vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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:
XXXX XXXX XXXX Collection/Chargeoff Other {$7000.00} Status Date Reported XX/XX/year> Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit Not Reported Highest Balance {$7000.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

I am writing to formally dispute the validity of the collection account referenced above. According to my records and the information I have received, this account is [ inaccurate, incorrect, not mine, or otherwise invalid ]. Please consider this letter as a formal request to investigate and validate this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide documentation proving that this account belongs to me, that the amount is accurate, and that your agency is legally authorized to collect it. Additionally, I request that you cease all collection activities while this investigation is pending. 

If you are unable to provide valid documentation within the required 30 days, I request that this account be immediately removed from my credit report and that you cease all collection activities. Additionally, please notify the credit reporting agencies to update and delete this account from my file. 

I look forward to receiving your written response, including the requested validation, within the legal timeframe. Please communicate with me in writing only. 

Thank you for your prompt attention to 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 2024-08-25 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 XXXX  Collection/Chargeoff Other {$7000.00} Status Date Reported XX/XX/year> Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX XXXX Account XXXX Not XXXX Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit Not Reported Highest Balance {$7000.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

I am writing to formally dispute the validity of the collection account referenced above. According to my records and the information I have received, this account is [ inaccurate, incorrect, not mine, or otherwise invalid ]. Please consider this letter as a formal request to investigate and validate this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide documentation proving that this account belongs to me, that the amount is accurate, and that your agency is legally authorized to collect it. Additionally, I request that you cease all collection activities while this investigation is pending. 

If you are unable to provide valid documentation within the required 30 days, I request that this account be immediately removed from my credit report and that you cease all collection activities. Additionally, please notify the credit reporting agencies to update and delete this account from my file. 

I look forward to receiving your written response, including the requested validation, within the legal timeframe. Please communicate with me in writing only. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: CA

Complaint narrative:
Upon reviewing my Credit Reports, I discovered some late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. This information must be reported with utmost accuracy. I have never missed a payment on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX report, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ don't have account info ] 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, account Legally paid in Full for less than the full balance, I don't have the account number but I do have 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 non-monetary relief
Consumer complaint received 2024-08-25 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: IL

Complaint narrative:
I opened a loan with XXXX in XXXX of XXXX. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was granted a deferment for those 3 months. Everything was fine, but recently late payments have been showing for those months on my Experian Credit Report, I contacted Achieve Personal Loans and they resolved the issue before. Now, it has come back up, so I contacted Achieve Personal Loans and they informed me that they have sent serval updates to fix these errors, but Experian has yet to make the corrections on their end. So, I filed a dispute with Experian and they launched an " investigation '' but the results came back as Verified as Accurate. XXXX informed me that they did not verify the errors as correct. 
XXXX is sending updated credit reports to Experian that reflect no late payments but, Experian is not using the updated report information from XXXX. Instead, Experian is not updating my report with the correct information they have received from XXXX. 
Also, since the most recent dispute, the incorrect information is now being reported to my XXXX report when it was not before. 

This has been an ongoing issue since XXXX of XXXX, it's has been interfering with my ability to purchase a home and obtain other financing ; I have had to put off the purchase for several months now ; negatively impacting my quality of life. Again, it should be noted that this issue has been ongoing for 5 months, with no resolution. 

If the matter is not resolved immediately, my only other option would be to take legal action.

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 2024-08-25 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: TX

Complaint narrative:
Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your cooperation.

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 2024-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I had 4 unauthorized transactions done in XXXX Illinois. I reported them promptly. I proved with time stamped photo of me at home not XXXX XXXX were refunded. The fourth they continue to deny. Ive sent the pictures of a receipt that shows I was in store returning an item and video of another item on the receipt to show it is my receipt. They still continue to deny the transaction. They would ha e you believe that I walked to XXXX a XXXX XXXX XXXX. Found a thief I never met borrowed my stolen debit card back from them. To shop at a XXXX in XXXX. Then walked the three hour drive back home in time to take a time stamped photo of myself in my bedroom. All in another of 10 mins. That is impossible you would think common sense would tell you that since three of the XXXXXXXX  4 unauthorized transactions were refunded. You arent allowed to communicate with the dispute team. They email from an email you cant reply to. Then you start The process all over only allowed to talk to People who know nothing and can do nothing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/year> **Subject : ** Dispute of Fraudulent Account Attempt No. XXXX Dear XXXX XXXX XXXX  I am writing to formally dispute the fraudulent account attempt made in my name, which marks the XXXX  such incident involving your company. I have not opened any accounts with your organization, nor have I authorized anyone to do so on my behalf. This is a case of identity theft, and I request that you immediately cease any and all actions related to this fraudulent account and remove any associated information from my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to several protections regarding identity theft and fraud. Specifically : XXXX. **Right to Block Information : ** Section 605B of the FCRA grants me the right to have fraudulent information resulting from identity theft blocked from my credit report. I am requesting that you take all necessary actions to ensure that this fraudulent account is not reported to any credit reporting agencies. If it has been reported, I demand that it be removed immediately. 

XXXX. **Right to Notification : ** Section 615 ( g ) of the FCRA requires that creditors provide notification when negative information is added to a consumers credit report. If this fraudulent account has resulted in negative information being added to my report, I request immediate notification and the subsequent removal of such information. 

XXXX. **Right to a Copy of Application : ** As provided by Section 609 ( e ) of the FCRA , I have the right to obtain copies of applications and business transactions relating to the fraudulent account. Please provide me with copies of any and all documents used to open or attempt to open this account. 

Enclosed are the following documents to support my claim : - A copy of my government-issued ID. 
- A copy of the police report regarding this identity theft. 
- The FTC Identity Theft Report. 

I urge you to investigate this matter thoroughly and take swift action to rectify this situation. Additionally, please confirm in writing that this account has been closed and that any derogatory information related to this account has been removed from my credit report. 

Failure to comply with this request may result in legal action, as I intend to fully exercise my rights under the FCRA to protect my credit and identity. 

Please respond within XXXX  days from the date of this letter to confirm that this matter has been resolved. 

Thank you for your prompt attention to this urgent issue. 

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 2024-08-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/year> **Subject : ** Dispute of Fraudulent Account Attempt No. XXXX Dear XXXX XXXX XXXX  I am writing to formally dispute the fraudulent account attempt made in my name, which marks the XXXX  such incident involving your company. I have not opened any accounts with your organization, nor have I authorized anyone to do so on my behalf. This is a case of identity theft, and I request that you immediately cease any and all actions related to this fraudulent account and remove any associated information from my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to several protections regarding identity theft and fraud. Specifically : XXXX. **Right to Block Information : ** Section 605B of the FCRA grants me the right to have fraudulent information resulting from identity theft blocked from my credit report. I am requesting that you take all necessary actions to ensure that this fraudulent account is not reported to any credit reporting agencies. If it has been reported, I demand that it be removed immediately. 

XXXX. **Right to Notification : ** Section 615 ( g ) of the FCRA requires that creditors provide notification when negative information is added to a consumers credit report. If this fraudulent account has resulted in negative information being added to my report, I request immediate notification and the subsequent removal of such information. 

XXXX. **Right to a Copy of Application : ** As provided by Section 609 ( e ) of the FCRA , I have the right to obtain copies of applications and business transactions relating to the fraudulent account. Please provide me with copies of any and all documents used to open or attempt to open this account. 

Enclosed are the following documents to support my claim : - A copy of my government-issued ID. 
- A copy of the police report regarding this identity theft. 
- The FTC Identity Theft Report. 

I urge you to investigate this matter thoroughly and take swift action to rectify this situation. Additionally, please confirm in writing that this account has been closed and that any derogatory information related to this account has been removed from my credit report. 

Failure to comply with this request may result in legal action, as I intend to fully exercise my rights under the FCRA to protect my credit and identity. 

Please respond within XXXX  days from the date of this letter to confirm that this matter has been resolved. 

Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2024 **Subject : ** Dispute of Fraudulent Account Attempt No. XXXX Dear XXXX XXXX llc I am writing to formally dispute the fraudulent account attempt made in my name, which marks the XXXX  such incident involving your company. I have not opened any accounts with your organization, nor have I authorized anyone to do so on my behalf. This is a case of identity theft, and I request that you immediately cease any and all actions related to this fraudulent account and remove any associated information from my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to several protections regarding identity theft and fraud. Specifically : XXXX. **Right to Block Information : ** Section 605B of the FCRA grants me the right to have fraudulent information resulting from identity theft blocked from my credit report. I am requesting that you take all necessary actions to ensure that this fraudulent account is not reported to any credit reporting agencies. If it has been reported, I demand that it be removed immediately. 

XXXX. **Right to Notification : ** Section 615 ( g ) of the FCRA requires that creditors provide notification when negative information is added to a consumers credit report. If this fraudulent account has resulted in negative information being added to my report, I request immediate notification and the subsequent removal of such information. 

XXXX. **Right to a Copy of Application : ** As provided by Section 609 ( e ) of the FCRA , I have the right to obtain copies of applications and business transactions relating to the fraudulent account. Please provide me with copies of any and all documents used to open or attempt to open this account. 

Enclosed are the following documents to support my claim : - A copy of my government-issued ID. 
- A copy of the police report regarding this identity theft. 
- The FTC Identity Theft Report. 

I urge you to investigate this matter thoroughly and take swift action to rectify this situation. Additionally, please confirm in writing that this account has been closed and that any derogatory information related to this account has been removed from my credit report. 

Failure to comply with this request may result in legal action, as I intend to fully exercise my rights under the FCRA to protect my credit and identity. 

Please respond within XXXX  days from the date of this letter to confirm that this matter has been resolved. 

Thank you for your prompt attention to this urgent issue. 

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 explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
A loan was opened in my name by a fraudulent pay to work scheme that runs under multiple names. It violates so many consumer protection laws. The total balance of my loan is {$1600.00}. I already have an overdue payment that I missed on XX/XX/year>. The payment is for {$100.00} The program 's testimonials, stories, and other content is all from people trying to scam. They will talk you into opening a loan to buy a course, and you will not be an employee. 

Here is the link to the website of the program, which clearly depicts a scam : XXXX XXXX XXXX The company says they are hiring, but all they are doing is seeking people to buy into their business. 

When setting up a call with the company, they asked for my credit score, made me open an affirm account in my name, made me give access to my screen via XXXX, asked for my social security number, and made me sign a deceiving contract I also want to mention that the people running the company are very smart and know how to hide their scams well. They use people 's credit scores, SSN, purchasing power, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: EGL US, LLC
State: MI

Complaint narrative:
This account states that its open and it should be posted as closed and paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/XXXX the account for LVNV Funding LLC was closed but not removed for inaccurate reporting then updated as closed but still reporting which is against my consumers rights. I have never had an account with this company not given this company my information. I have tried to contact this company with no prevail. The balance for {$11000.00} is not mine nor the is the balance for {$4600.00}. I responded to this company in the dates of XX/XX/XXXX and XX/XX/XXXX. The the last day to respond was XX/XX/XXXX. I responded within the time frame that was required with no answer both times. The account is closed but still information that is inaccurate and also this account is not mine. There is no original creditor to verify this information.

Company response to consumer: Closed with explanation