vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Opened Venmo account to potentially accept rent from tenants about a month ago. 

Venmo flagged the account for suspicious activity, before I even linked a bank account or card to it, let alone made/received a payment. 

Thought this was absurd, found an alternative service that is more geared toward landlords and accepting rent payments via ACH. 

Requested they close my account. They requested my photo ID. I find this request entirely unacceptable and a violation of my privacy. They have no need to require an ID to cancel an account that is frozen and unusable because of ... " lack of ID verification. '' I do not want this account to be left open and subject to fraud, misuse, or data breaches. 

They refuse to close my account ( that is inactive/has never been active ) without photo ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the mishandling of my repeated attempts to remove fraudulent items from my credit report. 

Despite submitting disputes on multiple occasions, this marks the fifth attempt to address the presence of fraudulent items on my credit report with your agency. Despite providing ample evidence and documentation to support my claims, these efforts have consistently been met with disregard, and the fraudulent accounts persist on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly resolve disputes brought to their attention. 

I demand that your agency immediately conducts a thorough investigation into the fraudulent items on my credit report and takes decisive action to remove them. Furthermore, I request that you provide me with written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I'm submitting this statement due to a serious issue of identity theft that has detrimentally affected my credit report. Following the necessary step of filing a report with the Federal Trade Commission, in compliance with legal requirements, I'm actively working towards resolving this issue. The Fair Credit Reporting Act ( FCRA ), Section 605B, mandates that credit reporting agencies must quickly remove any entries from a consumer 's credit report that are identified in an identity theft report. For reference, my report is numbered # XXXX. Attached, you will find documents that support the removal of these inaccurately reported items. Accounts opened fraudulently, without my consent, include : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account No : XXXX - Balance : {$6900.00} XXXX XXXX XXXX  Account No : XXXX - Balance : {$0.00} XXXX XXXX Account No : XXXX - Balance : {$590.00} XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX  XXXX Opened : XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), it is the responsibility of credit reporting agencies to ensure the removal of such disputed entries from the credit report within four business days following the complaint 's receipt.

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 2024-04-11 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: TX

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 and list of Inquiries. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: TX

Complaint narrative:
XXXX XXXX and XXXX contacted me over XXXX in XX/XX/2023. They were sending profitable stock information and asked me to buy. I didn't believe it initially but saw that some of the stocks they pitched were doing well judging from my novice stock knowledge. After some time, they pitched XXXX XXXX, a XXXX XXXX company stock. They said I had to invest a minimum of {$100000.00} to qualify for % XXXX return. I didn't have XXXX XXXXXXXX but did my best to raise XXXX XXXX. I went ahead and bought XXXX worth at their direction and XXXX promised me that the returns would be achieved in 3 weeks. I transferred the money to a stock trading app called XXXX, with their direction. Three weeks turned into months and I watched as the stock declined. I was advised by XXXX to be patient and that I would realise the returns soon. He also requested that I introduce it to my friends which I refused to do. 

The funds were transferred through the East-West bank XXXX Bank Details below bank name : East west bank bank routing number : XXXX bank country : United states address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : City of XXXX state : California zip code : XXXX Recipient account number : XXXX Message to recipient bank : XXXX, XXXX XXXX XXXX XXXX : united states recipient name : XXXX XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California zip code : XXXX message to recipient : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-11 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: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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/year>

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 2024-04-11 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
Kindly update my account and remove the inaccurate late payment.

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 2024-04-11 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: CA

Complaint narrative:
Companies Involved : TransUnion, 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  I have sent several disputes concerning these inquiries on my credit report ; these inquiries are fraudulent and I want them removed. I have made several attempts calling the fraud department at these bureaus and I have expressed that I have unauthorized inquiries on my credit report and that someone was using my Social Security number for personal gain. According to the fair credit reporting act, FCRA, legally, these unverified and unauthorized items must be removed.

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 2024-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This is in regards to my last two lease accounts with Ally. I was a finance manager at a car dealership so I am very in tune with the leasing process including clear communication and confirmations. Everyone of course likes and appreciates that on both ends. 

At the end of the first lease I called Ally to confirm the intended turn-in date and location. It was " noted '' by the representative, and also that I would be leasing my next vehicle with Ally again. I turned it in with no issues, and leased my next one right after. I was sent a bill for {$430.00} a short time later, and I of course called about it. I was told there was no record of me calling in prior to turn-in, and that I turned it on on the wrong date. I tried another couple times, hoping a different person would know different, with the same result. 
Acct # XXXX. 

I was now already into the second lease with them, so I made sure to communicate even MORE clearly once the lease end was nearing. I called a few months early even. I confirmed the lease end date, expected turn-in date, and location. I had just received a company car so I suggested to the Ally rep that I could even turn it in early. He laughed and said " You already paid for a full month on XX/XX/23, you XXXX as well ride the month out in case you XXXX need it! ". I of course agreed, and advised I would turn it in on XX/XX/23, just to be sure in case of an unexpected delay. 

I was then billed AGAIN, this time for {$1100.00}. Again I called, extremely frustrated, but prepared to get help to fix an obvious error. I was told that I had " agreed '' to turn it in on the XXXX, and that since I hadn't, I was penalized. I explained ad nauseum that I had done EXACTLY what I needed to do, to prevent this. They again had no record of any calls or notes regarding anything. And that I just need to pay. 
Acct # XXXX. 

I have exhausted all options of communication attempts with Ally that have fallen on deaf ears with the left hand not communicating to the right hand, frustratingly having only foreign call centers reading scripts, that have empathy but no decision making power. Also along with contradictions of actions that updated to the bureaus that does not sync with what I was advised during my phone conversations ( which should have been recorded ). 

The part that makes this even more of an anomaly is I paid ALL payments on time, never been late. Ever. 

I have a small, fast growing family and we are working so hard to finally get our first home. This is having a detrimental effect on my entire family and I desperately need help with 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have contacted this company in 3 occasions this year with the most recent XXXX XXXX2024 via usps. I sent in notarized documents letting this company know that my name is XXXX XXXX. This company purposely put my twin sisters name reporting to all credit bureaus. I sent my license in and notarized documents to prove my last name isnt XXXX. Yet this company from what I perceive insists on reporting inaccuracies.

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 2024-04-11 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: MS

Complaint narrative:
I have contacted this company in 3 occasions this year with the most recent XXXX XXXX,2024 via usps. I sent in notarized documents letting this company know that my name is XXXX XXXX. This company purposely put my XXXX  sisters name reporting to all credit bureaus. I sent my license in and notarized documents to prove my last name isnt XXXX. Yet this company from what I perceive insists on reporting inaccuracies.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TomoCredit Inc.
State: WI

Complaint narrative:
I started with company named TomoCredit, TomoBoost etc. under the impression that they would provide positive credit to the major credit agencies XXXX, XXXX and XXXX. Company states that by adding bills that you pay can be added as monthly credit and they will report your payments from 12 to 24 months depending on the level of service you select a consumer selects with company, but you will have to link your bank account ( s ) in order to raise the amount of bill payments from your bank accounts, then the company will report to credit agencies. I've been paying {$49.00} since XXXX XXXX and I requested to cancel services the beginning of XX/XX/XXXX after I made last payment. I sent a message to company through online customer support requesting why haven't company been reporting my {$10000.00} to the credit agencies and the response I received was that the credit agencies will add it or not its not up to them. I sent the message to Company back in XXXX XXXX and it took them 24hrs to reply. I've tried sending email messages, calling their customer support number XXXX with their online portal messages through company website through customer support and I've haven't received any replies in regards to my cancelling, only messages I'm getting now on my cell phone and email is that I need to pay or they will Report late payments to the credit agencies and I'm getting these messages everyday, along with Company is tying to charge every card that's link to my back accounts and I've sent email for them to STOP and cease all payments due to I requested for then to cancel my service. Company has not responded to my email. I did let Company know in my email that I will file compliant with XXXX and Federal Trade Commission and any other agencies that will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update 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 non-monetary relief
Consumer complaint received 2024-04-11 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: MS

Complaint narrative:
My name is being reported as someelses name on my credit bureau. I have sent information in proving who I am but this company is still reporting fictitious information to the credit bureau. Phh mortgage is supplying the bureau with inaccurate information which I deem as fraudulent when purposely and continuously report inaccuracies after I have proven my name is XXXX XXXX. I do not go by any other name. So stop reporting XXXX as my last name THAT IS NOT ME

Company response to consumer: Closed with non-monetary relief