vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-10 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit report I noticed some accounts I am not familiar with. I have asked the CRA 'S for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my id, the FTC complaint, a copy of the XXXX report showing my information being exposed in the national data breach and a validation of debt letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I believe the account is invalid. TRANSWORLD SYSTEMS INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.TRANSWORLD SYSTEMS I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: TX

Complaint narrative:
Hi I have a business account with wise. Wise have closed my account without any notice. I already made an appeal to wise support for reactivation of my account and i will happily provide anything they need to reactivate my account. But they said we made our decision and we cant reactivate your account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I may not know the exact terminology, but I know that this company has been harassing me for as long as I have been disputing these accounts. I am an individual seeking to restore the balance of my life and my credit. These debt collectors purchase debt whether or not it is accurate information. I spent just as much time disputing the information with the debt collector as I spent with the company. 
This particular credit card was a secured card within {$1000.00} limit. They try to charge me {$470.00} in interest fees and they actually owe me money. I'm not worried about the few dollars that was left on that card, but I should take you to court for that and what you owe me for the emotional distress that you have continued to cause me. After several disputes they have finally taking the balance off but they have refused to remove this from my credit. I'm not sure what code they used but whatever code they use cost my credit score to go down XXXX points. 
I am sure they are in violation of the Fair Credit Act and will not be satisfied until they receive my Notice of Intent To Sue, followed by my lawsuit. You do not have the right to hold my credit hostage for money that I do not owe you. I used my own money to open up my secure account. What you have done is affecting my ability to obtain credit and I need credit to support my business and my children so therefore when I tell you I am about to sue your company and ensure that you and any of your sister companies do not touch my credit again, Your last warning was my final attempt to let you know, but I will complain as many times as it takes and if I have to go to the Better Business Bureau or any other avenue, you will see me on that corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$210.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$130.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$210.00} Account Name : XXXX  XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00}

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 explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX, Last XXXX of XXXX XXXX, Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) an account at XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX under account number XXXX an account at XXXX XXXX/XXXX  opened XXXX XX/XX/XXXX XXXX account number XXXX an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. An account at XXXX opened on XX/XX/XXXX under account number XXXX. An account at XXXX opened XXXX XX/XX/XXXX under account number XXXX. Hard inquiries such as XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
scammers use my personal information and signed up for capital one credit card since XX/XX/year> until the account was charged off. this is my 3rd time being victimized off fraud purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: AL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
Im disputing unauthorized inquiries on my credit report under 15 USC 1681c-2. This incorrect data is damaging my credit score. Kindly have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
Experian has demonstrated a complete lack of compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, they are denying my right to access my free annual credit report via XXXX, further obstructing my ability to monitor and protect my credit. 
This negligence has caused ongoing harm, including wasted time, frustration, and financial insecurity. Experian is not only violating the FCRA but also showing willful disregard for my rights as a consumer. 
Im invoking my rights under 15 U.S.C. 1681c-2 of the FCRA, requiring Experian to block and permanently remove fraudulent accounts and inquiries from my credit report without further reinvestigation. I have already filed a verified identity theft report numerous of times. 

Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within XXXX ( XXXX ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ) .Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within XXXX ( XXXX ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ). 

Please remove fraudulent account ( XXXX ) and unauthorized inquiries. 
Account ( s ) : XXXX XXXX Account : XXXX Balance : {$0.00} Date Open : XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX By willfully violating the FCRA , I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certied Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
I have attempted several times to correct or provide a reasonable explanation. If I am fortunate enough to finally reach a person after XXXX minutes dealing with the XXXX, they are unable to assist and/or will provide an unrelated answer that provides no help. 

During the previous XXXX to XXXX years, my credit score has not been below XXXX, and at times has been a perfect XXXX, unless there was an error by Equifax. 

Recently, my credit score has been in the XXXX range and at times much lower and no one is able to explain. My credit score will change drastically downward by as much as XXXX  points, and no one can explain. 

I review the categories, listed below, they are not represented correctly and are hurting my credit score. I have worked very hard during the last XXXX decades to maintain over XXXX credit score, but it is impossible with whatever is being managed behind the scenes that no one can explain. 
PAYMENT HISTORY - 35 % of score - Rated EXCEPTIONAL AMOUNT OF DEBT - 30 % of score - Rated VERY GOOD?? - MY DEBT RATIO IS LESS THAN 1 %!! HOW IS THIS NOT EXCEPTIONAL?? 
LENGTH OF CREDIT HISTORY - 15 % of score - EXCEPTIONAL AMOUNT OF NEW CREDIT - 10 % of score - FAIR?? - DURING MY MORTGAGE RATE SHOPPING WHEN RELOCATING THERE WERE XXXX OR XXXX HARD INQUIRIES WITHIN XXXX WEEK. ACCORDING TO EQUIFAX 'S OWN PROCESS, THESE SHOULD BE COMBINED AS XXXX HARD INQUIRY. I HAVE EXPLAINED THIS SEVERAL TIMES TO EQUIFAX AND THE ANSWER IS THAT IT IS SHOWING IN THAT MANNER, BUT NO ONE CAN PROVIDE DOCUMENTATION. XXXX XXXX  AND XXXX HAVE XXXX HARD INQUIRIES AND THE INFORMATION IS FROM EQUIFAX. 

I HAVE NOT SPOKE TO ANYONE WORKING FOR EQUIFAX THAT WILL ACTUALLY TAKE THE TIME TO RESEARCH OR REVIEW WITH ME. I HAVE ONLY BEEN PROVIDED WITH AN ANSWER THEY FEEL IS CLOSE TO MY ISSUE, BUT IN REALITY IS NOT. I SPOKE WITH XXXX PERSON AND HE PRETTY MUCH STATED, OH, YOU JUST HAVE TO TRUST THAT EQUIFAX IS DOING THIS CORRECTLY. I HAVE ATTEMPTED TO PROVIDE PROOF, BUT NO ONE THAT I HAVE SPOKEN WITH SEEMS TO CARE AND DEFINITELY HAS NO INTEREST IN SPENDING THE TIME TO INVESTIGATE. THESE ISSUES HAVE BEEN GOING ON FOR APPROXIMATELY XXXX MONTHS NOW. PRIOR TO THESE ISSUES, THERE WERE OTHERS THAT TOOK MONTHS TO RESOLVE AND THE ONLY REASON THEY WERE RESOLVED IS BECAUSE OF THE COMPLAINT THAT I FILED ON THIS WEBSITE. EQUIFAX IS SUPPOSEDLY MANAGING XXXX OF THE MOST IMPORTANT ITEMS THAT EACH PERSON NEEDS TO MANAGE THEIR OWN LIVES, YET THEY DO NOT SEEM TO CARE. VERY VERY FRUSTRATING TO SAY THE LEAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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