vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-21 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: WI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear Sir/Madam, I am filing a complaint regarding creditors who have exposed my personal information without my consent and are attempting to collect debts that are not accurate. Despite my attempts to dispute these claims, the creditors continue their collection efforts.

I request that the CFPB investigate the following : 1. The correction of inaccurate debt information reported to credit bureaus.

2. The protection of my personal information from further unauthorized exposure.

3. A cease in collections for debts that are not mine, with proof of such debts provided by the creditors.

I have attached relevant documentation to support my claims. Please let me know if additional information is needed.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I was an victim of fraud made two transactions one in the amount of XXXX and other for XXXX. Submitted police report as requested. Still denied refund after waiting nearly a month until investigation was done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that your company absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TN

Complaint narrative:
These are Fraudulent accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: TN

Complaint narrative:
These are Fraudulent accounts # 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 explanation
Consumer complaint received 2024-12-21 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: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Second Dispute for Inaccurate Information Request for Immediate Deletion Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Original XXXX Dear equifax, I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested validation of the collection account listed on my credit report with your bureau. I have yet to receive a satisfactory response or proof of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). As per my initial request, I sought validation of this debt, including documentation such as my signature or a contract to verify its legitimacy. To date, no such verification has been provided. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit file is accurate, verifiable, and complete. As the debt in question has not been properly validated, I assert that it is inaccurate and unverifiable. 
Additionally, Section 809 of the FDCPA mandates that a debt collector must validate a debt when requested by the consumer, and failure to do so results in the debt being considered invalid. Since no proper validation has been provided, this debt should be removed from my credit report.

Therefore, I request the immediate deletion of this collection account from my credit report. Failure to comply with this request will leave me no choice but to pursue legal action under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which can lead to significant penalties for non-compliance.

Please update me on the status of this dispute within 30 days, as required by law. If this account is not deleted, I will consider taking further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse.

Thank you for your prompt attention to this matter. I expect a resolution in accordance with the law.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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 am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX sales manager asked me to verbally give my complete SS # to a someone ( XXXX employee, he said ) in the middle of the crowded store!!!! He said I had to do it so he could verify I was the person who unfroze my credit with Trans-Union . I offered to give my last 4 of SS # in addition to other identifying info ( full name, complete address, full date of birth ). He told me to just step outside and tell the other person on the XXXX XXXX XXXX my complete SS #. I called transunion to see if this is standard practice ; I was told no. 
XXXX in XXXX at the XXXX WA store is the person who told me this. He said I can leave when I said I was not comfortable with that and that Transunion agreed that was not needed.

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 2024-12-21 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: TX

Complaint narrative:
Old addresses and employment are being inaccurately reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: WI

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Mobile phone and debit card were stolen on XX/XX/XXXX. Bank account and electronic payment services information ( XXXX XXXX, CashApp, XXXX, XXXX ) were compromised. Transactions totaling {$35000.00} were processed via CashApp for the dates and amounts listed below : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Cash AppXXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Cash AppXXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Cash App*XXXX XXXX XXXX  - {$5000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Cash AppXXXX XXXXXXXX XXXX  - {$5000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Cash AppXXXX XXXX XXXX  - {$5000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Cash AppXXXX XXXX XXXX XXXX  {$5000.00} XX/XX/XXXX - XXXX XXXX XXXX  Cash AppXXXX XXXX XXXX  - {$5000.00} Disputes were filed with CashApp, in addition to my primary financial institution, XXXX XXXX XXXX XXXX. Reports were also filed with the local authorities, FBI, and FTC. Legal reports were provided to the company for reference. However, no action was taken to rectify the situation and return the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This letter is in response to all letters, emails, phone calls, or any other mediums of communication where I've received notices from your organization. By the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from your organization regarding the debt you are attempting to collect. In response to this " Cease Communication '' letter, and by the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. By 15 U.S. Code 1692g, please send me a detailed list of the history of payments I've made on this account. I also want to witness the signature that I've signed on official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there have been any insurance claims found on this debt. And lastly, I will request proof that you have the chain of title to collect on this debt.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, violates the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also violate federal law.

If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent by certified mail with a return receipt and shall be presented to any court of proper jurisdiction if communication continues. 
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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : Formal Dispute Regarding Reporting of Late Payments and Permissible Purpose Dear [ XXXX XXXX XXXX ], I am writing to formally dispute certain entries on my credit report that indicate late payments. Specifically, I question whether the entity reporting these late payments had a permissible purpose under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1681 ( b ), to access and report this information.

Under FCRA 15 U.S.C. 1681 ( b ), a consumer reporting agency may furnish a consumer report only under specific circumstances that constitute a permissible purpose. These purposes include, but are not limited to, transactions initiated by the consumer, employment considerations, or other legitimate needs as defined by law. If the entity reporting these late payments accessed or shared my information outside these parameters, they may have violated federal law.

The late payments in question are associated with the following account ( s ) : Creditor Name : XXXX XXXX XXXX XXXX XXXX Date ( s ) of Late Payment ( s ) : XX/XX/XXXX - XXXX XXXX I request that you investigate this matter promptly. Please verify whether the reporting entity had a permissible purpose to access and furnish this information and provide me with documentation supporting their compliance with the FCRA. If the reporting can not be verified or is found to lack a permissible purpose, I demand that these entries be deleted from my credit report immediately.

Furthermore, I request that you notify me of the results of your investigation, as well as any changes made to my credit report, within the time frame prescribed by law.

For your reference, I have attached a copy of my credit report highlighting the disputed entries, along with copies of relevant supporting documentation, including proof of identity.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Formal Dispute Regarding Reporting of Late Payments and Permissible Purpose Dear [ XXXX XXXX XXXX ], I am writing to formally dispute certain entries on my credit report that indicate late payments. Specifically, I question whether the entity reporting these late payments had a permissible purpose under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1681 ( b ), to access and report this information.

Under FCRA 15 U.S.C. 1681 ( b ), a consumer reporting agency may furnish a consumer report only under specific circumstances that constitute a permissible purpose. These purposes include, but are not limited to, transactions initiated by the consumer, employment considerations, or other legitimate needs as defined by law. If the entity reporting these late payments accessed or shared my information outside these parameters, they may have violated federal law.

The late payments in question are associated with the following account ( s ) : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Date ( s ) of Late Payment ( s ) : XX/XX/XXXX - XXXX XXXX I request that you investigate this matter promptly. Please verify whether the reporting entity had a permissible purpose to access and furnish this information and provide me with documentation supporting their compliance with the FCRA. If the reporting can not be verified or is found to lack a permissible purpose, I demand that these entries be deleted from my credit report immediately.

Furthermore, I request that you notify me of the results of your investigation, as well as any changes made to my credit report, within the time frame prescribed by law.

For your reference, I have attached a copy of my credit report highlighting the disputed entries, along with copies of relevant supporting documentation, including proof of identity.

Thank you for your prompt attention to this matter. 

Sincerely, 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