vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: NC

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as 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 2024-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX / Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. AGREEEMENT must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you Legally own this alleged debt and that it is accurate and complete. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: HI

Complaint narrative:
SIMM ASSOCIATES INC. is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with SIMM ASSOCIATES INC. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. SIMM ASSOCIATES INC. is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: DE

Complaint narrative:
I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: DE

Complaint narrative:
I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
XXXX charge for XXXX was not reversed in my favor when I reported my phone and wallet were stolen. 

There was another charges for XXXX for a hotel that once again i have never used. These charges need to be reversed in my favor. 

This account is with the App Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NJ

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 U.S.C 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 States a consumer Reporting agency can not fresh in account without my written instructions 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish Any information relating To a consumer To any reporting agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: NJ

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 U.S.C 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 States a consumer Reporting agency can not fresh in account without my written instructions 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish Any information relating To a consumer To any reporting agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no knowledge of these inquires on my credit file XXXX XXXX XXXX XXXX XXXX neither did I authorize them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: PA

Complaint narrative:
Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: PA

Complaint narrative:
Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information 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 non-monetary relief
Consumer complaint received 2024-09-13 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: AZ

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX, XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: PA

Complaint narrative:
I need your help with this false account showing up on my credit report. Its impacting my reputation, and I depend on your assistance to resolve this. Due to your errors, my credit standing has been severely affected. You have to correct the wrong details 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
Consumer complaint received 2024-09-13 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: MN

Complaint narrative:
My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX, Acct # XXXX Account : XXXX XXXX XXXX, Acct # XXXX Account : DEPT OF EDUCATIONXXXX, Acct # XXXX Account : XXXX XXXX XXXX XXXX Acct # XXXX Account : XXXX XXXX XXXX XXXX Acct # XXXX Account : XXXX XXXX XXXXXXXX XXXX Acct # XXXX Account : XXXX XXXX XXXXXXXX XXXX Acct # XXXX Account : XXXX XXXX, Acct # XXXX Account : XXXX XXXX XXXX XXXX  Acct # XXXX Account : XXXX XXXX XXXX XXXX, Acct # XXXX Account : XXXX XXXX, Acct # XXXX Account : XXXX XXXX XXXX Acct # XXXX Account : XXXX CARD XXXX XXXX Acct # XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I did a refi installment loan in XXXX of 2022. Although I made double payments and an extra payment, I was charged a {$30.00} late fee and NSF of {$10.00}. I called in to question and was told a bunch of lies. The rep claimed I was late over 2 years ago, and they now want to charge me a late. She claimed that I was charged lates previously and this is not reflecting on their portal. It is very shady and deceptive to hide fees and show payments and how it is applied with interest paid down or accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NY

Complaint narrative:
Date of Birth : XX/XX/year> Last 4 SS # : XXXX XXXX XXXX XXXX : XXXX XXXX Transunion To Whom it May Concern, Account name : XXXXXXXX XXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1400.00}, and an account balance of {$1400.00}, while reflecting XXXX ( zero ) late payment. Additionally the utilization percentage is also inaccurate as 99 % of {$1500.00} is {$1400.00} and not {$1400.00} nor {$1400.00}. 
According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I XXXX XXXX the owner of XXXX XXXX XXXX setout to open business paypal account on date of XX/XX/year> which i did provided all documentations requiured by paypal and they still went ahead to close my account and not give me a tangible reasons as to why it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have previously requested investigation and re-investigation This account was charged off on the following date ( XXXXXXXX XXXX  ) since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account name XXXXXXXX XXXX  XXXX XXXX Account number 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 2024-09-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX, AMOUNT {$510.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$530.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$650.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, XXXX {$770.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$970.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1300.00} XXXX ACCT XXXX XXXX ACCOUNT : XXXX XXXX, AMOUNT {$550.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$520.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$390.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$970.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$950.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$180.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$270.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$680.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$430.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$730.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX, AMOUNT {$6900.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$1300.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX AMOUNT {$1400.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$3900.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$940.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX {$780.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX, XXXX {$1400.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$930.00} XXXX ACCT # XXXX Inquiries : Here is the list with the credit bureau names removed : - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

Company response to consumer: Closed with explanation