vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXXXXXX, Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
Hi Im XXXX XXXX I had made a account at Lexington law that i open at the beginning of 2024, and they didnt provide the credit report that they promised so about 6 Months or the middle of the year I tried Contacting them again to try to reach out. but still didnt get Any response so next step I tried to unsubscribe but unfortunately it wouldnt let me and was even double charged at times i send messages to contact someone to let them but didnt get correct answers to my questions and did not understand why was my credit report was not be Provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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 REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED T0 LEARN I HAVE BEEN A VICTIME OF THE IDENITY THEFT. I FOUND NUMEROUS FRAUDULENTA CLSED ACCOUNTS AND COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS BEEN HURTING ME SINCE I AM IN THE PROCCESS BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE ALL THIS CLOSED FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSIBLE. XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS NUMBER XXXX, BALANCE {$890.00}, XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNT NUMBER XXXX, BALANCE {$1800.00}. XXXX XXXX XXXX Original creditor : XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX, BALANCE {$2300.00}. ALSO I AM ATTACHING MY ID, SOCIAL SECURITY, UTILITY BILL AND IDENITY THEFT REPORT. 

THANK YOU IN ADVANCE.

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 2024-12-29 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 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. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
THE BANK CHASE IS A BANK that does not impose on it the need for customers to have a money retained more than 3 months THE BEST BANK THEY BANK THEY BANK THEY SELFERE IS ME PERJUDICATED IN ALL SENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Larry H. Miller Group of Companies
State: VA

Complaint narrative:
XX/XX/XXXX filed a dispute with affirm. And they sent a message back saying that it will remain. 

XX/XX/XXXX filed dispute with prestige. They didnt have my permission to post on credit. Violating my consumer right to privacy. And they had no permission to repost my information. 

Lastly XXXX XXXX also had no permission to repost my information. Violating my comsumer right to privacy. I disputed This on XX/XX/XXXX 13

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
XX/XX/XXXX filed a dispute with affirm. And they sent a message back saying that it will remain. 

XX/XX/XXXX filed dispute with prestige. They didnt have my permission to post on credit. Violating my consumer right to privacy. And they had no permission to repost my information. 

Lastly XXXX XXXX also had no permission to repost my information. Violating my comsumer right to privacy. I disputed This on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  : # XXXX, XXXX ( original creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX : XXXX XXXX, has violated my rights I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-29 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:
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. 

XXXX XXXX XXXX XXXXXXXX

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 2024-12-29 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: GA

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. 

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 2024-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have tried to use the card XXXX. The first time at XXXX on XX/XX/year>, it was declined. The second time at XXXX was on XX/XX/year>, and it was declined there also. I checked the balance and the money is still loaded on the card, minus {$0.00}. the original balance was {$30.00}, now it's {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
I been trying to use my account since September I can receive money thats all I cant withdraw or nothing else I have lost my car because I couldnt get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: IN

Complaint narrative:
The Fair credit reporting act has not been upheld by Experian, XXXX and XXXX. There are multiple inaccuracies, unverified and unfair information being reported on my consumer disclosure report. 

Experian Credit cards and Credit lines XXXX XXXX XXXX -was not my account XXXX XXXX XXXX  XXXX -was not my Account *fraud XXXX  XXXX XXXX -was not my account XXXX XXXX XXXX XXXX -was not my account XXXX XXXXXXXX XXXX XXXX XXXX -was not my account * Fraud Public Records- Bankruptcy Case records that are unverified and not validated by the court. 
XXXX Bankruptcy XXXX XXXX Ky XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX. XXXX Us bankruptcy court XXXX XXXX XXXX Inquiries There are 10 unverified and fraudulent inquiries on my report that I did not authorize to be reported bad did not initiate. 

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 explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED T0 LEARN I HAVE BEEN A VICTIM OF THE IDENITY THEFT. I FOUND NUMEROUS FRAUDULENT CLOSED ACCOUNTS AND COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS BEEN HURTING ME SINCE I AM IN THE PROCCESS BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE ALL THIS CLOSED FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS XXXX. XXXX  XXXX XXXX XX/XX/XXXX ACCOUNTS NUMBER XXXX, BALANCE {$890.00}, XXXX  XXXX XXXX XXXX XXXX, XXXX ACCOUNT NUMBER XXXX, BALANCE {$1800.00}. XXXX XXXX LL Original creditor : XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX, BALANCE {$2300.00}. ALSO I AM ATTACHING MY ID, SOCIAL SECURITY, UTILITY BILL AND IDENITY THEFT REPORT. THANK YOU IN ADVANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Co LLC
State: TX

Complaint narrative:
Debt Co LLC claims that an account was placed in their office by XXXX XXXX XXXX XXXX XXXXXXXX XXXX for an unpaid energy bill ( {$120.00} ) in XXXX of XXXX. Knowing full well that they bought the debt for pennies on the dollar with the intent to bully me into paying them {$120.00}. Then on XX/XX/year> they damaged my credit by opening an account in my name and reporting that I owe them ( {$120.00} ) They are intentionally updating the status of the account as a collection monthly. I will not acknowledge any collection agency nor be intimidated by its bullying tactics. I will only deal with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Kriya Capital, LLC
State: MS

Complaint narrative:
I have never had a good and fair score because of doctors bills that I don't even no about is on my credit I've never gave these agencies the concent of my signature or my depth when I had insurance I steady get spam calls all day long had to change my number over it they even hacked my other accounts besides all that I can't even get my kids a nice house because of my horrible credit I like a change and I believe I can be in titled to my credit to be fix or refund I never gave these agencies concent to take a debt that I have no idea why I'm being charged for it my life is gone ill never fix my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report, pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). As a result of this breach, these accounts are no longer valid, and I am requesting immediate action to mitigate the damage caused to my credit report. 
The following accounts have been compromised due to the breach, and I request that they be blocked and deleted : Accounts XXXX. XXXX XXXX of A Account Number : XXXX Date Opened : XXXX XXXX Amount : {$60.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Amount : {$2300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XXXX Amount : {$1400.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Date : XXXX XXXX. XXXX XXXX XXXXXXXX Date : XXXX XXXX. XXXX  XXXX  Date : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX  Date : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Date : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Date : 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 2024-12-29 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 writing to inform you that I am a victim of a recent data breach and request that the following inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized inquiries removed from my credit report. 
Inquiries for Blocking and Deletion : XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : 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
Consumer complaint received 2024-12-29 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:
Tuesday, XX/XX/year> All Three Credit Bureaus My Information ( my name ) XXXX XXXX XXXX ( my address ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( my telephone number ) ( XXXX ) XXXX XXXX ( my employment ) XXXXXXXX XXXX XXXX XXXXXXXX ( my E-mail ) XXXX all three credit bureaus please remove all of my personal information history because I'm trying to eliminate identity theft so please remove everything else use the info up above. 
I need for you to remove these creditors from my credit history these are fraudulently obtained accounts please remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX I'm not liable for this debt with I do not have a contract with the credit agencies filing this report this was fraudulently obtained by identity theft they did not provide me with the original contract as requested

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Additional I have also been a victim of XXXX XXXX  pursuant to FCRA 605C ( 15 U.S.C 1681c-2 ). Please remove the following accounts immediately as these accounts were the product of me being XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( There are two accounts ). XXXX XXXX XXXX, and XXXX XXXX XXXX these accounts are all reporting to XXXX. XXXX XXXX XXXX and XXXX  XXXX XXXX are reporting to Equifax. XXXX  XXXX XXXX XXXX ( Two of them ), XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Two of them ) XXXX XXXX XXXX are reporting to XXXX.

Company response to consumer: Closed with explanation