vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was notified a week or two ago through the credit bureaus through app that there was a collection on my credit of {$3400.00} through XXXX XXXX XXXX mobility. I never had an XXXX XXXX XXXX phone ever in my life. I contacted the company XXXX asset solutions that posted that to inform them that I didnt do that & that my identity was stolen. They disputed she told me account was opened XX/XX/year>. I then put in a police report afterwards at police station. They gave me a police report I also put fraud alerts on my credit reports I freezes them as well. I also contacted XXXX & XXXX & provided police report & other documents online. I havent heard anything back yet as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NJ

Complaint narrative:
Hello, I am writing this to dispute the following inquiries off of my Equifax report. This has caused me so much stress recently as I am getting denied from a XXXX XXXX and my score crashed. I have already contacted Equifax to freeze my file and dispute these. I also filed an FTC report for fraud. These are fraudulent inquiries and need to be immediately removed. I have attempted to contact these companies but I can't reach anybody! Please get these removed as soon as possible or I will seek legal action. Again, these were not made or authorized by me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-19 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: IL

Complaint narrative:
Yes between XX/XX/XXXX through XX/XX/XXXX Equifax reported a medical debt on my credit report from XX/XX/XXXX in the amount of {$420.00}. This information is not accurate I never seek medical attention from WI XXXX XXXX XXXX before. 
This information is not mine I believe this was a cause of identity theft last year around XX/XX/XXXX I lost my wallet ID & XXXX Bankcards I file a police report XX/XX/XXXX that my identity was stolen. I have a copy of the police report of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: WA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate those item 's for me to ensure accuracy Here is the item Im asking you to verify as accurate XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I was apart of identity theft. I now have a debt from a collection company I dont know anything about for {$550.00}. This has caused my credit score to drop enormously. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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:
The following inquiries are unauthorized : XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.

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 2024-05-19 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: TX

Complaint narrative:
The following inquiries are unauthorized : XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX FXXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TX

Complaint narrative:
The following inquiries are unauthorized : XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.

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 2024-05-19 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-19 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Mercari, Inc.
State: CA

Complaint narrative:
I sold a genuine XXXX purse through the Mercari platform. Unfortunately, while the item was in transit to the buyer, they unexpectedly cancelled the purchase. Subsequently, Mercari suspended my account, restricting my ability to contact the buyer or resolve the matter directly. Upon reaching out to Mercari for assistance, I was informed that my account had been suspended due to allegations that the XXXX  purse I sold was non-authentic. To my disbelief, Mercari proceeded to refund the buyer without my consent or proper investigation into the authenticity of the item. I vehemently refute these claims of inauthenticity and possess ample evidence to substantiate the genuine nature of the XXXX purse in question which I have already provided them with. Despite providing Mercari with proof of authenticity, they have failed to assist me in retrieving my confiscated property. It is deeply unjust that Mercari has acted unilaterally in favor of the buyer 's unfounded allegations, resulting in the confiscation of my legitimate property and financial loss. Furthermore, their refusal to engage in a fair and transparent resolution process is highly disappointing and unacceptable. As a consumer, I implore the Consumer Finance Department to intervene on my behalf and compel Mercari to rectify this unjust situation. I am requesting the immediate reinstatement of my account privileges, the return of my authentic XXXX purse, and appropriate compensation for the damages incurred as a result of Mercari 's wrongful actions. Thank you for your attention to this matter. I eagerly await your prompt assistance in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: SC

Complaint narrative:
On XX/XX/year>, I received my Transunion consumer report File # XXXX and it's still not addressing the violations. I DID NOT made a request for verifying or validating of any debt. My request is that Transunion still reporting my transactions & experiences with XXXX. I am requesting for 3rd time to have the transaction & experience remove according Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently came across an XXXX XXXX closed/charged off account that was disputed back in XX/XX/XXXX to company directly and the account was later removed from only my XXXX credit profile on XX/XX/XXXX, but it is still reporting on my XXXX XXXX as a open account which inaccurate and also on my Experian credit profile as a negative account, this is a violation of my consumer rights, this inaccuracy has been harming my credit worthiness and I would like this account removed from both my XXXX XXXX and Experian credit profile immediately because all 3 credit bureaus needs to reporting the same accurate information. 

Account Name : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: SC

Complaint narrative:
Transunion File # : XXXX, Transunion is still reporting my transactions & experience with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Transaction is in clear violation of 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: AZ

Complaint narrative:
Company Name : Credit Control LLC Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Product : Debt Collection Complaint Narrative : I am filing a complaint against Credit Control LLC for violating the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, Credit Control LLC has engaged in the following unfair debt collection practices : Failure to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), Credit Control LLC placed a collection account on my credit report without providing me with the required validation information. This information is necessary for me to verify the debt and dispute it if necessary.

Denial of Opportunity to Dispute : I have not been given a fair chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). By not providing validation information, Credit Control LLC has prevented me from exercising my legal rights.

False, Misleading, or Deceptive Means : The collection practices employed by Credit Control LLC violate my consumer rights by using false, misleading, misrepresentation, and deceptive means. This is a violation of the FDCPA. 
Furnishing False Information to Credit Reporting Agencies : Credit Control LLC has furnished an account to a consumer reporting agency without providing the required disclosures by law. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1692e ( 8 ). 

Desired Outcome : I request that the CFPB investigate these violations and take appropriate action against Credit Control LLC. This may include requiring them to : Remove the inaccurate collection account from my credit report.

Provide me with the proper validation information for the debt. 
Cease all communication regarding this debt until they comply with the FDCPA. 
Thank you for your time and attention to this matter. 
Sincerely, 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 2024-05-19 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: CA

Complaint narrative:
Soon checking the accuracy of my credit report I noticed XXXX XXXX Inquiry : XX/XX/year>, and XXXX XXXX Inquiry : XXXX. XXXX, 2024 are inquiries not by my doing I did not apply or authorize nobody to apply on my behalf!

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 2024-05-19 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: TX

Complaint narrative:
XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have an active fraud alert on my credit report that requires creditors to contact me before inquiring about credit applications and before issuing any credit products. I was not contacted by any of these companies on the dates listed about any credit application nor did I approve any credit inquiries or applications on these dates and do not recognize the inquiries listed.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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