vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: TX

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: CA

Complaint narrative:
I am writing to dispute the inaccurate addresses that continue to appear on my credit report. Despite submitting previous dispute letters addressing this issue, these erroneous addresses remain listed, and I am formally requesting that they be removed from my report immediately. These addresses do not belong to me and have no relevance to my credit history. I have previously provided all necessary documentation to prove my correct address and requested the removal of these incorrect entries. However, despite multiple requests, the incorrect addresses have not been removed, which is a violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these addresses could lead to confusion or potential inaccuracies that affect my creditworthiness. 
I once again urge your agency to review my credit file and ensure that only accurate and verified information is reflected on my report. It is your responsibility to maintain the integrity of the information provided to lenders and other third parties. Please correct this oversight by promptly deleting the incorrect addresses and ensuring they do not appear on any future credit reports. 

XXXX XXXX XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I am not liable for this debt of with diversified adjustment I do not have a contract they did not provide me with the original contract as I requested my wet signature and ID verification. 
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: NY

Complaint narrative:
Please DELETE the XXXX the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was sent a letter ( attached ) from my employer/XXXX, XXXX WAGE GARNISHMENT XXXX XXXX XXXX XXXX XXXX TX XXXX that they had received a WRIT OF GARNISHMENT FOR CASE I. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$5800.00}. The letter has my current mailing and physical address on it. THIS IS THE FIRST AND ONLY CONTACT I HAVE HAD ABOUT ANY DEBT I OWE, I HAVE NOT BEEN SERVED FROM ANY PROCESS SERVER OR COURT. I DO NOT OWE ANYONE, THERES NO SIGNATURE ON ANY TYPE OF APPLICATION OR DOCUMENTS. I DO NOT OWE ANY CREDITORS. I SEARCH COURT CASE INFORMATION IN XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX WHERE I RESIDE AND FIND A HEARING THAT BY DEFAULT I RECEIVED A JUDGMENT AGAINST MYSELF WHERE ATTORNEYS XXXXXXXX XXXX  XXXX ON BEHALF OF XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX XXXX XXXX HAVE FRAUDULENTLY SERVED ME WITH THE COURT CASE INFORMATION AND THRU THIS FRAUDULENT INFORMATION PLACED A JUDGEMENT ON ME. I DID NOT RECEIVE ANY INFORMATION TO DEFEND MYSELF ON THESE FRAUDULENT CHARGES. I DO NOT OWE ANYONE MONEY. I DID NOT HAVE AN ACCOUNT WITH FIA CARD SERVICES. AND MY CREDIT REPORTS DO NOT SHOW ANY OF THIS ON MY REPORTS. BECAUSE I DONT OWE FIA CARD SERVICES ANYTHING OR HAVE I EVER APPLIED FOR OR HAD AN ACCOUNT WITH THEM. THIS GARNISHMENT AND JUDGEMENT IS COMPLETELY FRAUDULENT AND FIA CARD SERVICES AND ATTORNEYS XXXX XXXX XXXXXXXX ARE collecting money from a garnishment from a default judgment against myself that I wasn't served on and could not defend myself due to not knowing of the court case against me. I went to the garnishment court hearing date that was published online in court records and the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX stated to me there was no case that was published online for the garnishment hearing. There was a lawyer from XXXXXXXX XXXX XXXXXXXX at court and I spoke with him but he could not anwser any questions and asked me to contact the law office by phone. I feel I should have representation to contact these lawyers after the business practices they have proceeded against me leading to my now predicament of being forced to pay what I do not owe.

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 2024-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against an individual named XXXX XXXX his ID card number : XXXX XXXX XXXX Partner XXXX XXXX XXXX who has committed fraud by pretending to be a wholesaler in XXXX XXXX but he did fraud by sending counterfeit products to my XXXX XXXX  and now my XXXX account has been suspended and my funds has been hold. 

I was approached by this person, who claimed to have legitimate products to sell on XXXX. Trusting his representation, I paid him {$500.00}. Unfortunately, upon receiving the items, When I attempted to sell these items on XXXX, I received a complaint from the legitimate brand owner, which forced me to halt sales. As a result, I am left with inventory sitting in the XXXX XXXX, which I can not sell. 
Despite numerous attempts to contact this individual, who is based in XXXX, he has refused to take back the counterfeit items or return my money. Furthermore, he has blocked me on XXXX, preventing any further communication. Now my XXXX XXXX  account has been suspended and my funds has been on hold. I requested them to send me invoice and brand letter but they did not respond so I believe they are selling counterfeit. 

I believe these two individual is running a scam operation together with his partner who is receiving money through his bank and selling fake products to multiple victims. I urge the Authority to investigate this matter and take appropriate action. I request that you help facilitate the return of my money or the removal of the counterfeit products from my inventory. 
Thank you for your attention to this serious matter. I look forward to your prompt response. I send money to XXXX XXXX XXXX Transferwise account number : XXXX Routing Number : XXXX his bank account email : XXXX XXXX  tracking ID : XXXX They send goods via XXXX to my XXXXXXXX XXXX XXXX You can trace their location from XXXX tracking. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: MN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: PA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccuracies in my credit report regarding my account with XXXX XXXX XXXX XXXX, referenced above. 

Account Details : Account Number : XXXX Date Opened : XX/XX/year> Account Type : Installment Account Loan Type : Secured Balance : {$0.00} Date Closed : XX/XX/year> Pay Status : Paid, Closed ; Was Paid as Agreed Discrepancies : Payment History : The account reflects that no payments were received from the date opened until its closing. This is inconsistent with the reported status of being Paid, Closed ; Was Paid as Agreed. 

Delinquency Reporting : The report indicates a maximum delinquency of 30 days in XX/XX/year> for {$25.00}. However, there is no clear explanation or documentation of any missed payments that would lead to this delinquency status. 

Inconsistent Account Status : The account is reported as Closed, yet the payment history does not provide a comprehensive view of my payment performance, potentially misleading creditors regarding my creditworthiness. 

Request for Correction : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly ask that you investigate these discrepancies and correct the reporting for this account. If the information is verified as accurate, please provide documentation used in the verification process. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. Please respond within the 30-day period as required by law.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-09 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: NJ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-09 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: GA

Complaint narrative:
I woke up to unauthorized inquiries on my credit report and can't figure out why they appeared. When I checked as usual, I noticed unusual discrepancies out of the blue. I even tried refreshing my browser in case it was a technical issue, but the inquiries remained. I need this situation resolved immediately, and I am beyond frustrated. Please check the documents I've submitted thoroughly so I never have to deal with this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This morning, unauthorized inquiries appeared on my credit report, and I dont understand how. I always check my report regularly, but this time, discrepancies suddenly showed up. I thought it was just a browser issue and tried refreshing, but the inquiries didnt disappear. I need this resolved immediately, and Im asking for the documents I sent to be thoroughly reviewed so I dont have to worry about it anymore.

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 2024-10-09 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: TX

Complaint narrative:
Im seeing unauthorized inquiries on my credit report, and I have no idea why. I regularly check my credit report, and this time I found discrepancies. I even tried refreshing my browser in case it was a glitch, but the unauthorized inquiries stayed there. Im incredibly frustrated and want the documents I sent to be reviewed immediately so I dont have to keep stressing about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report as usual today, and unauthorized inquiries showed up out of nowhere. After refreshing my browser to see if it was just a glitch, I realized they werent going away. This situation is frustrating, and Im requesting a thorough review of the documents I submitted so this issue can be fixed immediately, and I dont have to deal with it again.

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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express canceled my card with no notice and canceled all my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation