vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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:
This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-26 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:
This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-26 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: NJ

Complaint narrative:
Remove all unauthorized hard inquiries per 15 USC 1681c-2. They harm my 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 non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was charged several times for something I didnt authorize Experian to charge my XXXX account for and not sure how they got my credit card number to make the charges.

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 2024-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a letter dated XX/XX/XXXX regarding a debt owed to the XXXX. I usually wait until the amount reaches a certain point before paying, so I'M DISGUSTED THAT THE VA WOULD SEND SOMEONE TO COLLECTION AND CHARGE 30 % OVER THE AMOUNT OWED from a debt that is only 2 months old. This is the type of XXXX that led to the XXXX, XXXX  riots. I would have liked to to pay the debt owed by credit card or on-line, but those are not options according to XXXX XXXX contracted collection agency : TSI. I am going on line now to pay the current {$9.00} I owe the XXXX  before that goes to collection as well. I an unhappy with the exorbitant late fees being charged by a Government Department 's collection agency thats due to health related billing But I guess that is par for the course from the US Government these days given their response to XXXX, XXXX, and the aftermath of Hurricane Hillary. I have never been so disgusted by my government which has morphed into a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and their affiliates for deceptive and harmful practices related to an alleged debt they claim to own. Their actions include fraudulent docket entries, failure to validate the debt, and the addition of excessive and deceptive fees that have inflated the balance far beyond the original amount that has caused significant financial harm and obstructed my ability to grow wealth. 
1. Alleged Debt and Judgment : XXXX  claims to have purchased a debt from Synchrony Bank on XX/XX/XXXX, for a Walmart credit card account with an original balance of {$800.00}. 
A default judgment was entered against me despite my inability to properly defend myself.

2. Fraudulent Identity Claim : I have never done business with XXXX or its affiliates, and they do not possess my wet-ink signature. 
I believe my identity has been stolen and used to fabricate this debt.

3. Failure to Validate Debt : On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, requesting debt validation.

XXXX  failed to respond, violating the Fair Debt Collection Practices Act ( FDCPA ).

4. Inflated Balance and Fraudulent Fees : The alleged debt has ballooned from {$800.00} to {$1300.00}, due to unexplained and deceptive fees. 
Fraudulent payment entries include : 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 XXXXXXXX These fabricated payments may constitute fraud.

5. Harm Caused by Garnishment : XXXX  actions have obstructed my ability to acquire wealth, as funds are being withheld by another entity based on fraudulent garnishment claims. 
My financial institution, XXXX XXXX XXXX XXXX, confirmed there is no garnishment order from this group.

6. Statute of Limitations Concerns : I am concerned that the statute of limitations may have expired to file a motion to vacate the judgment. This judgment is invalid and unenforceable due to their failure to provide documentation and fraudulent actions. 

Violation of Consumer Protections : XXXX XXXX XXXX XXXX XXXX, and its affiliates have violated my rights under the following : Fair Debt Collection Practices Act ( FDCPA ) : Failure to validate the alleged debt, despite my formal request. 
Fair Credit Reporting Act ( FCRA ) : Furnishing and reporting inflated balances, fraudulent payment data, and inaccurate garnishment actions, which harm my credit profile and financial standing.

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 2024-11-26 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: MS

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have these unapproved inquiries removed from my credit report within 48-72 hours as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.

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 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
VENMO- opened a Venmo acct to use instead of XXXX XXXX. Transferred money INTO the acct twice! Sent gas money to a relative ( {$23.00} ) and they locked the account. Sent proof of identity ( recieved email that identity was confirmed ) but still cant access MY FUNDS! Please CANCEL this app. This is happening to many of us and at the end of the day, their main goal is to keep what WE worked for! Inhumane and disgusting!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: KS

Complaint narrative:
My wallet and phone were stolen at XXXX XXXX in XXXX. Multiple cards were used at various locations. I made fraud claims with U.S Bank and XXXX other credit card companies. The XXXX credit card companies ruled in my favor and provided credit for the fraudulent charges while U.S Bank denied my claim stating that the XXXX charges for {$480.00} from XXXX XXXX # XXXX and for {$760.00} from XXXX XXXX XXXX on XX/XX/2024 were due to the information provided, my transaction ( s ), account history, location, and pattern of use. I rarely use my debit card and don't recall ever shopping at XXXX XXXX. After denial of my claim, I asked to receive the documentation used during their research on XX/XX/2024 and was told I would receive it within 10 business days. It is now XX/XX/2024 and after 15 business day, I have yet to receive the documentation.

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 2024-11-26 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: CA

Complaint narrative:
My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: OH

Complaint narrative:
I have recently become aware that my identity and credit have been used to open several accounts ILLEGALLY. This has affected my ability to obtain a vehicle and housing for my daughter and I. This has also negatively impacted my ability to receive school loans to finish my degree. 

Furthermore In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the following collection agencies have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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.

Below is a full list of every illegal collection on my credit profile.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
I reported disputes multiple times to the company with NO proof of the debt. My XXXX rights were violated as I never Wet signed any agreements to sell my medical information to a third party debt collector without my consent or knowledge. Under the FCRA I never received any information regarding the XXXX collections from Wakefield and associates. They also reported these collections late to other credit bureaus to hurt my score collectively. I demand that that all XXXX collections be deleted since I sent numerous disputes to the company with again no email communication or mail verification of debt and or copies of wet signatures that I agreed to sell my information to a third party collection agency. That violates my XXXX policy and its against the law. Please delete all three collections from my report as there was no wet signature of my agreement with a third party company and that they violated my XXXX privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had XXXX JP Morgan chase cards. 
I had received an offer to pay off the cards in exchange for having the late/derogetory remarks removed from my credit report. I agreed to pay both cards, yet they still keep reporting negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$17000.00} 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 explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX/XXXX/XXXX  XXXX XXXX/XXXX/XXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
The issue centers on XXXX and several companiesXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXXproviding and maintaining inaccurate and unverifiable information on the consumer 's credit report. Despite prior disputes, these inaccuracies remain unresolved, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, which mandate accuracy and thorough reinvestigation of disputed items. Additionally, these errors and inconsistencies may involve fraudulent activity, as defined by 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent or unverifiable information. This failure undermines the consumer 's creditworthiness and calls into question the accountability of both the credit bureau and the reporting entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: GA

Complaint narrative:
There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS HARD INQUIRIES on my TransUnion report. 

XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 XXXX XXXX  XXXX : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc
State: NY

Complaint narrative:
The companies listed, including XXXX XXXX, XXXX, XXXX XXXX, Loqbox, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX, have reported inaccurate and unverifiable information to my credit report. These errors, which have not been corrected despite previous disputes, suggest fraudulent activity. XXXX has failed to block these potentially fraudulent accounts, causing significant harm to my credit profile. The lack of proper verification and substantiation of these accounts points to ongoing violations of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX I looked at my XXXX credit report on XXXX XXXX,2024 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 2024-11-26 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: UT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation