vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$0.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.

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 2024-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Certainly! Heres a letter you can use to address your situation with the Consumer Financial Protection Bureau ( CFPB ) regarding the XXXX XXXX account, now owned by Waypoint Resource Group LLC : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Request for Removal of Debt Due to Identity Theft and XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit accounts. I am a protected individual under the XXXX XXXX XXXX XXXX  ( XXXX ), and I am dealing with severe consequences related to XXXX XXXX and identity theft. 

**Account Details : ** - **Original Creditor : ** XXXX XXXX - **Current Owner : ** Waypoint Resource Group LLC - **Address for Waypoint Resource Group LLC : ** XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX **Amount Owed : ** {$660.00} **Background and Request for Resolution : ** During my time living in West Virginia, I was subjected to extreme XXXX XXXX by XXXX XXXX, who is also the individual listed in the XXXX XXXX XXXX I am submitting . This XXXX  included XXXX  XXXX, XXXX XXXX, and severe harassment. Notably, XXXX XXXX stole my identity, which has led to the creation of unauthorized accounts in my name, including the one with XXXX XXXX. 

I have never had any knowledge of, or involvement with, the account in question. The XXXX  and identity theft have significantly impacted my financial situation and have caused me immense distress. 

**Requested Action : ** - **Removal of Debt : ** I request that the account originally with XXXX XXXX  XXXX now held by Waypoint Resource Group LLC , be removed from my credit report. The account was fraudulently created due to identity theft perpetrated by XXXX XXXX during the course of the XXXX. 
- **Review and Adjustments : ** I ask for a thorough review of my situation and the removal of any related negative entries from my credit report that stem from this identity theft. 

Attached, you will find relevant documentation, including the XXXX XXXX XXXX and evidence supporting the identity theft and XXXX. I hope this information clarifies my situation and supports the request for removing this debt from my record. 

I appreciate your prompt attention to this matter and your understanding of the severe impact these circumstances have had on my life. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation. 

Thank you for your assistance and consideration. 

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 2024-09-15 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 pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-09-15 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
A person attempted to legally serve documents. Upon asking who they were they said they represented XXXX XXXX. The person left a stack of papers at the door and left. The papers left behind appeared to claim a legal action had been initiated. No legal action had been initiated when investigated on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
While my XXXX XXXX was still XXXX I decided to go and get the cheapest truck in XXXX the XXXX XXXX. I went to XXXX XXXX in XXXX XXXXXXXX XXXX. They pulled my credit XXXX XXXX in XXXX day. Then they personally financed me through XXXX XXXX XXXX at a higher cost of the vehicle I wanted I even gave a {$XXXX} down payment. I found out about the XXXX hard hits when the denials came in the XXXX XXXX. I then wrote to ALL of the creditors asking for the removal of the hard hits. As they were ALL done on the same day. The creditors that responded to me requested a letter from XXXX XXXX explaining their actions. I went to the dealership to get some sort of letter to send to these creditors. I just got a run around. And their XXXX XXXX sent me a XXXX page letter showing that I signed. Well my credit was hit before I signed any purchase contract. By then the damage was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
dear credit burau i just recently looked at my credit report. i saw hard inquiries that did not have permissible purpose can u reinvestigate the inquiries listed below. [ XXXX XXXX XXXX ] : date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXX XXXX XXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXXXXXX XXXX XXXX  ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXXThis inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B

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 2024-09-15 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: TX

Complaint narrative:
dear credit burau i just recently looked at my credit report. i saw hard inquiries that did not have permissible purpose can u reinvestigate the inquiries listed below. [ XXXX XXXX XXXX ] : date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXXXXXX XXXX XXXX XXXXXXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXXXXXX XXXX XXXX XXXX  ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXXThis inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc.
State: VA

Complaint narrative:
I had a phishing text message on my phone from someone who said they were my loan office at XXXXXXXX XXXX serviced by Valon. It mentioned a recent inquiry. Asked me if I need a new mortgage. I thought oh here we go again with these phishing texts as usual. I got alarmed when I discovered something was wrong with my Valon account when I tried to log into it. And into it online. I then realized it's two separate logins, so it didn't take my login id and password because I did not create one of them. I discovered something was wrong with my account on XX/XX/year>. Like seriously wrong. 

From my accounting information on a statement for XX/XX/year> for a late fee and the amounts that were being displayed. And then was told by XXXX XXXX that they would not correct my account on XX/XX/year>, until I make my XXXX payment, this account was current for XXXX And I also have a 15-day grace period. 

I felt helpless and afraid of what else could or go wrong with my account that would cause me more distress. After hanging up later I went on and made the payment for XXXX on Friday, XX/XX/year>. Also when a customer makes an online payment. Valon does not send an auto email to their clients with a confirmation number of your payment. So if you didn't take a screenshot or write it down shame on you. I feel violated by the two mentions stated above. See attachment for more details. 

This is a followup continuation to be added to complaint ID XXXX which was submitted on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove the off of my credit report. This issue is causing undue stress and is negatively impacting my financial standing.

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 2024-09-15 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: SC

Complaint narrative:
I have no knowledge of this account and have never conducted any transactions with [ Creditor ]. I have reviewed my financial records, and there is no history of this debt in my name. I believe this may be a case of mistaken identity or inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
In XX/XX/2023, I was contacted by a representative of the scam company ( named XXXX ) through XXXX with the intention of engaging in legitimate trading activities. Initially, the company presented itself as a reputable and trustworthy entity, promising significant returns on investment through various financial instruments, including cryptocurrency trading. 
Throughout our interactions, communication primarily took place via XXXX XXXX, being instructed I transferred totally XXXX XXXX  and XXXX XXXX to the scam platforms. All the transactions were facilitated using Crypto.com and XXXX. These transactions were conducted with the expectation of receiving high returns on my investments. 
However, my concerns began to escalate when communication disappeared. Despite numerous attempts to reach out to the company, there has been no response. 
Matters took a concerning turn when I attempted to withdrawal the funds. Instead of facilitating these requests promptly, I encountered a series of excuses, unexplained delays, and requests to communicate with unfamiliar individuals purportedly responsible for facilitating deposits. This prolonged absence of contact and failure to address my concerns have left me deeply troubled and increasingly convinced of the possibility of fraudulent activity. I am gravely concerned about the status and security of my funds, as well as the integrity of the entities through which these transactions were conducted. 
Feeling increasingly suspicious about these escalating demands, I expressed my concerns and requested a refund multiple times. However, instead of addressing my concerns, they simply banned my account, leaving me unable to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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 been told to write a letter because I am a Survivor of XXXX XXXX. 
I am in a desperate need to fix this problem since I am trying to get things in order The Accounts that I put below are due to XXXX XXXX  : Please remove these accounts so I can start taking steps to getting my life back together. 
Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNT THAT Is FRAUD DUE TO XXXX XXXX  : XXXX. XXXX  XXXX XXXX -Fraudulent Account Opened XX/XX/XXXX Account Balance : {$XXXX} THE FOLLOWING INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt 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 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I was contacted by a representative of the scam company ( named XXXX ) through XXXX with the intention of engaging in legitimate trading activities. Initially, the company presented itself as a reputable and trustworthy entity, promising significant returns on investment through various financial instruments, including XXXX  trading. 
Throughout our interactions, communication primarily took place via XXXX XXXX, being instructed I transferred totally XXXX XXXX  to the scam platform. All the transactions were facilitated using XXXX and Bitstamp. These transactions were conducted with the expectation of receiving high returns on my investments. 
However, my concerns began to escalate when communication disappeared. Despite numerous attempts to reach out to the company, there has been no response. 
Matters took a concerning turn when I attempted to withdrawal the funds. Instead of facilitating these requests promptly, I encountered a series of excuses, unexplained delays, and requests to communicate with unfamiliar individuals purportedly responsible for facilitating deposits. This prolonged absence of contact and failure to address my concerns have left me deeply troubled and increasingly convinced of the possibility of fraudulent activity. I am gravely concerned about the status and security of my funds, as well as the integrity of the entities through which these transactions were conducted. 
Feeling increasingly suspicious about these escalating demands, I expressed my concerns and requested a refund multiple times. However, instead of addressing my concerns, they simply banned my account, leaving me unable to access my funds.

Company response to consumer: Untimely response
Consumer complaint received 2024-09-15 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: MS

Complaint narrative:
As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Credit Reports. I have NEVER opened or used the following account name : XXXX XXXX XXXX Account number : XXXX Account open : XX/XX/year>. I dont recognize the following accounts in question. Im a victim of identity theft and I dont know this account on my report. Im requesting the following information be deleted from my Credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-09-15 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: FL

Complaint narrative:
Recently I looked at copy at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my undestanding that you Will investigate these item for me tu ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXXXXXX

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