vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was made aware that an account was opened using my name in 2019 for XXXX XXXX XXXX. This account was opened using a NY address despite the fact that I was living in Arizona, and have the supporting documents to prove it. 

I don't understand why it is so difficult for them to see that a college student at the time could not possibly be paying for services in a state I did not reside. 

Having this inaccuracy on my file is getting in the way of my life, and so I am writing to you today in hopes that you will help me move forward with all of this. 

Regards, 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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. See the attached report for list of reported accounts. Please remove these violations from my credit profile.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. See the attached report for list of reported accounts. Please remove these violations from my credit profile.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently pulled a copy of my credit report that that your company publishes, and after reviewing it continue to find a number of items that are reported as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that Your company discloses to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to this complaint via mail, or email. Please upload all documentation to the CFPB portal. Your company routinely provides a status of verified for disputed accounts without providing any proof of verification. I have been requesting proof of the below accounts for over 2 years. Upon disputing the below accounts, information on the account is either changed by the furnisher without providing any documented proof, or your company simply responds with the account being verified. 1 specific example of such activity is XXXX XXXX XXXX I submitted a complaint to XXXX, and was told by XXXX the dispute was frivolous and would not be investigated, as the XXXX XXXX XXXX had verified the account. I only way that I was able to obtain a fair investigation of the account, was by submitting a complaint to the States Attorney Generals office : Which resulted in the removal of the account from my XXXX credit report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 10 days of receipt of this complaint then you must remove these accounts from my credit report. I have reached out the listed companies and was advised they were not able to provide any contractual information, endorsements, or payment history. However, your company is advertising such information on my report. This behavior is a violation of my federal rights. This will be my last attempt to amicably resolve these issues. Please provide verifying documents of endorsement and contractual obligation, and payment history for the below accounts. 

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 explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, 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:
My private information is being shared without my consent. I need my privacy protected at all costs! I have a right to privacy and my right is being violated at the moment. I need this to stop 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 2022-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I'm submitting this complaint in reference to Credit Collection Services knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization / proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
I have Identity XXXX I never open that account please petrify this information but I also I went back XXXX  on 2014 thank you very much for help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
There is a credit card debt in my collections when I recently ran it showing a " XXXX  '' credit card balance of {$880.00}. Back in XXXX I received threatening calls on my phone calling my job, spouse, and previous roommate 's saying If I don't pay they will collect my checks, when I first ask what debt this is about they said it was something back in XXXX which I was renting a back room, and many people had access to my mail. I recently on the date of XX/XX/XXXX to settle this debt with a 3rd party company Phone Number was XXXX info.halstedfinancial.com was the link, I will be attaching an email as well. I have been working on disputing this case which has been unsuccessful. Now by law I know debt collectors can not harass you, threaten you, call your place of business, and threaten to take your wages. I was verbally abused a couple years ago, and if the account was XXXX, I also know that they can not reopen a collection years later and have it stay on your credit report, it is even technically even past the 7 years as claimed. I find this unprofessional and wrong during hard times like this. This one debt that was not mine is haunting me and even preventing me from moving out of place of living which has caused me mental turmoil. I need help to dispute and remove this account, because my life should not be stopped due to people harassing 's me for something that was not opened under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I used my XXXX XXXX XXXX XXXX  to send money on Cash App XXXX transactions were denied by cash app, Ive tried calling Cash App and can only talk to someone via the App and they say they same thing, Cash app says they sent the money back to my card on XX/XX/XXXX, today is XX/XX/XXXX, I have contacted XXXX XXXX regarding this and was asked to send in screenshots of my conversations with Cash App, their response and the transactions and they also have not been helpful and XXXX XXXX only says call Cash App or the payments were completed, hung up on, refused a supervisor, and told me to get a pen and paper only to tell me to add up the transactions, the money has not been returned to my account, I now have {$110.00} late fees for rent and my phone has been shut off, it seems like a game and no one wants to tell me where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On Thursday XX/XX/XXXX, sometime around noon, I noticed a couple texts on my phone from my bank Huntington Bank, that there was attempted use of XXXX on my account, before I was able to respond I received a phone call from Huntington Bank, the man said he was from the fraud Dept and needed to verify it was me on the phone and asked for my username and he said he needed it to verify it was indeed me on the phone, then he said he had to text me a code and I would have to repeat it back, he texted me the code, I repeated it. He put me on hold, for a few minutes and then returned and said he had stopped the fraud, but had to close my account for me to log in for 24 hrs, and when asked if I could use my debit card he said yes, because that is my only way of purchasing anything. I thanked him for his help. I have an Autistic son I care for daily, and I left to go buy him some food and my debit card didn't work, so I called Huntington bank and said, I thought you gave me permission to use my debit card my son needs groceries and the woman said, we did not call you. And then I was informed the only money I have to my name at XXXX years old was taken out of my account by XXXX XXXX transactions {$500.00} plus dollars, including {$170.00} of my XXXX sons money, his account is linked with mine. I am also on XXXX and that is all I have and a debit card. Huntington closed my account, stopped my debit card, and told me I most likely will not see my money returned. I have no gas, no food and can't pick up my prescriptions, I have cried for three days, I am devastated. Huntington bank, within a matter of maybe ten minutes allowed a password change, an internet transferring put my sons money into my account, and XXXX XXXX transactions. I noticed much later that Huntington Bank did email me about password change and that someone asked for a code? I was with my son, not checking emails. They should have stopped this activity, I trusted them to protect me. Is there anything you can do, I also have many bills due, but no money no account no charge cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, Credit Collection Services mailed me my " first '' notice stating that they were attempting to collect a debt from me. I then received my second notice on XX/XX/2022. I was not provided the required 30 days to respond to this debt before Credit Collection Services reported me to the national credit bureaus. I sent notification by certified mail to Credit Collection Services stating that I needed validation of this debt on XX/XX/2022. Credit Collection Services received my notice on XX/XX/2022 but reported me to the national credit bureaus on XX/XX/2022.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: IL

Complaint narrative:
I, consumer, have received a notice from a debt collector. Grant and Weber says I need to dispute by XX/XX/2022. Do not assume that your information is correct. I will be mailing you documents to formally dispute this alleged debt.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Experian dropped my credit score by XXXX points on XX/XX/XXXX it was XXXX on XX/XX/XXXX now is a XXXX. I called about it on XX/XX/XXXX, I spent about 2 hours on the phone with XXXX who with help of other Co workers told me there was definitely a technical issue with my report. He reassured me that they would fix the technical issue on my report. They have not fixed it. They have no explanation as to why it dropped XXXX points. XXXX has my score XXXX, XXXX an XXXX. I worked very hard to get my credit up to these exceptional scores. Then Experian decides in a matter of 3 weeks to drop my score from exceptional to good. This is very detrimental to me as if I need anything they are messing up my exceptional credit history. I've called twice. They had me call Fico who tells me it's an algorithm pretty much. I don't see how it's legal to drop someone's score XXXX points in a couple of weeks for no reason messing up a very important piece of someone's identity. I went and placed fraud alerts and everything on all three credit bureaus because I didn't know what was going on along with freezing my credit. They need to fix this because this effects my life greatly.

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 2022-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
Please do not mark this as a duplicate complaint as NEW INFORMATION IS BEING PRESENTED to you. I requested validation from LJ ROSS and was sent forged documents. Please see the attached documents that show no indebtedness nor obligation between myself and LJ ROSS. It literally was two pieces of paper with medical codes, no signature showing an agreement between myself and LJ ROSS nor the " original creditor ''. I'm very worried now because I have no idea how they got access to my social security number to place this on my consumer reports. They never marked my account as " disputed '' although I've been disputing this alleged debt over three months now which is a violation of the fair credit reporting act. I am seeking to have this rectified once and for all because this is negatively impacting my name, reputation, and brand. Please investigate this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: OR

Complaint narrative:
Today I checked my credit report on XX/XX/2022 because I got a email Alert stating I have a new collection account via XXXX. I opened my XXXX account to find a fraudulent collection account being reported on my credit file which is totally not mine. I called the original creditor " XXXX XXXX XXXX XXXX '' And they stated they don't have my info within in their database. I quickly froze my XXXX account so no more fraudulent activity would take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On the date of XXXX, Citibank suddenly closed all my credit cards without any warning or notice. When I called, the agent refused to reopen the account or disclose any related information. This is very arrogant as a general credit card issuer.

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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX I sent a complaint to TransUnion, XXXX, XXXX about fraudulent activity on my credit report and I was never notified about the investigation. 
XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XXXX XXXX XX/XX/2021 Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry XX/XX/202XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX 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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX I sent a complaint to XXXX, Equifax, XXXX about fraudulent activity on my credit report and I was never notified about the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I sent a complaint to XXXX, XXXX, Experian about fraudulent activity on my credit report and I was never notified about the investigation. 
XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XXXX XXXX XX/XX/2021 Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry 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 2022-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize to consent to nor benefit from account. Block and Remove Pursuant 15 USC 1692G

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: GA

Complaint narrative:
I did not authorize to consent to nor benefit from account. Block and Remove Pursuant 15 USC 1692G

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