vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 explanation
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I reached out to Afterpay in regard to a refund that was sent back to a bank account ending XXXX with XXXX XXXX which is closed. I had a repair done with XXXX  in XX/XX/year> and used after pay for the payment. A few weeks later the repair didn't fix the problem and I had to replace my whole window. XXXX refunded the payment of XXXX back to afterpay it was a total of 4 payments. 2 was payed with the debit card for the account that ended in XXXX. I received that portion of the refund from XXXX XXXX in form of check. I then reached back out to XXXX XXXX  and they told me the ACH returns were rejected on XX/XX/year> and I needed a trace number which is 15 digit of just numbers to help them see were the money is. I reached back out to Afterpay  and informed them of this they gave me a ARN numbers XXXX for XXXX and XXXX for XXXX as well. I informed them that bank states that this is not the number and the employee name XXXX insisted it was even sending me what an ARN number is which states it is for a credit or debit card transaction. So I spoke with the bank and they send me a trace number ( XXXX ) that Afterpay did have when sending me back a refund for XXXX on XX/XX/year> for an ACH payment. Afterpay states they need an official letter from the bank ( XXXX XXXX ). XXXX XXXX states I need the 15 digit trace number and neither can help me with anything else until they have what they need. So now I am filing because without help no one would do what is needed for the other one. To date to my money still has not been refunded and they are now asking me for the same trace number I do not have because once again the account is closed. I have now been told 2 times in the past two weeks that the issue has been escalated again to the finance department. I was also told they were about to close my case because I didnt respond. I have responded right away to all emails. XXXX is the one now that keeps asking for tracing number and escalating to finance I am tired just refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal loan account opened at XXXX, XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent Charge Off appearing on my consumer FICO credit report with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX, XXXX. This account have resulted in several fraudulent hard inquiries in the past, fraudulent collections and fraudulent Charge Off appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection or Charge Off related to this account as reported. The aforementioned account, collection, and Charge Off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection and Charge Off are the result of Identity Theft and Fraud. I have attached an Affidavit of Truth regarding the fraudulent XXXX, XXXX accounts and also i have attached copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and Charge Off are the result of identity theft and fraud. Please Remove and Delete this account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXXg of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit accounts and collections are the results of identity theft and fraud.

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 2024-12-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX XXXX Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the US Dept ED with balance of {$4900.00}, US Dept ED with a balance of {$2500.00}, 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 XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-19 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: OH

Complaint narrative:
The credit bureaus are not reporting the same information. There are multiple accounts that are incorrect on my transunion and XXXX due to my information being stolen in XXXX  while someone tried to put a car in my name, I have filed a police report because their information and mine was merged and I need their information taken off of my credit profile. There are multiple child support accounts on my transunion and XXXX with different account numbers, credit cards, and internet accounts that are not mine. I have provided a copy of the police report and filed disputes, yet my concerns have been ignored nor taken seriously. Along with my information being in XXXX data breach. 
Accounts- child support enforcement ( XXXX ) Child support enforcement ( XXXX ) Child support enforcement ( XXXX XXXX XXXX XXXXXXXX XXXX no account number provided ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) And there are jobs that I have never worked at on my profile that need to be removed.

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 2024-12-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2024-12-19 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX XXXX, DE XXXX Subject : Debt Validation Request Account # : XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting validation of this debt. Please provide me with detailed and verified information about the debt to ensure its legitimacy and accuracy.

Additionally, I want to inform you that I believe this account may be fraudulent and not mine. As such, I request a thorough investigation and verification of the account to confirm whether it is legitimately associated with me. 
Specifically, I request the following information : 1. Validation of the debt : Provide the name and address of the original creditor, along with a detailed accounting of the debt, including the original amount, any interest, fees, or charges added, and the date the debt was incurred. 
2. Proof of your authority : Supply documentation that confirms your legal right to collect this debt, including a copy of the agreement between your agency and the original creditor, if applicable.

3. Verification of my obligation : Provide a copy of the agreement or contract that forms the basis of the debt and includes my signature, if available. 
4. Any judgments : If there are any court judgments associated with this debt, include certified copies.

5. Proof of account legitimacy : As I suspect this account may be fraudulent, please provide documentation verifying that the account is indeed mine and was not opened or used fraudulently.

This request is not a refusal to pay but a notice that your claim is disputed. Until you provide the requested validation, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. If the debt has already been reported, please inform the credit bureaus that the debt is in dispute until it is validated. 
Additionally, please note that any further communication regarding this matter must be in writing. Phone calls or other forms of harassment will not be tolerated. 
Please respond to this request within 30 days of receipt of this letter. If you are unable to provide the requested validation, I expect you to cease collection efforts and confirm in writing that the debt has been discharged. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXt Final Rule 002.142 ( b ) ( 4 ) -5 -- 1002.42 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I listed accounts to be blocked and deleted company information Transunion. Please delete the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Inaccurate closed account reporting. 

I am disputing the reporting of an old, closed account with XXXX XXXX XXXX. The account information is incorrect due to the following reasons : The account remains on my credit report beyond the reporting period allowed by law ( over 17 years as it was closed in 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have identified unauthorized accounts on my credit report that may have been added without my consent, potentially due to identity theft. Please remove these fraudulent entries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: NJ

Complaint narrative:
Im disputing the XXXX XXXX account reporting by Experian because its incorrect. The account is being reported as " Current, was past due 30 days, '' but Ive always paid on time. This is clear because the other credit bureau, XXXX, is reporting it correctly as " Pays account as agreed. '' This mistake goes against the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy under 15 U.S. Code 1681e ( b ). Experians error is causing me harm and needs to be fixed. This kind of incorrect reporting can lead to fines under FCRA 616 and 617, which allow up to {$1000.00} per violation for willful noncompliance. This wrong information is hurting my credit and doesnt match what the other credit bureau is showing. Im asking Experian to fix the status of this account to " Pays account as agreed '' and send me proof that its been corrected.

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 2024-12-19 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: SC

Complaint narrative:
Errors in my credit report include unauthorized inquiries, which are against 15 USC 16c-2. Kindly correct this by removing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: IN

Complaint narrative:
I just recently looked at my credit report XXXX XXXX saw some hard inquiries that did not have permissible purpose.I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those inquiries has no permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1681B.

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 2024-12-19 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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