vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am XXXX XXXX and I am submitting this CFPB complaint to formally dispute the inaccurate information that is currently appearing on my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I respectfully request that the following inquiries be immediately removed from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these inquiries or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to bring to your attention some incorrect information on my credit report. On XX/XX/XXXX, I contacted TransUnion about the following errors, but to date, I have not received any response from them. I urge you to investigate and correct the errors as soon as possible. 
Firstly, the following account is not mine, and I request that it be removed from my credit report : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Secondly, the following account is also not mine, and I request that it be removed from my credit report : XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} )

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXX & XXXX XXXX : XXXX XXXX, 2023 : 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 non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX 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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. 

XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: OH

Complaint narrative:
XXXX XXXX {$1100.00} open XX/XX/XXXX just appeared on my credit report XX/XX/XXXX. This account is not Mine I haven't had service with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to request that you correct errors in my credit report. On XX/XX/XXXX, I contacted Transunion about incorrect information on my credit report, but to date, I have not received any response. 

Firstly, I require that you verify the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ) due to incorrect reporting. I am uncertain about the accuracy of the balance you report for this account, as I do not recall owing such a high amount. Furthermore, your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I will be contacting the creditor to clarify this matter. In the meantime, please mark this account as disputed to prevent it from negatively impacting my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 

Secondly, I require that you verify the account identified aXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$990.00} ) due to incorrect reporting. The balance you report for this account is inaccurate, and I believe it should be a lower amount. Moreover, the Past Due amount should not be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request that you verify the Date Opened, Date of Status, and First Reported. 

Thirdly, I require that you examine the account XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) due to incorrect reporting. The Balance of {$1900.00} that you report seems to be higher than what I remember. Additionally, your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I plan to address this matter directly with the creditor, but I need your agency to report the account as disputed while I seek a resolution. 

Finally, I would like to bring to your attention that the following accounts are not mine and request that you remove them from my credit report : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ), and COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ).

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX ( # XXXX ) has violated my rights. Under 15USC 1681 Section, 602 states i have the right to privacy.

15UAC 1681 Section 604A section 2 : It also stated that consumer reporting agency can not furnish an account without my written instructions Under 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX # XXXX account was opened fraudulently without a valid written signature of original contract. Additionally per HIPAA guidelines I am allowed to protect my privacy and medical records from third parties.

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 2023-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Since I took out a loan from XXXX XXXX with my mother-in-law as a cosigner to pay for my tuition, I had no idea that I was dealing with the worst scammers and abusers ever. When I graduated from XXXX XXXX XXXX in 2020, XXXX XXXX XXXX  in XXXX XXXX, Oregon, advised me to settle the balance once I am no longer enrolled by paying a {$4000.00} fee. I informed them that I will begin working on it because I am in school. I was occupied with work and school because I had already started graduate school. I eventually invested my assets in fraud and lost them, and I was unable to get them back. Police, the FBI, and the bank all tried to assist me, but the effort was in vain. 
All of these credits suddenly demanded payment for their outstanding balances at once, forcing me to start over. I instructed them to wait. I had to stop going to school for a while so that I could work harder to pay the costs. Before I knew it, XXXX XXXX had teamed up with FirstMark Bank IncXXXX to pay off their debt. They never communicated with me and attacked the credit rating of my mother-in-law. She contacts me on a Saturday, and I immediately rush to the XXXX XXXX XXXX  on XXXX XXXX XXXX in Oregon to make a {$1700.00} payment. 
XXXX Bank reduced my credit score from XXXX to XXXX over the course of two weeks while refusing to amend my mother-in-law 's credit report. Even worse, XXXX XXXX  stalked me at work, at home, and everywhere else to get access to my social security account, XXXX account, net benefit, and bank information. Even at work, I filed a report about it with the union. They wouldn't raise either my credit score or that of my mother-in-law, which caused a split between us because of the decline in her credit score. 
Even today, XXXX XXXX XXXX  continues to stalk, harass, and intimidate me using other people. They intimidated me and harassed me by using my old attorney XXXX XXXX, XXXX XXXX ' attorney, as well as by physically pursuing me, defiling me, and faking an arrest for a default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date they have not responded. 

Because of incorrectly reported data, I require that your bureau verifies the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ), account. I am unsure of the accuracy of the XXXX of {$7800.00}, that you report for this account, because I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. In addition to that, I request from you to verify the Date Opened, Date of Status and First Reported for this account. 

I require that you verify the account identified as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$990.00} ) because your reporting represents the information incorrectly. The Balance of {$990.00}, reported by you is inaccurate, because I believe it should be a lower amount. Moreover, the Past Due amount shouldn't be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, so that this account is not held against my credit standing. Also, I require that you verify the Date Opened, Date of Status and First Reported. 

The account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1900.00} ) needs to be examined due to incorrect reporting. The Balance of {$1900.00} that you report seems to be higher than the Balance that I remember. Your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I think it may be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such course of action, but I need your agency to report the account as a disputed while I'll be trying to find a solution. 

The following account is not mine COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ). Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: TX

Complaint narrative:
I have been trying to get a cash app card since XXXX years ago XX/XX/XXXX of XXXX and they won't let me Get a card because of a scammer hacking into my account, and they also will not let me know what happened in order to get me blocked from ever ordering a card again, but they did say I was in violation of a contract for the cash app card that would permanently disable me for it from ever Being able to order another card ever again so I really dont know what even what happened but I was locked out of my cash app for like XXXX days and then finally I regain access and everything was changed. All my money was gone and I wasnt able to get a card anymore, I tried explaining to them everything that had happened but they still wont let me get a new cash app card and Ive been fighting identity theft. I owe the IRS {$3000.00} for filing taxes last year, and I never filed because I wasnt working. I was too sick and XXXX and its the square company that partners with cash app that wont let me get a new card wont let me order one and I need one and I dont think its a right that I cant have one because of a scammer and its the square company that partners with cash app that wont let me get a new card wont let me order one and I need one and I dont think its a right that I cant have one because of a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, 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:
Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

The Accounts are in the attached documents

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It's been over 30 days and the creditor, Capital One has not updated my information nor provided proof or documentation in regards to late payment. Capital One has not supplied this information and they must delete alleged payments on my credit report. Under Federal Law, they have 30 days to complete investigation. By failing to do so the items must be deleted as soon as possible. 

In XXXX around the first of the month. I wanted to make payment and was denied by Capital One 's new payment system and Capital One representatives. I was told to call back on XXXX XXXX to make a payment because there was no way for their system to take my payment because it is now outsourced to a third party. You can not pay when you want but when the days are best for their system? This is unfair and deceptive practices by Capital One taking advantage of people. 

Capital One is aware that someone is using my personal information for a bank account, that is not mine. There has been no communication or solution to someone fraudulently using my information and banking with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I signed up for XXXX XXXX in XXXX and used a landline account from then until XXXX. Dial XXXX to call. We came to the conclusion that it would be preferable to try a different provider because of the poor online services, the abundance of schoolwork, and the infrequent ability to submit assignments because of slow internet and internet breakdown services. I told XXXX over the phone that I was terminating my service with them. They made an effort to bargain with me for a cheaper price, but I refused and kept my ground. After that, they sent me a bill for {$130.00} that was still owed, which I settled. I signed up for XXXX XXXX  services a week ago ; I am still a customer of theirs and have never missed a payment. 
Three years after terminating my subscription with XXXX, a bill alleging that I owed them {$0.00} cents showed up in XXXX. We resolved the bill when I called back. I told the man with an Indian accent that I owe them nothing and that he should stop scaring and harassing me until I received a second bill in XXXX claiming this time, {$90.00}. This is stealing. He then made me feel threatened before hanging up. To my amazement, nine years after formally closing my account with them, I am still " owing '' an internet bill from the same firm. 
I saw that my account had two phony phone numbers generated. One of the phone numbers used by the phishing collecting company known as transworld systems inc for {$270.00} is also attached, along with XXXX, XXXX, and a number that I had given to a friend since XXXX before she relocated to the XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
Attached to this complaint there are multiple violations of Illinois law 1 accurate credit bureau reporting 2insurance involved when financing a car that turner acceptance requested the finance company does not mention as a lienholder XXXX XXXX XXXX and ove insurance I had XXXX XXXX XXXX XXXX XXXX proper treatment of contaminated fuel with the department of trnasportation that turner acceptance would not reposess via telephone call. Attached is a lawsuit I filed that turner acceptance XXXX XXXX and XXXX XXXX XXXX where parties and served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$7800.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; 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 XXXXT XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief