vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
District Court for XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX I am filing CFPB complaint against Trans Union for fraudulent accounts that have appeared on my credit report. I have been stressing to Trans Union that these accounts are a result of Identity Theft stemming from XXXX XXXX XXXX. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. The erroneous, fraudulent accounts are : Fraudulent Account/ Transaction/ XXXX XXXX Account # XXXX Balance : {$4200.00} Fraudulent Account/ Transaction/ XXXX XXXX Account # XXXX Balance : {$320.00} The listed accounts are not mine, never been authorized by me, and are frivolous, I am being harassed, and I demand the fraudulent items listed to be removed, or I will hire an attorney and proceed with legal ramifications. Despite this, Trans Union continues to badger, bully me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately : Block and remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate I will seek legal actions, for violating my consumer rights.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit report has inaccurate and false information that I dont recognize on my credit report. These accounts below are hurting my ability to obtain credit. XXXX and XXXX removed these accounts below immediately upon my request. Transunion hasnt been helpful into investigating into my issues. Its been over 2 months. I would like for these accounts to be removed within 4 days. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
There Is A Closed Account Showing Late Payments Due the XXXX XXXX  ( not ) as " current '' There Violated My Rights To Privacy. It's illegal to be sued for failure to pay debt because your contract with the original creditor was a contract of adhesion. 
Contracts of adhesion are considered unconscionable. 
And they are not enforceable. 
UCC 2-302

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day threshold and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to properly delete all information which can not be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: American Credit Acceptance, LLC
State: MI

Complaint narrative:
There are Inquiries on my credit report that I did not authorize I made a report to Identity theft.gov. the inquires and dates are as followed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX American Credit Acceptance XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
There are Inquiries on my credit report that I did not authorize I made a report to Identity theft.gov. the inquires and dates are as followed : AllyFinancialXXXX Ally Financial-4/22/24 Ally Financial- XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was going through XXXX when I Applied for forbearance myself in XXXX  by myself through Bank of America my mortgage company at the time It never went through Was advised to go to HUD filled out paperwork again cause rep stated I cant use original paperwork I had. Fast forward just lost my mom so I was trying to get home equity loan however was advised I have two liens on my home for XXXX two months difference from HuD / Bank of America. Went to state representative office who verified and documented this was a duplicate. They gave me payoff notice for the correct amount which was for the lowered lien amount. I am trying to get someone who can correct all lien and systems who can remove the lien which is for the higher amount out of credit and lien systems so I can get home equity loan to help me pay off my debts. Tried calling Bank of America and they do not want to assist me since they sold my mortgage to XXXX XXXX. And XXXX XXXX  referred me back to Bank of America which is the pits. They sold my mortgage to XXXX XXXX  stating I have a forebearance and XXXX XXXX  was given the forebearance amount and now they are also trying to obtain a forebearance amount as well. This is a mess I need the lien to be removed and XXXX XXXX  to remove this forebearance from my account cause I am not paying this duplicate forebearance which is lien on my house that I have payout not for am willing to pay to get this off my account.

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 monetary relief
Consumer complaint received 2024-12-21 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: Global Lending Services LLC
State: MI

Complaint narrative:
There are Inquiries on my credit report that I did not authorize I made a report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Global Lending Service XXXX Global Lending Service- XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
In regard to PNC bank card ending XXXX checking account XXXX ATM deposit error I made an atm cash deposit. I need security footage to be reviewed at XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX l 'm missing {$3600.00} At XXXXXXXX XXXX XXXXXX/XX/year> I was credit PROVISIONAL CREDIT - DISPUTE PENDING on XX/XX/year> 45 days later XX/XX/XXXX XXXX the money was reversed My account is now negative and I had to make a new dispute Case number XXXX Old case number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 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: NE

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, a 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 the accounts : XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX ( TRANSFER_OR_SOLD ) ; XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX, ( TRANSFER_OR_SOLD ) ; XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX, Account Number XXXX XXXX, opened XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX. 

This also includes collections accounts by XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX, reported XX/XX/XXXX ; XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX ; reported XX/XX/XXXX ; XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX ; reported XX/XX/XXXX ; XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX, reported XX/XX/XXXX ; XXXX XXXX XXXX, Account Number XXXX XXXX, opened XX/XX/XXXX, reported XX/XX/XXXX ; These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: VA

Complaint narrative:
account # XXXX and # XXXX has been charged off with XXXX  XXXX XXXX, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer who can file a 1099 C as well. XXXX  XXXX XXXX filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud Furthermore Northstar Location Services LLC is trying to collect on an account that has been charged off and deemed as income by the IRS and is considered income and they are also committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX has been informing me that I have a mobile account with them and that there's a past due balance since XX/XX/year> in the amount of {$150.00}. I have called in and spoken to many representatives and they couldn't find the account either however it's linked to me somehow. They've now sold the account to a debt collector and it is quite irritating as they continue to hound me about this debt that isn't mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: IN

Complaint narrative:
I just recently looked at my report XXXX XXXX.I saw some hard inquiries that did not have permissible purpose.I also attached evidence. 
XXXX ) XXXX Date : XXXX XXXX ) XXXX XXXX Date : XXXX XXXX ) XXXX XXXX Date : XXXX XXXX ) XXXX XXXX XXXX  Date XXXX XXXXXXXX XXXX XXXX XXXX Date : XXXX Those has no permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1681B.

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 2024-12-22 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: VA

Complaint narrative:
I am filing this complaint because I am being harassed by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''

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 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
account # XXXX  has been charged off with XXXX XXXX, according to the IRS a charged off account are not considered debt it a profit loss for a creditor or financial institution and income for a consumer. and con file a 1099 C as well. XXXX XXXX filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud according to the IRS Radius Global Solutions LLC is also committing fraud by trying to collect a debt that is considered as 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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a formal dispute letter to TransUnion regarding fraudulent accounts that were opened in my name due to identity theft. I provided all necessary supporting documentation, including an FTC Identity Theft Report, proof of identity, and proof of address, requesting the removal of these unauthorized accounts and a copy of my updated credit report. Despite the legal requirement under the Fair Credit Reporting Act ( FCRA ) to respond within 30 days, TransUnion has failed to take any action or provide a response as of XX/XX/year>, making this my second attempt to resolve this issue. 

Additionally, TransUnion did not fulfill my request for a corrected copy of my credit report, which further violates my rights under the FCRA. This lack of transparency and failure to act has caused significant emotional and financial distress. 

The fraudulent accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already investigated and confirmed these accounts as fraudulent, promptly removing them from my credit reports. TransUnions continued inaction is concerning and unacceptable. 

I also wish to address a correction to my previously submitted FTC Identity Theft Report, which originally listed an incorrect address ( XXXX XXXX XXXX ) instead of my correct address ( XXXX XXXX XXXX ). The updated FTC report now accurately reflects my address and lists the fraudulent accounts. I have attached this updated report for your reference. 

Resolution Requested : 1. Immediate removal of the fraudulent accounts listed above.

2. Written confirmation that the accounts have been removed and my records corrected.

3. Provision of an updated and corrected copy of my credit report.

I have enclosed the following supporting documents for your convenience : A copy of my government-issued ID ( passport ) A copy of my Social Security card Proof of my current address The updated and corrected FTC Identity Theft Report TransUnions failure to respond within the required timeframe is a violation of federal law. If this issue is not resolved promptly, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o for noncompliance. 

I look forward to your immediate attention and resolution of this matter.

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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I filed a complaint back in XXXX regarding my loss of funds, not receiving my dividends from my stock, being charged fees I should not have and money becoming missing with no evidence of it in the transaction, no trace of where the money went just missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the fraudulent accounts and inquires from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681C-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my personal and sensitive data to unauthorized individuals. 

The fraudulent accounts are listed below. 
XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX The fraudulent inquires are listed below : 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 2024-12-22 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: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the fraudulent accounts and inquires from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681C-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my personal and sensitive data to unauthorized individuals. 

The fraudulent accounts are listed below. 
XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX The fraudulent inquires are listed below : 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 explanation