vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: PA

Complaint narrative:
Was doing a routine check of my credit score which I do regularly and steadily maintain around a 740 credit score with 100 % payments on time when I notice my score down to XXXX with an alert regard a new collection. Noticed a collection from sunrise credit services on XXXX for a collection of {$34000.00}. They are collecting for XXXX XXXX XXXX phone services. I have never had XXXX XXXX XXXX for a phone service ever in my lifetime. Sunrise credit services listed an address on there files for collection at XXXX XXXX XXXX XXXX OH. Which I have never lived or know of. An email address of XXXX which does not belong to me. XXXXXXXX XXXX  XXXX account was opened XX/XX/XXXX and went to collections XX/XX/XXXX for {$34000.00}. The only reason I have any knowledge is by checking my credit score. I have never been contacted by phone, mail, or email for any type of account regarding any type of overdue balance or any account at all involving XXXX XXXX XXXX. I called sunrise credit services today on XXXX for information regarding this fraudulent debt and they said they can not provide me with any documentation stating the origin of the debt, and instructed me to get a police report and watch my mail for a fraud packet. I spoke with XXXX XXXX  from sunrise credit services at XXXX XXXX for approximately 14 minutes on XXXX I do not understand how a company as reputable as XXXX XXXX XXXX could even allow someone to get {$34000.00} in debt, let alone with out ever making an actual identification of the person receiving there services or even a inquiry on 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 explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-01-19 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: AZ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDITREPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECCION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SWCTION 2 : IT ALSO STATES A CONSUMER PEPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: AZ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDITREPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECCION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SWCTION 2 : IT ALSO STATES A CONSUMER PEPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
I have been disputing information on my credit report for a few months and I have not gotten any response about my disputes about inaccuracies on my report. This is a violation of my federal rights and demand this gets resolve immediately.

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 2024-01-19 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: OH

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 2024-01-19 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: IN

Complaint narrative:
Dear Sir/Madam. 
I am writing to formally dispute inaccurate information that appears on my credit report, specifically regarding an account associated with XXXX XXXX XXXX XXXX. As per my rights under the FCRA. I am requesting your immediate attention to this matter and the necessary steps to rectify this situation. Upon reviewing my credit report, obtained from Equifax Credit Reporting Agency, I noticed an account listed under the name XXXX XXXX XXXX XXXX. However, I have no financial relationship or business dealings with with this company. I have repeatedly tried to call them and they refused to talk to me about said account. This discrepancy has raised serious concerns regarding the accuracy and legitimacy of the reported information. According to the FCRA Section 611 ( a ) ( 1 ) ( A ), Equifax are required to conduct a reasonable investigation into disputed information upon receipt of a consumer 's notification of dispute. I did not receive any documentation of method of verification of validity establishing my contractual obligation with XXXX XXXX XXXX XXXX, which is a violation of my consumer rights under the FCRA law. I also remind Equifax of their obligations under the FCRA law Section 611 ( a ) ( 5 ) ( A ), which states that information is found to be inaccurate or can not be verified, Equifax must promptly remove or delete the disputed item from any credit report. Therefore, if Equifax is unable to provide the requested accuracy of the reported information, can not be substantiated, Equifax Must remove or delete disputed account. I expect the immediate removal of the account from my credit report. I also request Equifax provide me an outline of the results of any actions taken. Failure to comply with these obligations my result in legal consequences, including potential liability for damages. I expect Equifax 's promptl attention to this matter into this disputed account. Failure to address this dispute appropriately will leave me no choice but to pursue all available remedies to protect my rights under the FCRA law. Thank you for your immediate attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19 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: VA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, the Credit Bureau has dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : 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 2024-01-19 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: TX

Complaint narrative:
On XXXX XXXX XXXXI found out my PayPal account had been permanently restricted keeping me from getting my XXXX  Funds and cash balance out of the account. I have not violated anything in the terms and agreement so at this point my funds are no longer theirs to hold. I have nothing in previous transaction that will explain a legal right for PayPal to hold these funds for any longer. I am having a financial crisis because of this action from PayPal. I will end up in the streets because these funds are being withheld from me. PayPal chose to close my account they no longer have the right to hold my funds. I called several times and on one occasion was lied to about no supervisor because they are all of equal authority. Yet I called again and was told they needed to speak with a supervisor. Remind you now these are recorded conversations. I was told the wallet was getting accessed from XXXX I don't know anyone in XXXX so this was another lie. I feel as fast as they restricted the account they can restore it long enough to get all my funds out immediately. I called on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 
The amounts of funds are {$1400.00} XXXX {$160.00} I know there is a way to give me access long enough to get these funds out since they closed my account of their own decision. I give you to XX/XX/ for this to be completed. 
To resolve this I will need immediate access to my funds. I look forward to PayPal reply ASAP.

I will expect my funds released immediately or I can get in touch with several other organizations that can get this resolved. I'll for sure let the Texas AG know about this. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I must emphasize that all disputed accounts are fraudulently reported, and there should be no discrepancy in the treatment of these entries. The selective deletion of certain accounts while others persist is not only arbitrary but also inconsistent with the principles outlined in the Fair Credit Reporting Act ( FCRA ). I am filing a complaint against the remaining disputed fraud accounts. As a victim of identity theft, I demand the immediate deletion of the remaining fraudulent accounts from my credit report. The continued presence of these entries is causing irreparable damage to my creditworthiness and overall financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not know how the theft took place, and I have no information about any suspects involved. I did not receive any money, goods, or services as a result of identity theft, and I demand that my credit report reflects this truth.

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 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I must emphasize that all disputed accounts are fraudulently reported, and there should be no discrepancy in the treatment of these entries. The selective deletion of certain accounts while others persist is not only arbitrary but also inconsistent with the principles outlined in the Fair Credit Reporting Act ( FCRA ). I am filing a complaint against the remaining disputed fraud accounts. As a victim of identity theft, I demand the immediate deletion of the remaining fraudulent accounts from my credit report. The continued presence of these entries is causing irreparable damage to my creditworthiness and overall financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not know how the theft took place, and I have no information about any suspects involved. I did not receive any money, goods, or services as a result of identity theft, and I demand that my credit report reflects this truth.

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 2024-01-19 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:
I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX  account number XXXX XXXX XXXX accounts XXXX and XXXX, XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX please delete these accounts immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: MS

Complaint narrative:
I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXXl account number XXXX XXXX XXXX accounts XXXX and XXXX, XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX please delete these accounts immediately

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 2024-01-19 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: CA

Complaint narrative:
I have been disputing information on my credit report for a few months and I have not gotten any response about my disputes about inaccuracies on my report. This is a violation of my federal rights and demand this gets resolve immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
On XX/XX/XXXX, I was given an option to pay off the extensive loan that I was trapped into. XXXX XXXX XXXX colluded with XXXX XXXX of XXXX XXXX, TX to defraud me into buying a car that was almost XXXX times the worth. I attached the Settlement offer that XXXX company I came into agreement so that I could be done with this fraud against me. I paid a total of {$1400.00} to end this fraud perpetrated against me due to me not having knowledge of buying a car. They took total advantage of me. I have included the total contract. They electronically signed my name and I was not aware of how much this car was until I received the contract in the mail XXXX weeks after having the car. I did not have a XXXX paper in the window of the car or nor was it produced to me. I was taken advantaged of and want the CPFB to look into this contract also. 
I am complaining that XXXX XXXX XXXX allowed this incorrect and inaccurated information to be projected on my credit report erroneously thereby causing me harm, financial hardship, and credit denial. I tried to get XXXX to accurately reflect that my account was correct, From XX/XX/year> to present reporting of this fradulent reporting, they are still reflecting a negative and erronous amount on my report. I am asking that the CFPB send this complaint to the appropriate entity that will help me with taking the next step so that I can be compensated for XXXX XXXX blatent false reporting of negative items on my report that caused me and my family harm. My credit score suffered due to this erronous reporting of inaccurate information that harmed me per failure due to a violation of the Fair Credit Reporting Act ( 15 U.S.C. state statute 1681 g ). 
I want XXXX to take all late payments off my credit report due to a Pandemic that kept me and other Americans from going to work due to Covid-19 Pandemic. I have always paid the exuberant fees that I was defraud of. I want a legal entitiy to levy penalties against XXXX for misrepresenting the facts on my personal credit reports and I want them to reimburse me the maximum amount of penalties and fees that could be levied against a company that repa consort false and inaccurate information on a consumers 's report. 
I want an investigation on why they kept reporting harmful, inaccurate, and misleading informaiton on my credit report. I want to know why they did not correct my report in XX/XX/year>. I have been harmed financially, personally, and mentally.

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 2024-01-19 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: TX

Complaint narrative:
On XX/XX/XXXX, I was given an option to pay off the extensive loan that I was trapped into. XXXX XXXX XXXX  colluded with XXXX XXXX of XXXX XXXX, TX to defraud me into buying a car that was almost XXXX times the worth. I attached the Settlement offer that XXXX company I came into agreement so that I could be done with this fraud against me. I paid a total of {$1400.00} to end this fraud perpetrated against me due to me not having knowledge of buying a car. They took total advantage of me. I have included the total contract. They electronically signed my name and I was not aware of how much this car was until I received the contract in the mail XXXX weeks after having the car. I did not have a XXXX paper in the window of the car or nor was it produced to me. I was taken advantaged of and want the CPFB to look into this contract also. 
I am complaining that XXXX XXXX XXXX allowed this incorrect and inaccurated information to be projected on my credit report erroneously thereby causing me harm, financial hardship, and credit denial. I tried to get XXXX to accurately reflect that my account was correct, From XX/XX/2023 to present reporting of this fradulent reporting, they are still reflecting a negative and erronous amount on my report. I am asking that the CFPB send this complaint to the appropriate entity that will help me with taking the next step so that I can be compensated for XXXX XXXX blatent false reporting of negative items on my report that caused me and my family harm. My credit score suffered due to this erronous reporting of inaccurate information that harmed me per failure due to a violation of the Fair Credit Reporting Act ( 15 U.S.C. state statute 1681 g ). 
I want XXXX to take all late payments off my credit report due to a Pandemic that kept me and other Americans from going to work due to Covid-19 Pandemic. I have always paid the exuberant fees that I was defraud of. I want a legal entitiy to levy penalties against XXXX for misrepresenting the facts on my personal credit reports and I want them to reimburse me the maximum amount of penalties and fees that could be levied against a company that repa consort false and inaccurate information on a consumers 's report. 
I want an investigation on why they kept reporting harmful, inaccurate, and misleading informaiton on my credit report. I want to know why they did not correct my report in XX/XX/2023. I have been harmed financially, personally, and mentally.

Company response to consumer: Closed with non-monetary relief