vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 2024-11-04 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: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 explanation
Consumer complaint received 2024-11-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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 the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). There are multiple accounts within my credit reports that are not mine that need to be deleted. I have included them in my letters that I attached to 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 non-monetary relief
Consumer complaint received 2024-11-04 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: MO

Complaint narrative:
I have inquiries on my credit report that I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: MO

Complaint narrative:
I have inquiries on my credit report that I have no knowledge of

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 2024-11-04 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: DISCOVER BANK
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Company run my credit on XX/XX/year> without my knowledge or consent gave me 9 hard inquiries

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 2024-11-04 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Company run my credit on XX/XX/year> without my knowledge or consent gave me 9 hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Two years ago I had several unauthorized charges from XXXX charged to my Venmo account. Venmo tried to deduct the money from my linked bank but as I didnt make the charges or have the money available to cover them ( roughly {$1200.00} ) they declined and my Venmo account was frozen. There was no option to dispute the charges through Venmo and my attempts to contact them about it when nowhere. Recently I was sent a {$100.00} payment from a class action lawsuit to my Venmo account. When I tried to receive the money I was told I couldnt because of the money owed, and was finally given the opportunity to dispute the charges. Today they sent the resolution to those disputes, denying all of them, saying that they were consistent with my payment history. This makes absolutely no sense to me as I never once used Venmo for an XXXX purchase. These unauthorized charges are the only time an XXXX charge ever showed up in my Venmo account, and as I explained when filing the disputes as well as when they first appeared two years ago, I did not make these charges and they were unauthorized. I have no idea why Venmo ever even allowed them in the first place as they should have flagged them two years ago since they were in fact nowhere near consistent with my usage of Venmo. This has left me with a debt that isnt mine and no way of receiving the {$100.00} payment that they have no legal rights to keep from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
Mohela inaccuratly reported my federal student loan balance as increased by {$1000.00} which dropped my credit score. My balance on my Mohela portal is accurate and never shows a balance increase, as my balance has never increased. My credit report shows Mohela inaccuratly reported my balance as increased to {$1000.00} higher than my actual loan balance. 

I have been unable to get ahold of Mohela directly due to long wait times on the phone. Today, on XX/XX/2024, I submitted a dispute with XXXX  and a complaint with the Department of education requesting this error be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Review of my credit report revealed accounts I believe are fraudulent. Request 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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I contacted XXXX cred card companies, XXXX  XXXX and Barclays Bank. I informed them they are fraud, and this is identity theft as I never applied for these cards. They were supposed to close these cards and report them. I checked my credit report, and they are still open. I contacted XXXX to report the fraud, and they did an investigation but said everything is accurate. It is NOT! I never applied for these cards, and I never received these cards. They have been used and are not being paid. This is negatively affecting 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 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-04 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: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
Company responded Status Company responded on XX/XX/year> Response Type Closed with non-monetary relief Company 's Response CFPB # XXXX XXXX XXXX : XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX has reviewed your complaint filed with the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX Please accept this letter as our response. The information contained herein is personal and confidential. Your complaint involves an account that our client, XXXX XXXX XXXX XXXX, placed with XXXX for collection. XXXX does not own the account, and ownership remains with the creditor. XXXX acts as an authorized representative to collect the outstanding balance on behalf of the creditor. You indicated that you mailed a letter on XX/XX/year>, requesting verification of accounts reporting on your credit report. However, the account was not placed with XXXX XXXX XX/XX/year>, and XXXX sent an initial letter regarding the account on XX/XX/year>, a copy of which you provided with your complaint. As such, XXXX XXXX not have reported the account or received any dispute from you prior to XX/XX/year>, as XXXX was not yet aware of the account. Our investigation confirmed that XXXX has not reported the account to any credit reporting agencies. Any disputes filed with the credit bureaus prior to XX/XX/year>, would not have involved XXXX XXXX as XXXX had no knowledge of the account at that time. The account has since been returned to the creditor, and XXXXXXXX  will not make further attempts to contact you regarding this matter. If there are questions or concerns about credit reporting, we recommend contacting the creditor directly. If you have any additional questions or concerns, please contact XXXX directly using the information below. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX This communication is from a debt collector DESCRIPTION OF NON-MONETARY RELIEF Ceasing debt collection telephone calls or other company-to-consumer contacts ; Ceasing all contact/ Account closed and returned to creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
I AM CLEARLY A VICTIM OF FRAUDULENT INFORMATION, AS THESE ACCOUNTS ARE NOT MINE AND MUST BE TAKEN OFF FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: PA

Complaint narrative:
These addresses should be blocked and removed from my credit profile. Please delete it. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX TRANSUNION=============== # XXXX XXXX XXXX XXXX XXXX, PA XXXX # XXXX XXXX XXXX XXXX, PA 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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These addresses should be blocked and removed from my credit profile. Please delete it. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EQUIFAX=================== # XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX # XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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:
Found several accounts on my credit report that appear to be added without permission. Request these fraudulent accounts be blocked and removed.

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 2024-11-04 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: CA

Complaint narrative:
None of the reporting agencies XXXX XXXX or trans union have been reporting efficiently on all three reports. There are agencies unrecognized claiming to collect debts that don't belong to me and there's inquiries that i did not consent to. Pursuant to the fair debt collection practices act 15 United States Code 1692, all collections that don't contain original signatures and consents need to be removed from my credit. No agency has been able to send proof of obligation to pay. According to 15 US code 1681 ( c ) 2 all charge-offs need to be removed from my credit immediately according to 15 in US code1692 and 1692 ( g ) all collections you need to be removed without original consent and signatures and according to 15 U.S.C 1681 b ( 2 ) ,15 US Code 1666 ( b ) and 15 US code 1637 ( a ) all late payments need to be deleted off my credit report immediately and any and lastly under 15 US code1681 ( n ) all hard inquiries must be removed from my credit immediately. All three bureaus have refused to update their information so that they all reflect the same information and that is against the law and needs to be removed so that all three bureaus reflect the same information. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ). I have contacted all the bureaus and agencies and have requested that all these charge offs and negative marks be removed, but the bureaus have willfully non complied under The False Claim Act 31 U.S.C. 3729

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 2024-11-04 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: CA

Complaint narrative:
None of the reporting agencies XXXX Equifax or XXXX XXXX have been reporting efficiently on all three reports. There are agencies unrecognized claiming to collect debts that don't belong to me and there's inquiries that i did not consent to. Pursuant to the fair debt collection practices act 15 United States Code 1692, all collections that don't contain original signatures and consents need to be removed from my credit. No agency has been able to send proof of obligation to pay. According to 15 US code 1681 ( c ) 2 all charge-offs need to be removed from my credit immediately according to 15 in US code1692 and 1692 ( g ) all collections you need to be removed without original consent and signatures and according to 15 U.S.C 1681 b ( 2 ) ,15 US Code 1666 ( b ) and 15 US code 1637 ( a ) all late payments need to be deleted off my credit report immediately and any and lastly under 15 US code1681 ( n ) all hard inquiries must be removed from my credit immediately. All three bureaus have refused to update their information so that they all reflect the same information and that is against the law and needs to be removed so that all three bureaus reflect the same information. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ). I have contacted all the bureaus and agencies and have requested that all these charge offs and negative marks be removed, but the bureaus have willfully non complied under The False Claim Act 31 U.S.C. 3729

Company response to consumer: Closed with explanation