vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: MT

Complaint narrative:
I am writing to demand the immediate removal of fraudulent information from my credit report. I have been a victim of identity theft, and unauthorized account has been made in my name. This is a serious violation, and I insist that you take swift action to rectify this situation. This account was opened without my knowledge or consent, and they are damaging my creditworthiness. I have attached copies of my police report, FTC Identity Theft Report, and any other relevant documentation that support my claim. 

This entry on my credit report are fraudulent and must be removed immediately : 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 2024-06-19 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: FL

Complaint narrative:
I am writing to formally complain about an unauthorized financial transaction involving a vehicle purchase allegedly made in my name and financed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that a vehicle was to be purchased under my name and collected payment despite the vehicle being in my possession for only 32 hours. According to our agreement, the deal was not finalized until I provided a {$2000.00} down payment, after which all necessary paperwork would be completed and handed over to me. Despite being given a limited time to test the vehicle and the assurance that all documentation would be handled electronically, I did not receive any copies or formal agreements at the time of the transaction. All agreements were verbal, and it was understood that I had a brief evaluation period to decide on the purchase. However, the dealership proceeded to collect payment from XXXX XXXX without my consent and before any formal paperwork was completed. Within those 32 hours, I contacted my bank 's finance representative who advised me of a better deal on a newer car at XXXX dealership. Consequently, I returned the XXXX vehicle and proceeded with purchasing a vehicle from XXXX through my bank 's financing. 
Furthermore, I must address the unsettling incident involving a private investigator sent to my residence on XX/XX/XXXX on behalf of XXXX XXXX. The investigator was instructed to retrieve the vehicle from my possession, despite its return to the dealership within the agreed-upon timeframe. Information gathered by the investigator was reportedly obtained from XXXX XXXX. My legal representative, XXXX XXXX, subsequently contacted XXXX XXXX to clarify the financial obligations attributed to me. It was discovered that the vehicle in question had been located by the private investigator, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Remarkably, the vehicle had been at the dealership since XXXX, a XXXX salesman, returned it in XXXX, on my behalf, after a XXXX salesman I had previously interacted with was unprofessional in our dealings.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally complain about an unauthorized financial transaction involving a vehicle purchase allegedly made in my name and financed by Capital One. XXXX XXXX XXXX XXXX XXXX XXXX, informed Capital One that a vehicle was to be purchased under my name and collected payment despite the vehicle being in my possession for only 32 hours. According to our agreement, the deal was not finalized until I provided a {$2000.00} down payment, after which all necessary paperwork would be completed and handed over to me. Despite being given a limited time to test the vehicle and the assurance that all documentation would be handled electronically, I did not receive any copies or formal agreements at the time of the transaction. All agreements were verbal, and it was understood that I had a brief evaluation period to decide on the purchase. However, the dealership proceeded to collect payment from Capital One without my consent and before any formal paperwork was completed. Within those 32 hours, I contacted my bank 's finance representative who advised me of a better deal on a newer car at XXXX dealership. Consequently, I returned the XXXX vehicle and proceeded with purchasing a vehicle from XXXX through my bank 's financing. 
Furthermore, I must address the unsettling incident involving a private investigator sent to my residence on XX/XX/XXXX on behalf of Capital One. The investigator was instructed to retrieve the vehicle from my possession, despite its return to the dealership within the agreed-upon timeframe. Information gathered by the investigator was reportedly obtained from Capital One. My legal representative, XXXX XXXX, subsequently contacted Capital One to clarify the financial obligations attributed to me. It was discovered that the vehicle in question had been located by the private investigator, XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX Remarkably, the vehicle had been at the dealership since XXXX, a XXXX salesman, returned it in XXXX, on my behalf, after a XXXX salesman I had previously interacted with was unprofessional in our dealings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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 am writing to formally complain about an unauthorized financial transaction involving a vehicle purchase allegedly made in my name and financed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, informed XXXX XXXX that a vehicle was to be purchased under my name and collected payment despite the vehicle being in my possession for only 32 hours. According to our agreement, the deal was not finalized until I provided a {$2000.00} down payment, after which all necessary paperwork would be completed and handed over to me. Despite being given a limited time to test the vehicle and the assurance that all documentation would be handled electronically, I did not receive any copies or formal agreements at the time of the transaction. All agreements were verbal, and it was understood that I had a brief evaluation period to decide on the purchase. However, the dealership proceeded to collect payment from XXXX XXXX without my consent and before any formal paperwork was completed. Within those 32 hours, I contacted my bank 's finance representative who advised me of a better deal on a newer car at XXXX dealership. Consequently, I returned the XXXX vehicle and proceeded with purchasing a vehicle from XXXX through my bank 's financing. 
Furthermore, I must address the unsettling incident involving a private investigator sent to my residence on XX/XX/XXXX on behalf of XXXX XXXX. The investigator was instructed to retrieve the vehicle from my possession, despite its return to the dealership within the agreed-upon timeframe. Information gathered by the investigator was reportedly obtained from XXXX XXXX. My legal representative, XXXX XXXX, subsequently contacted XXXX XXXX to clarify the financial obligations attributed to me. It was discovered that the vehicle in question had been located by the private investigator, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Remarkably, the vehicle had been at the dealership since XXXX XXXX XXXX  salesman, returned it in XXXX, on my behalf, after a XXXX salesman I had previously interacted with was unprofessional in our dealings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-19 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I was going through a financial XXXX and I have several charge off that I never received a 1099 cancellation of debt from and I am requesting that they be removed because of the inaccuracies.

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 2024-06-19 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 understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-19 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-19 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: PA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I opened a Cash App account that the company forced me through a series of invasive request for personal identification documents, social security number, biometric data, and everything else except a DNA test. The company sent multiple communications stating that their identify verification criteria had been satisfied, and that the account was approved to be open. 

There account never worked. Both incoming and outgoing money transfers always failed. On XX/XX/year>, the account was locked for absolutely no reason. Cash App for a second time started demanding a series of the same documents the company already possessed. Even worse, the company started demanding personal photographs, and copies of my credit card ; despite having no financial affiliation with this company ; nor any reason to provide this information. 

Cash App does not have real-time customer support. The company uses XXXX to reply to its customers, and then leaves them in a void without any further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received my documents, and there is a debt that I requested to be investigated because I am not familiar with it. I request an investigation, and the only response I get is " we think its not you, '' but I don't receive any resolution to my dispute or any evidence regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
Please help me address these concerns. I have been a victim of identity theft and had gone back and forth with the bureaus for the last couple of months. I sent my FTC and CFPB reports to the multiple times but they kept on saying that I should resend a new document. This is getting tiresome and really frustrating. Please remove the fraudulent accounts and reports on my credit profiles. 

Fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Also, this is inaccurate. I was never late for this account. : XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX. 

They had set me up for an automatic payment and it got cancelled on their end. I called when I saw that they did not take my payment for that date and they told me not to worry because it will not show late payment at all, but here we are. 

For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also never late for this payment. Not sure with Transunion and XXXX, but it's showing late in XXXX only. Please update the account status to Never Late. 

I attached my FTC and IDs below.

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 2024-06-19 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: FL

Complaint narrative:
Please help me address these concerns. I have been a victim of identity theft and had gone back and forth with the bureaus for the last couple of months. I sent my FTC and CFPB reports to the multiple times but they kept on saying that I should resend a new document. This is getting tiresome and really frustrating. Please remove the fraudulent accounts and reports on my credit profiles. 

Fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Also, this is inaccurate. I was never late for this account. : XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX. 

They had set me up for an automatic payment and it got cancelled on their end. I called when I saw that they did not take my payment for that date and they told me not to worry because it will not show late payment at all, but here we are. 

For XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX. I was also never late for this payment. Not sure with XXXX and Equifax, but it's showing late in XXXX only. Please update the account status to Never Late. 

I attached my FTC and IDs below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
Please help me address these concerns. I have been a victim of identity theft and had gone back and forth with the bureaus for the last couple of months. I sent my FTC and CFPB reports to the multiple times but they kept on saying that I should resend a new document. This is getting tiresome and really frustrating. Please remove the fraudulent accounts and reports on my credit profiles. 

Fraud account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Also, this is inaccurate. I was never late for this account. : XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX. 

They had set me up for an automatic payment and it got cancelled on their end. I called when I saw that they did not take my payment for that date and they told me not to worry because it will not show late payment at all, but here we are. 

For XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX. I was also never late for this payment. Not sure with XXXX and XXXX, but it's showing late in Experian only. Please update the account status to Never Late. 

I attached my FTC and IDs below.

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