vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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:
XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of accounts opened at Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have XXXXesulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as 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 proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of fraud and 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$4900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$4900.00}

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 2024-12-02 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I am writing to dispute a collection account reported under my name. I believe this debt is inaccurate, and I do not have any knowledge of the account or owe the amount stated. 

Account Details : Collection Agency : Transworld Systems Original Creditor : XXXX XXXX XXXX Account Number : [ Account Number ] Amount Owed : {$180.00} Placed in Collections : XX/XX/year> Last Verified Date : XX/XX/year> I have no recollection of an account with XXXX XXXX XXXX or any debt related to this account. The original balance is listed as {$0.00}, and no payments have been made on this account. Additionally, I have not received any prior communications regarding this debt. 

I request that you provide validation of this debt, including proof that it belongs to me and that Transworld Systems is authorized to collect it. If the debt can not be verified, I expect it to be immediately removed from my credit report and that all actions taken by Transworld Systems related to this account be reversed. 

If this is a case of fraud or identity theft, I ask that you investigate it further and remove any negative impact this has caused on my credit history. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible. 

Thank you. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Greetings I have NOT received the Documents from you, I REQUESTED ( PURCHASE AGREEMENT ) .You Failed to show PROOF OF Ownership. You Are STILL Reporting INACCURATE, Incorrect, Information on my Credit Report. 
I'm reporting you to the Attorney General, because you Purchased my PERSONAL INFORMATION, WITHOUT MY CONSENT.You are now in NON COMPLIANCE with the F.C.R.A Section 611 15 USC 1681 ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: AR

Complaint narrative:
I NOTICED SOME ACCOUNTS THAT NOT ADDRESSED TO ME, ,I DO NOT UNDERSTAND WHY THESE CREDIT BUREAUS ARE REPORTING THESE ACCOUNT ON MY CREDIT REPORT, THEY ARE NOT LISTED UNDER MY CURRENT ADDRESS, THIS IS INACCURATE INFORMATION THEY ARE REPORTING,, HOW ARE THESE ACCOUNT SHOWING ON MY CRDIT FILE AND THEY WERE NOT OPEN UNDER MY ADDRESS,, THEY ARE FRAUD ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: 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 non-monetary relief
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
XXXX CREDIT - XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX CREDIT XXXX BANK XX/XX/XXXX FIRST XXXX BANK XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX SYNCBAMAZON XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAINESWEINER XX/XX/XXXX XXXX XX/XX/XXXX PAGE BROTHERS ASSOCI XX/XX/XXXX CAINEWEINER COMPA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 2024-12-02 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: TX

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$32000.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXXXX/XX/2024

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 2024-12-02 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$32000.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
In XXXX, around the XXXX, a scam company hacked into my phone. MXXXX XXXX XXXX  was hacked. I went to call the number for the XXXX help service. The people said it was because of some crypto. They had me open my venmo, they were on my phone through an app. They gained access to all my personal information. Once I realized they were not XXXX it was about an hr or so later, I called all companies, including Venmo and Paypal, to let them know what happened. My bank account was closed. We had to open a new one. Venmo said they would empty my account of any funds. They would report it to the fraud company. Paypal said the same thing. I checked my venmo account, there was a XXXX negative balance. I did not make those charges. I have repeatedly been on the phone with Paypal. I just noticed Venmo today. I am not sure what else to do. I didn't make those charges or transfers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX BALANCED {$700.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX XXXXXXXX {$360.00} ( Original Creditor : XXXX XXXX XXXX BALANCED {$350.00} XXXX XXXX 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. I've attached a list of the hard inquiries in question as well as 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NE

Complaint narrative:
I spoke to a representative with my indigo credit bank about not making a payment on time, but within the 30 days grade period. I made the payment within the grace period and was still have a mark on my on time payments. I've tried to call them twice and they tell me there is no department to talk to about credit history. So I'm asking the CFPB to assist. The reference number I was given when talking to the rep about paying later and told was acceptable was XXXX indigo

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, IL XXXX I am writing to formally dispute incorrect personal information listed on my credit report. Below, I have detailed the inaccurate entries and provided the correct information for your immediate review and correction : XXXX. Name Incorrect Entries : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Year of Birth Correct Year : XXXX  XXXX. Address Incorrect Entries : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX. Employer Incorrect Entry : XXXX XXXX XXXX XXXX Correct Employer : [ No employer or update to the accurate one if applicable ] I request that these errors be investigated and corrected under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). Please ensure my credit report reflects the accurate information provided above. 
To assist with your investigation, I am including the following documents for verification : A copy of my government-issued ID ( e.g., drivers license ). 
A recent utility bill or official correspondence verifying my current address. 
Please confirm in writing once these corrections have been completed or if additional information is needed. I expect your response within the time frame outlined by the FCRA. 
Thank you for your attention to this matter. Please feel free to contact me at [ Your XXXX with any updates or requests. 
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
Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I am writing to request urgent corrections to my credit report, as it appears that my file has been mixed with someone elses. There are multiple accounts and personal details on my credit report that do not belong to me. Please review and update your records accordingly. 

XXXX. Incorrect Addresses Please delete all addresses that do not belong to me, as I do not have access to or receive mail at these locations. The following outdated addresses should be removed from my file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA 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 2024-12-02 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AR

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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