vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company XXXX is reporting a hard inquiry on my credit report without my knowledge or consent. I have not done any business with this company it is no reason they should be sharing my personal information. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX. XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. XXXX. In accordance with the written instructions of the consumer in whom the report relates. XXXXThey need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have rental and car notes in my name when its not mine my information was stolen in an identity breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello for my Transunion account was exposed in a data breach as well as the negative accounts for mutiple violations they have refused to provide the date of first deliquency for each of the collection accounts that are reporting as well changing the date of last activity and reaging the collection accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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:
someone stole my identity and got a hold of my credit report please investigate and remove these negative items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was going through XXXX when I Applied for forbearance myself in 2014 by myself through Bank of America my mortgage company at the time It never went through Was advised to go to HUD filled out paperwork again cause rep stated I cant use original paperwork I had. Fast forward just lost my mom so I was trying to get home equity loan however was advised I have two liens on my home for 2014 two months difference from HuD / Bank of America. Went to state representative office who verified and documented this was a duplicate. They gave me payoff notice for the correct amount which was for the lowered lien amount. I am trying to get someone who can correct all lien and systems who can remove the lien which is for the higher amount out of credit and lien systems so I can get home equity loan to help me pay off my debts. Tried calling Bank of America and they do not want to assist me since they sold my mortgage to shell point. And shell point referred me back to Bank of America which is the pits. They sold my mortgage to XXXX XXXX  stating I have a forebearance and XXXX XXXX  was given the forebearance amount and now they are also trying to obtain a forebearance amount as well. This is a mess I need the lien to be removed and XXXX XXXX to remove this forebearance from my account cause I am not paying this duplicate forebearance which is lien on my house that I have payout not for am willing to pay to get this off my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
I have no idea what this debt is showing up on my credit. 

Spring Oaks Capital , LLC Says is the original creditor {$1200.00} Says the account is open and placed for collection. Not sure how an account can be opened and in collection. I have tried numerous times to get them to validate the debt with absolutely no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX XXXX  SSN : XXXX Address : XXXX XXXX  Sincerely XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : - 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION INFORMATION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NY

Complaint narrative:
ok so the account in question here is " XXXX '', better known as XXXX XXXX. these people when I requested the debt to be validated they sent me every statement since the account was open. I asked for the public and private GAAP accounting records of the debt, the name of the original creditor and the name of the flesh and blood human being that validated the debt. furthermore, since this creditor has been reporting in accurate credit information from XX/XX/XXXX- XX/XX/XXXX, pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . the reason why I am bringing this dispute forward to this corporation is for defamation and for financial injury. the fine is the extend of the damages incurred by the wronged party as deemed by the courts, pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to XXXX XXXX XXXX XXXX. This would entitle me to a violation sum of {$34000.00} if this dispute is taken to district court and this corporation made to be held liable for this gross negligence of federal law. Further more, being that this corporation failed to provide enough proof to validate the debt and the credit bureaus continued to reported false and inaccurate information for an extended period of time that would make the credit bureau and this company both liable to violating FCRA 623, and pursuant to XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ( XXXX XXXX. XXXX ), the reason for adding the violation to this dispute is due to defamation and willful injury. the fines that can be assessed for the violations are to the extent of damages incurred by the wronged party deemed by the courts. pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to XXXX XXXX XXXX XXXX. this would be another violation sum of {$34000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: NY

Complaint narrative:
ok so the account in question here is " XXXX '', better known as XXXX XXXX. these people when I requested the debt to be validated they sent me every statement since the account was open. I asked for the public and private GAAP accounting records of the debt, the name of the original creditor and the name of the flesh and blood human being that validated the debt. furthermore, since this creditor has been reporting in accurate credit information from XX/XX/XXXX- XX/XX/XXXX, pursuant to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX . the reason why I am bringing this dispute forward to this corporation is for defamation and for financial injury. the fine is the extend of the damages incurred by the wronged party as deemed by the courts, pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to XXXX XXXX XXXX XXXX. This would entitle me to a violation sum of {$34000.00} if this dispute is taken to district court and this corporation made to be held liable for this gross negligence of federal law. Further more, being that this corporation failed to provide enough proof to validate the debt and the credit bureaus continued to reported false and inaccurate information for an extended period of time that would make the credit bureau and this company both liable to violating FCRA 623, and pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ( XXXX XXXX. XXXX ), the reason for adding the violation to this dispute is due to defamation and willful injury. the fines that can be assessed for the violations are to the extent of damages incurred by the wronged party deemed by the courts. pursuant to 15 USC 1692k ( 1 ) civil liabilities, ( 1 ) any actual damage sustained by such person as a result of such failure ; ANY being defined as unrestricted pursuant to XXXXXXXX XXXX XXXX XXXX. this would be another violation sum of {$34000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: ID

Complaint narrative:
Talked tXXXX XXXX XXXX XXXX XXXX about XXXX XXXX XXXX reporting on me to experian dont owe XXXX  anything and XXXX XXXX XXXX XXXXXXXX XXXX XXXX says she has nothing on me for XXXX XXXX XXXX and told me to dispute it and she will get it removed and I did and it came back as information correct. It is hurting my credit for something that isnt mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MD

Complaint narrative:
I sent my finances old account XXXX  dollars to his old cash app account inwhich he nolonger has access to the email or phone number associated with that account and he talked to 4 associates and the first one told him to have me file a dispute and it would be returned within 3-5 days well cash app denied that the 2nd one he spoke with told me send a refund request and if he didn't access the account within 5 days it would automatically be refunded in 5-10 business days. That never happen he sent in his maryland state I.d to the next 2 the tried to do a one time transfer and that didn't work he doesn't have his card associated with this account because he lost his wallet as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the above-referenced account. This request applies to any and all forms of communication, including but not limited to telephone calls, text messages, emails, letters, and any other medium of communication. Additionally, this directive explicitly includes any communication via my consumer report, as defined by the term " communication '' within the meaning of 15 U.S.C. 1692a ( 2 ).

As per the FDCPA, once a debt collector receives a written request to cease communication, they are required to comply, except to notify the consumer that further collection efforts are being terminated or that specific actions may be taken as allowed by law. Any further communication in violation of this request will be reported to the appropriate regulatory agencies, and I will pursue all available legal remedies.

This letter is not to be construed as an acknowledgment or validation of any alleged debt. Please provide written confirmation that you have received and will comply with this cease-and-desist request.

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX ] All Rights Reserved Without Prejudice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the above-referenced account. This request applies to any and all forms of communication, including but not limited to telephone calls, text messages, emails, letters, and any other medium of communication. Additionally, this directive explicitly includes any communication via my consumer report, as defined by the term " communication '' within the meaning of 15 U.S.C. 1692a ( 2 ).

As per the FDCPA, once a debt collector receives a written request to cease communication, they are required to comply, except to notify the consumer that further collection efforts are being terminated or that specific actions may be taken as allowed by law. Any further communication in violation of this request will be reported to the appropriate regulatory agencies, and I will pursue all available legal remedies.

This letter is not to be construed as an acknowledgment or validation of any alleged debt. Please provide written confirmation that you have received and will comply with this cease-and-desist request.

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: SC

Complaint narrative:
There is an account under the name WILLIAMS & FUDGE INC. attempting to collect {$10000.00} from me and reporting only on my XXXX credit report. The account was opened on XX/XX/year>. Pursuant to 18 USC 8, I owe no debt, this company violates a number of my consumer rights which include : 15 USC 1681b ( 2 ), these accounts must have a permissible purpose; under 15 USC 1681 ( 4 ), they must be accurate and verifiable; under 15 USC 6802, my financial information must remain private without proper authorization ; and under 15 USC 1681e ( b ), you are required to ensure maximum accuracy. An account was unlawfully opened in my name, resulting in unauthorized access to my personal information and misuse of my credit report. Additionally, the inaccurate reporting on my credit file reflects a failure to maintain reasonable procedures to ensure maximum possible accuracy as required by federal law. I request that the CFPB investigate this matter thoroughly and ensure corrective measures are taken.

Company response to consumer: Closed with explanation