vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account number : XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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. CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT 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 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
The debt amount is incorrect, the debt is incorrect and the original creditor is incorrect. Its too old to be on my credit report

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

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Hello, I was in urgent need of a car for commuting to work. So I came across this online auction website. I have registered my account and provided my valid photo ID to register account. I have placed a bid on one of their car and placed bid on one of their car on XXXX XXXX. I used website XXXX XXXX XXXX XXXXXXXX for bidding. This website is not reachable anymore. On XXXX XXXX I got a invoice with wire transfer information so I used my debit account to transfer the fund by wire transfer to the bank account information provided below. After receiving payment they have sent me email regarding delivery date which was initially scheduled on XXXX XX/XX/year>. However I didn't got it delivered. I contacted them multiple times over the phone ( XXXX ) and got connected with them. They described because of delivery truck broke down can not delivered on initial date promised. And rescheduled it on XXXX XXXX. However they didn't delivered car on second chance. After realizing that the website is not reachable as well as no one is able to reach over the phone, I contacted my bank. However bank stated that the wire transfer is completed and mentioned that the recipient bank account doesn't seems to be fraud. 
So since after that I am waiting for the both banks to act upon. Haven't got any updates since all reported with the local Police Department report along with FBI IC3 complaints. 

My bank details : - Bank Name : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address : - XXXX XXXX XXXX, XXXX, KY XXXX, XXXX XXXX XXXX XXXX  Account : - Bank Name : - Citibank Address : - XXXXXXXX XXXX XXXX XXXXXXXX, Fl XXXX Account Number : - XXXX Routing Number : - XXXX Wire Reference # 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 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
In XX/XX/XXXX I was notified by an identity protection provider that several credit cards were opened or attempted to be opened in my name. On or about XX/XX/XXXX, I was contacted by XXXX police department that my personal information including my Social security number, a credit card statement and other personal information was obtained during a search of a residence in XXXX  XXXX. I filed a police report with the XXXX Police Department on XX/XX/XXXX. Police report # XXXX. I reported there were 11-12 attempts to open credit cards in mine and/or my wife 's name. XX/XX/XXXX I faxed all of the information to XXXX 's for the first time. That information included the XXXX policy report # XXXX. On or around XX/XX/XXXX, I received a restitution letter from XXXX XXXX XXXX, District Attorney, XXXX XXXX XXXX Judicial District, State of Oklahoma that I was a victim of a crime. Case # XXXX State of XXXX XXXX XXXX XXXX XXXXXXXX XXXX I filled out the Itemized restitution request letter informing them that a XXXX rewards credit card issued by Barclay 's Bank had been taken out and purchases in the amount of {$980.00} were made on the card. The card in question I later received the credit card at my residence. I contacted Barclay 's bank with the assistance of XXXX from XXXX XXXX XXXX XXXX and informed Barclay 's the card was taken out fraudulently and I wanted it investigated. The card was placed on suspension and was investigated. I received a letter from Barclay 's that after investigation, they concluded the card was not taken out fraudulently. I have sent Barclay 's the police report 3 times. Two times via fax and 1 time regular mail. A copy of the restitution letter from the District Attorney and have called Barclay 's approximately 25 times explained the situation and every time it's the same response. I'm told it will be investigated and in a few days I received a letter explaining that they have concluded their investigation and no fraudulent activity found. The entire ordeal included approximately 17credit cards being taken out or trying to be taken out in mine or my wife name and SSN. Barclay 's is the only card remaining that has not recognized the illegal activity in my name. I submitted all paperwork from Barclay 's to XXXX XXXX XXXX confirming the account was fraudulent on XX/XX/XXXX XX/XX/XXXX I continue to receive calls from XXXX  XXXX XXXX a debt collection company. I've submitted all paperwork for a 2nd time confirming the matter should be closed and the account coded as fraudulent

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 2024-12-02 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:
Submit Information to Transunion to have fraudely information removed from credit report they haven't remove these accounts as of 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 2024-12-03 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts have appeared on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts from my credit report immediately. 
Unauthorized 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

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

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts have appeared on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts from my credit report immediately. 
Unauthorized 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

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 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I have tried calling MOHELA approximately 5 times. Each time I have waited approximately 2+ hours on hold, and then my call would be dropped and I would have to re-call and hope someone answers. 

I have numerous questions about my student loans that MOHELA 's website can't help me with, and I want to have my loans figured out before I have to start making payments. This is nearly impossible with MOHELA 's abysmal customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have been having issues applying for an XXXX XXXX XXXX XXXX through Affirm for the past several weeks. When applying through Affirm, I received a message that I had an extended fraud alert on my XXXX credit report, however, I removed this fraud report several weeks ago. To verify my identity, Affirm sent out an automated text message to the old phone number that was listed on my credit report ( ending in XXXX ). I no longer have access to this number and have updated my phone number on XXXX several weeks ago as well. I have called Affirms agents to verify my identity, however, they keep calling my old number to verify my identity. I have been getting nowhere with this issue since Affirm is still using outdated information on my credit report. They unfortunately do not use any other verification methods so I am unable to finance a new phone through Affirm. XXXX you please help me with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
There should be no debt owed to Rental Recovery Solutions property at all. The XXXX property never reached out to me in regards to owing anything and I paid them a little over the rent when I moved out. Also according to the law if my air conditioner was out for over XXXX weeks and I submitted multiple work order over the XXXX weeks I was able to move out without persecution. Once I reached out to the company about the original debt owed they werent able to provide me proof of debt they just told me that I had to pay it monthly and if I were to pay it they would not be able to provide receipts of the debt paid as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized 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 XX/XX/XXXXXXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Employers : XXXX  XXXX XXXX Employers : XXXX XXXX

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

Complaint narrative:
I am submitting a complaint regarding the continued inaccurate reporting of a charge-off account by TransUnion. Despite submitting multiple disputes, the credit bureau has failed to correct significant errors, whereas XXXX removed the account following my first dispute. 

Key Issues : Account Inaccuracies : The account shows missing months of payment history, which were later updated inconsistently. Some months have no payment history, and others were updated to " charge-off '' status. Additionally, the charge-off date was repeatedly updated, including changes in the balance and last updated dates. 

The account was marked closed in XX/XX/2023, but the charge-off status and balance continued to be updated after this date. This behavior suggests re-aging of the debt, which violates the Fair Credit Reporting Act ( FCRA ). 

I filed three disputes through the CFPB regarding this account, but the issues have not been corrected by TransUnion. Despite pointing out these inaccuracies, the bureau has failed to conduct thorough investigations and continue to report inaccurate information. XXXX removed the account after my first dispute, confirming that these inaccuracies should not be present.

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 2024-12-03 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: NC

Complaint narrative:
I am writing to request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. These entries resulted from a data breach, which compromised my personal information. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove fraudulent information upon request. 
Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$7300.00} 2. XXXX XXXX XXXX  - XX/XX/XXXX - {$00.00} 3. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$5400.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-03 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:
I am writing to request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. These entries resulted from a data breach, which compromised my personal information. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove fraudulent information upon request. 
Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
I am writing to request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. These entries resulted from a data breach, which compromised my personal information. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove fraudulent information upon request. 
Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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 am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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