vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: CA

Complaint narrative:
i am a victim of identity theft and have never had any contract with the following companies. I MUST DEMAND the original promissory note, and not a copy of a contract or statement coupon. In reference to caselaw XXXX XXXX XXXXXXXX, the absence of a valid promissory note would, indeed undermine any cleaning to any assumed that. No promissory note means you have no valid claim. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires present meant of the account in general ledger statement, signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. ( XXXX ). The following accounts be removed pursuant to FCRA 605B and title 15 USC 1681 c-2. Any attempt to collect a debt is actually alleged indirect action. May be held liable pursuant to title 15 USC 1681n and 15 USC 1681o for willful or non-willful negligence the following inquiries were never consented on my behalf and i never gave permissible purpose. 

INQUIRIES ; Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-27 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX  credit report shows hard credit inquiry from Santander Bank and I tried calleing them but they would hang up on me and not help me why they ran this hard inquiry on my credit without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I was served papers stating I was being sued by XXXX FUNDING/RESURGENT CAPITAL SERVICES for a debt that was a result of fraud and has been reported to law enforcement and the case is still ongoing. I have never signed a contract with this company. I did not give consent to pull my consumer report. I did not give them my non-public information ( ssn ) I do not know how they obtained my non-public information. To whom is may Concern, I dispute your claim and I am requesting validation from you pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting or court proceedings until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had my phone stolen with a lot of my information in it on XX/XX/XXXX and the thiefs tried stealing money from all of my accounts and also opened two credit card accounts under PayPal with my name, they also tried to open a credit card with XXXX but I had already frozen my credit. I called PayPal they removed the credit cards but they inquires are still showing on my report can I get these removed please

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 2024-06-27 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:
I PAID THE XXXX XXXX XXXX XXXXXXXX CREDIT CARD IN FULL AND THEY WILL NOT UPDATE ALL THREE OF THE MAJOR CREDIT BUREAUS. I'M BUYING A HOUSE NEXT WEEK AND I CANT CLOSE BECAUSE OF THIS ERROR ON TRANSUION XXXX AND XXXX. I DONT OWE THIS COMPANY ANYTHING

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I PAID THE XXXX XXXX XXXX XXXXXXXX CREDIT CARD IN FULL AND THEY WILL NOT UPDATE ALL THREE OF THE MAJOR CREDIT BUREAUS. I'M BUYING A HOUSE NEXT WEEK AND I CANT CLOSE BECAUSE OF THIS ERROR ON XXXX EQUIFAX AND XXXX. I DONT OWE THIS COMPANY ANYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I PAID THE XXXX XXXX XXXX XXXX CREDIT CARD IN FULL AND THEY WILL NOT UPDATE ALL THREE OF THE MAJOR CREDIT BUREAUS. I'M BUYING A HOUSE NEXT WEEK AND I CANT CLOSE BECAUSE OF THIS ERROR ON XXXX XXXX AND EXPERIAN. I DONT OWE THIS COMPANY ANYTHING

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 2024-06-27 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: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX AN XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX GXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I was placed on administrative forbearance during Mohela 's transition to new platform. Subsequently they capitalized my outstanding interest, {$29000.00}. I did not request this forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : 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 non-monetary relief
Consumer complaint received 2024-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2024-06-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are multiple inquiries negatively affecting my credit score. My identity was stolen and the guilty person keeps trying to open cards in my name.

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 2024-06-27 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: NY

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-27 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:
I have a genuine concern regarding the inaccurate information on my credit report. My credit score is important to me as to anyone else 's. These inaccuracies are creating constant stress whenever I can not get approved for new credit due to the errors being reported on 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 2024-06-27 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: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

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 2024-06-27 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: Global Lending Services LLC
State: LA

Complaint narrative:
My wallet was stolen and someone attempted to use my information fraudulent that resulted in unauthorized fraudulent hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: Westlake Services, LLC
State: LA

Complaint narrative:
My wallet was stolen and someone attempted to use my information fraudulent that resulted in unauthorized fraudulent hard inquires.

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 2024-06-27 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: WI

Complaint narrative:
I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
XXXX XXXX- Tried to withdrawal funds from Goldman Sachs Marcus XXXX ..... It repeatedly failed .... 
Step 1. customer service says there's a restriction on my account, preventing me from making transfers...

Step 2. Transfer funds TO the account.

Step 3. Ask why I'm able to make deposits?

Step 4. They say Fraud has detected suspicious activity on your account and placed a hold.

Step 5. Ask why I haven't been informed of this, and Why i that is the case Im able to make deposits under the pretense I can get it back...

Step 6. Call the phone number they supplied.

Step 7. Verify my Birthday, Social, Secret word, and full name with customer service, get directed to Fraud team .....

Step 8. Fraud team says my State ID doesnt qualify for authentication, and neither does the phone number that I use to verify when I login ..... I asked why it doesn't qualify... I was repeatedly told they can not tell me, and will not discuss details of my account or their processes .... I will have to " submit a case '' and will be contacted in 3-7 business days.

Step 9. Ask which department will be contacting me and asked to speak with them. I was told No.

Step 10. Ask if there is a supervisor I can speak to. I'm directed to another agent... 
Step 11. When I am told there is nothing they can do, and my single only option is to speak with the other team who will contact me in 3-7 business days, I ask to speak to a supervisor or HR, or Customer feedback center. I am given XXXX information and told that no such department exists, and I am unable to contact them myself ..... 

I am completely unable to access the funds in my account, Marcus is entirely unable to provide a reason why, and is purposefully giving me the runaround and not informing me why they are unable to authenticate me despite me being able to log in and receive one time pins for every other account action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX Account Number : XXXX I have contacted XXXX XXXX to let them know that I was not paying this account. Under Federal Law 15 USC 1692c they are required to remove this account from my credit report. They have not removed this account yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX  Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXXXXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : account name : XXXX 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 2024-06-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

In conjunction with 15 U.S.C. 1681 et seq., I am reporting the inaccurate information provided below as it directly violates my federally protected consumer rights by failing to promote accuracy and fairness. 

Former Addresses : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, VA XXXX Formerly Known as :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