vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were either fraudulently opened or impacted as a result of the breach. 
The following accounts have been affected : Account Information : XXXX  XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$270.00} XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$170.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$220.00} XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$480.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$190.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$5500.00} UNAUTHORIZED COLLECTION Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX Account number : XXXX XXXX Date opened : XX/XX/XXXX, Amount : {$180.00}

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 2024-12-24 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: TX

Complaint narrative:
My information was included in a data breach in XXXX  by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX {$250.00}, XXXX XXXX {$680.00}, XXXX XXXX {$950.00}.

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 non-monetary relief
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
My information was included in a data breach in XXXX  by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX {$250.00}, XXXX XXXX  {$680.00}, XXXX XXXX {$950.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX was stolen from my PayPal account and sent to someone in XXXX named XXXX XXXX. I do not know this person and PayPal was contacted immediately that day the fraudulent transaction occurred. In speaking with PayPal, they mentioned multiple breaches were made to my account and various transactions failed before the money was stolen. They also said that when the money was stolen they ultimately approved the transaction, the PayPal team said they would investigate further and provide a resolution on XX/XX/XXXX. XXXX days later they did not inform me of the fraud case being closed, which I saw on the PayPal website. Over the next few weeks I would go on to call PayPal customer support multiples times who would each time assure me the issue was being reviewed only for the case to be closed a day later. In my last two calls the individuals on the recorded line confirmed that I would be reimbursed and that fraud was detected, they have still not reimbursed me weeks later. My interactions with PayPal has been a horrible customer experience. Not only have they continually lied to me about the review process and reimbursing me my stolen funds, they assisted in the theft in the first place as they cleared the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: VA

Complaint narrative:
I am writing to express my grave concern and frustration regarding the re-insertion of accounts that had already been deleted from my credit report. This action is not only unwarranted but also indicative of a serious lapse in your verification and reporting processes. I am requesting an immediate resolution to this matter, along with a thorough explanation of how and why this occurred. As you are aware, under the Fair Credit Reporting Act ( FCRA ), once disputed accounts have been investigated and subsequently deleted from a credit report, they should not be re-inserted without substantial evidence and compliance with strict procedural requirements. Specifically : 1.Verification and Notification Requirements : The FCRA mandates that any re-inserted account must be verified as accurate and complete.

You are required to notify the consumer in writing of the re-insertion, providing details of the evidence used to substantiate its accuracy. I did not receive such notification, which is a direct violation of your legal obligations.

2.Failure to Conduct a Thorough Investigation : The accounts in question were already deemed inaccurate and removed. What new information or documentation prompted their re-insertion?

If no additional verification was provided, this re-insertion is a clear failure of Equifax to exercise due diligence in ensuring the accuracy of its reports.

3.Accountability of the Bureau : It is not the responsibility of the consumer to repeatedly dispute the same inaccuracies. Your bureau has a duty to maintain accurate records and prevent erroneous re-reporting. 
The re-insertion of these accounts suggests either negligence or a disregard for consumer rights, both of which are unacceptable.

I demand that the following actions be taken immediately : Permanent Removal of the Re-Inserted Accounts : These accounts must be removed from my credit report immediately, and Equifax must ensure that they are not re-reported in the future without incontrovertible evidence of their accuracy.

Detailed Explanation of Re-Insertion : Provide a written explanation of why these accounts were re-inserted, including the specific evidence or documentation relied upon to justify their reappearance.

Assurance of Compliance : Implement measures to prevent such occurrences in the future, ensuring that deleted accounts are not improperly re-inserted into credit files. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
Hello, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were initially removed but have been reinstated without my awareness. I have not received any notification or mail regarding their addition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
The credit bureau company refused to correct inaccurate information with XXXX XXXX XXXX XXXX ( multiple accounts ) and XXXX  I explained to them that the incorrect reporting is a violation of FCRA.

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 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 non-monetary relief
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-12-24 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: FL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-12-24 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.

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 2024-12-24 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I do not consent to e-OSCAR verification, I want a real human being to read this complaint. I sent in through registered mail a security to INDIGO/CONCORA CREDIT. The security was received at the location INDIGO/CONCORA CREDIT instructed me to send to. INDIGO/CONCORA CREDIT did not credit my account from the dividend payment that the company made off my treasury coupon. Did not credit my account via the electronic transfer fund act of the interest on my treasury coupon. I tendered the coupon I received according to the XXXX laws, but INDIGO/CONCORA CREDIT is infringing upon these laws and also the many laws that govern my federally protected rights as a federally protected consumer. " XXXX. DISCHARGE BY CANCELLATION OR RENUNCIATION. Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. ( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement. ( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. '' According to UCC 3-604 the debt is automictically discharged for the non-compliance of the company after I fulfilled my obligation according to UCC 3-603 . I don't know what INDIGO/CONCORA CREDIT is doing with my security I sent in, but they are committing security fraud, and I have not received my security back. The security hasn't been returned to me so I'm assuming INDIGO/CONCORA CREDIT is stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$9200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$150.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$260.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$400.00} XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX # XXXX XX/XX/XXXX -- {$190.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$200.00}

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 2024-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my profound frustration and disappointment regarding the recent communication from your agency. Despite my explicit request for accurate information, you have provided me with details that are blatantly incorrect and wholly unacceptable. 

Discrepancies Noted : Incorrect Address : The documentation references an address at which I have never resided. 

Misidentification : The name associated with the alleged debt is " XXXX XXXX. '' My legal name is XXXX XXXX. I have no knowledge of, nor connection to, any individual by the name of XXXX XXXX. 

Unrecognized Debt : I have never incurred a debt with XXXX, the original creditor listed by Southwest Credit Systems XXXX 

Actions Taken : I have contacted Southwest Credit Systems multiple times, requesting validation and correction of this erroneous information. In response, they provided documentation containing the incorrect name and address, failing to rectify the inaccuracies. 

Impact : This false information has adversely affected my credit report, causing unwarranted damage to my financial reputation. 

Requested Resolution : I urge the Consumer Financial Protection Bureau to investigate Southwest Credit Systems for their negligent reporting practices and to take appropriate action to ensure : Immediate Removal : The inaccurate debt entry is promptly removed from my credit report. 

Compliance Assurance : Southwest Credit Systems adheres to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to prevent future occurrences of such negligent reporting. 

Next Steps : If this matter is not resolved promptly, I intend to pursue legal action for defamation and any other applicable claims to protect my rights and restore my credit integrity. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
For months, Ive told Affirm that I was a victim of fraud. There are multiple loans in another persons name with their payment information not mine. The company refuses to remove the information and has reported the identity theft to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX 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 2024-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: TX

Complaint narrative:
Letters were submitted requesting that information be verified and removed if incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year> I contacted Transunion about unauthorized inquires on my credit report. I was told to call all of the companies inquiring about my credit report and get them to remove the inaccurate information. The companies said they had no information on me and that there was nothing that they could do. I contacted Transunion and was informed to file a complaint with the FTC because they couldn't do anything. It's very frustrating.

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 2024-12-24 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: NC

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
I submitted a request for deletion, explaining that I was a victim of identity theft on XX/XX/year> with my ftc report and supporting documents. I have yet to receive any information or have these accounts deleted. It has been well over the allotted time for a response.

Company response to consumer: Closed with non-monetary relief