vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TransUnion Credit Reporting Agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Unauthorized inquiries : XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  XXXX via dealer on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. List of inaccurate addresses : XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned 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 non-monetary relief
Consumer complaint received 2024-08-13 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: MN

Complaint narrative:
On XX/XX/XXXX my identity was stolen to opened up a credit card account with XXXX XXXX XXXX. At the time of this opening I was XXXX  and was not relieved until XX/XX/XXXX which makes it impossible for the account to belong to me. Please remove account from my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: MN

Complaint narrative:
On XX/XX/XXXX my identity was stolen to opened up a credit card account with XXXX XXXX XXXX. At the time of this opening I was XXXX  and was not relieved until XX/XX/XXXX which makes it impossible for the account to belong to me. Please remove account from my credit report 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 2024-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Have not received cash from settlement due to failure to modify loan after they received payment from federal government to provide modification.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I saw in my XXXX XXXX  a credit inquiry. I called Concora credit and explained it was not me and someone tried to obtain a credit card with my name and information. They said it was going to be reported and today I received a letter stating my application was denied for a card and nothing about it been fraud and removing it from my credit report showing it was fraud. I am a XXXX  XXXX  of XXXX in the XXXX XXXX XXXX XXXX As XXXX  our identity goes thru lots of identity theft. I am asking for help and complete restoration of my credit in the credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cashapp closed my account and banned my social security number from using their services but would not provide me with any information and was intentionally vague and confusing in their statements to me in an attempt to evade my questions. See the screenshots of conversation and you will understand. 
I joined a class action lawsuit just days prior to this happening and I dont think its a coincidence either. I had been using CashApp for many years prior to this. Their customer service seems like it is mostly AI driven and their computer driven algorithms have too wide of a net without any human to oversee it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXX - XXXXXXXX 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 2024-08-13 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: BTH Management
State: MO

Complaint narrative:
Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. Also I need a copy of the original contract. following account ( Plaza services LLC ) is reporting a balance of ( {$1200.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form XXXX  as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$1200.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a XXXX form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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 respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-08-13 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-08-13 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: GA

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2024-08-13 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am filing a complaint against SYNCB/CAR CARE XXXX XXXX concerning inaccurate information reported on my credit report. The account in question, with the account number XXXX, shows a balance of {$0.00} and includes a creditor comment stating " Settled-Account paid for less than full balance. '' While the balance is accurately reflected as {$0.00}, the comment provided by the creditor is misleading and does not accurately represent the circumstances of the account settlement. This misrepresentation can negatively impact my creditworthiness and is causing inaccuracies in my credit report, potentially affecting my credit score.

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that creditors and furnishers of credit information ensure the accuracy and completeness of the data they provide to credit bureaus. Under 15 U.S.C. 1681s-2 ( b ), creditors are required to investigate and correct any inaccuracies in the information they report. The misleading comment provided by SYNCB/CAR CARE XXXX XXXX not only fails to comply with these legal obligations but also damages the integrity of my credit history.

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 2024-08-13 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: FL

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered XXXX XXXX as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2024-08-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/year>, I reached out to XXXX, Equifax, and XXXX to dispute inaccurate information on my consumer report. Unfortunately, there has been little to no action taken to address these issues, and the investigation appears to have been incomplete. The inaccuracies on my report remain unresolved, and according to the law, they should be deleted immediately. I also filed a report with the FTC, but no further action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: HI

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: IL

Complaint narrative:
I paid off my car loan on XX/XX/XXXX with a check for {$13000.00} When I pulled up the Illinois title and registration status as of today, XX/XX/XXXX, it shows Carvana LLC as a lienholder Ive called Carvana and they told me it is XXXX. That does their loans and its not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
It's past 45 days and you didn't provide what I asked and I'm legally entitled to. Attached is a copy of my NOTICE to file suit ( you will be served yours within the next 7 days ) and you have no more time to fix this issue outside of court. Legally you must remove the account until a court ordered reporting the corrected status is given. From this point on my Attorney will be in contact and each day after this complaint my account reports is a remedy of {$500.00} for you and XXXX $ per violation for Transunion. Please read each document throughly. You guys don't answer my calls and leave my emails on read.

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 2024-08-13 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: MA

Complaint narrative:
Subject : XXXX XXXX and XXXX XXXX XXXX, XXXX Violation of FDCPA and FCRA XXXX sold a debt to XXXX XXXX XXXX, XXXX. XXXX XXXX changed the account number and used XXXX 's name to report the debt to the XXXX credit bureaus. I paid off the balance in XXXX, and the balance should be XXXX ( see attachment ). 

I made multiple phone complaints to XXXX XXXX, XXXX about their deceptive practices and harassment in debt collection. I also filed multiple complaints with the XXXX credit bureaus against XXXX XXXX : XXXX XXXX XXXX, XXXX ( account number : XXXX ) engaged in identity theft, violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX, XXXX wrote a letter requesting XXXX XXXX to delete this account ( see attachment ). 

In XXXX and XXXX, my loan officer and I contacted XXXX departments of XXXX  XXXX. They couldn't locate the account XXXX using my phone number and social security number and directed us to file complaints with the credit bureaus to delete the account. The result was that XXXX changed my account number from XXXX to XXXX and altered the balance to {$2000.00}. They only closed the account without deleting it, which has continuously affected my credit score and credit utilization rate, reaching 137 %. This has completely hindered my ability to refinance my home loan since XXXX. On XX/XX/XXXX, I called XXXX XXXX again to complain and was told to call a fraudulent number ( XXXX ), which turned out to be an advertisement number. 

I filed a complaint with CFPB and reported to FTC, requesting XXXX  XXXX to immediately delete the account from the XXXX credit bureaus.

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 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have four late payments on my XXXX account and was in the processing of changing banks and payments were submitted late.

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 2024-08-13 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: HI

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2024, I visited the XXXX XXXX area of XXXX, XXXX XXXX XXXXXXXX to go to a department store. After exiting the XXXX  near XXXXXXXX XXXX on XXXX XXXX ( XXXX XXXX XXXX ), an unknown male approached me, claiming he had a knife and would use it if I didnt comply. He forced me to accompany him to the Bank of America branch ( XXXX XXXX XXXX  ) and demanded I withdraw {$500.00} from the ATM. I complied out of fear for my safety, as I only had around {$580.00} in my account. He also coerced me to deposit a fraudulent {$990.00} check, then took the {$500.00} and fled. 

Once I felt safe, I reported the incident to a staff member at the Bank of America branch, but I was incredibly disappointed with their response. The staff was unhelpful and showed a lack of empathy, simply advising me to call the fraud line. I followed their advice, had my card canceled, and reported the crime at the XXXX XXXXXXXX XXXXXXXX  ( XXXX XXXX XXXX XXXX XXXX Officers took my statement and drove me around the area to search for the perpetrator, but he was not found. They then spoke with bank staff to obtain CCTV footage. 

On XX/XX/2024, the XXXX informed me that they had arrested and charged the perpetrator with first-degree robbery. I am awaiting further information on court hearings. 

On the day of the incident, I filed a fraud claim with Bank of America ( Claim number : XXXX ), but it was rejected. The bank contends that I willingly withdrew the {$500.00}, but I did so under duress. I am also disappointed that Bank of America refused the claim without conducting a thorough investigation. Additionally, I reported the fake check to the bank on XX/XX/2024, to ensure it was canceled. 

I have attached copies of the XXXX crime report, the order of protection from the XXXX XXXX XXXX, and Bank of America 's response to the claim.

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