vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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:
Equifax and XXXX have been unable to proivde me with verification of the debt per FCRA. 
Ive notified both agencies of the identity theft, Further there is a long term fraud alert and has been on all reporting agencies since the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Ive filed an identity theft report for the items of XXXX XXXX XXXX XXXX These agencies have refused to remove the fraud from my report, At this time I have retained counsel and am sending this and the FTC report via certified mail again, These companies have 14 days to remove these items of fraud from my report or face civil damages. 
I am prepared to file suit in XXXXXXXX XXXX XXXX XXXXXX/XX/year> should all this not be delted from my files. 
I plan on filing suit against the companies reporting the info AND the Bureau publising the infomation as both violate FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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 have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acount before i seek litigation for defamation of character ). XXXX XXXX. {$1500.00}, XXXX XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX. {$2200.00}, XXXX XXXX XXXX XXXX. {$250.00}, XXXX XXXX XXXX XXXX. {$800.00}. 
Accounts Affected by the 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 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Frontier charged my Frontier Mastercard {$590.00} on XX/XX/2024. I disputed the charge with Mastercard, having no idea what it was for. Mastercard temporarily credited the {$590.00} but was unable to tell me what the charge was for. Mastercard subsequently placed the charge back on my credit card and closed my dispute, allegedly because I failed to return two ( 2 ) phone calls. ( I have no record of any voicemail messages from Mastercard. ). Mastercard referred me to Frontier for resolution. Frontier now refuses to remove the {$590.00} charge for a XXXX Pass that I did not authorize and do not have on my account because I filed a dispute with Mastercard. I informed Frontier that the dispute is closed ; I never authorized this charge ; and I do not have access to this XXXX pass. Frontier advised today that they also consider the matter closed. I have been charged {$590.00} for something I do not want - never authorized - and do not have. Sounds like an illegal scheme between Frontier and Frontier Mastercard to cheat people out of {$590.00} plus interest.

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 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
hese can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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:
hese can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
my Mother 's Car Was Stolen on XX/XX/XXXX i was XXXX at the time all our documents was stolen in that car Once i Became an Adult i Quickly Realized my Credit and name was fraudulently being used even Wrong Addresses and Incorrect Use of my Name, i reported to XXXX on XX/XX/XXXX provided the police report and proof of identity they removed the fraud account VyStar with a debt of {$1000.00}, opened XX/XX/XXXX then put it back on my credit report without fully investigating the documents provided i also have proof of them saying it was removed off my XXXX credit report on XX/XX/XXXX also with incorrect phone numbers listed the only number i own is 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 2024-08-16 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair with the fair credit reporting act XXXX account XXXX XXXX has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2024-08-16 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 looked over my credit report and discovered some credit card accounts that are not 100 % accurate and information that can not be confirmed in any manner! I now understand that it is illegal for you to submit any information, data, credit cards, or collections that do not appear to be entirely true. These rules safeguard both myself and other consumers. Within These fraudulent ACCOUNTS on my credit report are a serious violation of not reporting an account 100 % accurately. For these violations, I can sue EXPERIAN XXXX AND XXXX. The Fair Credit Reporting Act states that everything on my credit report must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ).

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 2024-08-16 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: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Attached please find the accounting from Capital One Auto Finance. Looking at the history from the Creditor it appears that the Creditor filed a proof of claim in the amount of {$30000.00} and the XXXX 's office also paid {$2100.00} in interest which is a total of {$32000.00} Capital One showed a balance of {$26000.00} as of XX/XX/2021 ( bankruptcy filed XX/XX/2021 ) Total Payments made by XXXX {$8200.00} Total Contract - {$38000.00} Total Payments between us and the XXXX  XXXX Trustee - {$41000.00}. 
Overpayment of {$2400.00} This is per their own records, which I have attached everything again for you for your reference and review. 
I also wanted you to know that it is not just harassing telephone calls, but it is also emails about XXXX times a week. 

Thank you for your time and consideration in this matter. 

Kindest Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent accounts are on my report that resulted from identity theft. I have notified TransUnion and provided my identity theft report but the accounts are still 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 non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, TramsUnion 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 receiving this complaint. Attached official police report, FTC Report and ID.

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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
Ive been a vicitm of identity theft in the past as my information as well as other military personnel had thier information leaked online, Ive had extended fraud alerts and credit freezes in place, Yet scammers have been able to open accounts with my information, obtain employment and more in my name. 

Ive filed with FTC and signed an affidavit affirming these items are fraudulent, Im reaching out via CFPB and Certified mail to the credit agencies one last time before initiating a law suit for damages.

According to my new legal cousel they have 14 days from today and this report to remove these fraudulent items from 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
Consumer complaint received 2024-08-16 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:
Ive been a vicitm of identity theft in the past as my information as well as other military personnel had thier information leaked online, Ive had extended fraud alerts and credit freezes in place, Yet scammers have been able to open accounts with my information, obtain employment and more in my name.

Ive filed with FTC and signed an affidavit affirming these items are fraudulent, Im reaching out via CFPB and Certified mail to the credit agencies one last time before initiating a law suit for damages.

According to my new legal cousel they have 14 days from today and this report to remove these fraudulent items from 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 non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Pursuant to 15 USC 1605a the finance charge included the sum of all charges so therefore this late payment is illegal and not valid please delete 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 explanation
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC
State: TX

Complaint narrative:
I received a XXXX payment as beneficiary of deceased wife and I tried to have it cashed. Instead of honoring it they told me it was altered and would not return it without a police report so I filed one, as well as, a complaint with the attorney general

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acount before i seek litigation for defamation of character ). XXXX XXXX. {$1500.00}, XXXX XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX. {$2200.00}, XXXX XXXX XXXX XXXX. {$250.00}, XXXX XXXX XXXX XXXX. {$800.00}. 
Accounts Affected by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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 have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acount before i seek litigation for defamation of character ). XXXX XXXX. {$1500.00}, XXXX XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX. {$2200.00}, XXXX XXXX XXXX XXXX. {$250.00}, XXXX XXXX XXXX XXXX. {$800.00}. 
Accounts Affected by the 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 2024-08-16 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: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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