vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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:
I am a victim of Identity theft. The information on my credit report is inaccurate. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 XXXX XXXX and pursue litigation

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 2024-05-17 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:
PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-05-17 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-17 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-17 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:
Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have attached several documents for your review in regards to my complaint. The following credit reporting agencies are taken advantage of my by reporting several INACCURATE ACCOUNTS and Fraudulent Inquiries on my report. Please see attached.

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 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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 2024-05-17 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: SC

Complaint narrative:
Someone went onto a credit builder site by XXXX XXXX and created an account and added accounts that do not belong to me onto my credit report, the credit reporting agency will not allow me to file a dispute online of which is the purpose of my online account. Please delete the following from my credit report Bankruptcy chapter from experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: AL

Complaint narrative:
XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information regarding a charge-off listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$550.00} I believe this charge-off is inaccurate and I've requested several times to have this information corrected to no avail, this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA, including the name and address of the furnisher of the information. 

Please send me a corrected copy of my credit report upon completion of the investigation, and notify any recipients of Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company Synerprise Consulting Services. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I got a vehicle financed by WestLake Financial in XXXX, I was paying the loan on time, but they repossessed my car fraudulently when I had my payments done ... the reason : I lost my job due to the pandemic and I asked them ( WestLake ) that If they could extend my payments for few months to the end in case it will take time for me to get a job, but my payments were totally on time ; the agent started insulting me that he was tired of scammers XXXX that are trying to steal cars taking advantage of the pandemic situation, I explained that my payments were on time and he kept insulting me with unreapeatable words until the point that I told him : " then come and take your vehicle '', they repossessed the car in XX/XX/XXXX ( but they wrote XXXX ) and sold it in XX/XX/XXXX. I have the letter and my last payment in XX/XX/XXXX I'm embeding with this letter. The case was solved about 3 times closing the account and they keep bringing it back like if I still have the car and I'm behind payments. The last time I talked to them was in XXXX and I got disrespected, insulted and the interaction ended in a fraudulent repossession when I was on time with my payments. I hope you can help me, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
background check has information that was not system generated but a report that made up out of a different country of which I never lived and is being used to make the decision process to obtain an apartment or home. This information is not accurate at all and I am being denied without recourse because Transunion " XXXX XXXX XXXX is actual in XXXX and not the United States. I have'nt been able to remove this information because I do not live there and never have but it is coming up here in the United States 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 2024-05-17 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/2023 each company ran my credit without my permission or written permission

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a Copy of my credit report. I am extremely staggered from seeing an open account - XXXX XXXX dated XX/XX/2024 that been on my credit that I did not authorize. This is not fair while Im in process of closing in on a home for me in my family to stay in and I cant because of these unauthorized accounts on my credit. Please remove these accounts as soon as possible please and thank you.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity fraud and in result, they have been several attempts and accounts that don't belong or are authorized by me I have done everything Transunion asked me to do and still no progress on the inquiries only the accounts were handled they have on file that they received my supportive documents on XX/XX/scrub>XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
i have funds in my both savings accounts [ ... XXXX and ... XXXX ] and both accounts linked to Raisin [ XXXX insured banks & credit unions ] account for a year or so.Every time i need i had transfer funds to and from my XXXX accounts to XXXX, since XXXX want me move funds back from closed CD account to XXXX and then open another one from XXXX.Never had problems until XX/XX/year> when XXXX locked my accounts to " research '' .They made me call to XXXX 4 times but finally it was unlocked and i asked XXXX. XXXX to put in remarks '' XXXX is my account and never lock it again '' XXXX XXXX i had transfer funds from ... XXXX account to XXXX but it shows '' reversal '' status and my both accounts locked again.I tried chat with XXXX XXXX was told to call.Spent a hour yesterday on a phone, was moved from one XXXX rep to another and the last one was supervisor XXXX who said '' my phone [ XXXX ] is portal, when i asked what it is, he said when number moved from XXXX XXXX XXXX XXXX so they could not send to me text to verify it is me.They had sent it to me XXXX times before but not now.When i told him, my phone number is with XXXX XXXX years and never was from XXXX XXXX he said i must wait till they call to me to verify.Meanwhile i am loosing $ $ on interest.And why they would call but not text to my number i never change, why wait a week? This bank ove to me! % on interest i am loosing daily and XXXX i have with them.I am a XXXX person and have plenty to worry about than XXXX bank, s employees.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with Creditors Bureau Associates, they did not provide me with the original contract as I requested. Also, Creditors Bureau Associates lacks any State Licenses/Registrations in the state of Florida, where I reside, to collect on a debt. This account contravenes the FCCPA ( Florida Consumer Collection Practices Act ), which mandates all debt collectors, regardless of location, to be licensed or registered in Florida. 


This is my second complaint submitted to the Consumer Financial Protection Bureau addressing the fraudulent and unfair acts that Creditors Bureau Associates are committing by reporting this misrepresenting and inaccurate account on my consumer report. Creditors Bureau Associates responded by providing me with a document that they created with a balance that I do not owe them. I have never signed a contract to do business, of any kind, with them. They also provided documents showing a {$0.00} balance as the overall " Grand total '' and " Patient Total ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi my name is XXXX XXXX. I am filing this form out today because I have recently find out that I have been an victim of identity theft. Ive recently found out through my bank XXXX XXXX XXXX XXXX that someone has been inside my account charging my accounts fraudulently buying things with my debit and credit card and running 2 accounts to the negative. So I ran my credit with annual credit reported and found out that my Social security number along with my email has been compromised to the Dark Web due to an breach that occurred with XXXX XX/XX/year>. I am looking to get help because they have ruined my credit put my accounts in the negative opened fraudulent accounts and even used my social security number to apply for an house thats constantly calling me saying I am in debt at a place that I have no knowledge about! This situation has set me back major I am getting denied for things I need for my family because these hackers have destroyed my name and SSN.I have attached a police report and an FTC report below.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hi my name is XXXX XXXX. I am filing this form out today because I have recently find out that I have been an victim of identity theft. Ive recently found out through my bank XXXX XXXX XXXX XXXX that someone has been inside my account charging my accounts fraudulently buying things with my debit and credit card and running 2 accounts to the negative. So I ran my credit with annual credit reported and found out that my Social security number along with my email has been compromised to the Dark Web due to an breach that occurred with XXXX XX/XX/2021. I am looking to get help because they have ruined my credit put my accounts in the negative opened fraudulent accounts and even used my social security number to apply for an house thats constantly calling me saying I am in debt at a place that I have no knowledge about! This situation has set me back major I am getting denied for things I need for my family because these hackers have destroyed my name and SSN.I have attached a police report and an FTC report below.

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 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
unathorized charges, and no knowledge of accounts being open, reported fraudulent to ftc.gov and identity theft.gov, I have not lived in nevada since XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX at XXXX XXXX for XXXX years since XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I did not received such items merchandise or money from said debts and tried to removed it and credit beaureu keeps entering and re opening said debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: CO

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/2024, regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

Company response to consumer: Closed with explanation