vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: AZ

Complaint narrative:
When I was in the military in XXXX, XXXX I was a victim of identity theft with a credit card account opened in my name at XXXX XXXX XXXX XXXX for {$14000.00}. During that time I filed a report with XXXX because other XXXX were being hacked as well. I later learned that I was a victim of the XXXX data breach which I have reason to believe that was a reason that my information was compromised. In XX/XX/XXXX XXXX XXXX sold that debt to a collection agency XXXX XXXX XXXX which has been reporting a balance of {$6500.00} on my credit report since that time frame. They both are still currently on my credit reports for all three bureaus which has been affecting my life in many ways. I would like all collections dealing with those fraudulent accounts be deleted from my credit report as per FCRA 605B ( 15 U.S.C 1681c-2 ).

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 2024-11-04 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-11-04 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-11-04 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 certain accounts and inquiries from my credit report due to identity theft. As a victim of a recent data breach, I have reason to believe that the accounts and inquiries listed below were fraudulently added to my credit file without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and deleted to protect my credit profile from further harm. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
The burden of proof falls on the collection agency not the consumer ( me ) .I find it concerning that ( Conserve debt collection agency ) is not complying with legal requests.I request CONSERVE DEBT COLLECTION AGENCY provide proof they sent debt validation, as is my legal right.If Conserve can not provide proof, I demand this account be removed from my credit report as is my right per FCRA section 623. ( a ) ( i ) .This is my last request before I file a formal complaint with the CFPB and the FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
On XX/XX/year> I took a cash advance from Barclaycardus Credit Card from a XXXX ATM machine for {$200.00}. That cash advance was duplicated XXXX times unbeknownst to me at the time. I contacted the Credit card company numerous times about this in XXXX. I locked the card. Later I was told that Barclay need to put some kind of hold on it, I called on XX/XX/XXXX and on the XXXX about these fraudulent charges. 

I also faxed them on XX/XX/XXXX. Today, XXXX XXXX, XXXX, I must have called and spoken to XXXX different representatives. This has been going on for a very long time. To this date the account still shows that I owe for all these fraudulent charges. The credit card company once again tells me that they are looking into the issue. They are not helpful. This is a very easy situation to explain. I'm still not sure they understand what is going on.

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 2024-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Upstart Holdings, Inc.
State: CT

Complaint narrative:
this account was created as a result of identity theft and was created online without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting a security freeze on my credit report due to concerns about identity theft. Recently, I became aware that my personal information may have been compromised, and I want to prevent unauthorized parties from accessing or using my credit information.

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 2024-11-04 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:
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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: MI

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 :

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 2024-11-04 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: Arivo Acceptance, LLC
State: TX

Complaint narrative:
This account is in litigation I have not been supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.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 an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I am requesting a security freeze on my credit report due to concerns about identity theft. Recently, I became aware that my personal information may have been compromised, and I want to prevent unauthorized parties from accessing or using my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Subject : Urgent Billing Error to Remove Incorrect Late Payment Reporting Due to Procedural Error Dear Chrysler Capital Customer Support Team, I am writing to formally dispute a late payment recorded on my credit report by Chrysler Capital on XX/XX/year>. I am providing evidence that this action did not comply with federal billing regulations and request immediate removal of the late payment from my credit record. 



On XX/XX/year>, I made a payment through XXXX, a bill pay app, because I did not have the available funds to make the payment through my usual method. This option allowed me to use my credit card to ensure timely payment. Prior to this, I had arranged a payment plan with your team that would last until XX/XX/year>, which included adjustments to my account balance after my car was in the shop and a warranty refund was applied to the principal. 



However, on XX/XX/year>, Chrysler Capital reported a late payment on my credit report. This action did not follow the required procedures as specified under CFPB Regulation 1026.13, specifically regarding Billing Error Resolution, section ( b ) Billing error notice. My request for correction is based on the following points : 1. Failure to Deliver Statements : Federal law under 1026.13 ( b ) ( 7 ) requires that creditors deliver periodic statements to the consumers last known address, provided that address was on file at least 20 days before the billing cycles end. I received no statements via my correct email or physical address, preventing me from having knowledge of the billing error in time to address it. 

XXXX. Incorrect Email for Paperless Statements : Upon investigating the issue, I learned that my electronic statements were being sent to an incorrect email address due to a setup error by the dealership. A recorded phone call with your representative confirms this issue, and I have an email record of when I notified Chrysler Capital of the correct email address.

3. Timely Payment Made : I made a substantial payment of {$1600.00} on XX/XX/year>, which was applied to my account. Given my payment history and recent activity, I would never be 30 days late under normal circumstances. 



As this error was due to procedural oversights on Chrysler Capitals part, I request that this late payment be removed from my credit report immediately. If this matter is not resolved, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 



I hope to resolve this matter promptly and appreciate your attention to the legal obligations involved. Please confirm receipt of this request and inform me of the next steps. 



Thank you for your prompt assistance. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
Subject : Urgent Billing Error to Remove Incorrect Late Payment Reporting Due to Procedural Error Dear XXXX XXXX XXXX  Support Team, I am writing to formally dispute a late payment recorded on my credit report by XXXX XXXX on XX/XX/2023. I am providing evidence that this action did not comply with federal billing regulations and request immediate removal of the late payment from my credit record. 



On XX/XX/2023, I made a payment through XXXX, a bill pay app, because I did not have the available funds to make the payment through my usual method. This option allowed me to use my credit card to ensure timely payment. Prior to this, I had arranged a payment plan with your team that would last until XX/XX/2023, which included adjustments to my account balance after my car was in the shop and a warranty refund was applied to the principal. 



However, on XX/XX/2023, XXXX XXXX reported a late payment on my credit report. This action did not follow the required procedures as specified under CFPB Regulation 1026.13, specifically regarding Billing Error Resolution, section ( b ) Billing error notice. My request for correction is based on the following points : 1. Failure to Deliver Statements : Federal law under 1026.13 ( b ) ( 7 ) requires that creditors deliver periodic statements to the consumers last known address, provided that address was on file at least 20 days before the billing cycles end. I received no statements via my correct email or physical address, preventing me from having knowledge of the billing error in time to address it. 

XXXX. Incorrect Email for Paperless Statements : Upon investigating the issue, I learned that my electronic statements were being sent to an incorrect email address due to a setup error by the dealership. A recorded phone call with your representative confirms this issue, and I have an email record of when I notified XXXX XXXX of the correct email address. 

XXXX. Timely Payment Made : I made a substantial payment of {$1600.00} on XX/XX/2023, which was applied to my account. Given my payment history and recent activity, I would never be 30 days late under normal circumstances. 



As this error was due to procedural oversights on XXXX XXXX  part, I request that this late payment be removed from my credit report immediately. If this matter is not resolved, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 



I hope to resolve this matter promptly and appreciate your attention to the legal obligations involved. Please confirm receipt of this request and inform me of the next steps. 



Thank you for your prompt assistance. 



Sincerely, 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 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Santander Corresponds, Thank you for pointing out some of the faulted activity and suggesting speaking with dealership as XXXX XXXX is also third parties into this very complaint as has not responded to the complaints at all in reference to XX/XX/XXXX XXXX sent to FTC for fraud regulations. 

let the record show that after response was enter FTC sent a report of all codes violated from Santander emailed by me to XXXX XX/XX/XXXX and XX/XX/XXXX. 28 code violation have been cited. Let the record show i will include that into the next CFPB report. 
let the record show the XXXX XXXX dealership has received revoking of power of attorney, letter of affidavit, letter of recission in XXXX of XXXX based on fraudulent activity on contract. because of this the 3rd party contractor has no legal securities authorities to collect onto this account. 15USC 1692 information to a 3rd party, as per the contract with XXXX XXXX 15USC1682 identity theft I would also like to thank you for offering a copy of the fraudulent contract that has details of forged signature and that is not the original contract that was signed in wet ink in XXXX XXXX as the customer has to be present for any correction and signature has to be notified to the customer the contract should be 100 % a duplicate contract and changing your contract after the customer has left to suit the other parties is fraud including Santander because of this in the original contract please note I have the right of recission and the right to ask for all money involved in the deal thru Santander and XXXX XXXX. XXXX XXXX lack of compliance or correspondence shows the fraudulent securities and deals of yoyo auto dealer fraud and fraudulent signatures. let the record show this is identity theft and attend to pursue my rights. 

Please provide the original purchase agreement that shows you are legally holder of the alleged debt. 
I need the bills of sale that is appropriately signed by both the original lender and the third-party all violations XXXX5usc 1692f/ 15usc1682 identity theft truth and lending act 15usc1602g/ 15usc10 ( 9i ) let the report show I will be filing another report for both Santander and XXXX XXXX XXXX With the XXXX let the record show I am asking for a purchase agreement if Santander conspired with XXXX XXXX AS the bank , you are just as credibly for organized fraudfully behavior, and collecting on the account is also fraud. i have included XXXX documents along with deals of the fraud securities that was include during the deal without my knowledge include what Santander suggested XXXX XXXX taking the care and down payment in a securities transaction

Company response to consumer: Closed with explanation