vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.

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 2025-01-10 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified.

I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency.

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.

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 2025-01-10 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:
This letter is to inform you that I recently received a copy of my credit report stating that I had a credit breach thay company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified.

If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.

Please provide me with a copy of an updated and corrected credit report showing this item removed.

I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Unauthorized Withdrawal from My Account Hello, I am reaching out regarding an unauthorized withdrawal from my checking account at Wells Fargo on XX/XX/XXXX. The company that withdrew funds is XXXX. They were listed as a payee for my home security service ; however, I changed my payment method to my credit card back in XX/XX/XXXX. 

Out of nowhere, XXXX charged my account {$400.00}. I contacted Wells Fargo about this issue, but they denied my claim, stating that the withdrawal by the payee was allowed even if it was not used in 2 years. 

I also reached out to XXXX, and initially, they denied having my bank account number in their system. However, on XX/XX/XXXX, they acknowledged the charge but claimed it was a check for equipment I had purchased from them. I asked them to provide the image of the check, but they could not. While I did buy equipment in XX/XX/XXXX, I paid for it in full with my credit card, and I have proof of that payment and invoice. 

I am at a loss knowing that someone could withdraw money from my account without my authorization and that Wells Fargo allowed this to happen. I would greatly appreciate any assistance you can provide in resolving this matter. I can provide all the necessary documents to support my case. 

I appreciate your help. 

Best regards, 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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This account was open without my permission, I did not authorize this account, and I did not sign any paperwork for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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 am filing this complaint to address Equifax credit bureau 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit and required documents for the 4th time on XX/XX/2024, and filing prior CFPB complaints ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax reinstated fraudulent accounts without providing a valid reason. Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft and fraud, as evidenced by my submitted FTC Criminal Complaint. I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax regarding multiple unresolved and inaccurate items on my credit report, as well as the bureaus failure to respond to a prior dispute I submitted. These errors include incomplete and inconsistent reporting, as well as an unverifiable bankruptcy record. Below are the details of the items and reasons for my complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Monthly payment amount discrepancy : Equifax lists it as {$1300.00}, whereas XXXX reports {$1100.00}. Balance discrepancy : Equifax reports {$140000.00}, but XXXX reports {$140000.00}. These discrepancies render the accounts reporting inaccurate and incomplete. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : A late payment is reported for XX/XX/XXXX. I request that Equifax contact the original creditor and verify this information. If it can not be verified, the late payment must be removed to reflect an on-time payment. XXXXXXXX XXXX XXXXXXXX XXXX Reference # XXXX : Equifax has failed to respond to my prior dispute regarding this public record. This bankruptcy is unverifiable and incomplete, as it does not include a date settled. Due to the lack of response and incomplete reporting, I demand the immediate and permanent removal of this XXXX XXXX XXXX  from my credit report. 4. Unrecognized Inquiries : The following inquiries are unauthorized and must be removed from my credit report : XXXX ( XX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Renton Collections Inc.
State: WA

Complaint narrative:
I reserved a letter from an hospital i never visited so i assumed it was a scam. For XXXX XXXX, the dates in question I am already paying my bill with a different hospital. The hospital in question i have never been seen or even been to

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M1 Holdings Inc.
State: NJ

Complaint narrative:
I completed a deposit of {$1200.00} to my savings account at M1 Finance on XXXX XXXX XXXX XXXXXX/XX/year>. I was displeased with the speed of the deposit and the lack of customer support within that time frame so i decided to withdraw all my money to the same bank account i deposited it from and close my account. As soon as i initiated the withdrawal request and account closure process, M1 decided to " freeze '' my account and required me to " submit documentation '' in order to unfreeze it. I promptly submitted all documentation ( multiple times because they kept asking over and over for some reason ) and yet still they have not responded regarding unfreezing my account and giving me my money.. I simply want my money returned to me & my account closed. I have XXXX intention of doing business with this crooked company ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.

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 2025-01-10 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: LA

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.

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 2025-01-10 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: IL

Complaint narrative:
Im tired of fighting against the same errors that keep appearing on my report. These inaccuracies are more than just an inconveniencetheyre actively hurting my score and depriving me of opportunities Ive worked hard to earn. Its incredibly frustrating to feel like Im being punished unfairly because of mistakes that I didnt make.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Reason for Dispute : Inaccuracies with the Status, Late Payments, and Reporting Dates between Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Several months ago, I sent a certified letter to Firstmark Services ( a student loan servicer ) stating that the debt was not mine. I also submitted disputes to all three credit bureaus on two separate occasions. Once, about 8 months ago, and the second time, I submitted a dispute about 2 months ago. The problem was not fully resolved. My credit has been decimated, and my credit score has also been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
This company, XXXX XXXX XXXX XXXX is calling me several times a day and emailing me after I asked them not to. I also told them " they only needed to contact me once. I know I owe them, but the calls and emails are excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: NJ

Complaint narrative:
XXXX has kept me on the phone for over two hours on several occasions in which I am transferred back and forth between customer service and billing where they claim to fix the problem on their end and that I need to speak with the other department to finish up but nothing is actually done. They confirm it is me by asking about several personal identifiers and refusing to proceed if I do not confirm every one, have me describe the entire issue, and then say they have no record of it. This includes minutes long hold times with each person, refusing to get a supervisor, and saying they will conference with the other department with me while then continuing the cycle. I have been verbally abused and threatened with lawsuits by XXXX call representatives throughout this time. 

I have bills for supplies I never received and have notified them I changed insurance twice since I last used them with a prescription in XXXX. Despite verbal and written requests to cease autoship for XXXX XXXX  I continue to receive them. XXXX calls my cell phone multiple times a week with voicemails left that are unclear as to who is calling or why until you call the number back. 

On XX/XX/XXXX, I received 5 letters in the mail from ARStrat about alleged debt owed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was in XXXX  XXXX XXXX XXXXXXXX from XXXX through XXXX when debts took place as well as the other discrepancy was a auto loan that was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: OK

Complaint narrative:
Home was sold and mortgage paid off XX/XX/XXXX. 
Release of mortgage received XX/XX/XXXX. 
Bureaus still reflect an outstanding balance on 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
During, the Pre-qualification process I discovered that several unauthorized judgments that I did not recognize. I contacted the credit Bureaus and Portfolio Recovery to dispute these judgments and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report and Portfolio Recovery refuse to provide me with any information because it doesn't match my social security number. This issue has and still is causing undue stress, has affected multiple pre-approval and/or pre-qualifications and has negativity affected my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
last month i contacted the bureaus to let them know that this account was fraudulent, but they didnt care. they didnt help

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 2025-01-10 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:
last month i contacted the bureaus to let them know that this account was fraudulent, but they didnt care. they didnt help

Company response to consumer: Closed with non-monetary relief