vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I will XXXX  before this year end. if my issue is not resloved. 
i have been victim of identity theft for over 9 years. i have been trying my best to reslove this issue. i have did what is in my power. but they are not listening or understanding Law Lets use the power of Law now : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; Attached ( 2 ) a copy of an identity theft report ; Attached, Police and FTC ( 3 ) the identification of such information by the consumer ; and Attached ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Answer : Experian, XXXX, XXXX and XXXX XXXX : first delete all my information. because of you data, i can not rent a apartment and lost job with DHS-ICE and many more. this is my last try before i XXXX before year end.

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 2024-12-23 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: HI

Complaint narrative:
On XX/XX/XXXX my business Paypal account was hacked by an unknown entity that was able to get a digital wallet credit card of {$500.00} through which many purchases were made and consequently paid off via my linked business bank account. 
I immediately alerted my bank and Paypal and I was able to recover the money stolen. 
When after, asked to Paypal to delete my account and data linked to my account, I was not able to receive an affermative response. 
1-I can not delete my account on my Paypal page because it doesn't allow me to do so 2- Paypal Customer Service didn't follow up with my multiple requests via phone calls 3- Neither upon certified mail letter sent to their headquarters requesting to delete my account and data with immediate action, last XX/XX/XXXX was unsuccesful. 
I am now looking to join a possible class action lawsuit for unethical and illegal business practices and data exploitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: AZ

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

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 2024-12-23 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the allegedi debt, nor therefore any such debt, in fact therefore exist

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 2024-12-23 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: FL

Complaint narrative:
I am writing to formally demand the complete deletion of the inaccurate XXXX XXXX account ( XXXX ) from my credit reports. This account has been consistently reported inaccurately, even after multiple disputes and opportunities provided for correction. The reporting remains misleading and in violation of the Fair Credit Reporting Act ( FCRA ). 
The debt associated with this account was canceled, evidenced by the IRS Form 1099-C and the Certificate of Indebtedness. According to IRS guidelines, canceled debt is considered taxable income, not an unpaid obligation. Reporting this account as a charge-off is therefore inaccurate and misrepresents the nature of the account. 
Repeated Dispute Attempts Ignored : I have previously disputed this account multiple times, providing clear evidence of its inaccurate reporting and the cancellation of the debt. However, the credit bureaus have failed to take the necessary corrective action. This ongoing failure to validate and address the inaccuracies demonstrates a clear lack of compliance with the FCRAs requirements for accuracy and proper verification.it is evident to me that this account was not thoroughly reviewed or validated as required. The continued reporting of inaccurate information is not only damaging but reflects a disregard for regulatory obligations Violation of FCRA Standards : The FCRA mandates the reporting of accurate and complete information. Under Section 1681e ( b ), consumer reporting agencies must ensure that all information they report is verifiable and correct. By failing to investigate and correct this account in prior disputes, the credit bureaus and XXXX XXXX have perpetuated a false and damaging narrative regarding my creditworthiness. 
Demand for Deletion : Given the repeated failures to correct this account and the violations of FCRA standards, I now demand the complete and immediate deletion of this account from all credit reports maintained by TransUnion, XXXX, and XXXX. This account should not have been reported as a charge-off in the first place, and the opportunity to correct it has been disregarded multiple times. 
The failure to comply with this demand will leave me with no choice but to pursue further action to protect my rights under federal law.

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 2024-12-23 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: EQUIFAX, INC.
State: VA

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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX 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 XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: VA

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
I am filing this complaint because ChexSystems has refused to provide me with a copy of my consumer report. Despite providing all necessary identification detailssuch as my ITIN, foreign passport, address, and financial account informationthey continue to deny my request. 

ChexSystems claims they can only verify my identity through a U.S. Drivers License or U.S. Passport. However, I am not a U.S. citizen and do not possess these documents. I have submitted alternative identification documents that meet reasonable verification standards under the Fair Credit Reporting Act ( FCRA ), yet my request remains unfulfilled. 

This refusal has caused unnecessary inconvenience and denies me access to information I have a legal right to review. ChexSystems ' rigid verification policies are discriminatory against non-U.S. citizens and need to be reviewed.

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 2024-12-23 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX 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 collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$5000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of 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 ( private case number ) as proof from the US Federal Trade Commission that all of 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 explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
the company is CHIME. i had a deposit of XXXX $ and when i went to check the next day to see if it had gone through to my chime account it was there but someone got into my account and took it and charged 2 cash advance on my account which was a total of XXXX $ to a XXXX XXXX. i called the chime right away to file a dispute and they told me will take 20 days to get results, well i told them when the transaction happed and what time and what app took it. well they said they will investiaget. they did a few days later they email me and said they found no error, i argued with them and said someone took my money from a XXXX XXXX it was a XXXX XXXX i dont use XXXX XXXX  and i would never take my money through a money app, needless to say they saw no error. that money was part of my rent and they wouldnt even give it back. to this day they will not close my account because they say i owe them the cash advance they took, i dont owe that money. i want my XXXX $ deposit back. they are crooks. they are also owners of XXXX XXXX thats how they steal your money. so i dont know what to do now. they wont give me my money back. i ahve also went to the XXXX. and they told me to reach out to you also. hopefully ill get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX, I went to XXXX XXXX store to purchase a XXXX XXXX XXXX Upon paying for it at register XXXX, I brought to the cashier 's attention that I couldn't see anything on the credit card machine. XXXX, the register lady said, " Oh it's there. '' So, I inserted my debit card and my transaction went through. Then I told the lady XXXX, Id like to pay for a gift card. Again, I couldn't see anything on the screen ; but I inserted my debit card. Then I took it out, and shortly after, the credit card machine prompted me to reinsert my card. Shortly after, the receipt began to print. When I left, I checked my account and it had an unauthorized charge for {$39.00}. The XXXX transaction went through, then XXXX, and then my gift card transaction. 
Since I filed an OCC complaint regarding this incident yesterday, XXXX, I figured {$39.00} would be back in my account first thing this morning ; and it's not. XXXX, now I'm filing this complaint. 
Another reason for this complaint is that the sequence of the transactions on my Bank Ledger have been altered. And that's just not right. My images in my inbox got altered as well. 
In conclusion I never authorized XXXX XXXX for {$39.00}. Therefore, I'm disputing this amount from my Bank of America ledger. Please have {$39.00} returned asap. Thank You. 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2024-12-23 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: EQUIFAX, INC.
State: VA

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 : XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: NY

Complaint narrative:
XX/XX/year> Today I signed into my Experian account to opt out on some of their updated policy changes only to find out that Experian is continuing to report closed accounts as late payment accounts on my credit report as missed payments. This is not fair inaccurate credit reporting which is pulling down my credit score even more. According to the FCRA 15 U.S.C.Sections 1681-1681x accurate credit transactions ( including closed accounts ) should not be placed in my credit account as late payments when the account is closed.

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