vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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 immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, these entries were created fraudulently without my knowledge or consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask for your prompt attention in removing these items from my credit file. 
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 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 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 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

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 2024-12-11 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 formally notify you that I am a victim of a data breach, which has resulted in fraudulent inquiries being made on my credit report. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiries be blocked and deleted from my credit file immediately. 
Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
Ive been trying to get phh mortgage to pay my property taxes for XXXX years Ive been on multiple calls with them and the XXXXXXXX XXXX XXXX XXXX  both at the same time and still havent gotten it successfully paid and now this years has been rejected too

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Cash App Information : XXXX XXXXXXXX XXXX XXXX Dates of Fraudulent Transactions : Year XXXX XXXXXX/XX/XXXX at XXXX ( Logged out ) this was not me XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX ) This was not me XXXX XXXX {$1500.00} XXXXXXXX XXXX ( XXXX XXXX ) This was not me XXXX XXXX {$20.00} XXXXXXXX XXXX  ( add money ) This was not me XXXX XXXX {$50.00} XXXXXXXX XXXX  ( add money XXXX This was not me XXXX XXXX New device login at XXXXXXXX XXXX XXXX logged out ) This was not me XXXX XXXX {$2000.00} XXXX XXXX ( payment ) This was not me XXXX XXXX {$1000.00} XXXX XXXX ( payment ) This was not me XXXX XXXX {$2000.00} XXXXXXXX XXXX  ( payment ) This was not me XXXX XXXX {$2500.00} XXXX XXXX ( payment ) This was not me XXXX XXXX {$1000.00} XXXXXXXX XXXX ( it services ) This was not me XXXX XXXX {$50.00} XXXXXXXX XXXX ( add money ) This was not me XXXX XXXX New device login at XXXXXXXX XXXX ( logged out ) This was not me XXXX XXXX {$1.00} XXXXXXXX XXXX  ( add money ) This was not me XXXX XXXX {$3000.00} XXXX XXXX ( payment sent ) This was not me XXXX XXXX {$50.00} XXXX XXXXXXXX XXXX XXXX XXXX  This was not me XXXX XXXX {$10.00} XXXX XXXXXXXX XXXX XXXX XXXX This was not me What Happened : I am a victim of identity theft and fraud. A man, posing as a bank security representative using the name ( XXXX XXXX ), called me on XX/XX/year>, using a phone number registered with XXXX. He contacted my banks, XXXX and XXXX XXXX XXXX, pretending to be me. This deceitful scheme allowed him to hack into my accounts. He charged unauthorized purchases to my XXXX debit and XXXX and XXXX  credit cards, submitted applications for XXXX consumer loans in my name with both XXXX and XXXX and drained all the funds from each of my accounts, leaving me with devastating financial consequences. The man also purchased items from XXXX, and XXXX using my identity and funds. 
The man funneled the funds from my bank account through XXXX XXXX, XXXX, and Cashapp. The Cashapp, XXXX XXXX, XXXX, and XXXX XXXX names were " XXXX XXXX, '' " XXXX XXXX, '' and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I was trying to get XXXX XXXX jobs as well as a loan And I couldn't even open a bank account on something I have no clue about

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I submitted my Christmas Bonus check via Mobile Deposit on XX/XX/year>XXXX  and at that time the app said funds would be available on XX/XX/year>. I am now being told they are holding all of my deposit until XX/XX/year> even though the check has been moved from my Employers bank to US Bank on XX/XX/year>. How is it legal for US Bank to continue to hold my funds even though US Bank has had my funds since XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
I have listed on my credit report a bankruptcy XXXX  XXXX that was filed XX/XX/year>. I have reached out to LexisNexis who reports to XXXX their information and XXXX reports it on my credit report. However, LexisNexis sent me a letter stating that they DO NOT have a bankruptcy in their records for me. I also disputed it with XXXX multiple times and returned VERIFIED NO CHANGE. When XXXX reports to Lexis Nexis and these two companies have NO BANKRUPTCY for me. LexisNexis filed a dispute against XXXX for reporting this in XX/XX/year>. A guy from XXXX named XXXX called me and said he was helping out a fellow colleague named, XXXX XXXX who was on my complaint. But NOTHING has been done. 

I am asking that the bankruptcy be deleted from my report. XXXX and XXXX has deleted this from my report and I do not understand why XXXX is giving me a grievance over deleting this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
I am writing to formally request the removal of inaccurate information from my XXXX report. I recently obtained a copy of my XXXX report, and upon review, I discovered discrepancies that I believe to be incorrect and damaging to my professional reputation. 
The following is a summary of the inaccurate information I found : Inaccurate Information : Report Date : XX/XX/year> Disputed Item : Accident report Explanation : XXXX XXXX STATED THAT THERE WAS TO BELIVE THAT I HAD A BACKING ACCIDENT IN THE STATE OF VERMONT ON XX/XX/year> WHICH IS INACCURATE. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information in my XXXX report. I believe this information should be removed immediately to reflect the truth and to prevent further harm to my career. I request that you investigate this matter promptly and remove the inaccurate information from my XXXX report. 
Please acknowledge receipt of this letter and inform me of the steps you will take to resolve this issue. I would appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: NJ

Complaint narrative:
LexisNexis is reporting an eviction on my consumer report, on XX/XX/XXXX I requested the permissible purpose for this company to access my information under consumer law 15 USC 1681b. It is now XX/XX/XXXX which I have not been provided this information. Therefore, under consumer law 15 USC 1681N this was and unauthorized access which is a direct violation under this law. Not only that they are under violation of 15 USC 1681i where a company has 30 days for an investigation. We are well past this date as today is XX/XX/XXXX. This company is willfully non complying with FCRA consumer laws and violating my rights therefore I am requesting all remaining items to be permanently deleted as they have not been verified as of today. I've also noticed I am receiving multiple documents from them with the same date ( XX/XX/XXXX ) however all information has not been listed that I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file as I am a victim of a data breach. These accounts and inquiries were made without my authorization. I am asserting my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4400.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$3200.00} Fraudulent Inquiries : 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 2024-12-11 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: VA

Complaint narrative:
I am submitting this complaint regarding the failure of the credit bureaus to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which governs the process of disputing inaccurate information on credit reports. Despite my attempts to dispute inaccurate information on my credit report, the credit bureaus did not conduct a proper reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 5 ). They also failed to provide me with any sufficient documentation or detailed explanation regarding the results of the reinvestigation or the reasons for maintaining the disputed entries. This lack of transparency and failure to fulfill their legal obligations left me without the necessary information to understand or address the inaccuracies. As a result, I am filing this complaint to seek assistance in ensuring that the credit bureaus adhere to their responsibilities under the FCRA and provide the required information and proper resolution to my credit report disputes. 

the following accounts are inaccurate and fraudulent ( XXXX XXXX XXXX ) Account Number : XXXX ( XXXX  XXXX XXXX ) Account Number : XXXX ( XXXX ) Account Number : 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 2024-12-11 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: VA

Complaint narrative:
I am submitting this complaint regarding the failure of the credit bureaus to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which governs the process of disputing inaccurate information on credit reports. Despite my attempts to dispute inaccurate information on my credit report, the credit bureaus did not conduct a proper reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 5 ). They also failed to provide me with any sufficient documentation or detailed explanation regarding the results of the reinvestigation or the reasons for maintaining the disputed entries. This lack of transparency and failure to fulfill their legal obligations left me without the necessary information to understand or address the inaccuracies. As a result, I am filing this complaint to seek assistance in ensuring that the credit bureaus adhere to their responsibilities under the FCRA and provide the required information and proper resolution to my credit report disputes. 

the following accounts are inaccurate and fraudulent ( XXXX XXXX XXXX ) Account Number : XXXX ( XXXX XXXX XXXX ) Account Number : XXXX ( XXXX  ) Account Number : 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 2024-12-11 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : TXXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I opened a Venmo account. I did not even use it once. I provided all my information to confirm my identity. The first time I tried to use it, for a legitimate payment, I was told that the account was XXXX. I requested information many times, but was never given any. I never violated the user agreement, although I was told I was. There is no way to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America in the amount of {$240.00}, the account was incident happened XX/XX/XXXX, XXXX XXXX in the amount of {$1100.00}, the account documented the incident happened XX/XX/XXXX, XXXX XXXX has no amount documented but has it on my report as Closed-Purge with the date of XX/XX/XXXX, XXXX XXXXk also has no amount but has it on my report as Closed-Purge with the date of XX/XX/XXXXXXXX XXXX XXXX  has multiple accounts with no amount but as it listed as CLOSED-PURGE, with dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have reached out to every company listed above and advised them I am XXXX XXXX XXXX XXXX and identity theft and let know I need all of this removed as I am trying regain control of my life and get on the right track. I am working now and have no bank account currently I only have a savings account with XXXX XXXX because I am unable to have a checking account, due to these infractions on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation