vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
Claim Title Correction of Mixed Information in My Credit Report - Second Complaint Related to Case XXXX Detailed Problem Description Since XX/XX/XXXX, when I received my XXXX ( ending in XXXX ), I have identified a mix-up in my credit report by TransUnion. My credit history is merged with that of another individual whose Social Security Number ends in XXXX. This error includes accounts, addresses, and employment information that are not mine. 

Despite filing a prior complaint with the CFPB ( case XXXX ), TransUnion only updated my address and completely disregarded the incorrect elements in my report. This oversight continues to harm my credit and prevents me from accessing financial products, as the other persons negative credit history affects mine. 

Previous Actions Taken Letters Sent to TransUnion : I submitted detailed communications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including : My correct information ( name, address, XXXX XXXX. 
Legitimate accounts ( only two : XXXX XXXX as an authorized user and XXXX XXXX ). 
Identification of incorrect elements in the report ( data from the individual with SSN XXXX ). 
TransUnions Response : In their response to my initial complaint ( XX/XX/XXXX ), they only updated my address and sent me a copy of my report, which still contained incorrect information. 

Additional Action : I contacted several entities listed in the report as information providers. They confirmed that corrections must be made directly with TransUnion. 

Impact on My Credit This error continues to damage my ability to apply for financial products due to the inclusion of debts, addresses, jobs, and accounts that do not belong to me.

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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: NE

Complaint narrative:
Cerulean has called me 5 times just today from what appears to be a spoofed phone number and they've called my husband 24 times in the past week. He filed a complaint earlier today regarding the obscene amount of calls he's gotten.

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 2025-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX I received yet another Mediation Request form. Knowing that XXXX XXXX has already done the worst job ever in a mediations by skipping my presence at the mediations session in the first place- then repeatedly lying about my involvement with all 10 of the accounts made in my name at Wells Fargo, I was also aware that I would yet again, not be offered another Mediation session even if I spent all night working on this form and sending it in - then praying and hoping for a change in the ways that Wells Fargo works. Reminder : I am a victim of identity theft on these accounts ( also a reminder : that Wells Fargo has and might - yet again - back out of the assertion of Identity Theft though the proof is undeniable ). Either way, it really doesn't seem to matter because there is no true path to follow to get your funds back. Wells Fargo has been doing this to me for years. Offering hope, promising answers then completely diminishing all hope with complete lies and I truly have proved that time and time again ... .in XXXX XXXX XXXX 

Thank you XXXX for allowing me to know on XXXX at XXXX XXXX that the mediations program will not be offering me another lousy mediation session. That I will not have the opportunity to NOT be present at your " mediation sessions '' to hear your employee, XXXX XXXX lie about the actions of your employees when handling my funds and identity at your bank. Thank you for also telling me that all of my mediation requests have likely been denied as automatically as they were sent out despite all of my time and efforts over the years.

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 2025-01-03 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt Collection Account Dear XXXX XXXX XXXX I am writing to formally dispute the validity of the debt that has been referred to your agency for collection. The account number in question is [ XXXX ], and I believe that this debt is inaccurate for the following reasons : I do not owe this debt, the amount is incorrect, I never signed a contract for this, etc.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the debt, including the following information : 1. The name of the original creditor 2. A copy of the original agreement or contract that created the debt 3. An itemized statement showing the amount owed and any fees or charges applied 4. Any other documentation that substantiates the debt Until this information is provided and the debt is verified, I respectfully request that all collection efforts be halted and that this account be marked as disputed on my credit report. 

Please respond in writing within 30 days as required by law. If you do not provide the necessary documentation or fail to resolve this matter, I will consider pursuing my rights through the appropriate legal channels. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I asked for all original documents so I could look them over. I was told thats not an option. I have a very unique way of signing my signature which can be provided y my passport which XXXX XXXX had for years. I cant seem to get these items of my report and the same goes for the IRS. I never took any Covid 19 relief because I worked through Covid without any disruption. I can also provide my clock in and outs through the period in question. It seems like all these errors happened through the same period in time, in which Im questioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MT

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
I have contacted this agency before about this problem and chime is still been a very severe problem You have not helped me at all in this I'm going to have to write to my congressman to resolve this agency I'm going to continue writing to you until I get reimbursed by chime They owe me {$570.00} for something that was unauthorized by me They have not solved this issue they've refused to talk to me and have closed my account I am going to continually go after them until I am reimbursed for my money. Also chime has a treasury check from from the treasury department for {$1200.00} and they refuse to send it back to the treasury department I called them and ask him about the check they have not found this check They don't know where this thing or know anything about this This is XX/XX/XXXX this check was supposedly deposited into a chime account and they still have not yet sent this check back to the treasure department So this check will not be getting to me because the Treasury department needs to send back before I can get this check and chime is doing this on purpose to harm me because they know that I'm coming after them. 
Chime is done everything possible to make my life miserable because they owe me {$570.00} from something that I did not authorize If it was authorized you ask them where was the delivery of this because I never got any delivery of anything from this amount I'm going to continually come after them and sue them for all the harm they've done to me I want that {$1200.00} sent back to the treasure department and I want to sue Chime and I will come after the consumer Financial Protection board right to my congressman that this agency should be dissolved because they don't do anything to help anything They have no power to do anything with the banks and have no power to help people that have a problem with banks This agency should be dissolved and I'm writing my congressman and I'm going to have my friends right to the Congressman to this office agency and I hope you people all end up out of jobs because you've done nothing to help me. I want action on this I'm fed up with a consumer Financial Protection board I am fed up with chime and I want to come after them and sue them for I hope for every XXXX XXXX that they have I want this {$1200.00} check delivered back to the Treasury department

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
There are clear inaccuracies on my credit report regarding certain accounts. This incorrect information is unfairly lowering my credit score and could hurt my chances of getting better terms on loans.

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Open credit card on XX/XX/year> via XXXX XXXX and Ally blocked my online access on XXXX XX/XX/XXXX with no reason. I called for answers and I was given none they said they would call me back I was never called back in 6 days and when I called back on that 6 day they refused to help me give me any customer service or any answers as to what was going on and told me to continue waiting for a call. I even spoke with a supervisor whose name was XXXX who could have cared less and was completely unprofessional and told me that there was no way he could help me and this is supposed to be a supervisor for Ally who offered nothing but unprofessionalism. Ally is a very shady company by not even willing to help a client and just giving them the runaround telling people to wait for calls that never happen.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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 am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these 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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This account has been paid off and should not be shown as a charge off, but as resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
I have been receiving illegal responses from Equifax in response to a series of disputes that i filed contesting illegal information in some of my credit report accounts between XX/XX/XXXX and XX/XX/year>. Equifax in their response has insisted that the accounts i disputed are accurate and that i should furnish documentation to support claims in my disputes all of which is totally untrue and in violation of section 623 of FCRA .Equifax has not demonstrated in responding to my disputes that they conducted a investigation by contacting the data furnishers and asking to inspect their physical files containing permissible, signed and, dated documents supporting the accuracy and completeness information reported in the disputed accounts. Under section 623 of the FCRA Equifax and the data furnishers has a duty to act after a consumer dispute is filed not the consumer. Furthermore Equifax has not provided me with a copy of any such evidentiary documents to which they relied on to support their illegal act of verifying the disputed account, a mandatory requirement under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. 
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contact is signed by two parties and I did not participate in any of it. This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by the Third Party Debt Collector. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY.

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. I attempted to contact the below creditor ( s ) listed below and received NO response to my request. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.

Here is the account name and number for reference and incorrect amount also : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I notice inaccurate information on my credit report. I disputed it XX/XX/year> and received no response. I have proof its inaccurate which you can see on page XXXX of XXXX account. 
Bankruptcy XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I notice inaccurate information on my credit report. I disputed it XX/XX/year> and received no response. I have proof its inaccurate which you can see on page 2 of XXXX account. 
Bankruptcy XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not expect my former employer to continually harass me by monitoring my credit and banking information, even after the termination of employment with this company. 
I have bills and other financial obligations that need to be paid. This negativity has to be stopped.

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