vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: NJ

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13 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: NJ

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I also submitted a debt collection complaint for the company this collector is representing, XXXX. I had never received a bill from the original company, nor an email, nor a phone call to know if I even had a debt. My account was closed and paid in full over the amount of the said bill. I have a forward in with the mail and informed consent delivery, so I have never seen or received anything from XXXX. So today I got a text from this company called IC System telling me I owed a debt and to click on a link. I thought it was a scam so I called XXXX to tell them and sure enough they said they sold the debt without even telling me in any way or giving me a right to dispute it. I asked them why they would go to this extreme when I was a customer for 10 years and they had all my info? They said they would usually send out a final bill and courtesy call, but in this case that wasn't certain. They never said anything was attempted. XXXX wouldn't take payment because it had been sold. I have had identity theft and fraud and this is completely negligent and unprofessional for them to sell my account. Furthermore, the debt collector IC systems wanted me to click on a link to enter my zipcode as a password. I don't even know who these people are, I never saw any verification letter and how do I know some tracking device or malware isn't going to be put on my phone. I want restitution for this ridiculous matter that could have been taken care of if I knew about it. I am not paying a debt collector, not am I giving any info to someone for something I don't owe.

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 2023-12-13 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: KY

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13 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:
My social security number is XXXX On XXXX  credit report and equifax Credit report and XXXX XXXX report there are negative items that supposed to be blocked from my credit report I have filed a federal trade commission identity theft report on file please have XXXX  and equifax and XXXX XXXX removed these negative items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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:
My social security number is XXXX On experian credit report and XXXX Credit report and XXXX XXXX report there are negative items that supposed to be blocked from my credit report I have filed a federal trade commission identity theft report on file please have experian and XXXX and XXXX XXXX removed these negative items from 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I tried to send XXXX to XXXX XXXX but instead the money was sent to XXXX XXXX and when I realized there was a mistake with the name immediately requested a refund which was denied. I called the Wells Fargo phone number on my ATM card and was told that they would investigate the matter. once I received a letter denying my dispute called again and was told to contact XXXX XXXX only to receive a lecture on how I need to pay attention to the picture. That did not resolve the issue and no one cared even when I went to the Wells Fargo branch in person to complain. I said I would close my account with them and that didn't matter either since they are not the one who is XXXX years old loosing XXXX on a whelm. 

I feel that the person who said they would investigate the matter should have told me to contact XXXX XXXX and that XXXX XXXX needs to refund my money since they have the persons information on file who erroneously received my money knowing that it was not intended for them since I immediately requested a refund.

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 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company by the name of Jefferson is reporting on my credit report, I have disputed this account multiple and it keeps coming back verified without sending me the information I requested.I have never had an account with this company and never gave them permission to report on my credit profile I have request a debt validation letter and a contract and the company will not provide that I would like a debt validation letter and a contract with my signature and a 1099 something. I have noticed multiple violations on my credit report from this company as well, along with their unpredictable reporting. I never have never done any type of business with this company. And will also be suing for defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: U.S. BANCORP
State: GA

Complaint narrative:
I am writing on XX/XX/2023 with a response to recent correspondence regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of the debt mentioned in your correspondence and request that you provide validation by providing the following information : 1. Verification of the original creditor 's name and address.

2. Documentation confirming the existence and validity of the debt, including the amount owed.

3. Copies of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt.

4. Verification of the license to collect debt in my state.

Please note that I am requesting the validation of this debt and not merely verification that you have my contact information, or a basic statement of the amount owed. 
Until such time as you are able to provide validation of this debt, I request that all collection activities, including communication by phone or mail, cease. Please communicate regarding this matter in writing only. 
I also request that any negative reporting to credit reporting agencies be suspended until this matter is resolved. 
Please respond to this validation request in writing within 30 days from the date of receipt of this letter. Any further collection activities without validating this debt will be considered a violation of the FDCPA.

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 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a loan, in order to Purchase a Vehicle. The action, the company took, was to Deny me an Extension of my Consumer Credit.

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 2023-12-13 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: NY

Complaint narrative:
I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XXXX ] for my Loan account. Two credit bureau reported this. I submitted proof I did not pay late.

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 2023-12-13 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: NY

Complaint narrative:
I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XXXX ] for my Loan account. Two credit bureau reported this. I submitted proof I did not pay late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: NY

Complaint narrative:
I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XXXX ] for my Loan account. Two credit bureau reported this. I submitted proof I did not pay late.

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 2023-12-13 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: OR

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my consumer report i have called them multiple times and disputed all of the names on my report as well as all of the in accurate addresses and phone numbers and XXXX XXXXXXXX continues to switch who they are getting their information from first it was the post office now it is the XXXX after i told them the post office is not reporting my information at all neither is the XXXX but XXXX XXXX continues to report the wrong information i only have one name and one address the addresses and other name listed are not accurate yet they continue to report it as such also i have not given my written permission for XXXX XXXX to share my information with any third parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my consumer report i have called them multiple times and disputed all of the names on my report as well as all of the in accurate addresses and phone numbers and XXXX XXXXXXXX continues to switch who they are getting their information from first it was the post office now it is the XXXX after i told them the post office is not reporting my information at all neither is the XXXX but XXXX XXXX continues to report the wrong information i only have one name and one address the addresses and other name listed are not accurate yet they continue to report it as such also i have not given my written permission for XXXX XXXX to share my information with any third parties

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 2023-12-13 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 sincerely appreciate the effort you've dedicated to ADDRESSING some of the fraudulent items in my file arising from an alleged identity theft. However, there are still ITEMS remaining that require attention. Once again, I find myself a victim of identity theft, prompting this request to ELIMINATE the ITEMS from my credit file linked to this alleged identity theft. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items no later than 4 business days after XX/XX/2023. This matter has been previously addressed in my earlier communication and is reiterated here with a new FTC REPORT # XXXX. The information you provided on these items is UNKNOWN to me, having been REMOVED from other bureaus, and I harbor doubts about their accuracy : -- -- -- -- -- -- -- EXPERIAN -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX - XXXX XX/XX/2023 -- -- -- -- -- -- -- XXXX XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-12-13 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: AL

Complaint narrative:
I continue to have a problem with Transunion reporting Public records that I DO NOT have and at this point they are now defaming my character, CAUSING MENTAL ANGUISH, STRESS as well as VIOLATING the FCRA compliance and accuracy laws. 

Per the TRANSUNION website it clearly states the following Public Records Important information about public record item ( s ) on TransUnion Credit Reports TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. website Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. TransUnion continues to report bankruptcy public records on credit reports. For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //transunionconsumers.lexisnexis.com/ SO why is it that they are telling me they verified these public records through the COURT this is false, misleading information and I have provided proof that it was not verified through the XXXX XXXX  XXXX take this off my report IMMEDIATELY!!!! I also have additional documents from XXXX from another compliant I filed after Transunion repeatedly stated this is verified and I will seek legal litigation if this is not deleted!!!

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 2023-12-13 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13 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: NJ

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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