vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a victim of trafficking, my personal information was misused without my consent. I request that these fraudulent accounts be investigated and removed from my credit report.I am requesting that you thoroughly investigate the above accounts and remove any fraudulent information from my credit report. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and appreciate your prompt attention to this matter. 
XXXX XXXX XXXXXXXX Balance {$130.00} XXXX XXXX Balance {$2500.00} XXXX  XXXX Balance {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$340.00}

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 2024-12-24 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: MS

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3000.00} INQUIRIES : 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 explanation
Consumer complaint received 2024-12-24 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: MS

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3000.00} INQUIRIES : 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
In 2020, I took out a Credit Builder loan with MoneyLion Inc . The loan terms were explained to me as follows : I would make regular payments toward the loan, and the funds would be held in reserve. Once I finished paying off the loan in full, the reserved funds would be returned to me. 

I completed the loan payments in full, including the final balance of {$140.00}, which had been sent to collections. However, I never received the {$370.00} that was held in reserve. MoneyLion has since informed me that, because the loan went into collections, they will not return the reserved funds. They have been unable to provide any documentation or receipts to justify why they are withholding the {$370.00}. 

I was explicitly told that I would receive the reserved funds after fulfilling my payment obligations, yet this has not happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MS

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3000.00} INQUIRIES : 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting on my Experian Report. 
To Whom It May Concern, I am writing to formally dispute the inaccuracies displayed on my Experian Credit Report. 
Upon reviewing my credit report, I identified multiple inaccuracies on my Personal Information being reported. 
This misrepresentation must be corrected immediately. THIS IS WILLFUL NONCOMPLIANCE. 
Legal Violations The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : - Defamation of Character - Neglect Enhancement of Identity Fraud - Violation of the Fair Credit Reporting Act. 
- Violation under 15 U.S.C 1681o Civil liability for negligent non- compliance - Violation under 15 U.S.C 1681n Civil liability for willful non- compliance - Failure to comply with 15 U.S.C 1692 ( g ) - Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports- Violation under 15 U.S.C 1681 ( i ) Method of Verification - Violation under 15 U.S.C 1681a Right to privacy - Violation under 15 U.S.C 1681c Requirements relating to information contained in consumer report.

Demand for Immediate Action I demanded that you are immediately : 1. Removal of duplicate Names and Address.

2. Update report with Correct Name and Address.

Failure to respond satisfactorily within 30 days will result in a small claims action against your agency.

I will be seeking damages for all violations, as each violation carries a statutory cost of {$1000.00} under 15 U.S.C 1692k.

I expect this letter to be taken seriously and demand that this fraudulent and defamatory account be corrected immediately. If the requested corrections are not made. I will escalate this matter through legal channels.

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 2024-12-24 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: TX

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really XXXX XXXX XXXX with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: MN

Complaint narrative:
My XXXX XXXX credit card is lost/stolen and has over {$600.00} of fraudulent and unauthorized transactions on my XXXX XXXX credit card accounts. The XXXX XXXX credit card account currently listed and showing on my Experian and XXXX credit report is lost/stolen and has over {$600.00} in fraudulent and unauthorized transactions on my XXXX XXXX credit card account. My XXXX XXXX XXXX credit card account number is : 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 2024-12-24 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: MN

Complaint narrative:
The following XXXX XXXX XXXX XXXX XXXX  XXXX account currently listed and showing on my Experian and XXXX credit report is lost/stolen : XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX credit card is lost/stolen. My lost/stolen XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number is : 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 2024-12-24 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} - Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} - XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXXXXXX XXXX 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 2024-12-24 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: TX

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really XXXX XXXX XXXX  with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2024-12-24 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-24 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grow Credit Inc
State: CA

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and noticed an entry marked as a charge-off. Based on my understanding, a charge-off represents a debt that has been discharged, and for which your agency has presumably taken a tax write-off. 

After consulting with the IRS, I was informed that reporting this charge-off under these circumstanceswhile attempting to collect on the debt or maintaining a charged-off statusmay be improper. The IRS indicated that such reporting could constitute tax fraud. 

Under my rights as a consumer, I am formally requesting that you immediately DELETE this inaccurate information from my credit report. Additionally, I am requesting that you provide me with a copy of the Form 1099-C associated with this charge-off, sent either to my mailing address listed above or via email. 

Your agency is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting credit information. By reporting information that is not 100 % accurate, you have failed to comply with this standard. Furthermore, should you continue reporting this inaccurate information after being notified, you would be in violation of 15 U.S.C. 1681s-2, as you now have reasonable cause to believe the information is inaccurate. Willfully continuing to report this information would constitute a clear violation of federal laws and would further harm my reputation and creditworthiness. 

The IRS has advised me to file Form 3949-A to report any potential illegal tax violations related to this matter. I trust that your agencys leadership, including your CEO or Executive Vice President, would prefer to avoid escalation to legal proceedings. 

Please address this issue promptly and confirm in writing that the inaccurate information has been removed from my credit report. Failure to do so will leave me no choice but to pursue further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
Data breach of XXXX XXXX and TransUnion my personal data was accessed in breach.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Data breach of XXXX Experian and XXXX my personal data was accessed in breach.

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 2024-12-24 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: FL

Complaint narrative:
I am writing to formally address the fraudulent account reported by XXXX. and demand its immediate removal from my credit report. My rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and UCC 3-501, causing erroneous damages. Despite disputing this account with the credit agency over 45 days ago, it remains on my report with no valid explanation. I have never signed any documents agreeing to your companys terms nor provided a wet ink signature. Your company is in violation for contacting me, harassing me with false documents, and continuing to report this fraudulent account. I demand that your company cease all activity on this account immediately and stop all reporting ( Cease and desist ). Failure to comply will result in legal action for these violations. 

THIS ACCOUNT IS IDENTITY THEFT I DID NOT AUTHORIZE THIS COMPANY TO USE MY SSN AND IDENTIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MN

Complaint narrative:
My XXXX XXXX credit card is lost/stolen and has over {$600.00} of fraudulent and unauthorized transactions on my XXXX XXXX credit card accounts. The XXXX XXXX credit card account currently listed and showing on my XXXX and Equifax credit report is lost/stolen and has over {$600.00} in fraudulent and unauthorized transactions on my XXXX XXXX credit card account. My XXXX XXXX XXXX credit card account number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FIRST PORTFOLIO SERVICING INC
State: MN

Complaint narrative:
My REVVI XXXX credit card is lost/stolen and has over {$600.00} of fraudulent and unauthorized transactions on my REVVI XXXX credit card accounts. The ReVVI XXXX credit card account currently listed and showing on my XXXX and XXXX credit report is lost/stolen and has over {$600.00} in fraudulent and unauthorized transactions on my ReVVI XXXX credit card account. My XXXX ReVVI XXXX credit card account number is : XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation