vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that has appeared on my credit report. After reviewing my credit report, I noticed an inquiry from [ Creditor 's Name ] that I do not recognize and did not authorize. 

Details of the disputed inquiry : Creditor/Company Name : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Under the Fair Credit Reporting Act ( FCRA ) , I have the right to dispute inaccurate information on my credit report . I did not authorize this inquiry, and I believe it to be either a mistake or a case of identity theft. As such, I kindly request that you investigate this matter and remove the disputed inquiry from my credit report. 

To assist with your investigation, I have enclosed any supporting documentation related to my dispute, including a copy of my credit report showing the inquiry in question. Please notify me in writing once the dispute has been resolved. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, 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 2024-12-29 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, 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 Experian credit bureau 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 an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: EQUIFAX, INC.
State: CA

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 XXXX, 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 XXXX 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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however, the information was not provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, FTC complaint, a copy of the report showing my information in the data breach, and a validation of debt letter.

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 2024-12-29 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however, the information was not provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, FTC complaint, a copy of the report showing my information in the data breach, and a validation of debt letter.

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 2024-12-29 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX balance {$27000.00}, XXXX XXXX XXXX {$66.00}, XXXX XXXX XXXX  balance {$160.00}

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Please see attached. 

Hello, My name is XXXX XXXX. I want to dispute some inquiries on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account : XXXX 15 USC 1592 C states that if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease further communication with the consumer with respect to such debt. Furthermore, I am indigent.

For validation purposes, I am requesting a copy of the original contract bearing my signature, payment history from the original creditor, the name and the address of the original creditor, and proof that National Credit Systems has been assigned or owns this debt. 
There has never been a transaction between this creditor and I. There has also never been a financial transaction between me and the apartment complex. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account : XXXX For validation purposes, I am requesting a copy of the original contract bearing my signature, a payment history from the original creditor, the name and the address of the original creditor, and proof that XXXX XXXX XXXX has been assigned or owns this debt. 

XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX Account : This fee is written as a charge-off on my credit report. That means that the creditor wrote this fee off on their taxes a profit loss. For validation purposes, I request the 1099c I did not receive from XXXX XXXX. Also, I am requesting a copy of the original contract bearing my signature, payment history from the original creditor, the name and the address of the original creditor, and proof that XXXX XXXX has been assigned or owns this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CL Holdings LLC
State: NY

Complaint narrative:
I filed an FTC report for identity theft because my personal information has been exposed in data breach of over XXXX XXXX consumers personal information. I would like to have and appreciate of all accounts showing on my credit report to be removed immediately. Two accounts showing negatively are from Jefferson Capitol Systems ( Original creditor XXXX XXXX  ) with partial account numbers showing XXXX, ( Original Creditor XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
Complaint Summary : I am filing this complaint against XXXX for their failure to properly verify account ownership, resulting in the opening of fraudulent accounts using my personal information. This has caused significant financial harm and damage to my credit report. 

Details of the Complaint : XXXX. Fraudulent Activity : A fraudulent account was opened with XXXX using my personal information under the name XXXX XXXX XXXX, which is not my legal name. My legal name is XXXX XXXX. 
I have never authorized or initiated any accounts or activity with XXXX. 
XXXX. Identity Theft : I am a victim of identity theft, as documented in my FTC Identity Theft Report and XXXX Complaint. 
XXXX has failed to investigate or resolve this issue despite clear evidence of unauthorized account activity. 
XXXX. Impact on My Credit : This fraudulent account has negatively impacted my credit report, causing significant distress and financial harm. 
XXXX  lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires creditors to investigate disputes and ensure accurate reporting. 

Desired Resolution : I request the CFPB to compel XXXX to : XXXX. Investigate and Remove the Fraudulent Account : Immediately investigate and remove all accounts and activity associated with my identity without authorization. 
XXXX. Provide Documentation of Account Activity : XXXX should provide evidence of how and when the account was opened, including the identification used. 
XXXX. Confirm Resolution in Writing : XXXX must confirm in writing that the fraudulent account has been removed and that I am not liable for any associated charges or obligations. 
XXXX. Prevent Future Identity Theft : XXXX should implement stronger identity verification processes to prevent similar issues in the future. 

Supporting Documents : To support my claim, I am prepared to provide the following : FTC Identity Theft Report XXXX Complaint Report Copy of my government-issued ID confirming my legal name is XXXX XXXX XXXX XXXX XXXX  failure to act on clear evidence of identity theft and fraudulent activity has caused undue stress and harm. I trust the CFPB will ensure XXXX fulfills its obligations under the law and resolves this matter promptly. 

Please contact me at XXXX or XXXX if additional information is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer 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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Unfair Charges and Mismanagement by BrightWay Credit Card Details of My Complaint : On XX/XX/2024, I used my BrightWay credit card to rent an XXXX for a total of {$2200.00} ( {$1700.00} + {$440.00} ). On XX/XX/2024, I decided to cancel the reservation and contacted OneMain Financial to notify them that the XXXX provider would be refunding the amount to my account. OneMain Financial assured me that once the refund was processed, the overage amount would be mailed to me, and there would be no additional charges. 

Shortly after, I received an overage refund check for {$2000.00}. However, when I logged into my account to verify my balance, I noticed a charge of {$44.00} had been posted. I immediately contacted OneMain Financial to understand this charge, and I was informed that it was due to a " cash advance '' taken on my account. 

This explanation did not make sense to me because I had not requested or authorized a cash advance. Upon reviewing the BrightWay app on my phone, it indicated that cash advances can only be performed at an ATM using a PIN and selecting the cash advance option, which I never did. I raised my concern with BrightWay, and an employee assured me the issue was corrected, and the charge was removed. 

To my surprise, on XX/XX/2024, the exact same {$44.00} charge reappeared on my account. This recurring charge is causing me great concern, as it could result in overdraft fees or late payments when my other scheduled payments are processed. 

Why I Believe This Is Unfair : I did not authorize or initiate a cash advance. 
Despite assurances from BrightWay that the issue was resolved, the charge reappeared. 
The repeated posting of this charge, coupled with the lack of clear communication and accountability from BrightWay, suggests possible mismanagement or unfair practices. 
This situation has caused unnecessary stress, and I feel as though BrightWay is taking advantage of me by imposing unauthorized charges on my account. 

Requested Resolution : I am requesting a thorough investigation into this matter and for the {$44.00} charge to be permanently removed from my account. Additionally, I ask that BrightWay ensure no future unauthorized charges occur and take measures to improve their customer service and billing practices. 

I have attached pictures from XXXX that document the dates and details of these transactions as evidence for your review. 

Thank you for addressing this matter promptly. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
Hello, I am writing to dispute fraudulent information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate reporting and the removal of any information resulting from identity theft or fraud. 

The following accounts have been fraudulently opened or contain information that is not attributable to me : XXXX XXXX XXXX XXXX - XXXX a. Issue : Fraudulent account not authorized by me. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX a. Issue : Fraudulent account not authorized by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX a. Issue : Fraudulent account not authorized by me. 

XXXX. XXXX - XXXX a. Issue : Fraudulent account not authorized by me. 

XXXX. XXXX - XXXX a. Issue : Fraudulent account not authorized by me. 

XXXX. XXXX XXXX XXXX - XXXX a. Issue : Fraudulent account not authorized by me. 

I have attached the following supporting documents to substantiate my claim : A police report confirming the identity theft incident. 
A fraud affidavit detailing the unauthorized accounts. 

Additionally, under 15 U.S.C. 1681c-2, I formally request the removal of these fraudulent accounts from my credit report. This section of the FCRA ensures that credit reporting agencies must block information resulting from identity theft within XXXX business days of receiving sufficient proof, including : XXXX. Proof of identity. 
XXXX. A copy of the police report. 
XXXX. A detailed statement of the fraud. 

Attached to this dispute are : - A copy of my government-issued ID. 
- Proof of address. 
- A copy of the police report and fraud affidavit. 

I request the removal or blocking of these accounts as required by law. Please confirm receipt of this dispute and notify me of any action taken to resolve it. Should you need additional information, please contact me promptly. 

Thank you for your assistance in resolving this matter and ensuring compliance with the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-29 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: LA

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 NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX years. 

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.

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 2024-12-29 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: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX years. 

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.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
please investigate the bankruptcy it doesnt look correct and shouldnt be on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief