vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
My information was stolen and was used without my knowledge. Ive been harassed about this collection and been threatened by email and phone calls. According with the fair credit reporting act convergent account and has violated my rights. U.S.C 1681 section A. States I have a right to privacy. U.S.C 1681 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. U.S.C 1666B : A Creditor may not treat a payment on a credit card account under end consumer credit plan as late for any purpose.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Personal information such as names employers addresses phone numbers and other variants that are not accurate are not being removed as they do not belong to me..

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
XX/XX/2021 ONEMAIN XX/XX/2021 ONEMAIN NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I recently discovered that your company ran an unauthorized report on me XXXX AND XXXX. 


I have not initiated any transaction with. ONE MAIN Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONE MAIN for review or collection. 


1. I am now requesting the permissible purpose documents under 15 USC 1681B. 

15 U.S. Code 1681b - Permissible purposes of consumer reports. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My XXXX credit report is still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX all of which are fradudlent. 
My XXXX  credit report is still reporting 5 XXXX XXXX  XXXX XXXX accounts, XXXX XXXX XXXX XXXX. Last, my Equifax credit report is still reporting 2 XXXX XXXX XXXX XXXX accounts. Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INCXXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My XXXX credit report is still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX all of which are fradudlent. 
My Experian credit report is still reporting 5 XXXX XXXX  XXXX XXXX accounts, XXXX XXXX XXXX XXXX. Last, my XXXX credit report is still reporting 2 XXXX XXXX XXXX XXXX accounts. Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX, stress, and financial hardship.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 


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.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 


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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had Home Depot, and Best Buy cards both issued by Citibank CBNA. 
At the beginning of the Covid Pandemic, I received phone calls. 
I explained due to the pandemic I am unable to pay, and I also had a XXXX XXXX. 
While waiting for XXXX, and that I would pay in full once I received XXXX. 
They agreed, and put me on a deferred payment, all the while reporting me for non payment. 
When I received the XXXX, I paid both cards in full. 
Now that I looked at my credit score they got me with all kinds of late payments etc This destroyed my credit rating, and I would like both a letter of satisfaction from their debt collectors. 
I would also like to have that false reporting removed. 
Thank you.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I no longer reside at any of the following addresses : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX These addresses are on my credit report # XXXX Need these addresses removed immediately My only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please update soon as possible

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 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Syncapay, Inc
State: TX

Complaint narrative:
XX/XX/2022 : I received a {$25.00} virtual XXXX XXXX XXXX XXXX XXXX XXXX from XXXX and registered it to my prepaiddigitalsolutions.com account. At that time, the {$25.00} XXXXXXXX ( ending in XXXX ) was visible in my account. [ See XXXX XXXX email files ] XX/XX/2022 : I received an email from prepaiddigitalsolutions.com about identity verification that purported to be in response to a request from me. I made no such request. I logged into my prepaiddigitalsolutions.com account, and the {$25.00} XXXX was no longer visible in my account. I had not yet used the card for any purchases. [ See XXXX email file ] XX/XX/2022 : I called the customer service number ( XXXX ) to inquire. They told me that they were investigating some kind of fraud alert and that the investigation should be concluded XXXX business days, after which access to my VGC would be restored. 

XX/XX/2022 : After 12 business days, I still did not have access to the {$25.00} XXXX, so I contacted prepaiddigitalsolutions.com by email through their web site to request a status update. In return, I received a message saying that a customer support member would respond in 2 business days. [ See XXXX email file ] XX/XX/2022 : I received an email from prepaiddigitalsolutions.com asking me to either call customer service or reply by email to provide more detail. [ See first XXXX email file ] XX/XX/2022 : I also received a second email saying that they would contact me within 5 days if they needed more information. [ See second XXXX email file ] XX/XX/2022 : I received an email requesting identification documents ( copies of drivers license and utility bill showing my residential address ). I provided these documents to prepaiddigitalsolutions.com through the upload link in their email. [ See XXXX email file ] XX/XX/2022 : I received another email requesting identification documents ( copies of drivers license and utility bill showing my residential address ). Again, I provided these documents through the upload link in their email. [ See XXXX email file ] Since that time, they have not restored access to my {$25.00} VGC. I have not been able to use the card for any purchases, so the balance should still be {$25.00}. I have attempted to use it for a purchase multiple times and been declined each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX  XXXX Bankruptcy Ref # XXXX, have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX  XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I am a victim of identity theft. I did not open a XXXX XXXXXXXX XXXX card or a checking account with Barclays. I have communicated in writing and made several telephone calls asking for assistance. I was transferred up to six times within 2.5 hours of being on the telephone with multiple representatives with Barclays and got no resolution. At the last minute, the lady from the fraud dept said, " my computer is frozen. Can you call back in an hour? '' I called back in an hour only to be told I had the wrong dept and transferred me to another representative.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has the wrong name on my account, XXXX  XXXX XXXX has XXXX of charges that ares not mine and would like to report. XXXX XXXX needs to be looked Into. My XXXX XXXX  I am trying dispute

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity and information was exposed during the XXXX  XXXX breach therefore this account was opened fraudulently without my knowledge so now its showing negative marks on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Went to Wells Fargo and XXXX XXXX XXXX to open a checking account, they denied me to being able to open account. I got a report from XXXX XXXX and nothing is on file. I go a report from back and got denied but it doesn't say why I am being denied. I have ran XXXX credit file and I see nothing that would impact me from opening a bank account.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION. PLEASE DO NOT PUT ANY HARD OR SOFT INQUIRIES, OR CREDIT CARD ACCOUNTS UNTIL YOU CONTACT MY CELL PHONE NUMBER AT XXXX VERIFYING WHETHER IT IS ME THAT DID APPLY FOR OR OPEN A CREDIT CARD ACCOUNT. I AM A VICTIM OF IDENTITY THEFT, FRAUD, AND UNAUTHORIZED ACTIVITIES THAT ARE CURRENTLY OR HAVE PREVIOUSLY BEEN PLACED ON MY CREDIT REPORT TRYING TO PROTECT MY IDENTITY, AND MY SAFETY WHEN IT COMES TO FRAUD, UNAUTHORIZED ACTIVITIES,, AND IDENTITY THEFT.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I no longer reside at any of the following addresses : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These addresses are on my credit report # XXXX Need these addresses removed immediately My only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please update soon as possible

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I no longer reside at any of the following addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These addresses are on my credit report # XXXX Need these addresses removed immediately My only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Please update soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.

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