vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.

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 2024-11-20 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: VA

Complaint narrative:
I am a victim of identity theft... have been for years. 
I have supplied the necessary documents needed for the credit agencies to block the fraudulent information from my report. XXXX of the XXXX credit agencies have done their job and blocked the items, except Equifax. Equifax is willingly and intentionally violating my consumer rights and threatening my livelihood. I am ready for litigation. I have no relationship with XXXX XXXX and never have!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-20 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: ME

Complaint narrative:
A hard inquiry was placed on my account by XXXX XXXX on XX/XX/year>. This is the second fraudulent hard inquiry from XXXX XXXX in 2024, the last being on XX/XX/year>. I had placed a fraud alert on my credit reports on XX/XX/year> and yet this second application was allowed to proceed to hard inquiry without my permission. XXXX XXXX said they that will remove this application but that they would not send me a letter confirming they had and could not explain why the hard inquiry was allowed to proceed.

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 2024-11-20 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: ME

Complaint narrative:
A hard inquiry was placed on my account by XXXX XXXX on XX/XX/year>. This is the second fraudulent hard inquiry from XXXX XXXX in 2024, the last being on XX/XX/year>. I had placed a fraud alert on my credit reports on XX/XX/year> and yet this second application was allowed to proceed to hard inquiry without my permission. XXXX XXXX said they that will remove this application but that they would not send me a letter confirming they had and could not explain why the hard inquiry was allowed to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: ME

Complaint narrative:
A hard inquiry was placed on my account by XXXX XXXX on XX/XX/year>. This is the second fraudulent hard inquiry from XXXX XXXX in 2024, the last being on XX/XX/year>. I had placed a fraud alert on my credit reports on XX/XX/year> and yet this second application was allowed to proceed to hard inquiry without my permission. XXXX XXXX said they that will remove this application but that they would not send me a letter confirming they had and could not explain why the hard inquiry was allowed to proceed.

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 2024-11-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Consumer Adjustment : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-20 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: GA

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint to formally dispute the inclusion of the above-referenced account on my credit report. This account, reflecting a balance of {$12000.00}, is not mine and appears to be the result of identity theft. 

Description of What Happened : I discovered this account was appearing on my credit report. Upon further investigation, I determined that it was fraudulently created using my personal information. To address the fraudulent activity, I took the following steps : Reported the identity theft to the Social Security XXXX ( XXXX ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report and confirmed that I had no connection to this account. 
Contacted the credit bureaus and disputed this item as fraudulent. 
The company involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has not provided any evidence to show this account is valid or legitimately associated with me. 

Amount in XXXX : The account in dispute shows a balance of {$12000.00}. 

Actions Taken by Me : Reported identity theft to the XXXX and obtained a new XXXX. 
Sent a dispute to the credit bureaus regarding this account. 
Requested that this account be removed from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute and request removal of fraudulent information from my credit report. I am requesting the following actions from XXXX XXXX XXXX/ XXXX XXXX XXXX : Immediately remove this account from my credit report. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation of the removal and a corrected credit report. 
This fraudulent account has negatively impacted my credit, and I expect prompt resolution to ensure my records accurately reflect my financial history. 

Thank you for addressing this matter promptly. 

Sincerely,

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 2024-11-20 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: GA

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint to formally dispute the inclusion of the above-referenced account on my credit report. This account, reflecting a balance of {$12000.00}, is not mine and appears to be the result of identity theft. 

Description of What Happened : I discovered this account was appearing on my credit report. Upon further investigation, I determined that it was fraudulently created using my personal information. To address the fraudulent activity, I took the following steps : Reported the identity theft to the Social Security XXXX ( XXXX ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report and confirmed that I had no connection to this account. 
Contacted the credit bureaus and disputed this item as fraudulent. 
The company involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has not provided any evidence to show this account is valid or legitimately associated with me. 

Amount in XXXX : The account in dispute shows a balance of {$12000.00}. 

Actions Taken by Me : Reported identity theft to the XXXX and obtained a new XXXX. 
Sent a dispute to the credit bureaus regarding this account. 
Requested that this account be removed from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute and request removal of fraudulent information from my credit report. I am requesting the following actions from XXXX XXXX XXXX/ XXXX XXXX XXXX : Immediately remove this account from my credit report. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation of the removal and a corrected credit report. 
This fraudulent account has negatively impacted my credit, and I expect prompt resolution to ensure my records accurately reflect my financial history. 

Thank you for addressing this matter promptly. 

Sincerely,

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 2024-11-20 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: NC

Complaint narrative:
On XXXX XXXX I ordered a XXXX for the amount of XXXX, when I got into the car the driver asked if I could pay in cash instead of through the app which I agreed. Since paying the driver in cash, the driver should have canceled the ride on the app so that I would get my funds back onto my card. When checking my bank statements I seen that the funds were never reimbursed. I contacted XXXX for support but was unable to speak with anyone since the time had passed for a refund on the ride. I then proceeded to contact XXXX  to dispute the transaction. Ive contacted XXXX  support between XXXX XXXX XXXX  and they denied both disputes based on the summary of my transaction from my account which isnt enough proof to deny my claim, when the transaction is still going to be on my account when the money was in fact never reimbursed to me. So I paid the merchant twice, in cash and through card payment. I have filed a complaint with XXXX as well. This is not my first issue with XXXX and they are in the middle of a lawsuit for fraud, closing customers account without reasons and plenty more allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: MS

Complaint narrative:
XXXX XXXX is stating that I neglected to pay rent from XXXX XXXX until present. I have not stayed in XXXX XXXX in 3 years. I moved out XX/XX/XXXX. I have called and emailed the company several times. I am told that someone will look into this matter and call me back but this is not being resolved and I was told that because they have changed managers and companies, they have lost my files. I want this removed from my credit report because this is false information. I was not staying in the apartments when they sent me to collections. I am getting the run around because no one can show me records of me signing a lease in XXXX. When i moved out I gave them a 60-day notice in writing and email, I turned the key into the office. I have no dealings with this apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have not used my XXXX XXXX  credit card so did not monitor it or have auto pay set up. I was fraudulently charged and disputed and the Citi agreed and removed the charge after a few months. Yet because I did not pay because I did not realize the fraud happened until my credit was dinged for late payment my credit shows late payments. Although the fraud was removed the late payment XXXX and XXXX remains on the account. Since no payments were required except for fraudulent charges that have since been removed these late payment should also be removed.

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 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: MO

Complaint narrative:
I used this for XXXX purpose and got the loan been paying sometimes I run days behind on payment but have always made the payment last few months have been eventful as the bank card I use to make payments was scammed so had to get another one I was not informed any issues were thrown at me but I learned from the company today ( XXXX ) thaty account is suspended the chat agent wouldn't explain this answer but kept telling me to refere to the license agreement I asked on XXXX separate occasions for full chat transcript to be emailed to me and I was answered I need a power of attorney to obtain that. And then they left chat and took the chat transcript with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I took a huge loan out on them in order to build relationship with them but the interest and everything is ridiclously too high now and i cant pay it. I am currently on a payment plan just to pay off the original amount in XXXX pay payment periods but its currently affecting my finances greatly due to financial hardship recently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MO

Complaint narrative:
On XX/XX/XXXX virtiouso sourcing called me about a debt they believe i owed to XXXX XXXX from my last apartment complex in XX/XX/year>. However im disputing it because i called and closed that account in XXXX of 2022 when i left and got into my current lease in XXXX XXXX 2022. So i asked for a supervisor. They got me one we spoke and they agreed to provide service dates they said they would get those and email them over to me. I got no email they continued to call me every day. I answered several days later at work and asked them to send the email we talked about they sent me a one page email statement of balance with no service dates. I told them i work two jobs i cant do the investigation for them. And then today they called me insulted me saying i was at fault and this was the last attempt to collect before it goes on my credit report i told them no dont you say its my fault you need to apologize they refused so i said XXXX you and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report. These items contain inaccurate, unauthorized, unverifiable, and potentially fraudulent information, violating federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
15 USC 1681e ( b ) ( FCRA ) - Ensures that all reported information, including auto finance accounts, is accurate. Any inaccuracies in reporting, such as an incorrect last reporting date or payment history, violate this standard.

15 USC 1681s-2 ( a ) - Places a duty on furnishers of information ( like auto finance companies ) to report accurate information to credit bureaus. Failing to update or correct this information breaches their duty to report accurately.15 USC 1681i : Unverifiable information must be corrected or deleted.Privacy Standards : Under the Gramm-Leach-Bliley Act ( GLBA ), reporting my personal information without consent constitutes a breach of privacy rights.

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 2024-11-20 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: OK

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: OK

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-20 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:
I am writing to formally request that the fraudulent accounts and inquiries listed below be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of identity theft stemming from a data breach, these accounts and inquiries were fraudulently opened or made in my name without my authorization. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief