vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: AZ

Complaint narrative:
I appreciate your assistance in removing a portion of my credit file related to fraudulent activities. However, there are still accounts that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2024-10-04 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: OH

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # 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 2024-10-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # 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 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  holder. XXXX XXXX sent me an email message that they enrolled me in PAZE. I did not request this. I contacted XXXX XXXX and they said that their automated system enrolled me in PAZE. XXXX XXXX provided my personal information to PAZE. In talking with the XXXX XXXX customer service representative for 35 minutes, he indicated that he did not know what personal information was sent to PAZE. Although XXXX XXXX enrolled me in PAZE, the XXXX XXXX  customer service representative said that he could not unenroll me in PAZE and that I would have to talk to PAZE. He said that XXXX XXXX 's automated systems automatically enrolled people in PAZE without their permission. I attempted to contact PAZE ; they only have a web site. In order to unenroll in PAZE, they requested personal information. I am not willing to provide my personal information to PAZE. There is no PAZE phone number, but there is a PAZE email address listed. I sent an email to that PAZE email address and received an automated message a second later saying to go to the PAZE web page. I have not heard from PAZE again. There is no way for me to contact PAZE to unenroll in PAZE. 
Please help me. This seems like a huge scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-10-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Original Creditor : XXXX  XXXX XXXX Balance Owed : {$110.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$99.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-10-04 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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX. XXXX XXXX  XXXX bal. {$1000.00} XXXX. XXXX XXXX. {$890.00} XXXX. XXXX XXXX XXXX Co XXXX. {$12000.00} XXXX. XXXX XXXX XXXX XXXX bal. {$14000.00} XXXX. XXXX bal. {$1200.00} XXXX. XXXX XXXX  bal. {$850.00} XXXX. XXXX XXXX bal. {$330.00} XXXX. XXXX XXXX bal. {$93.00} XXXX XXXX XXXX XXXX. {$220.00} XXXX XXXX XXXX XXXX. {$310.00}. Please delete the following inquiries : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 explanation
Consumer complaint received 2024-10-04 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: OK

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been incorrectly attributed to me without my knowledge or consent, causing me significant distress. I have become a victim of identity theft and have already reported the incident. It is essential to address this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent issue is greatly appreciated.

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 2024-10-04 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: NC

Complaint narrative:
I consistently pay on time, so its unclear why this company reports late payments. As per USC 1666b, errors should be corrected, and my account should show payments as on time.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I consistently pay on time, so its unclear why this company reports late payments. As per USC 1666b, errors should be corrected, and my account should show payments as on time.

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 2024-10-04 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: MD

Complaint narrative:
I run a company that sells hand held XXXX. We are a legit company, paypal initially asked us to submit documents and I submitted every single document request on top of being in call with support for multiple days asking if the documents I sent were to their satisfaction and if there's anything else for me to do. They agreed on call and after a few days I got a permanent limitation in my account for breaking user agreement. I then called paypal the lady on the phone was dismissive and rude saying nope there's nothing you can do and just read through the user agreement guidelines and see what you did wrong. We send the guidelines to our lawyer and went through what happened and they said it was unreasonable for paypal to do that to us. We have almost {$500000.00} held by them. We also talk and handle ALL customer disputes with our customer care team and more often than not send refunds for every customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Sunrise credit collection purchased account from XXXX XXXX XXXX after repeatedly being notified of identity theft. Police report was submitted after notifying creditor of fraud. I XXXX XXXX asked for original contract agreement along with submitting evidence of previous violation of FCRA rights to fair credit reporting. Original contract agreement shows social security ending in XXXX which doesnt not belong to myself. Somehow, XXXX XXXX XXXX and Sunrise has linked this account fraudulently.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-10-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute of Unauthorized Inquiries Dear TransUnion, I am writing to formally dispute unauthorized inquiries on my credit report. After reviewing my report, I found the following inquiries that I did not authorize : Unauthorized Inquiries : XXXX XXXX Bank  ) Date : XX/XX/XXXX XXXX ( Bank  ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

15 U.S. Code 1681c-2 : A consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft within 4 business days of receipt.

15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) : The inquiries are in violation of not reporting 100 % accurately.

Fair Credit Reporting Act : The inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 ( a ) : I have the right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish accounts without my written instructions.

I am requesting the original copy of the agreements and terms and conditions related to these inquiries. Failure to comply will forfeit your claims and require you to delete all the items listed above. You are required to block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. 

Please delete these inquiries unless you wish to be held accountable for {$1000.00} per inquiry. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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 2024-10-04 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX  XXXX Account Number : XXXX Balance : {$3600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$3400.00}

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 2024-10-04 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: NC

Complaint narrative:
I am urgently writing to inform you that I have been the victim of identity theft, leading to numerous fraudulent entries on my credit report. These accounts and inquiries were added without my consent, and I demand immediate action to rectify this situation. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and require the immediate removal of these unauthorized items. This is critical to restoring the accuracy of 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 2024-10-04 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: VA

Complaint narrative:
I have a issue that I have accounts reporting in accurate information and I requested to receive the same Documents used to verify how this information was verified because its inaccurate or I will like it deleted, This issue has caused big problems in my life and lost of jobs and my next option if I cant get resolved is legal action I need same verification that is used to verify accounts sent to me as well because information is inaccurate I will be uploading Documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 that the information is inaccurate.

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