vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2024-12-23 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: CT

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.

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 2024-12-23 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: GA

Complaint narrative:
Experian Credit Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX  XXXX XXXX, Texas XXXX RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency.

These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681 of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number Comments Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Remove all fraudulent inquiries listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Also, 15 USC Section 1681 ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Additionally, 15 USC Section 1692c ( c ) states that if a consumer notifies a debt collector that the consumer refuses to pay a ( fraudulent ) debt, the debt collector must cease all communication.

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with then directly. Thank you for your assistance in this matter. 

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 explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I paid my Bank of America Credit Card statement balance in full on the first due date following the deferred interest expiration ( Confirmation # XXXX & XXXX ). The statement document did not indicate that I would need to pay sooner or a greater amount than the balance shown ( {$17000.00} ). This was reinforced by a BoA customer service representative over the phone on XX/XX/year>, at approximately XXXX MST. The call was to my cell ( XXXX ) XXXX. The recording will show that I inquired about the specific amount and date of payment required to avoid interest penalties. A few days later a substantial interest charge appeared on my account and I called to inquire again. After waiting on hold for 28 minutes, I had to hang up and go back to work. I sent a message to Bank of America with all of the information above and received a generic, nonsensical reply from " XXXX XXXX '' stating that they needed more information and instructed me to call a different XXXX number. That number led to the same automated customer service line shown on the main website and they offered no assistance and showed no concern for my request. I called again on XX/XX/XXXX and spoke to a " XXXX in XXXX Florida '' who also was of no use and elevated the claim to a nameless, faceless corporate department. He also offered the fabricated excuse that because the payment was scheduled for a Sunday, it could not process for a day and that's why interest was charged. This is nonsense and firmly asserted that fact. Bank of America intentionally makes avoiding interest penalties as difficult as possible, and then makes dispute resolution nigh impossible with their shield of corporate anonymity.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
on XX/XX/XXXX I received notification fom XXXX that there is a negative report on my credit report. Upon review I noted Resurgent/LVNV Funding account from XXXX XXXX was opened and is on my credit report. The address on the account is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Tx XXXX was opened on XX/XX/XXXX for {$530.00}. I do not live in XXXX Tx or have I ever. I have lived at XXXX XXXX XXXX XXXX XXXX XXXX TX since XX/XX/XXXX. I have only had one electric company during my XXXX plus years XXXX XXXX. My credit was hacked and I had a another Electric company by XXXX XXXX in which an account was opened under my credit and I disputed it and had a police report filed in XXXX XXXX for an address in XXXX Texas. The dispute and that account was discharged as it was determined that was not my account and it was not me. If you review my credit history you will see that all my information and credit action has been in XXXX XXXX Texas since I moved here in XX/XX/XXXX. I have not lived any where else and I do not live or in XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
My credit score has been drastically impacted by a fraudulent account that has appeared on my report. This account was opened without my knowledge, creating an inaccurate picture of my financial history.

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 2024-12-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
Dear CFPB, I am writing to provide additional evidence and clarification regarding the discrepancies in NCB Management Services response to my complaint. 

Summary of Discrepancies NCB Management Services reported the " date opened '' for this account to credit bureaus as XX/XX/year>. However, the Assignment and Bill of Sale provided as part of their validation documentation raises significant concerns : 1. The Agreement Date for the sale of these accounts is listed as XX/XX/year>, in the Assignment and Bill of Sale. 
2. The sale file reference ( " XXXX_Debt Sale - NCB Group A '' ) suggests the accounts were included in a XX/XX/year>, sale file. 
XXXX. The document was signed and delivered on XX/XX/year>, but this date conflicts with the actual terms of the Agreement and the earlier reference to the sale file. 

Violations of the Fair Credit Reporting Act ( FCRA ) The inconsistencies between NCBs reported " date opened '' and the timeline described in the Assignment and Bill of Sale demonstrate that NCB is reporting inaccurate and misleading information in violation of the FCRA. 

Request for Deletion Given NCB 's inability to provide accurate and consistent documentation to substantiate their reporting, I request that the CFPB take immediate action to : 1. Require the deletion of this tradeline from my credit report.


2. Investigate NCBs compliance with the FCRA, particularly regarding their reporting practices and validation processes. Supporting Documentation I have attached the following documents for review : 1. A copy of the Assignment and Bill of Sale, which highlights the conflicting dates and references. 
2. A screenshot or excerpt of my credit report showing the " date opened '' reported as XX/XX/year>. 

This evidence clearly shows that NCB can not substantiate their claims of accurate reporting. I respectfully request that the CFPB hold NCB accountable and require the deletion of this tradeline. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
To : Transunion, XXXX, XXXX and XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX : NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Fl, XXXX Regards, XXXX XXXX ( FCRA ). CC : XXXX XXXX XXXX, XXXX, XXXX and Transunion Consumer Solutions. 

I am attaching my ID and proof of address to verify my identity.

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 2024-12-23 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:
Re : Data Breach Request for Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify your bureau that I am a victim of a data breach. As such, I request the immediate blocking and deletion of the following accounts and inquiries as permitted under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-23 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 2024-12-23 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

SincerelyXXXX 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 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
My blockchain.com account that has already been verified went unverified and I sent them. Id card my information again only to put me under review and have been unable to send out my coin or trade am literally unable to access my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-23 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:
Transunion Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. 

These items must be removed in order to show my true credit history. I make this request pursuant tol5 USC Section 1681 of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Comments Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Remove all fraudulent inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information.

Also, 15 USC Section 1681 ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Additionally, 15 USC Section 1692c ( c ) states that if a consumer notifies a debt collector that the consumer refuse : to pay a ( fraudulent ) debt, the debt collector must cease all communication. 

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with then directly. Thank you for your assistance 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 non-monetary relief
Consumer complaint received 2024-12-23 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: OK

Complaint narrative:
I found unauthorized credit inquiries on my report today, which left me confused. I routinely check my credit report, but this time, unexpected discrepancies were present. Despite refreshing my browser to rule out a glitch, the inquiries didnt go away. I need these documents reviewed immediately to eliminate this concern.

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