vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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 am writing to formally request the blocking and deletion of the following fraudulent account and associated inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my consent or knowledge. In accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the fraudulent information be removed from my credit file. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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 am writing to formally request the blocking and deletion of the following fraudulent account and associated inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my consent or knowledge. In accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the fraudulent information be removed from my credit file. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been compromised and used without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been compromised and used without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
My PayPal account is XXXX, and my PayPal case number is XXXX XXXX I purchased a product on XXXX. The item sent to me by the seller was damaged. The seller 's return policy allows returns. However, the customer service of PayPal handled the problem poorly and didn't give me any chance to return the item at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I made XXXX purchases of XXXX with Coinbase. After the XXXX purchase I was notified that there would be a XXXX day hold on my assets to prevent fraud. I called them and asked them specifically what is the fraud they suspected and they said they can not disclose that and it was for my protection. I had done some research and from what I found this was standard so I felt a little better and was willing to wait a week. I purchased {$4000.00} on XX/XX/XXXX, {$1000.00} and {$3000.00} on XX/XX/XXXX and {$20000.00} on XX/XX/XXXX. After I made the purchase on XX/XX/XXXX I received an email that stated they would be preventing me from sending my crypto for a period of 60 days. Again, they said this was because of suspected fraud and it was for my secutiry. I have done live chats with them twice and a phone call today on XXXX. I told them what they are doing doesn't make any sense. I asked what is the fraud you suspect and they said they could not disclose that. I said whatever it is it doesn't make sense because all coniditions will be the same after XXXX  days. Whatever fraud they suspect will still be the same after 60 days. They said I can sell my XXXX  and then deposit the funds into my bank but for some reason they will not let me send my XXXX  to my own cold wallet. I have two partial conversations I am uploading that i copied from the virtual chats before they were removed. On the phone conversation that I ened with today they told me they will not disclose what the issue is and I can not transffer my assets to my wallet until XX/XX/XXXX. They said a supervisor would tell you the same thing. I said I would like to speak to a supervisor to hear it from them and they responded that no one was available at that time. I have a significant investment being held captive in their exchange and it does not make me feel comfortable. I would like assistance to remove this restriction so that i can get my assets safely onto my wallet. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$10000.00}

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 2024-12-06 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:
I am writing to formally request the immediate blocking and deletion of fraudulent inquiries listed on my credit report. As a victim of a data breach, I did not authorize the inquiries detailed below. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these inquiries be investigated and removed from my credit file immediately. 
Fraudulent 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 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 2024-12-06 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: MN

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I havent checked my credit report in a while and realized that I had a lot of hard inquiries that I did not do, XXXX XXXX XXXX on XXXX XXXX XXXX was the hard inquiry I dont even know what it is 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 All of this hard inquiries were not made by me, Im thinking is when I lost my if and social was around the time this were made, and was just noticing these,

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 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally complain about Genesis Credit Managements continued collection activity on a fraudulent debt, despite their assurance in response to my previous CFPB complaint ( # XXXX ) that they would cease all collection efforts. 

The fraudulent account in question remains reflected on my credit report, even though I provided substantial evidence proving that I am not responsible for this debt. Genesiss failure to honor their commitment to cease collection activity is causing ongoing damage to my credit and financial well-being. 

This account, which stems from a property I have never lived at ( The XXXX at XXXX and XXXX ), is entirely illegitimate. I have repeatedly communicated with Genesis and provided documentation proving that this is a case of identity theft. However, they have not resolved the issue and continue to report the account to credit bureaus, violating both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The continued reporting of this fraudulent debt is a clear violation of : 1. FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibiting the reporting of information known to be false.

2. FDCPA, 15 U.S.C. 1692e ( 8 ) Prohibiting the collection or communication of false information regarding a debt.

Genesiss conduct is unacceptable and directly contradicts the resolution they agreed to in response to my prior CFPB complaint. I request that the CFPB take immediate action to enforce their compliance and ensure that this account is permanently removed from my credit report. 

Thank you for your assistance in this matter. Please let me know if you require any additional information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I need your help addressing the inaccurate account listed on my credit report. This matter has negatively impacted my reputation as a customer, and I am requesting your assistance in removing these incorrectly reported accounts.

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 2024-12-06 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: IL

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: MN

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.

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 2024-12-06 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: OR

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and I request that you immediately block and delete certain inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following inquiries were made without my knowledge or authorization and are the result of fraudulent activity : Fraudulent Inquiries : XXXX. XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year>

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 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-12-06 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 XXXX 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 explanation
Consumer complaint received 2024-12-06 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX XXXX : XX/XX/XXXX ( This Is Not A Duplicate ) To : LexisNexis XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX, LexisNexis, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 a personal credit cards and others : XXXX XXXXOpened in XXXX, Bank XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX Bank opened in XXXX, XXXX Bank XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX in XXXX, XXXX  XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

A copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. I have attached a copy of my Drivers License, a copy of my Social Security XXXX, a copy of Proof Of Residence and a copy of the FTC Report .... 

Please make sure neither company ( lie by stalling ) saying that they need proof of identity because I am sending proof of identity with this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE. Kindly expedite the removal of the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your review and reference.

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