vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-07 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Bankruptcy Account name XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 DEPT OF ED XX/XX/2023

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 2025-01-07 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Bankruptcy Account name : XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> DEPT OF ED XX/XX/year>

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 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, my vehicle was repossessed by Wilshire Consumer Credit. I contacted the company to determine the amount required to bring my account current and recover my vehicle. Two representatives explicitly informed me that the total amount needed was {$940.00}, which included my overdue payments, a {$30.00} NSF fee, and all necessary charges to reinstate my loan. They assured me that this payment would cover everything required to retrieve my vehicle and that no additional fees were involved. Based on this, I made the {$940.00} payment in full on XX/XX/XXXX. 

After making the payment, I called Wilshire Consumer Credit to confirm that they had sent the release authorization for me to retrieve my vehicle. At this point, a representative attempted to pressure me into paying an additional {$55.00}, claiming it was necessary to release the vehicle. This demand was made after I had already fulfilled the payment amount that two representatives had previously confirmed as sufficient. I refused to pay the additional {$55.00}, and after significant back-and-forth, they ultimately released the vehicle without requiring the extra payment. However, this attempt to coerce more money from me after I had already satisfied the agreed-upon balance is both unethical and unfair. 

Adding to this, after retrieving my vehicle, I discovered that Wilshire Consumer Credit had added repossession fees to my account. These fees started at {$500.00}, increased to {$550.00}, and eventually reached {$620.00}. At no point were these fees explained or justified, and I have not received an itemized breakdown showing how they were calculated or why they increased. Additionally, the {$30.00} NSF fee that was included in the {$940.00} payment remains on my account balance, indicating that payments were not applied correctly. 

On XX/XX/XXXX I submitted a formal dispute requesting : 1. An itemized breakdown of repossession fees, including how they were calculated and why they increased. 
2. The contractual or legal basis for the repossession fees. 
3. Correction of my account balance to reflect the payments I made. 

Despite this formal dispute, Wilshire Consumer Credit has not responded. Their refusal to address these issues or provide transparency, combined with their coercive attempt to collect an additional {$55.00} and the arbitrary increases in fees, demonstrates a lack of fair dealing and raises significant concerns. I am now at risk of further financial harm and potential repossession due to these unresolved issues. 

I respectfully request CFPB assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : 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 non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX Inquiry 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 2025-01-07 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of a collection account reported on my credit reports, associated with a XXXX XXXX account allegedly opened on or around XX/XX/XXXX, XXXXThis incident was discovered approx. XX/XX/XXXX. I wish to bring to your attention that I have been a victim of identity theft, which has resulted in this fraudulent account being attributed to me. I have never been a XXXX XXXX customer, nor did I authorize the creation of this account or incur any related debts.

As part of my dispute, I would like to note that I was among the
individuals affected by the XXXX data breach in XXXX, which compromised my personal and financial information. This breach has left me vulnerable to identity theft, leading to fraudulent accounts being opened without my knowledge or consent. To resolve this matter, I requested XXXX  to provide the following documentation within 30 days : 1. A copy of the contract bearing my signature for the account in question. 2. Any documentation or records demonstrating payments made by me toward the alleged account. 3. Detailed proof of the verification process used to validate the debt, including the data utilized during account creation. To date, XXXX has failed to provide any of the requested information or respond to my inquiry. Furthermore, Transunion and XXXX refuse to remove this entry even after XXXX has failed to verify debt in accordance with the FCRA. This situation has caused significant distress and harm to my credit profile. I respectfully request that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action to ensure the removal of this erroneous account from my credit reports.

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 2025-01-07 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 2025-01-07 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: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Over XXXX dollars were given out to people without notifying the actual person that the money belonged to. Maybe even over 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 2025-01-07 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:
XXXX, Transunion, and XXXX have fraudulently reported a XXXX  XXXX Bankruptcy on my credit reports, first of all Courts don't provide any information to any 3rd party which includes credit reporting agencies such as XXXX, TRANSUNION and XXXX. 


XXXX XXXX XXXX REF # XXXX How did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose. 

15 USC 1681b In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.

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 2025-01-07 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Collection account from LVNV FUNDING LLC with account XXXX XXXXXXXX and a balance of {$850.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Collection account from XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$3000.00}. The original creditor is XXXX XXXX XXXX 
I previously disputed this account stating : XXXX never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Collection account from LVNV FUNDING LLC with account XXXX XXXXXXXX and a balance of {$810.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Please reinvestigate these matters and delete or correct the disputed information as soon as Possible. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: Credit Karma, LLC
State: MN

Complaint narrative:
I have been a member of Credit Karma for some time. XXXX day I tried to sign back into my account and it was locked because they don't have an option to update your phone number. I have tried numerous times in the past XXXX months to get signed back in. They refuse to respond but they have sent me XXXX different emails in the past XXXX days telling me that my credit is damaged. My credit is damaged due to XXXX of their credit cards that they push on people. Credit Karma could see that I was in the process of purchasing my home and decided to send me offer after offer for credit cards. The only one that I qualified for was XXXX XXXX It was for a {$300.00} limit. I was making payments on the {$300.00} and actually paid {$120.00} and when I looked at the Balance is only went down {$4.00} to {$290.00}. I tried reaching out to Credit Karma since they were the ones that pushed the card on me but Credit Karma does NOT have ANY phone number in which to contact them and they refuse to respond other than sending you emails to check your credit report when you can't because they won't unlock it. I have reached out to them on their XXXX PAGE and they still refuse to respond. I need back into my account so that I can see what damages Credit KarmaXXXX has XXXXaused to my credit score. 

This has been going on for almost 6 months since I got the fraudulent XXXX XXXX XXXX I have since cancelled the card and was waiting to hear back from them before making any further payments. And instead of responding they have reported my credit to the credit bureaus and maliciously damaged my credit. I signed up with Credit Karma and XXXX to help my credit score and to improve it and instead my credit is damaged and I most likely will not be able to get my house refinanced and will therefore lose it. All because XXXX wanted to scam me on my credit a card that was pushed on me by Credit Karma XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: PA

Complaint narrative:
Dear Credit Bureau or Kikoff Inc., I am writing to formally dispute the debt of {$800.00} reported by Kikoff Inc. on my credit report. This debt is inaccurate, and I request its removal for the following reasons : Kikoff Inc. offered a service that I did not want or find beneficial. I initially paid for XXXX months of service, believing it would improve my credit score as promised. However, the services provided did not fulfill the stated claims or offer any meaningful assistance.

Upon realizing this, I promptly contacted Kikoff Inc. to cancel the services. Despite this, the company reported a negative entry on my credit report, claiming I owed {$800.00}. This claim is false as no valid services or goods were rendered to me to justify the debt. 

This appears to be a malicious attempt to harm my credit standing, and I request that this inaccurate information be removed immediately from my credit report. 

Please investigate this matter and notify me of your findings. Attached are any supporting documents relevant to my claim. I look forward to your prompt resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief