vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: NC

Complaint narrative:
I recently conducted an investigation of my credit report and am writing to verify that the negative accounts listed are not mine.

Under 15 U.S. Code 1681 ( a ) ( 4 ), I have a consumer right to privacy. By reporting fraudulent accounts that do not belong to me, you are infringing on my privacy. Congress has affirmed my right to determine what information I deem private.

I consider these negative accounts to be private and do not consent to their inclusion on my credit report. Additionally, under FDCPA 807, these negative accounts represent false and misleading reporting.

Per 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ), the law states : ( a ) " A consumer reporting agency may furnish a consumer report only under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. '' I have not provided written authorization for these accounts to be reported, as required by law.

Furthermore, under 15 U.S. Code 6802, I have the right to opt out of any sharing of my non-public information with a financial institution, its affiliates, or any non-affiliated third party unless I have received proper notice. I have not received such a notice.

Based on the above, I request that you immediately remove these negative accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NV

Complaint narrative:
The following items are not mine i never had any business with these creditors i request immediate permanent and all future blockings from all credit reporting agencies. 

This is the letter that was sent to all credit agencies as well as a validation i requested with a wet original signature they failed to provide. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 2. 1. Validation of the debt-that is, the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. XXXX. Please provide the original docurse and wet signature if you cant provide these items Delete

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 2025-01-11 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: NV

Complaint narrative:
The following items are not mine i never had any business with these creditors i request immediate permanent and all future blockings from all credit reporting agencies. 

This is the letter that was sent to all credit agencies as well as a validation i requested with a wet original signature they failed to provide. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 2. 1. Validation of the debt-that is, the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you cant provide these items Delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD AUTO FINANCE is in direct violation of fraudulent activities due to improper disclosure of my security interest, and false information of debt owed for a non existing loan. The bank told me that they gave me a loan for a vehicle that I purchased on XX/XX/2023, which XXXX XXXX XXXX XXXX entered me in indirectly through a forged Power Of Attorney. The bank has sent me unlawful bills extorting me to pay {$650.00} every month ( which I have paid in good faith ) with misinformed and misrepresentation of a retail contract installment rather than what it is which is a credit transaction. TD Auto Finance buys retail installment contracts and turn around and sell it as a asset backed security. TD Auto Finance took my NOTE and impersonated me and traded it. I was never told that I was involved in a investment contract. Retail Invalid security interest is what was enforced upon me. I was forced to put down {$2000.00} with professional extortion. The contract is unenforceable due to XXXX breach of contract. XXXX fraudulently included an assignee TD Bank, which is not entitled and has no valid interest in my property because they did not loan me money. Interest is entitled to me because I gave the payment. TD Auto Finance owes me all my interest and XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help 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 2025-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I saw XXXX XXXX bills on my credit, in which I was unaware of I immediately contacted XXXX to file a dispute however they havent helped I contacted XXXX however they kept asking me for an account number and other personal information in order to access the account. XXXX sent me a notification stating that my personal information was found on the dark web on XX/XX/year> and along with XXXX Ive had over XXXX credit inquiries of trying to open credit cards with different retail companies and also banks. I tried to rectify this issue however XXXX told me to call each company and ask them to send a letter to them stating it wasnt me, I e been getting the run around while my credit has been deeply affected

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 2025-01-11 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: FL

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 2025-01-11 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: AL

Complaint narrative:
Per 15 U.S. Code 1561c Requirements relating to information contained in consumer reports The FCRA mandates that only accurate, relevant and up to date information should be reported. Old and inaccurate personal information including incorrect names and inaccurate addresses can lead to confusion and misidentification, for this reason it should be REMOVED. 

The only Name that should be listed on my Consumer File should be : XXXX XXXX XXXX of Birth : XXXX Employer : XXXX Please Delete and Remove any other names, dates of birth, or employment listed on my consumer file. This is to ensure that only Accurate information is listed concerning my personal information on my consumer file.

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 2025-01-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Fraudulent Items on Credit Report Due to TransUnion Data Breach Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are fraudulent as a result of the recent TransUnion data breach. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Upon reviewing my credit report, I have identified several accounts and inquiries that I did not authorize. It is my understanding that the TransUnion breach exposed personal data, including mine, which may have led to the fraudulent activity appearing on my credit report. 



Details of Dispute : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts were neither opened by me nor do I recognize the associated transactions. I have already filed a fraud report with the appropriate authorities and am working with TransUnion and the other credit bureaus to address these fraudulent entries. 



Given the nature of this breach, I kindly request that the CFPB assist in investigating these fraudulent items and help ensure their removal from my credit report. BY LAW AND UNDER 15 USC 1681 RIGHT TO PRIVACY. 



Thank you for your attention to this urgent matter. Please feel free to contact me at via email at XXXX 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 non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Block, Inc.
State: OK

Complaint narrative:
My sister XXXX has literally messed up everything in my life I was in the hospital and thought that I could trust her once again after forgiving her from stealing my information while I was in the hospital she had my phone and used my cash app to send money from my bank account which I shout down and also she used my borrow amount which was XXXX I have reach out to cash app XXXX times all they saying is we cant tell u anything but we closed account due to things go against there policy that fine I wouldnt want account open that my sister used anyways I explain to them I victim of identity theft regardless of who did it was not authorize from me? I did not give any permission. I have sent Cash App proof. I will not be paying that bag because I did not borrow it. I am not here responsible for something that I did not borrow Cash app act like they can not understand what Im trying to say they keep emailing me and sending me notification of amounts of what I supposedly owe after sending documents stating what happen police report I was in the hospital I did not give her permission she has stolen pretty much my life I have to clean stuff up all because ppl wan na steal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
Previously, I attempted to contact the XXXX credit bureau agencies and company to fix this problem with no success. I asked them to produce proof of the investigation and was denied.

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 2025-01-11 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: CA

Complaint narrative:
Previously, I attempted to contact the XXXX credit bureau agencies and company to fix this problem with no success. I asked them to produce proof of the investigation and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Previously, I attempted to contact the XXXX credit bureau agencies and company to fix this problem with no success. I asked them to produce proof of the investigation and was denied.

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 2025-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
My account was locked when I tried to log in during a trip to XXXX. I've been on the phone with the customer support agent for hours over the months. They kept sending me back and forth. 

There were a few different verification processes, in XXXX instances, they said that verification succeeded and I should be able to access my account in XXXX hours, but I still couldn't. In a few other instances, they said verification failed and they had to immediately disconnect for security reasons. I believe I have all my info correct, but there is no way to confirm since I can't access the account. At this point, it feels like they are just deliberately not allowing me to access the account.

Company response to consumer: Closed with explanation