vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

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 consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask for 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

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: EQUIFAX, INC.
State: CA

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 consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask for 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

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: CA

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 consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask for 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

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to information received by XXXXXXXX XXXX, credit checks that are related to auto loans that take place within 14 days of each other should be condensed to a single credit check. I have three credit checks for an auto loan on my report on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I also have three credit checks for another vehicle taking place on XX/XX/year>. I spoke with TransUnion, XXXX, and XXXX to have these ( 6 ) credit checks condensed to two credit checks, but they said they're unable to do so since they aren't recent.

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 a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> T o ; experian subject ; Request for removal of unverifiable account Dear credit reporting Department , I am writing to formally request the removal of an account from my credit report as reported by Experian. this request is based on the recent deletion of an account by XXXX, one of the four major reporting agencies. I recently disputed a charge -off for {$850.00} from Discover Bank . 
{$350.00} XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX, Listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), All consumer reporting agencies must ensure that information in Consumer Reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after it's verification process, I request that you do the same and remove the unverifiable account from my credit report. 
Supporting consumer Laws : FCRA section 611 ( 15 U.S.C 1681i ) Requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA section 623 ( 15 U.S.C 1681s-2 ), Information suppliers must report all complete and accurate information. with XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of the receipt of this request. if the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) And seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), Including section 616 ( 15 U.S.C 1681n ), Which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) For negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. please notify me in writing once this deletion has been processed. thank you for your immediate attention to this request. 
Sincerely, 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: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc.
State: CO

Complaint narrative:
Global Cashcard was acquired by Wisley and I was no longer able to access the card through the account I had set up on the GlobalCashCard website. When I called, customer support, since I didnt have some ID number they requested. They locked the funds on the card. They sent me a link to upload two pieces of identification, one being my valid drivers license and a secondary which was a utility bill. Then they said they needed a copy of my social security card too. They claim the link they sent was just general link and they wouldnt help me without the ss card ( and dont even have a copy of it ). I will not upload that to a random link they sent me, so they have locked my funds unless I send a w-2 instead. This is not a payroll card. It is for stipends from a local theater to reimburse parking when I volunteer there. 
How can I force them to release the funds?

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
In 2023, after buy crypto USTD using the crypto.com company website and APP ( {$420000.00} ) I got an email from this company that I can invest and do trading in their Crypto DEFI wallet, so I downloaded the wallet app from the crypto.com app, and I transferred all my money through several transactions. After few months when I try to access my funds, the app keeps blocking me, I send over 30 emails to crypto.com customer support, and they was telling me the wallets are non custodian and they cant help me. After months of emailing and calling, they told me the wallet was fake and they cant recover my money. 
I told them so crypto.com blindly allowing the scammers using their platform to rob Americans like me? After that they stop replying to me.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been unable to reach the creditor XXXX XXXX XXXX for over a year, I have sent multiple emails and letters with tracking as attached with no reply. The vehicle was a voluntary repossession to XXXX XXXX XXXX which was paid off at auto auction ; however, XXXX XXXX XXXX will not reply and will not update my balance. I have also attempted to sue XXXX XXXX XXXX but we are unable to serve them through process. All I can assume is that XXXX XXXX XXXX went out of business. Attached are all of the attempts that we have made to resolve this so that my credit report is updated accurately.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been unable to reach the creditor XXXX XXXX XXXX for over a year, I have sent multiple emails and letters with tracking as attached with no reply. The vehicle was a voluntary repossession to XXXX XXXX XXXX which was paid off at auto auction ; however, XXXX XXXX XXXX will not reply and will not update my balance. I have also attempted to sue XXXX XXXX XXXX but we are unable to serve them through process. All I can assume is that XXXX XXXX XXXX went out of business. Attached are all of the attempts that we have made to resolve this so that my credit report is updated accurately.

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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Never hit my problem fixed it just disappeared for 90 days and then went back to a negative balance that I did cause

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I requested several times that you follow the rules of the law and remove these accounts for my credit report, I have provided the required documents which was stated by law enclosed are the documents and the accounts in question, I would like to avoid any further litigation

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: MD

Complaint narrative:
Company keeps contacting accusing me of owing money I take no ownership of said account and it does not belong to me

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: AL

Complaint narrative:
Submitted dispute for a collection account on XX/XX/2024 via XXXX XXXX with XXXX. For {$760.00}. I informed them that the account listed as a collection account is XXXX that I did not open and was done fraudulently without my permission. I requested the agency reporting to provide me with documentation stating I personally am the one who opened account, and the identity verification methods used. Also provide the original contract and proof that I was the exact same person who opened the account, because I didn't do it. So I know they can't provide proof of me personally opening the account. They did not delete or remove the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
On the morning of XX/XX/year> I was notified by XXXX XXXX indicating that Southwest Credit Systems has placed an account for {$160.00} on my credit report. 

When I attempted to contact Southwest Credit Systmes on the morning of XX/XX/year> for further details about this alleged debt, I was informed that no information could be provided to me unless I first made a payment. This lack of transparency is concerning and leaves me unable to verify the legitimacy of this debt. 

As a consumer, I have the right to understand the nature of any debt attributed to my name. I respectfully request detailed information about this account, including : 1. The original creditors name and contact information. 
2. The date of the debts origination. 
3. An itemized explanation of the amount owed. 
4. Proof that this debt is valid and associated with me. 

I would appreciate a prompt response to this matter to ensure that this account is legitimate and has not been reported in error. Please provide this information at your earliest convenience so that I may address appropriately.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have not given permission to any company to report any payment history or transactions on my credit report.

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 2024-12-28 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: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All of the above references are fraudulent inquiries. 

Section 605B of the fair credit reporting act requires consumer reporting agencies to block fraudulent information on the consumers credit report if consumer claim it was a result of identity theft create a report of agencies must block information within four days of receiving this information Failure to respond with deletion of the above reference accounts and send out a free copy of my credit report will result in legal action being taken against your company for which I will be seeking 1000 per violation for : Definition of character Neglect enablement of identity fraud Section1681EB of the fair credit reporting act Section 605B 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 2024-12-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the above references are fraudulent inquiries. 

Section 605B of the fair credit reporting act requires consumer reporting agencies to block fraudulent information on the consumers credit report if consumer claim it was a result of identity theft create a report of agencies must block information within four days of receiving this information Failure to respond with deletion of the above reference accounts and send out a free copy of my credit report will result in legal action being taken against your company for which I will be seeking 1000 per violation for : Definition of character Neglect enablement of identity fraud Section1681EB of the fair credit reporting act Section 605B 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There was not way of method of verification on any account listed. I request : or delete XXXX. Chain of XXXX : on every account listed XXXX. Itemized account history of each account listed on report XXXX Credit Entry

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: EQUIFAX, INC.
State: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 non-monetary relief