vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: OH

Complaint narrative:
I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
Please delete these items listed below IMMEDIATELY! 
NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, 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 2024-05-17 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: OH

Complaint narrative:
I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
Please delete these items listed below IMMEDIATELY! 
NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft loans and inquiries was open and applied for without my consent. I have sent the Experian a copy of my identity theft report but they have yet to help me in this situations.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Experian for their persistent refusal to update my credit report to reflect a debt that has been legally settled. Despite a court ruling and multiple attempts to submit the necessary documentation, Experian has failed to update my account information or remove the incorrect tradeline, resulting in ongoing damage to my credit score. 

A court of law has conclusively ruled that the debt in question has been settled. I have repeatedly uploaded and submitted signed court documents verifying this settlement, yet Experian continues to report the debt inaccurately on my credit report. This failure to update my information is causing significant harm to my credit score and my financial standing. 

XXXX refusal to accurately update my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to correct this information despite clear evidence of the debt settlement is unacceptable and warrants immediate investigation and action. 

I urge the Consumer Financial Protection Bureau to take prompt and decisive action to address this issue. Experian must be held accountable for their failure to comply with legal standards and their obligation to provide accurate information on consumer credit reports. I request the CFPB to enforce Experians compliance with the FCRA, mandate the correction of my credit report, and ensure that similar issues do not occur in the future.

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 2024-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Wakefield & Associates continues to make false statements of not knowing of any account that references to my name but continue to post false statements to credit bureau as of XX/XX/XXXX, XXXXThis  company continues to post fraudulent information to my credit report. I've never had any contractual agreement with this. This company purchased this information and some how attached my name to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: UT

Complaint narrative:
I've made numerous attempts to dispute these fraudulent information and Experian states their Verified and Accurate. these accounts are fraudulent XXXX XXXX XXXX XXXX account : XXXX XXXX account : XXXX XXXX Financial account : XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX account : XXXX Money XXXX XXXX account : XXXX XXXX bankruptcy XXXX XXXX Delete these fraudulent placements. these accounts don't match my current address

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 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Recently I did an investigation to my XXXX credit report which cause severe stress and XXXX on me and found inaccurate, unverifiable, invalidated and questionable items reported by a collection action named as CCS, Credit Collection Services. The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. This account is not verified. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This debt is not mine as the account is FALSE and I am not liable for this debt. 

Sending a response of the billing statement of this alleged debt is not a valid method of verification. 

If you do not remove this debt from my credit reports I will sue for * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property This is their last chance. 

These XXXX Credit card companies and debt collectors will not be taking advantage of me. 

They are still in violation of the following : Under 15 U.S. Code 1692k ( a ) Amount of damages. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of : 15 U.S. Code 1692k ( a ) ( 1 ) any actual damage sustained by such person as a result of such failure.

15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Each violation is {$1000.00} per individual violation.

15 USC 1692e False misleading representations 15 U.S. Code 1692j - furnishing certain deceptive forms. They sent deceptive forms to the credit reporting agencies without following the proper steps in debt collection practices. 

This is defamation of my character, and I went through deep XXXX, and this has been detrimental to my health, so my actual damages are very high, and I demand to be compensated for such.

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 2024-05-17 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent documents through USPS certified mail with a return slip to Equifax Information Services Fraud Department. My letter was picked up by an Equifax employee from the postal facility at XXXX XXXX  on XX/XX/year> in XXXX, GA XXXX. Those documents contained : 1. ) A copy of my drivers license, social security card, & a recent bank statement for appropriate proof of identity.

2. ) A copy of my FTC Identity Theft Report.

3. ) A cover letter requesting an identity theft block pursuant to FCRA 605B ( U.S.C 1681c-2 ), the identification of such information, including a statement by me that the information is not information relating to any transaction by me. 
4. ) A copy of FCRA 605B I spoke with an Equifax Fraud Department representative on XX/XX/year> ( around XXXX ) about the Identity Theft Block I requested & was told it would take 30 days to complete instead of the 4 business days that the law stipulates. She confirmed that it was received but not yet entered into their system for review. Since 4 business days had elapsed since it was delivered to Equifax, she reassured me my request would be uploaded and honored the following day. 

I spoke with an Equifax Fraud Department supervisor on XX/XX/year> ( around XXXX ) to follow up on my Identity Theft Block request. She notified me that my documents were uploaded to their system on XX/XX/year>. She told me it would take an additional 4 business ( on XX/XX/year> ) for my request to be validated. I asked her to file a complaint on my behalf for the previous representative giving me false/ misleading information willingly & knowingly in violation of [ 15 U.S.C 1611 ]. I believe my rights were violated as well under [ 15 U.S.C 6802 ] which requires a credit block for alleged fraudulent reporting information within 4 business days upon notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft I have forwarded my identity theft report in regards of the unauthorized loans and inquiries but Trans Union have yet to help in this situation.

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 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the night of Saturday, XX/XX/XXXX my debit card was stolen. The fraudulent charges totalling {$2800.00} included a {$1000.00} ATM withdrawal from a Wells Fargo ATM. I told Wells Fargo that I am the only person that knows my PIN so after processing my fraud claim they concluded that " an error did not occur '' because if I am the only one that knows my PIN number then I am the only person who could have made the withdrawal. I did not make the withdrawal so I asked if they reviewed any security footage to verify it was not me, given that the ATM in question is operated by Wells Fargo, and they claimed that they do not do that. Thank you for your help in resolving 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 2024-05-17 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00}

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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NY

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX U S DEPT OF ED/XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$4300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$6700.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17 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: NY

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX U S DEPT OF ED/XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$4300.00} US DEPARTMENT OF EDU XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$6700.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX XXXX XXXX Balance : {$3000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
I am writing to follow up on our ongoing efforts to delete the fraudulent items from my credit report. Despite our initial attempt, I regret to inform you that these items still persist on my record. As we enter the second attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items deleted from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX  XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3200.00} ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation