vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX, 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 consists of XXXX Acct # XXXX opened XX/XX/XXXX with balance of {$410000.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX with a balance of {$8900.00} XXXX XXXX opened XXXX  Acct # XXXX WITH A BALANCE OF XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT XXXX XXXX OPENED XXXX WITH A BALANCE OF {$260.00} XXXX XXXX ACCT XXXX XXXX OPENED XXXX WITH A BALANCE OF {$0.00} The hard inquires that are on my credit that should also be removed and block 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, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer 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 aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX 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 consists of XXXX XXXX XXXX XXXX XXXX XXXX with balance of {$410000.00} XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT XXXX XXXX XXXX XXXX WITH A BALANCE OF {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WITH A BALANCE OF {$0.00} The hard inquires that are on my credit that should also be removed and block 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, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer 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 aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
XX/XX/2024 I Contacted each creditor asking for method of verification I asked for all the documentation that they had retrieved during their investigation that proves that this information is reporting accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
This is for Reference ID : XXXX and XXXX From Resurgent Capital Services on behalf of LVNV Funding LLC. I have never given any Power of Attorney or any of my consumer rights to the companies stated above. They are reporting balance information to consumer reporting agencies. This is a violation of The Privacy Act of 1974 3-203. I have never done business nor have a written contract with LVNV Funding LLC. Transferring a security doesn't give rights to whoever it is transferred to and only the original creditor can come after me, which is who I signed with. An ARBRITRATION agreement was signed with the original creditor and LVNV Funding LLC is not the original creditor. The original creditor did not settle in arbitration which makes any selling of the debt null and void. Once the original creditor transferred the security they lost their rights. Under UCC 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee. Per 15 U.S. Code 1681 e ( b ) accuracy of report whenever a credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy and completeness of the information concerning the individual about whom the report is relates to. The IRS has not received any notification of these accounts for tax purposes. The accounts must be removed from all three consumer credit companies. You have less then 20 days to comply or IRS wil be notified of the taxes not being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: KY

Complaint narrative:
XXXX sent an ACH deposit through a 3rd party vendor and it hasnt been received by PnC. No one is able track the transaction. No one is able to provide me with trace numbers to verify where the number is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These accounts are reporting fraudulently. Please remove 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 2025-01-13 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: NJ

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach, reviewing my credit reports. I noticed some accounts I am unfamiliar with I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter

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 2025-01-13 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: NJ

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach, reviewing my credit reports. I noticed some accounts I am unfamiliar with I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX2025 Consumer Financial Protection Bureau Attention : XXXX XXXX Bank of America  Acct # XXXX XXXX XXXX  XXXX Dear Sir/Madam : I am writing to express my concerns and frustrations with Bank of America 's failure to comply with the Web Content Accessibility Guidelines ( WCAG 2.0 ) and the Americans with Disabilities Act ( ADA ). As a significany visually impaired individual, I require large print asI requested from bank of america from the onset and clear disclosure to effectively manage my business account. 

Previously Recorded with Bank of America XXXX id # XXXX on XX/XX/XXXX! 

Unfortunately, Bank of America 's website and business engagement service have not provided me with the necessary XXXX accommodations. Despite my requests, they have failed to provide clear and accessible disclosure regarding the structure, setup, and fees associated with my XXXX account. 

To make matters worse, Bank of America has charged me {$16.00} for No apparent service rendered, without proper clarification or acknowledgment of my XXXX status. This is particularly concerning, given that my initial deposit was only {$100.00}. 

I respectfully demand that Bank of America credit my account for the unauthorized charge and take immediate action to ensure their website and customer service comply with the XXXX XXXX and XXXX guidelines. 

Furthermore, I intend to withdraw all my funds from Bank of America, effective immediately, due to their failure to provide adequate services and accommodations for customers with XXXX XXXX. 

I would appreciate it if you could hold Bank of America Accountable on these matters and take necessary actions to ensure that Bank of America complies with the relevant regulations and provides equal access to customers with XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX SXXXX XXXX XXXXXXXX Previously Recorded with Bank of America XXXX id # XXXX on XX/XX/XXXX cc : Boa credit {$16.00} fee | XXXX id # XXXX XXXX {$15.00} boa Boa  XX/XX/XXXX credit {$16.00} fee | XXXX id # 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 monetary relief
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX XX/XX/year>2025 Experian XXXX Department XXXX XXXX  XXXX, XXXX, XXXX Subject : Formal Dispute of Inaccurate Information in My Credit Report Dear Experian XXXX Department, I am writing to formally dispute the accuracy of certain information contained in my credit report, as provided to me by Experian. The information in question is not only inaccurate but also fails to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates accurate, complete, and fair reporting of consumer credit information.

Account ( s ) in Dispute : All negative items and false addresses are listed on my report besides the address on this letter. 

Under CFPB guidelines and precedents set in lawsuits filed against Experian, including enforcement actions, Experian has a duty to : Conduct a thorough investigation into disputed information. 
Correct or delete any information that is inaccurate, incomplete, or unverifiable. 
Provide timely notice to the furnisher of information regarding the dispute. 
Update the consumer regarding the resolution of the dispute within XXXX days. 
The disputed information in my report is demonstrably inaccurate for the following reasons : [ Provide specific details, e.g., account balance is incorrect, account status is misreported, account does not belong to you, etc. ] I have attached the following supporting documents for your review : [ List documents such as billing statements, letters from creditors, proof of payment, etc. ] Failure to comply with the FCRAs requirements, as well as the CFPBs guidelines, constitutes a violation of federal law. I am also aware of the XXXX previous legal action against Experian for similar practices of failing to ensure the accuracy of its reporting, as referenced in [ specific CFPB case or enforcement action, if applicable ]. 

I request that you : Investigate this dispute promptly as required by law. 
Correct or remove the inaccurate information from my credit report. 
Provide me with written confirmation of your investigation and its outcome. 
Failure to comply with this request within 30 days will leave me no choice but to escalate this matter by filing a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state attorney general 's office. I also reserve the right to pursue legal action to enforce my rights under the FCRA. 

Please confirm receipt of this letter and contact me with the results of your investigation at your earliest convenience. I expect a resolution of this matter within the legally mandated timeframe. 

Sincerely, 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 2025-01-13 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$16000.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX CRUNCH XXXX XXXX FL ) XXXX BALANCED {$210.00} XXXX ( Original Creditor : XXXX SPRINT ) XXXX BALANCED {$850.00} XXXX BANK XXXX XXXX BALANCED {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXg debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$540.00} XXXX XXXX BALANCED {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$2400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$220.00} XXXX XXXX XXXX BALANCED {$3100.00} XXXX  XXXX BALANCED {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX1995 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$510.00}, foursight capital llc Account XXXX XXXX XXXX date opened XXXX/XXXX/2021 bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX XXXX Bank. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of 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 non-monetary relief