vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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: CO

Complaint narrative:
There are XXXX accounts on my credit report and the XXXX reporting agencies show differing account numbers and information. 

The account numbers as listed on statements from XXXX had the XXXX numbers listed as below:379845444451000 - working capital business line of credit XXXX ; XXXX - business loan XXXX XXXX XXXX The business loan was paid online via XXXX web XXXX therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. 
See attachments showing online payment directly paid to XXXX via my online XXXX account. 

XXXX ) The working capital line of credit was settled with XXXX XX/XX/2021 with the agreement betweenboth parties signed on XX/XX/2021, that derogatoryinformation would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. 

I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from XXXX and the information on these alleged accounts does not have the accurate information. 

I am requesting that this account is removed from my 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are XXXX accounts on my credit report and the XXXX reporting agencies show differing account numbers and information. 

The account numbers as listed on statements from XXXX had the XXXX numbers listed as belowXXXX - working capital business line of credit XXXX ; XXXX - business loan XXXX XXXX XXXX The business loan was paid online via XXXX web portal therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. 
See attachments showing online payment directly paid to XXXX via my online XXXX account. 

XXXX ) The working capital line of credit was settled with XXXX XX/XX/2021 with the agreement betweenboth parties signed on XX/XX/2021, that derogatoryinformation would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. 

I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from XXXX and the information on these alleged accounts does not have the accurate information. 

I am requesting that this account is removed from my 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 2023-10-09 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: Amsher Collection Services, Inc.
State: KY

Complaint narrative:
In accordance with fair reporting act AMSHER COLLECTION SERVICES has violated my rights.

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has 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

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 2023-10-09 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to report a fraudulent activity that has severely impacted my credit standing. On XX/XX/2023, a credit card was opened under my name with THE XXXX XXXX XXXX XXXX the account number XXXX. I wish to categorically state that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I recently became aware of this situation when I noticed an unfamiliar and unpaid balance on my credit report linked to the aforementioned card. This unauthorized debt has unfortunately affected my credit score negatively, a score which I have meticulously built over the years.

I have taken the following immediate step on my end : Alerted the credit bureaus and placed a fraud alert on my credit reports. 

I request the Federal Trade Commission 's assistance in investigating this matter further and taking appropriate action to prevent such incidents in the future. I understand the FTC plays a vital role in guiding victims of identity theft, and I look forward to any support and recommendations you can offer. 

The emotional and mental strain of knowing one 's identity can be so easily compromised is deeply unsettling. 


I would be grateful for any assistance you can provide in helping me resolve this issue and safeguard my identity and credit. If you require any additional information or documents, please feel free to contact me at XXXX XXXX XXXX or XXXX Thank you for your attention to this urgent matter. 

Sincerely, 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 2023-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
I have received XXXX phone calls in the last week from Prosper. All of my payments are up to date, and when I returned the phone call today to ask why I was receiving these calls there was no documented reason. The person I spoke with, XXXX, informed me that they would make a note of a cease and desist regarding phone calls to my personal cell phone number. 

The calls I received occurred on the following dates : XXXX XXXX XXXX four calls XXXX XXXX four calls XXXX XXXX three calls XXXX XXXX four calls XXXX XXXX XXXX three calls

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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: NE

Complaint narrative:
I had, had a credit card with the company for a few years and my card was set to expire in XX/XX/2023. My card was totally paid off and had no balances. I called in XXXX when I didn't get a new card and I was told they were behind in getting the new cards processed and mailed to call back in XXXX weeks so I called the end of XXXX again I was told that they were behind in getting cards processed and mailed to call again. In mid XX/XX/2023 I received a text message from the credit card company that I owed XXXX  XXXX so I called and they said my address didn't match and I had to send in a copy of my driver 's license and a current utility bill before they would talk to me. I did this and I received a letter that they updated my address and when I called in disputing the charges by this time they are now {$280.00}. and I am told they will work out an agreement and I said for what I didn't charge anything so how can I owe anything O asked to speak with a supervisor and she said that all the charges are fees, and interest since XXXX and I asked how can they charge me for a card I never received or activated and I told them that they were the one 's that were behind sending out cards and I can't be charged until I receive and activate a card otherwise they were committed credit card fraud. They said they would waive some of the fees if I will pay half and I refuse to pay anything as they never mailed out a card the girl I spoke with before the supervisor said she never saw a card get mailed out. These people want me to agree to pay for something that I never got and I know we don't have a current contract since I never actually accepted or activated a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 


15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 



Delete this/these accounts unless you want to be held accountable for {$1000.00} per account

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 2023-10-09 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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 


15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 



Delete this/these accounts unless you want to be held accountable for {$1000.00} per account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/2023 unauthorized transaction occured. I have been fighting off and on to get a dispute in which they have lied multiple times. Refused to actually even state or acknowledge the issue. Not even investigate since they had multiple network issues and breach in systems. I have even reached out Cash Apps main company Square Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said 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 2023-10-09 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

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 2023-10-09 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: CITIBANK, N.A.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to report a fraudulent activity that has severely impacted my credit standing. On XX/XX/2023, a credit card was opened under my name with THE XXXX XXXX XXXX bearing the account number XXXX. I wish to categorically state that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I recently became aware of this situation when I noticed an unfamiliar and unpaid balance on my credit report linked to the aforementioned card. This unauthorized debt has unfortunately affected my credit score negatively, a score which I have meticulously built over the years. 

I have taken the following immediate step on my end : Alerted the credit bureaus and placed a fraud alert on my credit reports. 

I request the Federal Trade Commission 's assistance in investigating this matter further and taking appropriate action to prevent such incidents in the future. I understand the FTC plays a vital role in guiding victims of identity theft, and I look forward to any support and recommendations you can offer. 

The emotional and XXXX  XXXX  of knowing one 's identity can be so easily compromised is deeply unsettling. 


I would be grateful for any assistance you can provide in helping me resolve this issue and safeguard my identity and credit. If you require any additional information or documents, please feel free to contact me at XXXX XXXX XXXX or XXXX Thank you for your attention to this urgent matter. 

Sincerely, 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 2023-10-09 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:
The company known as XXXX XXXX has been reporting inaccurate information. The Original creditor is saying that they leased or rented me an apartment back in 2017. I have never lived in an apartment. They are saying the debt is {$2900.00}. I sent them a copy of a police report, affidavit, and a FTC claim report. They didn't respond to my request. I need the to provide me with ID that was used to rent or lease the apt or house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2022 I went for a temporary subscription to a site called XX/XX/XXXX for {$1.00} then attempted thru email to CANCEL the " subscription '' before the trial expiration date - they refused to do so... so I contacted b of a by email - no response - then contacted them by phone and they said they were going to BLOCK this fraudulent actor - month after month after month ... I kept getting b of a alerts that their fraudulent attempts were denied - even though BLOCKED usually means blocked ... whatever ... I guess that's their way of doing it? 

I haven't used that card since then or close to it I had no reason to believe that this fraudulent actor would ever be able to do it again Inadvertently ... because I was saving & sending statements to debt management ... I started to notice that the fraudulent charges eventually started to make it thru to my account Recently... I spoke to a phone rep that said he would put those in dispute and change the card number so they could no longer do that b of a sends me a letter stating that the fraudulent charges are valid and that they were crediting me {$40.00} from just short of {$400.00}

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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-09 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: Rent Recovery Solutions
State: GA

Complaint narrative:
The company known as XXXX XXXX has been reporting inaccurate information. The Original creditor is saying that they leased or rented me an apartment back in 2017. I have never lived in an apartment. They are saying the debt is {$2900.00}. I sent them a copy of a police report, affidavit, and a FTC claim report. They didn't respond to my request. I need the to provide me with ID that was used to rent or lease the apt or house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: NC

Complaint narrative:
Discovered I can not place a FTC report due to reporting, advised to report through CFPB. 
I did not consent nor authorize these companies for any service, at all. 
Called Experian to dispute several hard inquiries listed on my credit file. 

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

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 2023-10-09 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: MN

Complaint narrative:
I contacted TransUnion because they continue to report incorrect information about XXXX old loan accounts I had with XXXX. I disputed these inquiries ( with documented proofs ) using TransUnions ' online dispute form, and was contacted about a week later saying TransUnion resolved the dispute. However, when I logged-in to see the resolution, all TransUnion did was leave me a note saying that the XXXX information was correct. When I originally submitted the dispute with TransUnion, I informed them that I had already attempted to resolve this issue with XXXX  but XXXX  still had not removed the incorrect information, nor have they done anything else to correct the error. The last time XXXX updated my file with TransUnion was almost 1 year ago - and since then XXXX has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to XXXX and TransUnion but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why XXXX refuses to correct my information and why TransUnion refuses to update the XXXX 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