vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX  C - XX/XX/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 2024-07-24 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: FL

Complaint narrative:
I've discovered unauthorized entries on my credit report, suggesting potential identity theft as I did not authorize these accounts. I have previously brought this issue to your attention and now request immediate removal of these entries from my report. Their presence is causing significant stress as they inaccurately portray my credit history and financial responsibility. Addressing this challenge has been difficult. If not resolved promptly, I will pursue legal action to protect my rights and resolve this matter. These inaccuracies are a serious concern, impacting my ability to achieve important financial milestones like buying a home and supporting my family. I urge you to address this matter urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: CT

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-24 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: CT

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-24 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: AL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal refunded my account A refund to card amount of XXXX $ Another refund to card amount of XXXX $ paypal gave me numbers for the bank XXXX did a investigation with numbers provided by PayPal and stated no transactions what so ever has come onto my account from PayPal I need answers paypal I keep going back and fourth is it possible you guys put a number wrong so basically I'm out XXXX $ that was due to me I need something done about this I'm entitled to my refund XXXX doesn't have the refunds the numbers you keep provided to this complaint doesn't help the fact I don't have the refunds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: NM

Complaint narrative:
I have never lived at this address and this is fraudulently placed on my credit report and background reports when I try to get hired for employment. I do not have the funds to hire an attorney to find the parties who fraudulently places this record on my reports. The address listed is below. 
I have never lived or rented at the address below and believe I am a victim of identity theft or falsly accused of using this address. 
Please help me remove any record of this address below because creditors are using this address on my file and potential employers can also view this address. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
The company send me a credit card that I haven't applied I call the company asking for answers about it and why I have to pay for a bill if I never applied for any credit card. I call many times the company this week and no one answers my call. The company give me a credit card of the amount of US {$700.00}. The company sent me a email on XX/XX/2024 of the amount of US {$170.00} to pay on XXXX XXXX. 
This situation is very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2024-07-24 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: LA

Complaint narrative:
Dear Experian, I looked at my credit report on XX/XX/year> and, I am writing to dispute the accuracy of certain information on my credit report, which violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are inaccurate and have violated my rights : - XXXX XXXX  : # XXXX I obtained a copy of my Experian credit report on XX/XX/year>, and noticed that the above-mentioned accounts contain inaccurate and incomplete information. As a consumer reporting agency, Experian has a responsibility to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning me, as required by 15 USC 1681e ( b ). Furthermore, pursuant to 15 USC 1681i ( a ) ( 5 ), I request that you please delete any information that can not be verified or is found to be inaccurate.

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 2024-07-24 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:
XXXX, XXXX This is my fourth attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. I have summited all the required documents including : XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT XXXX ) PROOF THAT I WAS UNDER XXXX XXXX XXXX ) PROOF THATI WAS XXXXINNEWYORK XXXX ) PROOF THAT I WAS LIVING IN XXXX XXXX  UNDER SUPERVISION UNTIL XX/XX/XXXX and then in XXXX until XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card, get a phone, or open a business, let alone buy a car when I was in XXXX XXXX and then a XXXX XXXX  and XXXX XXXX living in XXXX XXXX XXXX XXXX  XXXX Once released I moved to XXXX with my wife XXXX XX/XX/XXXX. I have my tax returns to prove it. My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in XXXX  and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX  XXXX  and even while I was at the halfway house or supervised release without having to go through my XXXX  XXXX. The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : - XXXX  XXXX account opened in XX/XX/XXXX. Amount {$2400.00}. Business Credit Card I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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:
XXXX, XXXX This is my fourth attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. I have summited all the required documents including : XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT XXXX ) PROOF THAT I WAS UNDER XXXX XXXX XXXX ) PROOF THATI WAS XXXX XXXX ) PROOF THAT I WAS LIVING IN XXXX XXXX  UNDER SUPERVISION UNTIL XX/XX/XXXX and then in XXXX until XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card, get a phone, or open a business, let alone buy a car when I was in XXXX XXXX and then a XXXXXXXX XXXX and XXXX XXXX living in XXXX  XXXXXXXX XXXX XXXX  XXXX Once released I moved to XXXX with my wife unitl XX/XX/XXXX. I have my tax returns to prove it. My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX  and all during my time in XXXX  and XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a XXXX  for his XXXX. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX or XXXX XXXX without having to go through my XXXX  XXXX. The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : - XXXX  XXXX account opened in XX/XX/XXXX. Amount {$2400.00}. Business Credit Card I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

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 Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: AL

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently disputed an account with Transunion which they removed. The same day my credit score with Transunion went up by XXXX points my XXXX score with down by XXXX points. Both companies show one change which was my XXXX  XXXX account balance went down. I believe transunion, XXXX, and XXXX XXXX are playing games with my credit 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 non-monetary relief
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
I'm writing this letter to inform you I have found negativity on my credit report. This is fraudulent account and I have no legal binding contract with this company. 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 2024-07-24 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: CA

Complaint narrative:
There is an incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX XXXX XXXX XXXXXXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I worked with a debt settlement company to settle the debt. The settlement was paid off in XXXX. To date, the company continues to report a balance that increases even though the debt settlement was accepted and paid. I am not able to get anyone in the phone as they continue to transfer me to a department that doesnt answer. I have spent XXXX hours on hold with no success. I have disputed the information with copies of the cancelled checks and they continue to report the account with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Lendmark Financial Services
State: PA

Complaint narrative:
In XX/XX/XXXX I started the dispute process with XXXX for the following companies. 
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 I ALSO DID NOT CONSENT INQUIRY FOR THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received a correspondence from XXXX dated XX/XX/XXXX indicating that I wanted to challenge fraud on my report, I sent in all identification to prove it was me on XX/XX/XXXX I received a correspondence stating the disputes I want to challenge. 
I called XXXX on XX/XX/XXXX to check the status, and they told me that they hadn't received any of my identifications to move forward. I said that they couldn't send me correspondence of all the collections I was disputing on XX/XX/XXXX. Please understand, that I am in a dire financial crisis as a XXXX veteran. I want to apply for a HELCO loan and my bank told me that I need the following collections removed from my credit report. Now this was the last step of the process when I submitted a letter on XX/XX/XXXX a letter stating Notice of Pending Litigations Seeking Relief and Monetary Compensation Under CFRA 15 U.S Code 1681n Civil Liability for willful Noncompliance And 15 U.S Code 1681 Liability FOr Negligence and Noncompliance And 15 U.S Code1692k Civil Liability. 

After talking to XXXX supervisor, XXXX. He tells me I have to start the dispute process over again. I am asking that XXXX expedite my disputes to have the mentioned items above removed. I did my part, but someone at XXXX dropped the ball. I called each month since XXXX requesting that they move forward with the investigation, and they did not. Your immediate attention is appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date of Birth : XX/XX/XXXX Note : This is an emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) to be removed.

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.

( CREDITOR NAME ) 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation