vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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:
TransUnion XXXX XXXX 2000 XXXX, PA XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to XXXX XXXX Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the national data breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Identification of Disputed Accounts : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} Account Name : XXXX XXXX XXXX BANK - {$12000.00} Account Name : XXXXXXXX XXXX XXXX XXXX  - {$6400.00} Reason for Disputes : Account created due to breach, identity theft, and unauthorized access. 

XXXX XXXX Compliance and Dispute Codes : Compliance Condition Code : XB ( Consumer Disputes This Information ) Dispute Reason Code : XXXX ( Not Mine Fraud or Identity Theft ) FCRA XXXX ( XXXX U.S.C. XXXX ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts. 
Implementation of a fraud alert and security freeze to prevent further fraudulent activity. 

Provide confirmation that the accounts have been removed or corrected. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

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 2024-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery has been calling my cell phone multiple times a day for months beginning in XXXX 2024. I answered, there was no one there. It was silence, and then a click. So, I started ignoring the calls thinking they'd stop, but they didn't. Then, I started blocking the calls. 

Every time I block a number, another number starts calling, and the caller ID says : Portfolio Recovery. They never leave a message. They just continue calling, relentlessly. Day after day. 

I XXXX Portfolio Recovery and saw it's a debt collection company. I don't owe any unpaid bills. I XXXX the numbers. They are all robocall, scam, or spam numbers. At this point, it's harassment. I'm XXXX with a serious illness, and my father is a XXXX veteran. I don't have the means to hire an attorney and pursue this. 

I need help to make it stop. Please find whomever is behind this and take legal action. 

They've used these numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I have some screenshots of the months and months of near daily phonecalls, but those are only the calls I rejected. There are more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX at XXXX i went to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX ) atm machine to try to withdraw XXXX XXXX The screen told me transaction declined, no money came out, so I tried again but for XXXX XXXX the transaction was approved and i got 100 . The declined transaction took my money out of my bank ( XXXX XXXX XXXX ) anyway so I tried to dispute it. Earlier in that same day I had made multiple other XXXX $ withdrawals from a casino, and there were also two withdrawals totalling XXXX $ i do not remember making, as i believe my drink was spiked after making a lot of people mad. When I asked the casino dealer standing at the table where i made the XXXX $ withdrawals ( there's a little card reading machine similar to a gas station 's machine ) about the largest transaction, she didn't know what I was talking about. I went through my bank and made a police report to try to dispute the XXXX and XXXX $ withdrawals, but they're saying there was no suspicious activity and they took my money anyway. Now they're trying to take the XXXX $ from the declined transaction, and i know with 100 % certainty that my bank is in the wrong. I am not the only one this has happened to, something very similar happened to a XXXX XXXX, but drugged at a different casino and involving millions of dollars. I was unable to get drug tested as I had to sleep and go to work or risk getting fired, and the detective told me there wasn't any video footage of the day i went to the casino, convenient. I had to borrow from moneytree just to pay the bills, now i owe them XXXX XXXX my account is nearly in the negative and i am alone in this fight. I have spent thousands gamblingand drinking before this fiasco, and not once have i ever disputed that money that i lost until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I received notification that TRANSUNION CREDIT REPORTING AGENCY dropped my XXXX XXXX XXXXXXXX XXXX 

I reviewed my credit report and identified that there was a manufactured error being reported. A Glitch or systematic failure. It stated that my Current account was removed and renewed on my report.

Thereafter, I contacted CURRENT who informed me that they did not close nor remove the account. They stated that they only posted the positive payment history.

It clearly shows that the account is listed closed while in good standings. This is false.

Transunion is manufacturing credit scores in order to sell products to consumers who they feel isnt financially savvy. This manipulative tactic harms consumers and destroys credit bureaus trust.

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 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I obtained XXXX  credit card in XXXX XXXX enrolled in full auto payments for the rent and also full auto payment for the credit card.My limit is XXXX and the rent payment is about XXXX per month.I use this exclusively for rent payment.In addition to this I make four minor purchases each period to get rewards.These other purchases are never more than $ XXXXSo there is never a question of going over the limitXXXX rent was paid and I presumed that each month will be paid according to auto payment agreement.XXXX XXXX I got a notice from the apartment manager that XXXX payment has not been made so there is {$140.00} charge for late payment.I contacted XXXX customer service and they said that my account was short of funds, this was not possible as I never used card for anything else.Ofcourse now with two months rent due, due to card not paying XXXX rent, it was over XXXX $ limit.This was not due to my fault.I communicated with both XXXX  and Wellsfargo, which manages their card and they pass me from one to the other. 
Ihave never gone over the limit, or short of find, or late payment or overdraft ever.Please help me out as I am getting financial loss for no fault of mine.

Thanks

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 2024-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt is over XXXX XXXX XXXX. It should have expired from my credit report 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never live at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
I need to address to be deleted from my credit 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 non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never live at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
I need to address to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: FL

Complaint narrative:
The following investigations were done by all 3 bureaus and only XXXX has removed the specified accounts. All of these accounts are still listed with Equifax XXXX XXXX, if XXXX has removed them all why do these 2 bureaus still have them listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Including all inquiries that have been disputed as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: NC

Complaint narrative:
My credit Report contains many inaccurate information, including unknown accounts and charge offs. I do not understand how these 3 credit card accounts are being reported, I do not know these accounts, I do not acknowledge the debts. I ask for full validation according to Fair Credit Reporting act rules. I want a copy of the contract that I and the opposite party has signed wet ink signature. entering me into a bonding agreement to perform. I would like to asked that these accounts are deleted for lack of permissible purpose per 15 usc 1681b ss 604. A charge off accounts is defined by the I.R.S as gross income. Income can not and should not be reported on my credit report for everyone to see. that's a violation of privacy. 15 usc 1681 ss 602 ( ( a ) accuracy and fairness of credit reporting. ( 1 ) the banking system is dependent upon fair and accurate credit. ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness. impartiality and a respect for the consumers right to privacy. I demand that my credit report be corrected and fixed. no credit card accounts should be on my report. please provide validation with my signature on it or delete delete delete. account # XXXX # XXXX and 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 2024-09-07 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: MI

Complaint narrative:
On XX/XX/XXXX, while reviewing my credit report, I noticed several inaccuracies. As stipulated by the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. However, the following accounts on my report are neither complete nor accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Additionally, I'd like to point out that under 15 USC 1681s-2, it is prohibited for any person to furnish information to a consumer reporting agency if they know or deliberately avoid knowing that the information is inaccurate. 

Please see the attached documents for further details.

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 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone has fully stolen my identity.Someone from XXXXXXXX XXXX has stolen my identity. They are using my name for an apartment & another residence in XXXX where I have never lived or reside. They have also opened a line of credit with Capital One Credit in XXXX XXXX, XXXX. The capital one credit card was supposed to arrive to my permanent address at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX via USPS on XX/XX/year>. USPS never delivered that fraud credit card. USPS showed up to my house yesterday to obtain someone else 's mail they delivered the day before to the wrong address. USPS is tampering & stealing my mail on a daily basis. They was just on the XXXX XXXX XXXX XXXX XXXX  for the same issues I am reporting. A mail carrier in XXXX XXXXXXXX XXXX XXXX just confirmed he was stealing people 's mail in a neighboring town. When I say this has been going on for years. My credit score was a XXXX this morning. This credit card fraud brought my credit score down to a XXXX. I have also filed a report with the FBI Cyber crimes dept. I filed a dispute with XXXX. Capital One Credit also created a Fraud Application. The representative I spoke with confirmed they used the XXXX XXXX address to order the credit card fraudulently. I have done everything I can as well as freeze my credit report. Scammers are still stealing my identity. It's a neighbor who is watching my mailbox very closely. They live right here, but using an address in XXXXXXXX XXXX. Thank you for your attention with this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: IL

Complaint narrative:
There is information on my credit reports that I did not authorize or open up on XXXX, XXXX and Equifax. I received an alert that my identity was potentially compromised, and my social security number may be on the dark web. The Social Security Administration. When I finally got access to my credit reports, I found accounts on them that do not belong to me or have access to. I contacted the credit reporting agencies to challenge the validity of the accounts, and I have not received a response yet. It has been over 45 days now. There are multiple inquires on my credit reports, there are addresses that I have never lived at or can identify the location of, there are places of employment that I have never reported or worked at in my credit file. Also, there are home addresses that I have never lived at or used to apply for any credit. THE ACCOUNTS THAT ARE IN QUESTION DOES NOT HAVE MY CORRECT NAME ON IT. I contacted the credit reporting agencies on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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:
There is information on my credit reports that I did not authorize or open up on XXXX, Experian and XXXX. I received an alert that my identity was potentially compromised, and my social security number may be on the dark web. The Social Security Administration. When I finally got access to my credit reports, I found accounts on them that do not belong to me or have access to. I contacted the credit reporting agencies to challenge the validity of the accounts, and I have not received a response yet. It has been over 45 days now. There are multiple inquires on my credit reports, there are addresses that I have never lived at or can identify the location of, there are places of employment that I have never reported or worked at in my credit file. Also, there are home addresses that I have never lived at or used to apply for any credit. THE ACCOUNTS THAT ARE IN QUESTION DOES NOT HAVE MY CORRECT NAME ON IT. I contacted the credit reporting agencies on 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
Consumer complaint received 2024-09-07 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: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
Sent in letter to company requesting validation of debt including right to collect and ownership of debt on XX/XX/XXXX. Company responded with bill statement which does not comply with request for validation under fcra law. requested validation again XX/XX/XXXX which company did not respond to. requested proper validation again XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX put something in my credit report for something I didnt get

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: FL

Complaint narrative:
I have noticed some inconsistencies and errors on my consumer report. I have disputed inaccurate information as well as hard inquiries and accounts that shouldn't be on a consumer report that have been used as determining information to assess my credibility without my consent, which has caused wrongful denial to credit. I do not recognize, have ever consent or agreed to, or have authorized any of the companies reporting on my consumer report to furnish, use, or transfer my personal consumer info. Please investigate these, and provide me documentation of the methods you used to get the info, the sources you got the info from, the methods of verification, and and the original agreements or authorizations used to report. Please investigate TransUnion, XXXX and XXXX and i noticed they are all reporting inconsistent and wrong information include different consumer scores and they are reporting that my scheduled payments are not reflecting my paid payments when i have made all my payment son time.

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 2024-09-07 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: FL

Complaint narrative:
I have noticed some inconsistencies and errors on my consumer report. I have disputed inaccurate information as well as hard inquiries and accounts that shouldn't be on a consumer report that have been used as determining information to assess my credibility without my consent, which has caused wrongful denial to credit. I do not recognize, have ever consent or agreed to, or have authorized any of the companies reporting on my consumer report to furnish, use, or transfer my personal consumer info. Please investigate these, and provide me documentation of the methods you used to get the info, the sources you got the info from, the methods of verification, and and the original agreements or authorizations used to report. Please investigate XXXX, Equifax< and XXXX and i noticed they are all reporting inconsistent and wrong information include different consumer scores and they are reporting that my scheduled payments are not reflecting my paid payments when i have made all my payment son time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: AK

Complaint narrative:
I will not be legally forced to pay RELIANT CAPITAL SOLUTIONS through the " Shared Services of Alaska '' system. I can and will pay my debt through Alaska 's courtview system or directly to the State. Since RELIANT has already stopped the collections process and told me to pay through courtview, they are now required to take all of my information out of the system.

Company response to consumer: Closed with non-monetary relief