vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-09-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation.

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 2024-09-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation.

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 2024-09-12 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-12 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: MA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX was my Girl friend for XXXX  years and when she got her inheritance in mineral oil rights property she did all the notorized work with a mobile notary to finalize the selling of the properties.And since she decided to get the money sent to my Cash app account from XXXX XXXX account name $ XXXX ( Buyer of her property with XXXX XXXX ) on XX/XX/XXXX. and from $ XXXX ( the buyer of her property with XXXX XXXX ) on XX/XX/XXXX and on XX/XX/XXXX and XXXX had the funds sent to my cash app account email address XXXX ... username $ XXXX... I believe I was scammed from the beginning and it was pre planned by XXXX because she knew my debit card was linked to my account and I did whatever she wanted to do with her money in my account because I honor Him XXXX and I know he wanted Her to do as she pleased with her inheritance. We Even linked her card to my account so she can spend her money on whatever she wanted. She told me to buy Me some shoes and I didn't because I didn't want To get between her father 's wishes and squander her inheritance. XXXX XXXX is a good helper and humanitarian Who helped a lot of people with her wishes... I don't want to be blamed for the sending and spending of her money when I just did as she wanted and I don't want my account closed and to be sued and possibly send to XXXX  being liable to the taxes and fees when I didn't do anything wrong but I am being called a XXXX  when I am not and many witnesses can vouch for my integrity to fairness. Also XXXX XXXX stole a lot of XXXX 's money and I uploaded the time when XXXX XXXX changed our cash app pin XX/XX/XXXX after beating XXXX up and robbing her for her phone which gave XXXX XXXX access to steal money from the account. And XXXX figured that out because XXXX was blaming me for changing the account pin and taking money or buying things until XXXX found out about XXXX XXXX when she contacted cash app account support after Being strong arm robbed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-12 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am not liable for this debt with XXXX XXXX I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to. They did not provide me with the purchase agreement as I requested in complaint ID XXXX. This must be removed from my report since PRA failed to follow the law per the FCRA. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You sent a letter trying to portray that you are validating a debt and in the same letter stated that you are not trying to collect on debt, when in fact you are. Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. I have no knowledge of an account with said company. Being that PRA has stated that this alleged debt was sold to them means that this debt was claimed on taxes, therefore PRA is trying to collect money from a debt TWICE. SENDING A BILL IS NOT VERIFYING A DEBT! I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the attorney generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is stated above. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
TODAY IS XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXX this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you Exerian credit reporting agency, XXXX XXXX XXXX XXXX agency and XXXX XXXX XXXX XXXX block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX in the private account XXXX, XXXX on XXXX XXXX, in the private account XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX in the private account XXXX, XXXX XXXX on XXXX XXXX, in the private account XXXX and a cell phone in the company XXXX on XXXX XXXX in the private account XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX in the private account XXXX.These accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer XXXX credit report. I do not recognize these accounts and they were not insisted by me. I have attached a copy of the FtC criminal report that List all these fraudulent accounts ftc XXXX I am requesting that pursuant to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that Experian Credit Reporting Agency block all of the accounts, collections and hard inquiries identified in this XXXX complaint from my consumer credit file with in 4 days of receiving said complaint. I request that all written confirmation regarding this XXXX complaint be sent to me via email to the email address 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 2024-09-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I filed an identity theft report with the FTC, naming an account with JPMCB ( XXXX XXXX ). Despite repeated disputes and CFPB complaints and an ID Theft report, XXXX and XXXX have failed to remove the tradeline, while XXXX deleted it promptly. JPMCB has also not addressed the identity theft properly, continuing to report the inaccurate account without validating the alleged debt, in violation of the FCRA and FDCPA. Despite requesting a cease in communication, unauthorized reporting persists, causing ongoing harm to my credit profile and significant stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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 filed a dispute with Experian in XX/XX/XXXXXXXX  over an account owned by XXXX XXXX XXXX for a debt of {$1600.00}. The original creditor was XXXX XXXX XXXX. I had never heard of these entities before they appeared on my credit report. Never received a bill for that amount. On XX/XX/XXXX, Experian deleted the account from my credit report, per my request, and closed the dispute. On XX/XX/XXXX, I filed a dispute with Experian over the same amount, this time held by a collections agency named XXXX, XXXX XXXX XXXX. The original creditor, XXXX XXXX XXXX, has now been sold to an entity called XXXX. On XX/XX/XXXX, Experian verified that the information under dispute has been verified as accurate, however, I have never received correspondence about this debt. I have never even received a bill concerning this amount. This is the same {$1600.00} that had been removed from my credit report in XXXX  but has now been verified as accurate and has been on my report for two months, causing my credit to plunge from XXXX  to 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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: GA

Complaint narrative:
I noticed that certain items are incorrect and need to be updated or deleted. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. 

XXXX XXXX XXXXXXXX XXXX Balanced $ XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. 

XXXX XXXX XXXXXXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX  XXXX XXXX Balanced {$0.00} This account is inaccurate please delete. 
XXXX XXXX Balanced {$0.00} This account is inaccurate please delete.

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 2024-09-12 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: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX Dear CFPB, I am writing to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) concerning the accounts listed below. These violations infringe upon my federally protected rights to privacy and confidentiality, specifically under 15 U.S.C. 1681. 

**Account Name : ** The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following sections of the FCRA are particularly relevant to my case : 1. **15 U.S.C. 1681 Section 602 ( a ) ** : This section affirms my right to privacy regarding my consumer information.

2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** : This section stipulates that a consumer reporting agency can not furnish my account information without my written consent.

3. **15 U.S.C. 1681c ( a ) ( 5 ) ** : According to this section, no consumer reporting agency may include any adverse information in a consumer report if it is older than seven years, except for criminal convictions.

4. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** : This section prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that you investigate this matter promptly, as these violations have caused me significant distress. I appreciate your attention to this issue and look forward to your response. 

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 non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 2024-09-12 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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