vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX  XXXX XX/XX/XXXX {$4700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$9100.00} Late Payment : XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX XXXX Employers : XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX  XXXX XX/XX/XXXX {$4700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$9100.00} Late Payment : XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: NJ

Complaint narrative:
Currently, on all three of my credit reports, Mohela is shown as having XXXX balances for me. The first is where it currently is ( {$53000.00} ), and the second was what was previously believed to be my account balance, before a debacle that still hasn't been solved completely on their end ( {$29000.00} ). I would like Mohela to contact all of the credit agencies and tell them I only have XXXX set of loans with them and not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report, which I reviewed on XX/XX/year>. I have found that these inquiries do not appear to have a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Under the FCRA, specifically 15 U.S.C. 1681b, a consumer reporting agency may only report inquiries that are made for a permissible purpose. If no permissible purpose exists, the inquiry should not appear on my credit report. 

The following hard inquiries are in question : XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXXXXXX XXXX XXXX - Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/year> XXXX XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX XXXX - Inquiry Date : XX/XX/year> I request that you investigate these inquiries and remove the above inquiries as they do not have a permissible purpose as outlined in 15 U.S.C. 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MS

Complaint narrative:
To Whom It May Concern, I strongly disagree with the response of your investigation. Even after your investigation, the following incorrect items still remain on my credit report. I request an immediate reinvestigation of these items due to their negative impact on my credit rating. 
1. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
7. Validate Account XXXX XXXX XXXX Account Number : XXXX. 
8. The following personal information is incorrect Employers : XXXX XXXX 9. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX. Validate Account Account Number : XXXX Please ensure that all information is accurate 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX 16. The following personal information is incorrect Employers : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
22. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
25. The following personal information is incorrect 26. Employers : 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 2024-11-11 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: MS

Complaint narrative:
To Whom It May Concern, I strongly disagree with the response of your investigation. Even after your investigation, the following incorrect items still remain on my credit report. I request an immediate reinvestigation of these items due to their negative impact on my credit rating. 
1. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX. 
4. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
7. Validate Account XXXX XXXX XXXX Account Number : XXXX. 
8. The following personal information is incorrect Employers : XXXX XXXX 9. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 10. Validate Account Account Number : XXXX Please ensure that all information is accurate 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
22. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
25. The following personal information is incorrect 26. Employers : 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 2024-11-11 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: PA

Complaint narrative:
MY IDENTITY HAS BEEN COMNPRIMSED AND STOLEN. PLEASE REMOVE ALL NEGATIVE AND UNAUTHORIZED ACCOUNTS AND BALANCES FROM MY CONSUMER PROFILE PLEASE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>XXXX  my cash app was hacked and {$4000.00} was taken my bank that's linked to my cash app reimbursed me. The found it to be proven it was the fault of cash app. Cashapp on XX/XX/year> removed the {$4000.00} in addition to the money I had sitting in my account. I contacted cash app support they said my bank reversed it. I contacted my bank and they said they never reversed the charge. Cashapp still will not correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was notified that my overdraft credit line of credit was reduced from {$25000.00} to $ XXXX With no explanation in the letter. The chat room agent wrote it was a fraud department decision. I called the designated XXXX XXXX based fraud department. The agent noted the reduction in line, but said it was not a fraud department decision. That department transferred me to a XXXX based department. The agent there said it was reduced because of non-use. I said that if this is the reason, I will use the line and to give me 30 days to do so. She was unhelpful. I asked for an XXXX decision notice, as XXXX gives me an XXXX rating. I want either the original credit line restored ( with use to happen in 30 days ) or an explanation in writing. My account is XXXX. My former account is XXXX. The complaint number is XXXX. 

Dealing with Citi has become over complicated. There are too many offshore employees without subject mater knowledge or authority to overide obviously questionable IA decisions.

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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC
State: NJ

Complaint narrative:
CFPB filed a lawsuit against the company and the agreement includes partial compensation and a release from lease. I had already filed a complaint for this company in the past. The complaint number is # XXXX. The reporting agency is now stating that I had this agreement through them. And not tempoe Llc. And is refusing to remove from my credit report/file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 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

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX is trying to collect a debt that I do not know about, and have no knowledge of.They have been harassing me and I do not owe this debt. 
According to 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all calls. I am NOT RESPONSIBLE for the following debts that I have been getting harassed about. I have absolutely ZERO knowledge of this. It was opened without my consent or knowledge. 

XXXX XXXX Account Number XXXX Opened XX/XX/year> Amount owed {$110.00}

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX is trying to collect a debt that I do not know about, and have no knowledge of.They have been harassing me and I do not owe this debt.

According to 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all calls. I am NOT RESPONSIBLE for the following debts that I have been getting harassed about. I have absolutely ZERO knowledge of this. It was opened without my consent or knowledge. 

XXXX XXXX Account Number XXXX Opened XX/XX/year> Amount owed {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This account was open fraudulently. I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am a victim of Identity Theft. I did not authorize this company to pull my credit report. This a a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: FL

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
Consumer complaint received 2024-11-11 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: IL

Complaint narrative:
I am writing to dispute fraudulent accounts that were opened in my name due to identity theft. I have already reported this incident to the Federal Trade Commission ( FIC ) and filed an identity Theft Report ( FTC XXXX No. : XXXX ). Attached, please find a notarized identity theft affidavit as well as a copy of my complaint with the FTC for verification. The fraudulent accounts in question are : XXXX XXXX XXXX Account, this account was opened without my knowledge or authorization. Under the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. S 1581c-2J, as a victim of identity theft, I have the right to have these fraudulent accounts removed from my credit report. Furthermore, I request that you block these fraudulent items from appearing on my credit report, as mandated by [ 15 u.s.c. s 1681c-2 ] and [ 15 u.s.c. s 1681i ]. To support my request, I have included the following documentation : r... A copy of my government-issued lD ( to verify my identity ). The notarized identity theft affidavit. A copy of my FTC identity Theft Report. Proof of my address ( e.9., utility bill or bank statement ). Please conduct an investigation and notify me of the outcome in writing. Given the requirements for handling identity theft claims, I expect that this investigation and any resulting corrections to my credit report with be completed promptly.

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 2024-11-11 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: TX

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 bondage, which falls under XXXX  according to XXXX-Debt 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 XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX, Acct Number XXXX XXXX XXXX, Acct Number XXXX XXXX  XXXX, Acct Number XXXX XXXX XXXX XXXX Acct Number XXXXXXXX XXXX XXXX Acct Number XXXX Please delete the following inquires : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/year>

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