vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: DE

Complaint narrative:
I recently checked my credit report and noticed that there are inaccurate accounts reporting. I filed ftc report and nobody has yet to help 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 explanation
Consumer complaint received 2024-03-15 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: DE

Complaint narrative:
I recently checked my credit report and noticed that there are inaccurate accounts reporting. I filed ftc report and nobody has yet to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Someone used my information to lease a property at XXXX XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, CA XXXX and potentially XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, CA XXXX. I was alerted to an outstanding amount of {$30000.00} in my name that was sent to collections when I had my credit pulled for a mortgage application on XX/XX/year>. I called the collections agency ( COLUMBIA DEBT RECOVERY XXXX DBA GENESIS ) and they provided me with instructions to dispute the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I am not liable for this debt of {$12000.00} with LVNV FUNDING LLC. I do not have a contract with LVNV FUNDING LLC. and did not provide me with original contract as requested verifying my wet signature and ID verification

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

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. these are the accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
This week, I received mail from a company called " Cash App '' with a " cash card '' ( which is essentially a credit/debit card ) in my name. 

I have never applied for a card through Cash App, nor have I ever used its mobile app. 

With all this in mind, I called Cash App 's customer service number, hoping to get some answers. The first representative hung up on me after I started asking questions about the account. The second representative took my email address, and stated she couldn't answer any of my questions until I filled out a questionnaire, which would be sent via email. I did receive an emailed questionnaire, which I promptly filled out and sent back to Cash App. Throughout the week, I have been emailing Cash App for an update/resolution on this matter, and have not heard anything. 

Given the circumstances, I'm reporting Cash App to the CFPB, as I believe I've been scammed, and my financial/private information is now fraudulently being held by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: WI

Complaint narrative:
All of my federal student loans were canceled by the Department of Education last year. The status of those loans appeared on my credit report as closed with a XXXX balance since that time. This week, I received a credit monitoring alert stating changes had occured to my Trans Union credit report. XXXX XXXX XXXX, a company I have never heard of or done business with and which I've received no correspondence from is now listed on my credit report as the creditor for the loans which were discharged last year. 

I contacted the Dept. of Education to inquire if the cancelled loans were transferred to XXXX XXXX XXXX. I was told they were not and that XXXX XXXX XXXX is not a federal student loan servicer. Furthermore, the agent stated there have been numerous complaints and inquiries just like mine where private loan companies are attempting to take over federal student loans that have been canceled. There is a list of federal student loan servicers published by DOE and XXXX XXXX XXXX is not on the list. 

I filed a dispute with Trans Union as soon as I became aware of the incorrect creditor information on my credit report but the response I received was that the information is correct according to the " XXXX XXXX ''. I attempted to appeal the dispute result but Trans Union representatives have been unhelpful and there is no option I can find online on their website for appealing. 

I contacted XXXX XXXX XXXX today, XX/XX/2024. According to the agent I spoke with, the company only provides loans to facilitate purchases at retail stores and personal loans. It does not offer or service student loans of any type. The agent could not find my name in the company 's system or any information related to any loans in my name with their company. I requested to speak to someone who could help resolve the problem but was told the only way to resolve it is to go to their website and give them all my personal information including social security number and that only then would someone call me to resolve the problem. 

I am requesting help because I have not gotten it from the DOE, Trans Union or XXXX XXXX XXXX. Predatory loan companies are taking advantage in a fraudulent manner of student loan borrowers whose loans were canceled and the DOE as well as credit reporting agencies aren't doing anything about it.

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 2024-03-15 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX WI XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}

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 2024-03-15 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX WI XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I also saw things on my credit file that wasn't mine. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I C XXXX XXXXXXXX, are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XX/XX/year> I requested a certified receipt with my signature on it. The correspondence reads as follows : To whom it may concern : I do not recognize you or your company. Nor have I ever done business with you. I am totally unaware of this debt for ( XXXX ) dollars. That you reported to the credit bureaus. I never had an opportunity to address, this information you reported. If in fact you believe that your company gave me proper notification. I would really appreciate it. If you would kindly furnish me with, a certified receipt with my signature on it. Proving that you tried to make contact before placing negative collections on my credit profile. Thank you for taking the time to address this correspondence.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
XXXX XXXX and XXXX XXXX. Did not authorize with me to run credit checks or reports on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone got my login information I have never given to anyone and XXXX dollars was transferred out of my account fraudulently and Wells Fargo denied my claim and closed my account. I submitted a police report to the XXXX XXXX police department and notified Wells Fargo. They alleged I transferred the money myself even though I said several times I have never have given my login information to my account to anyone. They also lied on the correspondence they sent me saying they opened me a new account, no the bank refused to do service with me and a new account was never opened. I did not make for 4 wire transfers out of my account to a XXXX XXXX  I dont know who this guy was and had never done business with him. Wells Fargo did not follow correct protocol. I was working when I received suspicious emails about my account and I called right away to say I did not authorise and transfers or even know how to use a wire transfer.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-15 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found inquiries that dont belong 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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
The following company " SENTRY CREDIT does not have any authorization to report any information into my credit profile. I do not have any financial or contractual obligations with above mentioned company. Therefore, any inserts into my credit profile are considered fraudulent and unauthorized.

Company response to consumer: Closed with explanation