vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: IN

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent account listed below from my credit report. As a victim of a data breach, I did not authorize this account, and it does not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Account XXXX - XXXX - XX/XX/year> - {$7700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Recovery XXXX XXXX XXXX XXXX XXXX, OH XXXX Reference : XXXX Dear Recovery One, I am writing to formally dispute the debt referenced in your letter dated XX/XX/year>. This letter fails to provide sufficient information regarding the origin or reason for the alleged debt to XXXX XXXX. As a former employee who was injured on the job, I question the validity of this claim and believe I do not owe the amount stated or any debt at all. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : A full validation of the debt, including a detailed explanation of how the amount was calculated and why it is attributed to me. 
A copy of any agreement or documentation that proves my obligation to pay this debt. 
The name and address of the original creditor, if it is not XXXX XXXX. 
I also request that you cease all collection efforts until this debt is properly validated. Please be aware that I reserve my rights under the FDCPA, including the right to report any violations of the law to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Additionally, if this matter is not resolved and this alleged debt remains on my record, I may seek legal counsel to address the potential harm caused by this claim. 

I request all future communication to be in writing and sent to the address listed above. 

Thank you for your attention to this matter. I look forward to receiving the requested information promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute the late payment entries on my credit report as per the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically referencing 15 U.S. Code 1666 ( b ) concerning billing errors.

Upon reviewing my credit report, I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided. 

It is imperative to note that I did not receive a statement from the creditor at least 21 days before the due date as required by law. Therefore, any reported late payments are unfounded and constitute a billing error. 

I hereby demand that the creditor provides substantial evidence from their records that validates the alleged late payments. It is essential for me to be furnished with concrete proof that payments were not received within the agreed-upon time frame, as failure to do so would confirm the presence of a billing error. 

The erroneous late payment entries listed below must be promptly updated to accurately reflect my payment history : XXXX. Account XXXX : XXXX XXXX, Account 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 2024-11-27 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: MS

Complaint narrative:
IT HAS COME TO MY ATTENTION MY PERSONAL INFORMATION HAS BEEN EXPOSED IN A NATIONAL DATA BREACH. AFTER REVIEWING MY CREDIT REPORTS, I NOTICED SOME ACCOUNTS THAT 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 SUPPLIED 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 NPD REPORT SHOWING MY INFORMATION BEING EXPOSED IN A 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 non-monetary relief
Consumer complaint received 2024-11-27 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: IN

Complaint narrative:
Unauthorized Hard Inquiries. To whom this may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which is securities fraud and did not authorize my credit to be pulled during the highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are as follows : Equifax : XXXX XX/XX/year>, and all other pulls from this company, XXXX XXXX XXXX XX/XX/year> and all other pulls from this company, XXXX XXXX XXXX XXXX  XX/XX/year> and all other pulls from this companyXXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XX/XX/year> and all other pulls from this company, XXXX XX/XX/year> and all other pulls from this company, XXXX XXXX and all other pulls from this company, XXXX XXXX XX/XX/year> and all other credit pulls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XXXX XXXX, XXXX - {$00.00} XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 2024

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 2024-11-27 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: WI

Complaint narrative:
I have three inquiries on my Experian credit report that I did not do or authorize from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have one inquiry on my XXXX credit report as well that I did not authorize or do

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 2024-11-27 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I am writing to formally address an issue regarding reporting practices by Concora Credit, which have negatively impacted my credit profile and, as a result my ability to secure housing has been destroyed.

The actions of Concora appear to violate my rights under the Fair Credit Reporting Act ( FCRA ) and also my rights as a consumer.

Under 15 usc 1681 Sect 602 states I have a right to privacy, under 15 1681 Section 604A Sect 2 states a consumer reporting agency can not furnish an act without my written consent, which I never gave.

I am requesting that Concora remove the 2 late payments off my credit reports, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: WI

Complaint narrative:
On XX/XX/year>, I tried logging into my account. Because I didn't know my password, I tried resetting it. I found first that the portal did not recognize either of my phone numbers. Then, after trying again, I found that it sent a code to a phone number on the account and I never received it. I then tried using the " Forgot Username '' option to see if I had that correct. It then sent an email to get that process started and it showed part of an email that was not mine. 

So, I immediately called Experian at their regular phone number XXXX. This phone number leads to an automated response system that is not set up to handle identify theft that occurred with an Experian account. I called it several timesm to see if I could get to a real person who understands the problem. My first complaint is that it would not allow me to talk to a person! Experian gives no other phone number on their website. After doing some online searches, I found a number that might give me some help. It turns out that was an XXXX number. But, I was able to talk to a real person at XXXX, who gave me a phone number to try at Experian. 

That phone number was XXXX. I was able to talk to a real person, but it turns out that phone number is for XXXX XXXXXXXX. That person then gave me the phone number for the Experian XXXX XXXX, which was XXXX. With them I was able to create a case and received an escalation ticket/case number. I'm in the process of arranging to send them multiple sensitive identify documents so that they can close my account. 

I opened this complaint primarily because Experian should make it much easier and transparent on who to contact at Experian when an Experian account has been hacked. I should not have to search the web for a way to contact them. I am still nervous about sending them all of this information, but it seems I have no choice. 

I will update this complaint, if possible, if I have any further problems with this process regarding my Experian 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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
1. I have never held or know of anyone who has an American Express card 2. they fail to verify account ownership 3. they violate several consumer and other federal rules and regulations 4. main violation of the ACH Act. 

On XXXX American Express initiated and completed an ACH transaction in the amount of {$6500.00} from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account ending in XXXX On XXXX American Express had made Another ACH tranaction on XXXX XXXX XXXXXXXX account ending in XXXX in the amount of {$5800.00} these transaction in no way shape or form was ever athurized by XXXX XXXX XXXX XXXX I get {$1200.00} from SSDI so The money that was illegality taken from my accounts was a year worth of incomre to me im homless and without a vhecial because of these actions and ive tried and tried to contantct and work with Amarican Express on returni the stolen funds and all they say is you are not a card holder we cant help you i lost evertyhing and they get to keep money that either they or they where used as an insturment to steel and the way they are acting i believe they puposley took it im notifing congress and texas dps and they states attorney and finance commisioner and the news they have to give this mobney back it was never ther right to even touch these accounts and i am pursuing the ACH act and demand proof of authrization writen with signature like the law states not a check box from a web site beacuse i want to know who authorized the transactiopn so it can be reported to XXXXXXXX XXXX i am excersing the ach act. i know for a fact no document can be produced because i never signed or wrote one and i wish to know how they got my account information twice im asking congress and CFPB and Texas Attorney general to start a full investigation in to financial crimes being conducted either by or through American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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 blocking and deletion of fraudulent accounts that have appeared on my credit report. As a victim of a data breach, I did not authorize these accounts. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts be removed promptly.

Fraudulent Accounts to Be Blocked and Deleted 1. 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

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 2024-11-27 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 XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX i deposited a check from my XXXXXXXX XXXX XXXX into my bank of America checking account ending in XXXX. The check was in the amount of XXXX. The check ended up being declined because apparently someone called me for a security check and I never answered. The check being declined is not a big deal. My problem is that bank of america placed the XXXX dollars i had in my other account on an overdraft hold because apparently the check cleared and was immediately placed on hold. This is absolutely ridiculous and extremely annoying because my account that had XXXX removed from is now at XXXX balance and the other one that the check was deposited into still has funds. This is not the first or send time i have problems with bank of America. Why the need to take funds from my other account if the account that the check was deposited in still had funds left over?

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 2024-11-27 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: CA

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 XXXXXXXX BALANCED {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ( 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 2024-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TN

Complaint narrative:
Numerous times I have tried to call and login online to activate or verify the funds on the card and it only ever tells me that nothing can be found and to try again. The most recent time XX/XX/year> I tried to submit a claim ticket online and that did allow anything to be submitted either.

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 2024-11-27 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: IN

Complaint narrative:
This is an amended filing this account due to me accidentally putting the wrong information in my prior complaint against this company for these violations. I gave the wrong name for the debt collector. I am correcting the info here concerning a collection type of account. It was opened on XX/XX/XXXX. The name of the account was XXXX XXXXXXXX XXXX 
1. Equifax Failed to follow reasonable procedures for ensuring accuracy of the consumer 's information. 15 USC 1681 e ( b ) 2. Equifax Failed to properly investigate or reinvestigate a consumer 's dispute 15 USC 1681i ( a ) ( 1 ) ( A ), and 15 USC 1681S-2 ( b ) 3. Equifax Issued or obtained a consumer report for an impermissible purpose 15 USC 1681 b, invasion of privacy. See 15 USC 1681 A [ 4 ], right to privacy, 15 USC 1692 right to individual privacy protected by the Privacy Act of 1974.

4. Equifax Failed to acknowledge15 USC 1666 B failing to disclose requested documentation 5. Equifax Failed to acknowledge the Exclusion section of 15 USC 1681 a 2
which states that transactions and experiences shall not be reported which are late-payments and hard inquires 6. Under the Fair Credit Reporting Act and according to 15 USC 1681 C 2 ( N ), Equifax should have blocked this information from my credit report within four days. Please see Attached " Description of Incident ''

Company response to consumer: Closed with explanation