vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed some collections that I did not approve anyone to pull 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 2024-12-07 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: UT

Complaint narrative:
Subject : Complaint Regarding Failure to Delete Fraudulent Accounts from Credit Report violanting the law FCRA To Whom It May Concern, I am writing to file a formal complaint against [ experian ] for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX ( XXXX ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's

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 2024-12-07 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I recently found out I was a victim of the XXXX Data Breach and my personal information was compromised leading to improper use of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting that the following account be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This account was opened fraudulently in my name as a result of the breach. 
Account to Be Blocked and Deleted : XXXX XXXX ( formerly XXXX  ) Account Number : XXXX, Opened : XX/XX/year>, Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: WA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I am requesting that the following account be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This account was opened fraudulently in my name as a result of the breach. 
Account to Be Blocked and Deleted : XXXX XXXX ( formerly XXXX  ) Account Number : XXXX, Opened : XX/XX/year>, Balance : {$2000.00}

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 2024-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Heres the corrected version of your text, with improved grammar, clarity, and flow : The event occurred during the second week of XX/XX/year>. I remember the vehicle was initially towed due to judgment tickets. After recovering the vehicle from the impound for the judgment tickets, I was approximately 8991 days past due on the lease. Within a week of retrieving the vehicle, it was repossessed that evening. 

After the repossession, I contacted Infiniti Financial Services to explore my options for recovering the vehicle. Over the following weeks, I communicated with several customer service representatives, providing updates on my situation and discussing payment options. It wasnt until later in XX/XX/year> that I spoke to one representative and informed him I would be following up with a payment I was planning to send to Infiniti. 

After sending the payment, I reached out to them the following Monday. During that conversation, one representative informed me that I was still behind on the past-due amount. I explained to him that the payment I had sent the previous week covered the full amount required to recover the vehicle. However, after going back and forth with the representative, I requested to speak with a supervisor. 

I spoke with the supervisor for at least two hours as she reviewed the account notes. After thoroughly reviewing everything, she told me that I should have been able to recover the vehicle with the payment I had sent the prior week. I explained to her that the representative I spoke to earlier had not communicated this to me and had instead told me that I needed to send an additional payment. He also stated that the vehicle was scheduled to be auctioned off by a certain date. 

Hearing my frustration, the supervisor asked me to hold while she consulted her higher-ups to see if there was any way to release the vehicle. After waiting for 2030 minutes, she returned with unfortunate news. She explained that the vehicle had already been moved to the auction site, and although I was technically eligible to recover it, there was nothing further she or her superiors could do at that point. 

When I heard this news, it felt like being punched in the stomach and chest. I lost my sense of reality and was overwhelmed with emotions. This experience led me into a deep XXXX, affecting my employment, self-confidence, and overall sense of self for several months. Shortly afterward, the XXXX pandemic struck, pushing me further into a downward spiral.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-07 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: AL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made fraudulently in my name due to the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$560.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$430.00} XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, XXXX : {$380.00} XXXX. XXXX Account Number : XXXX, Opened : XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} Inquiries to Be Removed : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX  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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
XXXX credit report shows collection notice from collection agency. I Identified the source of the claim. The claimant ( Spectrum ) had my Name on the account, they had wrong address, wrong SS #, Wrong Email, Wrong telephone and wrong DOB. 

My initial complaint was with XXXX, XXXX responded stating " XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. 
A summary of the results are listed below : Collection : AMSHER COLLECTION SERVICES WE VERIFIED THAT THE ITEM IS YOURS. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION '' So, I am refiling my complaint against AMSHER Collection Services. I initially contacted them and was told all information was from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: CA

Complaint narrative:
I am writing to inform you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries related to this breach. 
Fraudulent Accounts : XXXX XXXX XXXX Date : XXXX Amount : {$00.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$410.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$660.00} XXXX XXXX XXXX  XXXX Date : XXXX Amount : {$800.00} Fraudulent Inquiries : 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 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had a cashapp account, used mainly for social media. After falling victim to fraud in XX/XX/2021, cashapp closed my account for violating their terms of service, but did not say what the violation was. I appealed their decision but was told the same thing with no details or explanation. Meanwhile Ive had XXXX trapped in their app. I can see it is there but there is no way to access it. Cashapp says I can sell my XXXX only. I dont want to sell it, I want to transfer it to my own wallet. But the app doesnt allow me to sell it either. Ive reached out to support countless times only to receive the same response again and again. They are holding my XXXX hostage! Zero transparency and zero support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NV

Complaint narrative:
In XXXX of 2023 I found out that I had become a victim of identity theft, in reviewing my credit report I found a credit card account in the amount of {$500.00} for XXXX XXXX XXXX . I have NEVER applied for such card or used this account. I filed an FTC and police report and sent them to XXXX XXXX  but have not had any contact or resolved the account.

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 2024-12-07 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: NV

Complaint narrative:
In XXXX of 2023 I found out that I had become a victim of identity theft, in reviewing my credit report I found a credit card account in the amount of {$500.00} for XXXX XXXX XXXX XXXX I have NEVER applied for such card or used this account. I filed an FTC and police report and sent them to XXXX XXXX but have not had any contact or resolved the account.

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 2024-12-07 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: NV

Complaint narrative:
I reviewed my credit report in XXXX of XXXX  and found that I had been a victim of Identity Theft. I found a XXXX Credit Card with a balance of nearly {$2000.00} which did not belong to me. I filed a FTC report and police report, I sent these and contacted XXXX Bank but have not had any communication or resolve the issue in more than a 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 non-monetary relief
Consumer complaint received 2024-12-07 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: NV

Complaint narrative:
I reviewed my credit report in XXXX of XXXX  and found that I had been a victim of Identity Theft. I found a XXXX Credit Card with a balance of nearly {$2000.00} which did not belong to me. I filed a FTC report and police report, I sent these and contacted XXXX Bank but have not had any communication or resolve the issue in more than a 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 2024-12-07 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:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-12-07 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: GA

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-12-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In XXXX of 2023 I found out that I had become a victim of identity theft, in reviewing my credit report I found a credit card account in the amount of {$500.00} for XXXX XXXX XXXX XXXX I have NEVER applied for such card or used this account. I filed an FTC and police report and sent them to XXXX XXXX but have not had any contact or resolved the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX  XXXX BALANCED {$20000.00} XXXX XXXX XXXX BALANCED {$6000.00} XXXX XXXX XXXX BALANCED {$6600.00} XXXXXXXX XXXX  - XX/XX/year> 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 XXXX  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 # ( private case number ) 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 2024-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: OK

Complaint narrative:
Beyond Finance contacted me and offered me a government assisted debt relief program and I guess in the fine print somewhere they got their fees first but I end up ended up paying them {$700.00} before they ever made a {$35.00} payment and the debt shouldve been paid off, so they just linked in the amount of time I would have bad credit And I stop payment on them or they wouldve just kept going. They kept wanting payments. I was paying {$260.00} every two weeks to them and they were taking their fees right off the top and they had the doctor looking like I was paying that down, but I wasnt paying it down. I was paying their fees first so I tried to get my money back from them and they wouldnt give me my money back so they owe me over {$700.00}. Something should be done about it cause they pray upon people who need help in the first place and it brought me farther down, gon na take longer for me to crawl out of this because of them Its not right something should be done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
My most recent credit report includes fraudulent accounts that I did not authorize. I request their immediate removal and blocking.

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 2024-12-07 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXX/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 2024-12-07 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: TX

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''

Company response to consumer: Closed with non-monetary relief