vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
i was victim of an account takeover due to a phishing targeting my online banking username. 

the scammer sent some bill pay checks and TDBank didnt asked for extended verification like an XXXX, ID check, etc. 

the scammer stoled me around {$50.00} usd. 

i contacted tdbank around XX/XX/XXXX to report the fraud, they opened a case, on XX/XX/XXXX traveled to XXXX and continue it in a branch store, they said they were still investigating. 

until today there is no update and my money is gone. i think bank wont do anything and was just lying to me. i filed claim on time, then followed it for almost 2 years. 

IMPORTANT NOTE : They changed my checking account in order to secure it, so NOW i have a different account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: FL

Complaint narrative:
Incorrect information on my report Incorrect address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl, 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 2024-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Westlake Services , LLC dba Westlake Financial Services has filed on my Credit Report that as of XXXXXXXX XXXX XXXX they have reported " Account charged off. {$9800.00} written off. {$9100.00} past due as of XX/XX/XXXX. '' Westlake not only failed to notify myself or spouse that the vehicle as up for auction, but failed to give proper notification after being told that the XXXX had to have a new motor put in it due to fraudulent fixes the dealership had done and sold the car to us. Not only that but company gave a verbal notification of {$4500.00} would be the cost of the loan, requested written notice via mail or email. XXXX never sent said correspondence and then stopped answering phone calls. On top of XXXX writing off debt, they failed to send XXXX, and are still reporting it on my credit report. XXXX has also entered a civil lawsuit despite writing debt off in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
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 debt XXXX, which falls under XXXX  according to XXXXDebt 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 of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$7100.00}

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 2024-12-26 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHERRY TECHNOLOGIES INC.
State: MI

Complaint narrative:
Cherry Technologies is listed on my 3 Credit Reports with different dates, and amounts this is fraudulent identity theft and needs to be deleted immediately they are not Accurate and need to be deleted from all 3 reports it violates my consumer rights and reporting laws. Delete immediately and update my Consumer Reports today. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-12-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : Creditor Name : XXXX XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XX/XX/XXXX Creditor Name : XXXX XX/XX/XXXX ( Repeat for each disputed inquiry ) Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on [ XX/XX/XXXX ]. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes non-compliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a matter involving XXXX XXXX regarding an outstanding debt that they are attempting to collect from me. I have previously requested documentation pertaining to the purchasing agreement associated with this debt, specifically a copy of the original agreement, but have not received any response or the requested documentation. 

I contacted XXXX XXXX via phone to request a copy of the purchasing agreement letter, as I believe it is my right to verify the legitimacy of the debt being claimed. Despite my efforts, I have not received any correspondence or documentation from them. I have also contacted the credit bureau to verify this account is mine This lack of response not only raises concerns about the validity of the debt but also appears to be a violation of my rights under the Fair Debt Collection Practices Act. I kindly ask the CFPB to investigate this matter and assist in resolving it. 


Thank you for your attention to this matter. I look forward to your prompt response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Privacy Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Macys XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Effective Date : XX/XX/year> Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX XXXX now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. All three agencies should not be reporting these transactions. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802.

I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement. Account has been paid in full as agreed.

16 CFR 433.2 NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

By : 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 2024-12-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not consent, authorize, nor benefit from the inquiry reporting on my consumer report. I DEMAND IMMEDIATE DELETION AND REMOVAL OF THE INQUIRY FROM MY CONSUMER REPORT!!! 

INQUIRY XXXX XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/year> 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 2024-12-25 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: MA

Complaint narrative:
CFPB Complaint against XXXX XXXX XXXX XXXX ( Separate complaint filed with all bureaus : XXXX, XXXX, and Equifax ) : What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block the fraudulent information appearing on my consumer credit report. This information is the result of identity theft and fraud, and I request this block to be applied within 4 business days of you receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : account XXXX XXXX XXXX on XX/XX/XXXX account number : XXXX balance of {$590.00}. 

A XXXX account on XX/XX/XXXX account number : XXXX balance {$590.00}. 

A XXXX XXXX XXXX account on XX/XX/XXXX account number : XXXX. 

A XXXX account opened in XXXX account number : XXXX balance {$70.00} A First Premier account number : XXXX date opened on XX/XX/XXXX A XXXX account number : XXXX XXXX opened on XX/XX/XXXX balance of : {$560.00} An account Creditor Name is : Collection Original Creditor is Collection account number : XXXX opened on XX/XX/XXXX balance of : {$590.00} A XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XX/XX/XXXX balance of : {$590.00} A XXXX XXXX account number : XXXX A XXXX XXXX XXXX account number : XXXX XXXX XXXX XX/XX/XXXX balance of : {$1200.00} A XXXX account number : XXXX opened XX/XX/XXXX balance of {$590.00} A list of unauthorized inquiries on the credit report : XXXX XXXX XXXX XXXX date requested requested XXXX XX/XX/XXXX XXXX XXXX XXXX date requested on XX/XX/XXXX XXXX XXXX XXXX date requested on XX/XX/XXXX XXXX via XXXX requested on XX/XX/XXXX These XXXX have XXXX in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as being mine. These fraudulent accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: TX

Complaint narrative:
Home Credit Disputes Account Monday, XX/XX/XXXX XXXX A XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

The following accounts are unauthorized or inaccurate, and I ask that you delete them : Account from XXXX XXXX  XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX XXXX XXXX needs to be removed. I am a victim of identity them and I never authorized this account. 

Account applied bank needs to be removed. I am a victim of identity them and I never authorized this account. 

Account A plus XXXX XXXX XXXX needs to be removed. I am I'm victim of identity them and I never authorized this account. 

Account from XXXX funding on XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX funding on XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX XXXX. Delete account. 

Late payment from XXXX XXXX A letter from XXXX directly was submitted to update that the account was NEVER late, is CURRENT, and NOT past due. Please update to current, never late, paid as agreed. 

Late payment from XXXX XXXX XXXX. Account was NEVER late, is current, paid on time and as agreed. Please update closed account to reflect accurate reporting as : NEVER late, current, paid as agreed closed. XXXX must also be updated. 

Late payment from XXXX XXXX finance. I was never late. Please update to never late current and paid as agreed. 

Late payment as XXXX XXXX XXXX XXXX I was never late and need to be reported as current, never late, paid as agreed. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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 2024-12-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Home Credit Disputes Account Monday, XX/XX/XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

The following accounts are unauthorized or inaccurate, and I ask that you delete them : Account from XXXX XXXX  XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX XXXX XXXX needs to be removed. I am a victim of identity them and I never authorized this account. 

Account applied bank needs to be removed. I am a victim of identity them and I never authorized this account. 

Account A plus federal credit union needs to be removed. I am I'm victim of identity them and I never authorized this account. 

Account from XXXX XXXX  on XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX XXXX  on XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX XXXX. Delete account. 

Late payment from XXXX XXXX A letter from XXXX directly was submitted to update that the account was NEVER late, is CURRENT, and NOT past due. Please update to current, never late, paid as agreed. 

Late payment from XXXX XXXX XXXX. Account was NEVER late, is current, paid on time and as agreed. Please update closed account to reflect accurate reporting as : NEVER late, current, paid as agreed closed. XXXX must also be updated. 

Late payment from XXXX XXXX finance. I was never late. Please update to never late current and paid as agreed. 

Late payment as XXXX XXXX XXXX XXXX I was never late and need to be reported as current, never late, paid as agreed. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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