vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: CO

Complaint narrative:
This company is engaging in securities fraud by unlawfully using my identity to extort me, and they have falsely reported a charge-off on my account. Under IRS regulations, specifically 26 U.S. Code 61 ( a ) ( 12 ), a charge-off or cancellation of debt ( COD ) is considered taxable income. The IRS requires that any forgiven debt over {$600.00} be reported as income using Form 1099-C, " Cancellation of Debt, '' unless certain exemptions apply. By misreporting this charge-off as merely a negative credit item without acknowledging the income implications, the company is violating both IRS tax XXXX requirements and SEC regulations XXXX financial disclosures under Section 10 ( b ) of the Securities Exchange Act of 1934 and Rule 10b-5, which prohibits fraudulent financial misrepresentations. Given these violations, the charge-off must be deleted from my credit report, as it inaccurately reflects the financial transaction and misrepresents taxable income.

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 2024-10-18 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-10-18 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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-10-18 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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: CO

Complaint narrative:
I have never signed any contract or agreement with XXXX XXXX. Theyve illegally placed a $ XXXX debt on my credit report that has trashed my credit rating. I dont know who these people are and they dont know me either, as theyve stated repeatedly. They have also provided documentation to this effect. I keep disputing this with Experian and the dispute is immediately closed without any sort of investigation, proving that this is my debt. Open close, that fast. They do not contact the company to verify anything because there isnt anything to verify. I called over to Experian as well, and they simply said yeah its yours without checking into anything. I have contacted this XXXX XXXX  company and gave them my full name, address, phone number, ssn, etc. They then provided me with a document stating we are unable to identify an account for you. Thats because there is NO account in my name. Experian completely ignores this document when I give it to them. This is a mistake and its Experian who is absolutely refusing to remove it from my credit report, even after the bank tells them that the account does not exist. I believe they are doing this, because if they remove it, they will be admitting that they made a huge mistake that damaged my credit significantly. Admitting the mistake will make Experian liable and vulnerable to a lawsuit, so they just leave it on my credit report. The creditor sent me the document to remove themselves from the situation and remove their liability. I didnt realize that the dispute feature on their website was this much of a joke. They dont ever look into anything. I have the clearance letter from the alleged creditor that is supposed to remove these sorts of mistakes. Experian ignores it every time to protect themselves from a lawsuit. Which is inevitable at this point. I just dont have the money to hire an attorney yet and they are aware of that. Yesterday I searched for and spoke with attorneys about filing a lawsuit on a contingency basis.

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 2024-10-18 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: FIRST FINANCIAL BANKSHARES, INC.
State: TX

Complaint narrative:
I have mailed notices to First Financial Bank on both XX/XX/XXXX and XX/XX/XXXX, instructing this company to remove the individual transactions and change the account disposition. I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed this company reporting non credit transactions, nor was there any application to apply for credit. This company is in clear violation of the law. Under 15 USC 1681 ( 2 ) ( i ) and 15 USC 1681 ( b ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? No, I did not. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " '' consumer report '' does not include- ( A ) Subject to section 1681s3 of this title, any- report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; TRANSACTIONS ARE IN FACT NOT TO BE INCLUDED ON THE CONSUMER REPORT, PER CONSUMER LAW. I would like this reporting removed from my credit report along with the amount of that account to be removed. This was not an extension of credit at all and should not be used to determine credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I never applied for any XXXX XXXXXXXX XXXX credit card I see I have one closed account on my credit report with XXXX XXXX XXXX  this is a fraudulent account I want it to be removed from my credit report.

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 2024-10-18 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: NY

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
XXXX XXXX states that they have requested this be removed from my credit reports. It is no longer on my XXXX report but appears on my XXXX ( please see attachment ). When I dispute it with XXXX, it comes back verified and they will not remove it! I want to see proof where it shows removed on your end because you failed to attach it last time! This is my third time disputing this with XXXX and this will be my last time before I take further action!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: GA

Complaint narrative:
ersonal Statement dear Equifax this is a self-attestation that I am victim of XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: NY

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2024-10-18 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: NY

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$510.00} XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$6700.00}

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 explanation
Consumer complaint received 2024-10-18 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: GA

Complaint narrative:
Subject : Request for Removal of Incorrect Information on Credit Report Dear Experian Support Team, I am writing to formally request the removal of incorrect information on my credit report concerning the following account : **Account Name : ** XXXX XXXX XXXX Number XXXX ** XXXX **Address : ** XXXX XXXX XXXX, XXXX XXXX, SD XXXX **Phone Number XXXX XXXX ( XXXX ) XXXX The provided contact number, ( XXXX ) XXXX, is not in service, making it impossible for me to reach the company. Given this, I respectfully request that the inaccurate entry be removed from my credit report. 

I appreciate your prompt attention to this matter and am happy to provide any additional information if needed. Please do not hesitate to reach out.

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 2024-10-18 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit : XXXX XX/XX/2024 TransUnion XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 TransUnion

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 2024-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX and their representative XXXX XXXX have failed to provide proof that the debt is mine. They also failed to respond to my request of information to verify the debt. XXXX has repeatedly called my workplace even after I requested that he do not contact my workplace. He has also repeatedly, sometimes four times in one day, called my cell phone despite being instructed to not contact me until after the verification documents have been sent and received. On the phone, he has used abusive language and forceful demeanor attempting to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal sent me an email on XX/XX/scrub>XXXX XXXX XXXX  stating that my account had been permanently frozen. They cited a violation of their Acceptable Use Policy ( XXXX XXXX XXXX ) as the cause, but would not tell me what clause they claim I broke. After reviewing all of my transactions through them, none of them were breaking any of their terms. 

They are presently holding {$65.00} USD and XXXX XXXX in my account and refusing to let me access it. 

I attempted to find a number to call. Their site tries to force you to talk to an AI and not a human representative. I should note that PayPal does not appear outwardly to allow you to appeal their bans, I had to do independent research and read customer testimonies to find a way to attempt a dispute to this. 

The AI intentionally tries to mislead you by saying that their representatives will tell you the same thing it tells you ( that the account is closed and there's nothing I can do about it ), but if pressed multiple times and asked to talk to a representative, it will eventually claim that it has submitted a ticket by sending you a text. I received a text on XX/XX/XXXX saying " PayPal : We're working on connecting you with an agent who can assist you with your account. Thanks for your patience! '' I was not contacted again. 

The AI also provides an email to submit an appeal ( XXXX ), which, I submitted to on XX/XX/XXXX. I was not emailed back. 

I eventually found a customer support number to call ( which was made intentionally hard to find by the company 's website and help center layout ). After I called the number on it, I spoke to someone in a call center in XXXX who reviewed the account and told me they have no additional information other than what I could tell myself. I asked them to submit an appeal and they claimed to have done so, and that I would hear back in XXXX business days. I have no heard back from them, either. 

I want my money back. This is ridiculous that they are holding my funds without allowing me to withdraw them. 

I was further banned from the XXXX app on XX/XX/XXXX under similar circumstances. As XXXX owns XXXX, I am including this as part of the same report. XXXX also declined to tell me why my account was frozen, but given their ownership by XXXX I can only assume XXXX refusing me service is the reason why XXXX has, too. There are no funds presently in my XXXX account as I transfer what I make from their to my bank. 

I reached out to XXXX via email and asked for an appeal, and they declined me without explanation on XX/XX/XXXX. They have cited health and safety as the reason why, but refuse to elaborate. There are no transactions in my XXXX history that violate their policies, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2024-10-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation