vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: 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 explanation
Consumer complaint received 2024-11-14 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Unauthorized hard inquiries have appeared on my report, which violates 15 USC 1681b ( c ) ( 2 ). This is damaging my credit score. Kindly remove these entries.

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 2024-11-14 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 recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2024-11-14 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: AL

Complaint narrative:
Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.

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 2024-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I recently discovered that my personal information was compromised due to a data breach, which has resulted in unauthorized accounts and potentially fraudulent activity on my credit report. 

Since [ XX/XX/2024 ], I have identified multiple accounts and hard inquiries on my credit report that I did not authorize or initiate. These accounts appear to have been created following the data breach, which has exposed sensitive information that could have allowed unauthorized parties to access or misuse my identity.

To address this, I have taken the following actions : I contacted each of the three major credit bureaus ( XXXX, XXXX, and XXXX ) to notify them of the breach and dispute the fraudulent accounts appearing on my credit report. 
I submitted a formal request for blocking and deletion of the accounts impacted by the breach, citing my rights under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act, which requires the removal of accounts resulting from identity theft.

Additionally, I requested confirmation from each bureau of any corrective actions taken to ensure my report accurately reflects my legitimate credit history and is free from fraudulent entries. 
To resolve this issue fairly, I am seeking the immediate removal of all unauthorized accounts and inquiries resulting from the data breach, written confirmation of the corrective actions, and identity theft protection measures for at least 24 months to safeguard against further potential misuse of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MS

Complaint narrative:
Unauthorized inquiries are damaging my credit report under 15 USC 16c-2. Kindly remove all unapproved 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 2024-11-14 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-14 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:
After reviewing my credit report, I found some late payments that seem inaccurate based on my payment record. Could you correct these errors and update my 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 non-monetary relief
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following 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

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm a victim of XXXX XXXX and Transunion said they didn't receive my identification card witch i sent it twice. so i called on Monday XXXX the agent gave me a email witch i sent my identification card. So now they are giving the run around about my identification card was not sent to the email cause it was a not the right email and I know it was correct cause i called back and talked to another agent and they told me it was the right email address. I need those items off 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 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I am sending another message to bring to your attention an issue of Absolute Resolution Corp. reporting fraudulent information on my credit I reached out to you about the company harassing me with text messages and emails. Now they are reporting fraudulent information. The company responded to my complaint, stating they were going to cease and dismiss all activity. Well, they lied. Now they have started reporting false information to the credit bureaus. I would like legal action taken against this company and fines imposed for harassment and discrimination by Absolute Resolution Corp. This unacceptable behavior has created stress for me. I have made multiple attempts to address the issue with the company, but the behavior has persisted. I am requesting that your company take immediate action to investigate and address this issue again. I strongly encourage you to take immediate action. I have filed a complaint with the attorney general to address this issue, as it has caused a more severe impact on my mental and physical well-being. I am now seeking counseling due to the stress that Absolute Resolution Corp. has caused me. I have studied the laws of Section 605B of the Fair Credit Reporting Act, which details your responsibility to investigate a company for harassment discrimination, and fraudulent information on my credit report. Please let me know if you need any other information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I signed up for a venmo account today. After signing up with personal information, I attempted to add a debit card to the account. Due to an issue on their side, the payment did not process. I verified with my bank that my card was working correctly. Because the payment failed, my account was suspended. I then talked with a customer service agent at ( XXXX ) XXXX. They informed me I must provide a copy of my photo ID in order to unsuspend my account. Because of this, I informed them I just wanted to close my account as I am not comfortable with providing a copy of my photo ID through the application. They refused to close my account with a picture of my photo ID. Their app does not require a copy of a photo ID to create the account, and should not require it in order to close it. I just want it closed so it isn't out there for potential fraud. I never even completed a transaction on there, including any loading or unloading of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kikoff Inc.
State: FL

Complaint narrative:
Kikoff and XXXXXXXX XXXX have reported the status of my accounts as Charged off but have not sent me the necessary tax forms ( 1099-c ) to report the charge offs as income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized inquiries appeared on my credit report this morning, and I am both confused and frustrated as to how this happened. I checked as usual, only to find unexplained entries. Despite refreshing my browser, they were still there. I urgently need the documents I provided to be thoroughly examined so this issue can be permanently resolved.

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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX hard inquiries have appeared 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 2024-11-14 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: LEXISNEXIS
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX SSN : XXXX LexisNexis XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Request for Removal of Inaccurate Information Dear LexisNexis, I am writing to formally request the removal of inaccurate items from my consumer report. After reviewing my report from XX/XX/XXXX, I identified data that I believe is incorrect. This letter is to request your assistance in investigating and removing these items. 

As a consumer reporting agency governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., LexisNexis has a legal obligation to ensure that all information in consumer files is accurate and free from errors. Specifically, under federal law, you are required to : 1. Follow reasonable procedures to assure maximum possible accuracy of information in the consumer report, as per 15 U.S.C. 1681e ( b ). This section requires consumer reporting agencies to achieve a high standard of accuracy, as demonstrated in cases like Burke v. Experian Info. Sols., Inc. , where the court highlighted the strict requirements for assuring maximum accuracy.

2. Comply with investigation requirements under 15 U.S.C. 1681i when a consumer disputes the accuracy of their report.

3. Restrict the provision of consumer files to entities that have a permissible purpose, as required by 15 U.S.C. 1681b.

4. Provide consumers access to their own file, as outlined in 15 U.S.C. 1681g.

Please provide verifiable documentation, such as the original contract or similar evidence bearing my signature, for the items listed in the attached Exhibit A. Under the FCRA, if you can not provide documented and verifiable proof, you must remove all unverified, invalid, or derogatory information from my report.

Upon completion of your investigation, please send a detailed description of the procedures used to verify the accuracy of the items I am disputing, along with the name and contact information of the representative handling this case.

Once corrections are made, please send an updated copy of my report. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
I looked at my credit report and noticed some things are incomplete and not accurate and according to the fair reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates this account. XXXX XXXX ACCOUNT XXXX is not complete and is not accurate. ACCOUNT OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS IS NOT ACCURATE. 

XXXX XXXX ACCOUNT NUMBER XXXX Is not accurate. 
XXXX XXXX  ACCOUNT NUMBER XXXX Is not accurate.

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 2024-11-14 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
date : XX/XX/XXXX Trans Union, XXXX, XXXX To Whom it may concern The accounts is fraudulent on my credit report. I am taking action to get them off my credit report. I did not open these accounts it wasn't by me they are affecting my life Since COVID 19 I've been having problems with fraudulent accounts on my profile XXXX XXXX XXXX XXXX Account Number # XXXX opened on XX/XX/XXXX Total fraudulent amount : {$10000.00} XXXX XXXX XXXX XXXXXXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$3500.00} XXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$5900.00} XXXX XXXX XXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$3700.00}

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 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX, approved and opened my account after checking my credit reports. 
XX/XX/XXXX, withhold payments after order placed with XXXX, demanding copy of SSN card, Passport, Driver License and A mail, even want me to send these via email!! Never had to send a copy of SSN card to anyone!

Company response to consumer: Closed with explanation