vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
15 U. S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in XXXX of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!! Under XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything to my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Noticed INQURIES on my credit report that I didnt authorize I have no accounts with these companies,

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 2024-12-29 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:
When reviewing my credit report, I identified fraudulent activity and accounts that do not belong to me. These accounts are negatively impacting my credit score and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX {$140.00} XXXX  XXXX {$500.00} XXXX XXXX  {$620.00} XXXX reporting negative car was traded total of 35 Hard Inquires dating back to XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: KS

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 XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information. ( A ) In generally, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USU 1681s-2 they are suppose to 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
Consumer complaint received 2024-12-29 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: KS

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 XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 

( A ) In generally, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USU 1681s-2 they are suppose to 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
Consumer complaint received 2024-12-29 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:
Dear Consumer reporting agencies I'm requesting a method of verification for the identity theft report I filed on XX/XX/2024 its been over 4 days and nothing has been resolved. According to Section 611 ( a ) ( 6 ), I understand that you are required to share how this information was verified by detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-29 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: GA

Complaint narrative:
I need XXXX to remove all the inquiries that are on my credit report. I have not made them and I do not recognize those inquiries that are on my credit and I want you to remove them please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need Experian to remove all the inquiries that are on my credit report. I have not made them and I do not recognize those inquiries that are on my credit and I want you to remove them please.

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 2024-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I filed a XXXX XXXX XXXX for XXXX University after the lender failed to provide me the application. I had to find out about the " secret '' form on XXXX. I filed a complaint on this website regarding the fact that these forms were not set to me. They finally send me the form as a result of the complaint. I send in my XXXX XXXX XXXX and was denied by AES. They said that the lender denied my application. When I asked for proof as to why the bank lender denied my application they told me its confidential. When I asked for the reason of denial to be sent to me on bank lender letter head telling them why I was rejected or if I was they refused. I called the bank that was the lender and they told me to call AES to get it. 

This is very sketchy and purely retaliation that I reported AES to CFPB in the first place. They refused to provide me with a letter from the bank that holds the loan as to why the loan can not be cancelled despite providing over XXXX pages of proof. XXXX! They told me I had to pay the loan, it was only dischargeable upon death.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: NY

Complaint narrative:
There are XXXX fraudulent loans from XXXX XXXX on credit file and TransUnion fails to block or delete such accounts. Now, I've filed Federal Trade Commission Identity Theft Report and police report and TransUnion still failed to acknowledge the problem. TransUnion failure has cost me and family financial losses. There should be better supervision among TransUnion structure to examine such catastrophic failures to helping identity theft victims, such as XXXX I've been beyond patience with all of the inability of TransUnion to simply respect my rights and inability to follow laws governing credit reporting. I have the right to request a block on the XXXX XXXX XXXX accounts, as they are deemed fraudulent accounts

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was reviewing my credit report at TransUnion as of XX/XX/XXXX and noticed that the account XXXX/ {$5000.00} does not list a account number, it does not include my name, or any information pertaining to payment status between XX/XX/XXXX XXXX, or info on amount of original balance, nor does it provide any information on when a last payment was made. because of the inconsistency of the information in this report its hard not to believe that this account was placed in my credit report solely to harm my credit profile. all these inaccuracies and missing information are illegal and in violation of the FRCA anf my rights there under 15 USC 1681b ( a ) ( 1 ) and 15 USC 1681b ( a ) ( 2 ) FDCPA

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 2024-12-29 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of credit cards and student loans XXXX XXXXXXXX XXXX XXXX$440.00}, XXXXXXXX XXXX XXXX {$2300.00}, XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$530.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$660.00}, XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX {$3300.00}, XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX of XXXX XXXX {$81.00} XXXX XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX {$1300.00}XXXX XXXX XXXX XXXXXXXX {$420.00}XXXX XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$2200.00}. Inquiries : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

The aforementioned accounts, collections and inquiries appearing on my consumer credit report that is being maintained by you was not opened, made or initiated by me and are a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of credit cards and student loans XXXX XXXX XXXX {$440.00}, XXXX XXXXXXXX XXXX {$2300.00}, XXXX XXXX {$600.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$530.00}, XXXX XXXX XXXX XXXX XXXX bank {$660.00}, XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXXXXXX {$3300.00}XXXX XXXX XXXX XXXX XXXX800.00} XXXX XXXX of XXXX XXXX {$81.00} XXXX XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXXXXXX {$420.00}, XXXX XXXX XXXX XXXX60.00} XXXX XXXXXXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$2200.00}. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

The aforementioned accounts, collections and inquiries appearing on my consumer credit report that is being maintained by you was not opened, made or initiated by me and are a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint 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 2024-12-29 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: NC

Complaint narrative:
I demand the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to Experian that the accounts listed below do not belong to me. These accounts stem from theft resulting from the XXXX Data Breach, a crime of which I am a victim. Experian received materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Account/ XXXX XXXX XXXX XXXX Account XXXX XXXX Balance : $ XXXX Opened : XX/XX/XXXX Fraudulent Account/ Transaction/ XXXX/ Account # XXXX Balance : $ XXXX : XX/XX/XXXX This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed Identity theft report for your reference. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect Experian to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX exposed my personal information including my physical address after telling them that i am in address confidential program through the state attorney general office of Texas for six years despite notifying XXXX of my protected address, they failed to comply This negligence led to my address being accessed resulting in two breaks in attempts fearing my safety my children and I were forced to relocated staying in shelters and short-term rentals while securing our housing in a gated community

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: MO

Complaint narrative:
The company stated that they verified a public record via XXXX XXXX XXXX XXXX AS REPORTED however that is not accurate and I provided verification that XXXX XXXX XXXXXXXX XXXX does not verify public records to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was just looking over my credit report and found some addresses and names that appear to be incorrect. 

my correct information about me must be : XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX new Jersey XX/XX/year> XXXX I need to delete the incorrect information, please.

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 2024-12-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I made a purchase with XXXX on XX/XX/year>. I paid the purchase through my XXXX XXXX card which was stored in my PayPal account. I, in error, disputed with both XXXX XXXX and Paypal. XXXX XXXX and PayPal both credited me the refund of XXXX ( please see attachments ). However, later, this error was discovered by XXXX XXXX or PayPal, thus they both debited the {$27.00} ( please see attachments ) which ended up me not getting the well deserved credit in the first place. Both XXXX XXXX and PayPal should not have debited this amount. XXXX XXXX XXXX or PayPal need to provide the refund again to me. 

I want to file a complaint against both XXXX XXXX and PayPal, but this complaint does not allow me to submit complaint against both, I also want to file complaint against PayPal : PayPals corporate headquarters is located at : Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone Number : XXXX

Company response to consumer: Closed with explanation