vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-07-13 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX WA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00}XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$1200.00} 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 non-monetary relief
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
I got copies of my XXXX and Experian and XXXX XXXX XXXX XXXX XXXX is falsely reporting on my credit report wrong payments and payment amounts they are breaking laws of section 603 of the fair credit reporting act by reporting my information with no scheduled payments ever they just are reporting wrong information credit reporting and the type account they are reporting is wrong too either it's revolving or installment they are reporting cellphone agencies are sending it back to me verified and accurate how could it be accurate if no payment schedule was ever reported XXXX XXXX is also breaking Texas state law by actions as a collection agency thier for they are breaking Texas sate law by not being registered as a debit collectors Section 392.101 of the Texas Finance Code prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I also have sent copies of ftc ID theft afitdavit

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 2024-07-13 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: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-07-13 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: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2024-07-13 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: FL

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: TN

Complaint narrative:
DEAR, TRANSUNION WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. ( XXXX XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ( XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAYAT ( XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-07-13 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: TX

Complaint narrative:
I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency.

Details of Disputed Entries : Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.

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 2024-07-13 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: TN

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged de pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICA OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIon

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 2024-07-13 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: TN

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged de pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICA OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIon

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an auto loan that was fraudulently opened under my name by XXXX XXXX, financed through TD Auto Bank. This loan was created without my knowledge or consent, and several violations were committed during this process, breaching multiple consumer protection laws. 

Details of the Fraudulent Loan : Loan Holder : TD Auto Bank Dealership : XXXX XXXX Name : XXXX XXXX Contact Number : XXXX Email : XXXX Date of Birth : XX/XX/year> Issues with the Loan : XXXX. Unauthorized Loan Opening : The auto loan was opened without my knowledge or consent, violating the Fair Credit Reporting Act ( FCRA ), which protects consumers from unauthorized use of their credit information. 
XXXX. Illegal Down Payment : A {$2000.00} down payment was taken from my debit card without my permission, in direct violation of the Electronic Fund Transfer Act ( EFTA ), which protects consumers against unauthorized electronic fund transfers. 
XXXX. Pressure Tactics for Extended Warranty : I was pressured into accepting an extended warranty that I did not want or agree to. This practice violates the Truth in Lending Act ( TILA ), which requires clear and honest disclosure of credit terms. 
XXXX. Fraudulent Contract Signing : My information was signed on the contract fraudulently, which constitutes identity theft under the Identity Theft and Assumption Deterrence Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: TN

Complaint narrative:
DEAR, EQUIFAX WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. ( XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ( XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ) ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAYAT ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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:
DEAR, EQUIFAX I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX, XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/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 2024-07-13 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: TX

Complaint narrative:
I got copies of my eqifax and XXXX and XXXX XXXX XXXX XXXX XXXX is falsely reporting on my credit report wrong payments and payment amounts they are breaking laws of section 603 of the fair credit reporting act by reporting my information with no scheduled payments ever they just are reporting wrong information credit reporting and the type account they are reporting is wrong too either it's revolving or installment they are reporting cellphone agencies are sending it back to me verified and accurate how could it be accurate if no payment schedule was ever reported XXXX XXXX is also breaking Texas state law by actions as a collection agency thier for they are breaking Texas sate law by not being registered as a debit collectors Section 392.101 of the Texas Finance Code prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I also have sent copies of ftc ID theft afitdavit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
Charges were made in XX/XX/2023. There are a total of five charges they were split into two separate disputes one for XXXX and one for XXXX. The dispute for XXXX has already been approved and resolved. I attached the exact same documents to both disputes and I have now been denied for the XXXX over 20 times even though I have been providing more paperwork from the merchant as well as from the merchants legal team

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I forgot to pay the balance off my Dillards card and Was charged a late fee.

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 monetary relief
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS 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 2024-07-13 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: FL

Complaint narrative:
DEAR, XXXX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS 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 2024-07-13 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:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Also, somehow the date I discovered it and the date the fraud begin got switch around as I was downloading the document.

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 2024-07-13 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-07-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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:
DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-13 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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