vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is the follow up complaint. XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$220.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} EMVLP, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed XXXX {$2400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX 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 an alleged identity theft, not later than XXXX 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This is the follow up complaint. XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$220.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3500.00} XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} EMVLP, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed XXXX {$2400.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/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 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 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 an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is the follow up complaint. When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX XXXX Balance Owed : {$47000.00} XXXX XXXXXXXX Balance Owed : {$35.00} XXXX XXXX XXXX Balance Owed : {$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 2024-05-21 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: CA

Complaint narrative:
This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-21 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I've received a copy of my consumer report and came across a company named Resurgent Receivables. They reported the account type as debt buyer basically incriminating themselves and proving violations of the Fcra. I had never had any sort of business with them some this has to be some sort of extortion for a monetary gain while causing damages to my reputation as a consumer in the process, They shall delete account immediately because I'm pretty sure that they will not provide the purchase agreement which is required under as proof of ownership of alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: Certegy Holdings, LLC
State: IL

Complaint narrative:
XXXX is reporting improper information, false information, social security fraud identity theft by third party creditor by XXXX XXXX XXXX 
XXXX is reporting False or misleading representation. 15 U.S CODE section 1592e _ ( Ability recovery service is reporting False and misleading information and representation in violation of 15 U.S CODE section XXXX. and is committing consumer fraud and identity theft. XXXX is committing Social Security fraud as a pattern and practice. There are trying to collect a debt that is ready paid i full. This is bribery and extortion by XXXX who is using XXXX as a window to commit this fraudulent act. .15 U.S, C section XXXX XXXX section XXXX violation by 15 U.S.C 1681c-1 XXXX XXXX XXXX 15 U.S.C 1682 violations FTC violations, CFPB XXXX. 15 U.S.C section 1681sXXXX violations by all party and their representing agencies and insurance company 's.

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 2024-05-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is reporting improper information, false information, social security fraud identity theft by third party creditor by XXXX XXXX XXXX 
XXXX is reporting False or misleading representation. 15 U.S CODE section 1592e _ ( XXXX XXXX XXXX is reporting False and misleading information and representation in violation of 15 U.S CODE section XXXX. and is committing consumer fraud and identity theft. XXXX is committing Social Security fraud as a pattern and practice. There are trying to collect a debt that is ready paid i full. This is bribery and extortion by XXXX who is using XXXX as a window to commit this fraudulent act. .15 U.S, C section XXXX XXXX section XXXX violation by 15 U.S.C 1681c-1 XXXX XXXX XXXX 15 U.S.C 1682 violations FTC violations, CFPB XXXX. 15 U.S.C section XXXX violations by all party and their representing agencies and insurance company 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MS

Complaint narrative:
I ask my bank cash App to block A merchant and they told me that they were block and afterward I noticed that there were charges from the merchants and that there wasnt supposed to be any and that I wanted my money back and that it is the fault so they needed to handle it and they refuse to do so and also refused to clarify or discuss it any further and cute off about it altogether which is not acceptable even when they were in the wrong and allowed the transactions after they blocked them upon my request weeks prior to the matter at hand and they have causing me hardship and hendering me from getting myself food to eat and water to drink

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to remove fraudulent items from my credit file. I believe there may be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. I have been diligently monitoring my credit file to ensure its accuracy and fair representation of my financial history. However, over the past several months, I have noticed several erroneous attempts by your organization to remove fraudulent items from my credit file without my consent. Immediately rectify any inaccuracies or errors related to my credit file that may have arisen from these removal attempts and provide me a written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit file should be based on accurate and verifiable information. I kindly request that you respond to this complaint within exact timeframe and take the necessary actions to rectify this situation. With this issue, I am asking for your assistance to remove the fraudulent items : XXXX OF XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$750.00} XXXX OF XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX OF XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}.

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 2024-05-21 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:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to remove fraudulent items from my credit file. I believe there may be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. I have been diligently monitoring my credit file to ensure its accuracy and fair representation of my financial history. However, over the past several months, I have noticed several erroneous attempts by your organization to remove fraudulent items from my credit file without my consent. Immediately rectify any inaccuracies or errors related to my credit file that may have arisen from these removal attempts and provide me a written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit file should be based on accurate and verifiable information. I kindly request that you respond to this complaint within exact timeframe and take the necessary actions to rectify this situation. With this issue, I am asking for your assistance to remove the fraudulent items : XXXX OF XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXXXXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$750.00} XXXX - XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}.

Company response to consumer: Closed with explanation