vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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:
Personal Statement Regarding Identity Theft I am writing to report that the following accounts were fraudulently opened in my name without my knowledge or authorization. Upon reviewing my credit reports, I discovered these unauthorized accounts, which I believe are the result of identity theft : XXXX XXXX, Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX, Account : XXXX XXXX  XXXX, Account : XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXX  XXXX, Account : XXXXXXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXX, Account : XXXXXXXX XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX, Account : XXXX XXXXXXXX XXXX XXXX, Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX, Account : XXXX / XXXXXXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX I did not authorize any of these accounts, and I am not responsible for them. I am a victim of identity theft and request that these accounts be thoroughly investigated and removed from my credit report as they are fraudulent. 

Additionally, these fraudulent accounts have led to several unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the specific hard inquiries in question, along with a copy of the consumer FICO credit report maintained by you that displays these fraudulent items. I do not recognize the listed accounts, collections, or hard inquiries, and I affirm that none of them were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

As further evidence, I have attached a copy of the FTC Identity Theft Criminal Complaint ( Case Number : XXXX ) to confirm that the fraudulent accounts, collections, and hard inquiries were filed with the U.S. Federal Trade Commission as identity theft-related.

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

Please advise me on the necessary steps to resolve this issue and correct my credit report accordingly. Thank you for 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 2024-10-23 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: LA

Complaint narrative:
This Vehicle was involved in a car accident not at my own fault XXXX XXXX. As a result the car was towed and later totaled by insurance. In the months of XXXX, XXXX AND XX/XX/year> Payments were still made on this loan in full by bank auto draft even without the car being in my possession due to the major accident.XXXX  XXXX also notified me when contacted by me that my car had been repossessed the day after payment due date even after a payment was made. As proof on my payment history I have always paid XXXX  XXXX and one time every time. Even without the car in my possission due to auto accident.As a result I was reported to credit bureau for negative response.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I purchased an item from XXXX XXXX online on XX/XX/24 for a TOTAL of {$310.00}. The item arrived damaged and did not work, so I requested a refund. I attempted to get a refund on XXXX different occassions, but they just kept telling me that their system wouldn't authorize a refund or a XXXX, and they couldn't tell me why. They had no idea why it wouldn't process the refund, so they said the only option was to dispute the charge with the credit card company, which is what I did, over 3 months ago. I have NEVER gotten any notification from Wells Fargo about the status of teh refund, but I called them today for an update and they told me the dispute had been closed out because XXXX XXXX issued me a credit, but that was not true. And Wells Fargo never sent me anything stating they closed the claim, or I would have contacted them earlier. I even went online to check the messages on my account, and Wells Fargo never sent me anything, so that was another lie. Wells Fargo then sent me an email stating that XXXX XXXX had credited my account for {$320.00}. That refund was for a COMPLETELY DIFFERENT ITEM. That had nothing at all to do with the billing dispute I filed, so why was the matter closed? Also, why would XXXX XXXX issue a refund for an amount that was great than the billing dispute? That would mean they refunded me MORE than what they charged me. That's just common sense that those two issues are different issues. So I still have not gotten my refund or credit of {$310.00} after 3 months. This is not the first time that Wells Fargo has told me, and the CFPB, that I have gotten a credit that I have never received. So why would they close a dispute that was for a completely different amount, and why would they close a dispute without even telling me? I have emails/texts from XXXX XXXX telling me to dispute the charge, but Wells Fargo never asked me for any of that. They just do whatever is easiest, which is always NOTHING.

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 2024-10-23 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
how can a loan be sold out to so many places an tack on all these fees and change original contract went from XXXX-bayview-community-XXXX XXXX  XXXX expecially when my loan/lien was released through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: UT

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-23 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: AL

Complaint narrative:
On XX/XX/year> I looked at my credit report, and I noticed some inaccuracies. I sent a letter to Equifax on XX/XX/year> asking them to investigate these accounts XXXX XXXX into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and sent it out. They never responded but according to 15 USC 1681i ( 5 ) I see it states after any reinvestment under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. Unfortunately, Equifax did not reinvestigate and violated my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
sent letter on XX/XX/year> requesting debt validation. company has never responded to my letter. I believe this to be a violation of 15 U.S. Code 1692g. I have provided a copy of the letter sent to the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: OH

Complaint narrative:
Writing to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove the following unauthorized hard inquiries from my credit report : 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the partial digits of the account reported on your credit report identified as : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX The partial digits of this account number are incorrect, and your previous investigation did not resolve this inaccuracy ( Report # XXXX from XX/XX/year> ) and CFPB Complaint No. 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 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have an ongoing dispute with misleading claims and dropped claims that resulted from the scam that happened to me. I filed a complaint. It clearly says there will be a resolution by XX/XX/year>. I even received a call, yesterday out of the blue from Pay Pal. The gentleman ( XXXX? ) assured me I would hear from them. He also said he would be emailing me with his contact info. I somehow got the idea it might be in the resolution of my CFPB complaint. Nothing, crickets, it is currently XXXX EST. And I see that is a non monetary settlement which is not what was discussed. Pay Pal has all the power on their side. Thank goodness I have my bank. Which has been supportive and helpful. PayPal has been a roller coaster which always ends in disappointment. Because no matter what the user agreements say, you should not treat any customer this way. How could I be alone?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: OK

Complaint narrative:
On XX/XX/2024,, I made Experian aware of the misleading and inaccurate collection account alleging a debt in the amount of {$3200.00} that they are reporting on my credit report. Ive requested, Experian and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

it has been well over 30 days for Experian to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report immediately By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Experian, has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Experian Is in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n.

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 2024-10-23 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 HAVE ATTACHED FTC REPORT ******PLEASE REPORT FTC REPORT IN DETAIL******I AM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUD MUST BE REMOVE AND BLOCKED, FTC REPORT SHOWS ALL THE ITEMS DO TO FRAUD PLEASE REMOVE.

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 2024-10-23 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: FL

Complaint narrative:
I HAVE ATTACHED FTC REPORT ******PLEASE REPORT FTC REPORT IN DETAIL******I AM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUD MUST BE REMOVE AND BLOCKED, FTC REPORT SHOWS ALL THE ITEMS DO TO FRAUD PLEASE REMOVE.

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 2024-10-23 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: AR

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDR THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SE 715 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT IS MINE. PLEASE REMOVE THESE FRAUDLENT ACCOUNTS FROM MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
asked for a debt validation letter to prove if the debt was purchased by LVNV funding from the original creditor and they were legally able to collect on said debt. Also I asked for proof with my wet signature the validity of the debt that they are currently reporting negatively on my credit report as if I had a contract or legal obligation to them. I have yet to receive this validation. They continue to falsely report inaccurate information on my credit profile monthly in an attempt to collect on an unvalidated debt. Violating ( FCRA ) 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I received my IRS refund deposited into my Bethpage Federal Credit Union account on XX/XX/year> in the amount of {$5400.00}. Within the same day withdrawals were made in the amounts of {$2600.00} and {$66.00} at a " shared branch XXXX '' as shown on the statement. It was not explained to me what a " shared branch '' is? I was never reimbursed by Bethpage Federal Credit Union for the amounts taken out against my refund. It appears that my federal refund was stolen.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Secured Loan opened at XXXXXXXX XXXX XXXX Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXXXXXX XXXX : Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXXXXXX XXXX : Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXX XXXXXXXX : Account # ( XXXX ) opened XX/XX/XXXX, Credit card at XXXX : Account # ( XXXX ) opened XX/XX/XXXX, Secured Loan opened at XXXXXXXX XXXX : Account # ( XXXX ) opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-23 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately 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