by following their advice I would be able to open and maintain a segregated financial acoount and to make trades on regulated markets. Being an average consumer and without special knowledge in the financial markets, I was made to believe that he was investing in regulated financial tools via a licensed and qualified platform. Making use of the my lack of experience and knowledge, the persons acting i through the aftermentioned platform and/or on behalf of the Merchant requested me to make payments leading to believe that I was funding a segregated financial account. As per explicit request of the aforementioned persons, all payments were to be made in crypto currency and I was adv i sed and instructed to purchase crypto currency from Coinbase. I was then advised by the unlicensed Merchant to transfer the purchase crypto to nominated e-wallets, which are assumingly located outside www.coinbase.com. Acting in good faith and following advice, I made an account with www.coinbase.com, and made series of payments in consideration of purchasing crypto. Total amount of the payments is XXXX XXXX distributed in multiple transactions, all of them were sent through my e-wallet with Coinbase to the following addresses : XXXX XXXX XXXX XXXX Each transaction was immediately indicated on my profile with the unlicensed broker XX/XX/XXXX, which clearly reveals the link between above indicated address ( es } and the operation of the illegal website of the Merchant. Therefore, we consider any of the above wallets potent a ly being an integral part of the illegal activity of www.btcpro.one and/or potentially used for commining fraud and/or money-laundering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: SC

Complaint narrative:
My account with ( XXXX, XXXX ) was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I was evicted from an apartment. XXXX XXXX was contacted to stop service and they never did. I have proof on the clerk of courts for the dates they've charged me I was not staying there and they've refused to take the debt. They sold it to BULLCITY FINANCIAL SOLUTIONS INC. I've never received written notice about this debt. Also, the collections agency License number that they've displayed on their website expired in XXXX XXXX ( XXXX ). Bullcity Financial solution inc. is not licensed to collect in the state of Florida and therefore I am disputing this collection account.

Company response to consumer: Closed with explanation