vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
On XX/XX/year> I received a letter from Source Receivables Management, which is a debt collector for a debt that was owed to XXXX XXXX XXXX XXXX This letter states that as of XX/XX/year> the balanced owed to XXXX XXXX XXXX was {$270.00}. It also states that I the consumer either paid or was credited {$250.00} to XXXX  When They totaled the amount of debt owed now they did not subtract the {$250.00} credited/paid amount from the original amount owed of {$270.00}. Instead, they added the credit and the amount owed and is now incorrectly reporting and alleging that I owe {$520.00}. According to 15 U.S.C 1681 ( part of the Fair Credit Reporting Act, I the consumer can dispute information on my credit report if I believe it is inaccurate, and the consumer reporting agency must then investigate and correct the information if found to be incorrect. I am asking that this account with Sources Receivables Management either be deleted for reporting inaccurate information. I need to know how was this verified as correct when XXXX XXXX XXXX sent XXXX {$250.00} to cover my bill for a promotion XXXX XXXX XXXX had saying that they would pay my bill in 90 days and that's why I sent the letters from Sources Receivables Management stating that I paid or was credited {$250.00}. But, They are still stating that what they have is correct. I need answers and this resolved correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: GVA Holdings, LLC
State: CO

Complaint narrative:
My phone and purse was stolen with all my personal information inside it was a police report made i did go on identity theft to freeze and write reports. I have submitted this evidence to the cash advance now company. I have contacted them because I XXXX XXXX never nor did authorized them permission to have any of my personal information nor did I get a loan from them. I have a bank that I get those things from in person. I have tried to resolve this when I contacted them n received breach data letters from companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: AZ

Complaint narrative:
XXXX XXXX, Last 4 of XXXX XXXX, DOB XX/XX/XXXX Contents of complaint, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, other accounts such as an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. Collection accounts at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX  opened on XX/XX/XXXX under account number XXXX and XXXX hard inquiry with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent collections and hard inquiries appearing on my FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer FICO credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and 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 2024-12-27 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 writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. As a victim of a data breach, my personal information has been compromised and used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-27 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:
I have followed all of the steps to dispute inaccurate information on my reports. My identity has been stolen. Everytime something new happens I update my FTC and the credit bureaus. The credit bureaus keep allowing fraudulent information on my credit reports. I disputed information with Experian about collections that were not mine. The company XXXX XXXX XXXX just last year was reporting I had debt at XXXX apts in XXXX different states I finally had that removed because it was fraudulent now they have put even worst information stating I owe an XXXX {$100000.00} XXXX disputed the information Experian says its accurate even though it isnt. I sent them my police report and my updated XXXX report but they refuse to remove the information. Also last year XXXX XXXX was reporting fraudulent information from XXXX it was removed but now they have allowed XXXX to report the same exact fraudulent information that was removed. I literally dont even use credit the last thing Ive gotten in my name was my car. They have allowed so many fraudulent accounts on my credit reports its ridiculous and depressing. I have reached out to the social security administration to change my social security number thats how dire this is for me They told me to continue to dispute the information I have and I get nowhere. There is information on my credit report from my ex husband I gave the credit bureaus all the information and they still refused to remove the inaccurate information. At XXXX point I had wrong social security numbers attached to my credit report also names and addresses that were not mine yet the credit bureaus wont remove the inaccurate information. This situation is ruining my life, my credit and physical well being

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I rec 'd a credit card in the mail to activate ( I did not ) XX/XX/year>. I called them XX/XX/year> giving them all the information. They said they would put a hold on the card and start an investigation immediately.

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 2024-12-27 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: AL

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 non-monetary relief
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
collections still reporting and asked for removal 3 times each XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses that have no association with my name : 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 XXXXXXXX unknown alias correct : XXXX XXXX XXXX incorrect : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Verification to Creditors XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide all following information : 1.Please provide evidence of your authorization under 15 USC 1
692e and 15 USC 1692f in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please provide evidence of your authorization to do business in m
y state. 5. Please provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days from receipt of this notice to respond. Your failure to respond, on point in writing, hand signed, and in timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it For the purpose of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, I am requesting that the following accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The affected accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-27 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
My personal information is a was linked in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
My personal information is a was linked in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
Issue with Equifax Credit Reporting for XXXX XXXX XXXX To Whom It May Concern , My name is XXXX XXXX XXXX and I am in the process of applying for business credit. Unfortunately, Ive encountered an issue with Equifax, as they have not updated my credit file regarding the XXXX XXXX XXXX XXXX XX/XX/XXXX of this year. 

I reached out to Equifax, and they confirmed that they have not received the necessary reporting from XXXX XXXX XXXX XXXX I then contacted XXXX XXXX XXXX and was informed that they have been aware of this issue since early XXXX. However, when I requested a timeline for resolution, I was not provided with a clear timeline or any guarantee of resolution. 

This is particularly concerning, as their reporting inaccuracies could adversely impact my ability to secure business credit, which would affect me personally and my family. The other XXXX credit bureaus are showing accurate information. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MT

Complaint narrative:
during the time frame in between XX/XX/XXXX and XX/XX/XXXX, i singed up for credit repair with Lexington law to repair my credit. they received payment and failed to do what was stated in my first initial sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
I am a victim of identity theft. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
This claim is for multiple companies I believe some fraudulent activity. Please investigate these companies. my list as follow XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Lexis Nexis, report an agency. Never heard of these other two nevertheless there reporting agencies App, Clue, I was in a car accident on XX/XX/year>. I was reared ended on the XXXX freeway by a work truck who failed to stop. I called the police did a police report not my fault. The credit bureau states have fought was denied from six different insurance companies because in their records it states that as a thought for an accident I was rear-ended. I have no tickets no accidents.. as for the fraudulent suspicious activity is from the Lender and the car insurance company. It took three months to pay my car off my car. They had already sold my vehicle from day one. The car insurance told the lender they would pay my car off in full. The lender cancel all warranties and gap insurance. The adjuster for the car insurance stated they never gave them a guarantee to pay my car off in full. I tried to get gap to reinstate and they said no. The lenders are desperate so they try to get another warranty policy in my name without my knowledge and my authorization I know because I got a email stating that I talked to a warranty company. I then put a Credit freeze on my credit profile the credit bureau gave Lenders information supposed to be my credit file. I was at fault for the accident, which is not correct and I was denied insurance. I was offered crazy prices for insurance at my amazing driving record. I have a commercial license. I dont have any tickets. I didnt have any accidents. I have proof even though LEXIS-NEXIS tried to say it said it wasnt my fault with these financial Institute has been very stressful, unprofessional individuals. my name has been slander dragged through the mud not just one time twice by this credit reporting agency.. last year it was I had a criminal record. I spent time in jail. I had to go to the XXXX police to file a report because my drivers license was stolen from the post office over a year ago. They said I didnt have any record. Ive never been even arrested. My credit score has dropped damages to my reputation. I am not happy about this. I already reported it to the news station just in case you decide that youre not gon na do anything.

Company response to consumer: Closed with non-monetary relief