vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: OH

Complaint narrative:
on XX/XX/XXXXXXXX  I pulled my credit report using my XXXX XXXX alert and noticed an inquiry had been made using TransUnion on XX/XX/XXXX by a company called XXXX. I do not recognize this company nor did I authorize anyone to run my credit. I was not even in the United States at the time of the inquiry. I was in XXXX visiting family for the holidays. I searched XXXX XXXX XXXX on the internet and called their number. XXXX. I requested to speak with their fraud department. They said they did not have a fraud department. I found this to be a red flag. I was not comfortable giving my SSN # to a stranger over the phone. They did run my name and verified there was not an account under my name or record of someone using my name. They advised me to call TransUnion. I called TransUnion on XX/XX/XXXX to file a dispute. I was advised that I needed to file a claim with the FTC or the Police Department. I would then need to submit that paper work with TransUnion with my case number via the mail. I also inquired as to why TransUnion is the only company that Fraudulent activity is occurring on. I have had a Fraud alert on my account since XXXX of XXXX  because I was a victim of identity theft. XXXX and XXXX have placed notifications on my Credit Report. However the fraud alert does not show on my printed report from TransUnion. If I logged in to TransUnion it shows I had an alert placed on my account in XXXX, it was due to expire in May but I edited and extended it on XX/XX/XXXXXXXX  for XX/XX/XXXX. When I asked the agent from XXXX why the fraud alert did not flag this inquiry they claim it's because I did the initial request through XXXX and not them. XXXX appeared to not have an issue. The initial Fraud Alert was placed because someone had tried to open accounts in my name through XXXX XXXX XXXX XXXX and TransUnion allowed that Inquiry to happen XX/XX/XXXX. These inquiries are negatively impacting my credit. Please advise on what paper work I need to file with TransUnion to continue my Dispute. I'd also like a direct answer on if disputing this inquiry will again negatively impact my credit score. TransUnion Representative just continued to read a pre-scripted response when I asked this question.

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 2024-01-04 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: GA

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts Due to Identity Theft Under 15 USC 1681c-2 ( a ) Dear Equifax Team , I am reaching out to urgently address a critical matter on my consumer credit report. Upon reviewing my credit report, I identified several unauthorized accounts that I believe are a result of identity theft. These accounts are : 1. 
XXXX XXXX XXXX XXXXXXXX - No account number reported, opened XXXX, with a balance of {$86.00}. 
2. 
XXXXDEPT OF ED - Account ending in XXXX, opened on XX/XX/XXXX, with abalance of {$220000.00}. 
3. 
XXXX XXXX XXXX - Account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
They are trying to collect a debt that is so far beyond the statute of limitations its laughable. Please advise You have an account with LVNV Funding LLC. The original creditor was XXXX ( South Dakota ), XXXX. with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. 
As of XX/XX/2006 you owed {$1500.00} Between XX/XX/2006 and today You were charged this amount of interest + {$340.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
Identity information was sold and bought illegally because I was a victim of the Equifax data breach I want these items removed off my credit report immediately I am attaching proof that Equifax admits that I was in fact a victim of this data breach and Equifax has done nothing please help me delete these negative items off my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV Funding, LLC, filed suit against me twice, claiming to have acquired the debt but offered no proof of it. The original contract was not attached in either case. The chain of custody of the debt was not established in either case. I have attached the answers we filed plus an additional pleading evidencing their bad faith in their filings in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cash Link USA, LLC
State: TX

Complaint narrative:
Contacted me on XX/XX/2024 stated that the court office contacted them about a matter and stated that I intentionally defaulted on a loan and there was a red flag in his office stated I was irresponsible because I didnt pay the loan company back got very hostile over the phone wouldnt even tell me the company he was calling from stated he was calling on behalf of his client and I needed to pay or set up an arrangement. I ask if he can provide documentation and he wouldnt even give me that stated I needed to be more responsible was very rude and treated with such disrespect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-01-04 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:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-04 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:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-04 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: OH

Complaint narrative:
I recently reviewed the copy of my credit reports and I noticed some inaccurate personal information that are not mine.

I have listed the inaccurate in XXXX  and sent it to the Bureaus. Please see the attached file on this complaint

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 2024-01-04 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: OH

Complaint narrative:
I recently reviewed the copy of my credit reports and I noticed some inaccurate personal information that are not mine. 

I have listed the inaccurate in XXXX  and sent it to the Bureaus. Please see the attached file on this complaint

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 2024-01-04 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: IL

Complaint narrative:
On XX/XX/XXXX, i provided all the letters i received from all creditors and provided to all three credit bureaus and as of XX/XX/XXXX, the accounts are not reporting accurate, and the others are not removed per the creditors requestXXXX Mortgage is current and never paid late and the credit reporting agency is reporting several late payments.

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 2024-01-04 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: GA

Complaint narrative:
Subject : Immediate Action Required : Block and Remove Unauthorized Account Due to Identity Theft as Mandated by 15 USC 1681c-2 ( a ) Dear Experian Team, I am reaching out with an urgent matter regarding an anomaly in my credit report. After reviewing my latest credit report, I noticed an account that I do not recognize : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX  - Reported Balance : {$86.00} This account is unfamiliar to me, and I assure you, I have neither opened nor authorized its creation.

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 2024-01-04 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:
I am a victim of identity theft from Equifax XXXX  breach. 

Since then I have placed a lock on my credit report and also froze my credit with all XXXX  Bureaus. XXXX  has also placed a statement on my credit report. Nevertheless I am still having accounts opened on my credit report that is not mine. 

The latest one is from XXXX XXXX XXXX XXXX XXXX XXXX   was opened and transferred to a debt collections agency. {$790.00}. XXXX XXXX XXXX ( I have never lived nor live there ). This has caused emotional distress, and also I am unable to move to another home until this removed from my Credit. 

Please help, this continues to happen and I dont know what to do anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I own a credit line with XXXX XXXX, and Comenity Capital Bank is the bank institution serving that account. I purchased an item back on XX/XX/XXXX which I ended up cancelling and my money should have been reversed back to my account, but the bank is pretting to hold my money for about 60 days. This is limiting my ability to spend on that account. I reached out to the bank and ask for my account agreement and they did not issue it stating that they do not have an agreement to issue. 

The attached picture is showing how much the bank has to reverse in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
I am disputing these debts because these were corporate accounts/corporate leases/corporate debt that I never agreed to be personally liable for. These corporate leases and corporate debts were in the name of a corporation called XXXX XXXX, XXXX. I was a XXXXXXXX XXXX XXXX XXXX XXXX XXXX so I signed the leases on their behalf but I never agreed to be personally responsible nor personally liable for the accounts and debt of XXXX XXXX, XXXX. These are corporate debts only. Enclosed are copies of the lease agreement for these accounts between XXXX XXXX and XXXX. Hunter Warfield is a 3rd party collection agency, who wrongfully placed this debt on my personal credit.

Hunter Warfield gave me these leases and account statements for XXXX XXXX, XXXX. These documents that Hunter Warfield provided clearly show these debts are corporate debts for XXXX XXXX XXXX, NOT personal ones for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: GA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
Hello! 

My XXXX, sick, veteran grandfather was trying to spend his money as a gift to pay off my last student loan and this is how mohela mishandled his money. 
My dad called mohela in XXXX to get payoff balance, address to mail a check, and account number to write on the check to pay off my last student loan. They mailed a check in XXXX to Mohela for my loan # XXXX Mohela cashed this check on XX/XX/XXXX but never applied it to my loan. We called numerous times and spent hours on the phone. We have been told numerous stories. We were told by a supervisor that they would be applying to the correct account in 10 days. Didn't happen. Then we told they just needed our proof from the bank that showed mohela cashed it - we sent that documentation. We were told at one time that there was record on one of my accounts ( had a precious fed loan account that was forgiven due to PSLF ) that the check was sent to the wrong address but that in the record they could see mohela told them the wrong address when they called in XXXX. Apparently the check was sent to a location that only dealt with fed loans so could not apply the money to my FFEL loan. Since then mohela claims there is no record that my family was given the wrong address. We have now been told the documentation was submitted for refund on XX/XX/XXXX and we should get it within 90 days. I have filed numerous XXXX complaints to get to this point. It has been more than 90 days and we have no refund. I filled a complaint with federal student aid and they stated mohela told them I would get a refund 30-45 days after XX/XX/2023. Still we have no refund. I am continuing to have to pay interest and make monthly payments because mohela had mishandled our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I made a purchase from below link using my cashapp card in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After the purchase it said I would receive confirmation via email and never received I contacted XXXX XXXX goods customer service XX/XX/XXXX and was informed there was no order on record. Representative asked me to confirm the merchant name and I told her it was XXXX she informed me I was scammed I disputed the transaction through cashapp once the amount was no longer pending and was denied 3 days later. With no documents to support the denial as they stated the merchant show goods were received - documentation of delivery is impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see attached letter submitted to Equifax regarding online portal access that has been disabled. Equifax has continued to ask for my social security card and driver 's license. I have submitted this information, yet I spend months still trying to gain access to the portal to retrieve my reports. Once ninety days has lapsed, they request the information again stating it is outdated.

This needs to be resolved.

Company response to consumer: Closed with explanation