vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.

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 2023-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: PA

Complaint narrative:
Hi there, I am writing to express serious concerns I have. I was going through my email as I normally do each night and I noticed I received several emails from XXXX XXXX and XXXX stating I had a derogatory remark. I immediately went to verify if this was true and it looks like my credit score has dropped terribly. I am in the process of gathering information because I do not even know what credit was due nor was I ever notified. If I had simply been notified this would have been paid and prevented a time ago. At this point I have no idea who the creditor was or what was owed. I am extremely concerned and pretty upset. About a year ago I moved addresses and updated my drivers license so I would have expected any important mail to be sent to my current address. I have received nothing. Nothing stating any form of debt was owed. It is currently Friday at XXXX and I have not had any chance to call the collection agency and gather information. I am extremely sad from hearing this news. Please let me know what can be done and if there is anything I can possibly do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: NY

Complaint narrative:
Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA and the gramm leach Bliley act! I did not consent or authorize for you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization id IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease and desist! Pursuant to 15 us 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transactions and or experiences to be updated in accordance with 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 2023-10-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA and the gramm leach Bliley act! I did not consent or authorize for you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization id IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease and desist! Pursuant to 15 us 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transactions and or experiences to be updated in accordance with my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LD Holdings Group, LLC
State: MN

Complaint narrative:
I have asked them so many times to direct communications to my attorneys. Today they just hung up when I said. Then they emailed that to talk to my attorney they needed my attorney 's social security number. I talked to the dept of commerce who said they can't require that to direct communication to my attorney under the FDCPA and to report it to the CFPB. I hope you guys actually do something with it because they are super aggressive and nothing I do or say helps. My attorneys have tried contacting them directly and they just say they won't talk to them, even when I'm on the phone to approve it. Please help me. They are going to drive me completely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am presenting this follow-up complaint to formally notify XXXX, XXXX, and TransUnion Credit Bureaus of my intention to update my credit reports within a 15-day timeframe. It is my earnest expectation that these three Credit Bureaus will expeditiously expunge the specified inquiries from my credit records. This communication serves as a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries outlined in this communication, as well as those in the aforementioned complaint, be expunged upon the completion of the 15-day credit report update period : XXXX : XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am presenting this follow-up complaint to formally notify XXXX, Equifax, and XXXX Credit Bureaus of my intention to update my credit reports within a 15-day timeframe. It is my earnest expectation that these three Credit Bureaus will expeditiously expunge the specified inquiries from my credit records. This communication serves as a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries outlined in this communication, as well as those in the aforementioned complaint, be expunged upon the completion of the 15-day credit report update period : XXXX XXXX XXXX XXXX EQUIFAX : 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 non-monetary relief
Consumer complaint received 2023-10-21 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: NRA Group, LLC
State: FL

Complaint narrative:
XX/XX/XXXX The company wrote me and told me they were removing the file off my credit report but that was a lie!!!! It has been over 60 days. I am seeking compensation for lying and intentional damages caused by the company and XXXX XXXX XXXX. 

Interim response : NRA Group is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client., Sincerely ; XXXX XXXX XXXX Compliance Agent, NRA Group LLC Company 's Response NRA Group is in receipt of the consumers complaint. In acknowledgement of the complaint and to maintain satisfaction. The above referenced accounts were closed in our office and returned to the creditor on XX/XX/. Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm. We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information. Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control. Should you have any questions regarding this matter, please feel free to contact our office. Sincerely ; XXXX XXXX, Compliance Agent, NRA Group LLC

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 2023-10-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/2023 I sent a letter to the XXXX house asking do they report bankruptcies to the credit bureaus and I got a letter stating. They do not report any bankruptcies to anybody : So if thats the case How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 15 USC1681 section 603 ( 3x ) states investigative consumer report means a consumer report or portion therefore which information on a consumers character general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor the consumer or from the consumer. They also violated my rights numerous times the credit bureaus violated my rights under 15 USC 1681. 
According to 15 U.S.C 1681 section 602 A States I have the rights to privacy. According to U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to : 15 USC 1681s-2 ( A ) - ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have identified an account transaction being reported on my credit report without my consent or authority. I never gave any written consent to the furnisher or the reporting company to utilize or share my nonpublic personal information. 

Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditor who furnished this information also failed to provide me with disclosures to opt out before disclosing any of my personal financial information to third parties. 

The company 's unauthorized actions have adversely affected my credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 : {$9000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00}.

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 2023-10-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 : {$9000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$610.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$6100.00}

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 2023-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
company said a third party account called netspend was created with my name. that brinks was a promotional debit card I received for being a customer of netspend. I asked for the account to be closed and a way to contact someone about verifying my identity was not taken and accounts are not being opened under my name.

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 2023-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
Hello, I am a XXXX XXXX here in the US. I worked as a XXXX. An XXXX XXXX from other country. 

I was having a hard time with finances this year because my salary is too low, my rentals and other expenses here in the US is too high that is why I tried applying a personal loan at opploans online, I was surprised that the interest is huge but I still applied for it, resulting to difficulty of budget. I send half of my salary to my family back home, because my XXXX children are XXXX and no one will take care of their finances except me. I started a {$500.00} loan and the interest is over 160 %, I refinanced it due to financial problems and I was approved for {$1500.00}. 

They take away electronically on my account the amount of {$130.00} twice a month, starting XX/XX/XXXX until now. I am really confused with the scheduled payment specially the month of XX/XX/XXXX, I saw that they schedule XXXX autopays on my card. The loan will end on XX/XX/XXXX. This is too much. I am having an XXXX because of this. 

Please advise me. I want to be free from their incredible interest.

Company response to consumer: Closed with explanation