vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting incorrectly on my credit report. The accounts are closed due to a consolidation, however the payment history status on the closed loans are only reporting for 4 months. All of the loans are currently reporting on-time payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX instead of ALL of the on-time payment history for the life of the loan. The loans do not have visible loan numbers on my credit report so I will list them by the date each loan was opened and the amount of each loan- to identify the loans I am referring to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: NY

Complaint narrative:
Transunion, Reviewing of my credit report, I cant explain why all this erroneous reporting inaccurate account below which are not mines are listed below. 
Section 609 states that you're required to send me the paperwork associated with this account showing my wet signature. 

I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. 

No proof? Then you can not report delete this unverified and inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have attempted to get this removed from my credit report by complaining to XXXX with no resolution. I do not live in any other state besides XXXX and I do not have telecommunication services with anyone except my mobile phone provider XXXX and XXXX. I am enclosing a copy of my XXXX bill

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I emailed and faxed ConServe requesting information to request information to substantiate the legitimacy of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
These ( 4 ) accounts are being reported on my EXPERIAN CREDIT REPORT AS POTENTIALLY NEGATIVE. 
YET THEY ARE ALL IN GOOD STANDING AS ALL ( 4 ) ACCOUNTS ARE PAID IN FULL AND CLOSE.

IM ASKING EXPERIAN 
CREDIT BUREAU TO PLACE THE BELOW ( 4 ) ACCOUNTS IN GOOD STANDING AND REMOVE NEGATIVE REMARKS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN PAID IN FULL. 
THIS ACCOUNT HAS XXXXXXXX XXXX. 
THIS ACCOUNT HAS A CREDIT LIMIT OF {$700.00}. 
PLEASE CORRECT MY CREDIT FILE WITH ACCURATE 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 explanation
Consumer complaint received 2024-06-02 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To whom it may concern I saw your company furnishing a negative account onto my consumer report. I am requesting validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ) Provide me with following information 1. The amount of the debt 2. The name and address of the original creditor 3. Proof that your company sent me a statement assuming the debt to be valid ( with proof of tracking information ) 4. I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now.

Collection activities shall cease immediately pursuant to 15 U.S.

Code 1692 ( g ) THIS ALSO GOES FOR THE FOLLOWING CREDIT REPORTING AGENCIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE SENT THESE CRA 'S DISPUTE LETTERS VIA CERTITIED MAIL ASKING THEM TO PROPERLY INVESTIGATE AND VERIFY THAT THIS ACCOUNT BELONGS TO ME. THEY HAVE FAILED TO DO SO. I HAVENT RECEIVED ANYTHING I ASKED FOR IN MY DEBT VALIDATION LETTER. 

I HAVE ALSO SENT THESE CRA 'S A SIGNED AND SEALED AFFIDAVIT OF TRUTH ( SEE ATTACHMENTS ). THEY HAVE FAILED TO RESPOND TO MY AFFIDAVIT OF TRUTH WITH ANOTHER IN RETURN. 

I HAVE UPLOADED MY POLICE REPORTING PROVING THAT MY IDENTITY WAS STOLEN AND USED. 

I HAVE NO KNOWLEDGE OF THIS ACCOUNT! 

THE SSN ON THIS ACCOUNT DOES NOT MATCH MY SSN!

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 2024-06-02 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To whom it may concern I saw your company furnishing a negative account onto my consumer report. I am requesting validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ) Provide me with following information 1. The amount of the debt 2. The name and address of the original creditor 3. Proof that your company sent me a statement assuming the debt to be valid ( with proof of tracking information ) 4. I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now.

Collection activities shall cease immediately pursuant to 15 U.S.

Code 1692 ( g ) THIS ALSO GOES FOR THE FOLLOWING CREDIT REPORTING AGENCIES : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE SENT THESE CRA 'S DISPUTE LETTERS VIA CERTITIED MAIL ASKING THEM TO PROPERLY INVESTIGATE AND VERIFY THAT THIS ACCOUNT BELONGS TO ME. THEY HAVE FAILED TO DO SO. I HAVENT RECEIVED ANYTHING I ASKED FOR IN MY DEBT VALIDATION LETTER. 

I HAVE ALSO SENT THESE CRA 'S A SIGNED AND SEALED AFFIDAVIT OF TRUTH ( SEE ATTACHMENTS ). THEY HAVE FAILED TO RESPOND TO MY AFFIDAVIT OF TRUTH WITH ANOTHER IN RETURN. 

I HAVE UPLOADED MY POLICE REPORTING PROVING THAT MY IDENTITY WAS STOLEN AND USED. 

I HAVE NO KNOWLEDGE OF THIS ACCOUNT! 

THE SSN ON THIS ACCOUNT DOES NOT MATCH MY SSN!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Around XX/XX/2023 i was attending XXXX, which i missed placed my wallet i then found it but never checked inside to make sure that everything was in side injust proceeded with the day. Once i went home for XXXXXXXX XXXX  my mom asked did i have my credit cards with me I then said yes because I most certainly thought I did, so i panicked and didnt know what to do once i looked in my wallet and didnt see them. My phone then ended up breaking with all of my information inside of so i was unable to verify a lot lf things pertaining my credit cards. I tried calling but they told me i would have to pay the debt but i didnt do any of the charges on any cards so i stuck on what to do. They then ended up closing my accounts for this reason my limits for one card was {$1000.00} and for the other was {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
On XX/XX/year> - I received a letter from Oxygen XL debt collector. It asked to go to their website to dispute oxygenXXXX and I submitted a reference number XXXX. Multiple times I tried to submit and the page just keeps loading, it also defaults to asking for your phone number and then says you agree to their robo calls and texts, which I do not. 

This is the process for requesting information, their website was designed not to work, and just shows the loading screen and never submits after multiple attempts and hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I tried to purchase a truck on XXXX, and made a bid for a truck posted by a seller with the ID XXXX ' on XX/XX/2024. The truck was XXXX USD and my bid XXXX was accepted by the seller, and we shared personal information including my phone number using XXXX window to discuss how I need to pay him and how he will ship the truck to me. He used two different phone numbers to communicate with me, one ( XXXX ) for texts only, and the other ( XXXX ) for voice talk. Almost at the same time, I received an email from a person who claims himself from XXXX finance team and tries to help between me and the seller, his email address was XXXX. 'vpp ' is an abbreviation for vehicle purchase protection, a service program name for vehicle purchasers in XXXX XXXX So, I didn't doubt him at all and kept communicating with him by email and phone ( XXXX ). ( I have all photo shots of emails and phone texts that I used when I filed to report to a local police ). I was so excited to buy the truck in cheap price, and just followed the direction on his email, and wired XXXX dollars to his account using my own bank, Wells Fargo ( His bank was also Wells Fargo ). And, he confirmed that he received it. But, next day, he disappeared and I received a message from XXXX that the seller cancelled the order because I didn't pay. I wired XXXX dollars and they ( actually I now believe those two are the identical person ) disappeared at the same time. XXXX sent me a flag email about the seller after they have already disappeared, and confirmed the sale was fraudulent. They have never replied to me about this incident, and I do not know how I can claim them to pay back my money. I waited several weeks until I received a mail from Wells Fargo that they close the wire fraud claim because the receiving bank wouldn't pay back. As far as I found about the person 's information on line, the recipient 's account was business account under the name XXXX XXXX XXXX XXXX. located in XXXX XXXX, FL XXXX, with the manager 's name XXXX XXXX, even though there is a high chance that the culprit used false name. His Wells Fargo bank account number is XXXX, which I used when I wired the money. At this point, I do not have any other resort to deal with this incident, because the local police doesn't seem to work for this at all, XXXX never replies to me, and the bank already closed the claim. I am a XXXX year old man, and the money, XXXX dollars is all the money I had saved for years. I know it's difficult to find the person now, but please help me to get my money back and prosecute him, so there never happens another victim like me any more. Thank you for reading, and I look forward to a good news.

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 2024-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I had a balance of {$300.00} in Cash app. I had my bank ( XXXX ) linked to my Cash app account. On XX/XX/XXXX I initiated an " instant transfer '' from the Cash App to the XXXX account. The money never arrived. According to XXXX there is no record of any transaction whatsoever. I asked Cash App support to check into where the money went. They concluded the transfer completed with no errors and there were no problems on their end. They closed the investigation. XXXX continues to tell me there is no such transaction for XX/XX/XXXX. I removed my XXXX bank link from Cash App and then tried to restore it, thinking that might fix this issue. I get a message saying " XXXX to Cash App links are not supported '' so apparently there are known issues between the two. I can not re-establish a link, which may be why my money is in limbo and hasn't come back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: MO

Complaint narrative:
On XX/XX/year> I advised this company that this is not my debt. The socical security number on the debt is incorrect and is not my social security number ending in XXXX. This is my second time disputing this debt. The first time was earlier this year around XXXX am demanding this debt be deleted from my Transunion credit report immediately. This debt is not reporting to XXXX, or XXXX because they are unable to because this is my debt. I have confirmed with this company that they always report all loans to all 3 credit reporting agency 's.

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 2024-06-02 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: IN

Complaint narrative:
The following accounts listed in the FTC does not belong to me. I am a victim of identity theft. Im requesting validation of this debt and a signed document of my original signature. 
1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2.1. Validation of the debt-that is, the actual accounting.

3.

4.Verification of signed Invoice.

5.A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6.Please provide the original docurse and wet signature if you cant provide these items Delete 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 2024-06-02 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: IN

Complaint narrative:
The following accounts listed in the FTC does not belong to me. I am a victim of identity theft. Im requesting validation of this debt and a signed document of my original signature. 
1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2.1. Validation of the debt-that is, the actual accounting.

3.

4.Verification of signed Invoice.

5.A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6.Please provide the original docurse and wet signature if you cant provide these items Delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit 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 2024-06-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX : I am writing to dispute several unauthorized inquiries that appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. 
The following inquiries were made without my knowledge or consent : XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX I did not authorize these companies to access my credit report, nor did I initiate any transactions that would warrant a credit inquiry from them. These unauthorized inquiries could negatively impact my credit score and must be removed immediately.

According to the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed items within 30 days of receiving this letter. If the disputed information is found to be inaccurate, incomplete, or can not be verified, you must promptly delete or modify the item ( s ) as appropriate.

Please provide me with the results of your investigation and a copy of the updated credit report within the 30-day timeframe mandated by the FCRA. If you fail to comply with the FCRA 's requirements, I reserve the right to pursue further legal action. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation