vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have asked to have several different names addresses and phone numbers removed from my account I have asked to have accounts more than 7 years old for original date removed but they keep updated the date to lengthen the time the report remains on my report I have asked for wrong info to be taken off report I have reported that I was never notified of certain collections nor did I give permission for third parties to take up said collections on me because nothing was ever verified through me

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XXXX  I paid to become a member of Transunion because all of the information is a few months old. I'm ahead of all my payments but they keep reporting to credit card companies that I'm over the credit limit and my credit amount keeps going down and because of them, my credit score keeps going down after working so hard to bring it back up. 

I filed several disputes and chatted with a " XXXX '' and he blamed the credit card company for not submitting the reports on time. I told XXXX that XXXX is showing my accurate credit. 

Now as of today, Transunion has locked me out of their website. I got this error code : Sorry, you have been blocked You are unable to access XXXX  Why have I been blocked? 
This website is using a security service to protect itself from online attacks. The action you just performed triggered the security solution. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. 
What can I do to resolve this? 
You can email the site owner to let them know you were blocked. Please include what you were doing when this page came up and the XXXX XXXX ID found at the bottom of this page. 

There is no way to contact the " site owner ''. 

Also, my credit went down overnight according to XXXX XXXX and my bank. 

Transunion literally retaliated because I complained.

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 2025-02-16 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: GA

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 15 usc 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute fraudulent accounts on my credit report due to identity theft. My personal information was compromised in a data breach, which has resulted in numerous fraudulent accounts and unauthorized inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, I request the immediate blocking and removal of the following fraudulent accounts from my credit file. 

Fraudulent Accounts to Be Blocked : XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX Fraudulent Balance : {$650.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX Fraudulent Balance : {$3900.00} Date Discovered : XX/XX/XXXX XXXX. XXXX. XXXX, XXXX. 
Account XXXX : XXXX Fraudulent Balance : {$350.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
Account XXXX : XXXX Fraudulent Balance : {$490.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX Fraudulent Balance : {$280.00} Date Discovered : XX/XX/XXXX I am enclosing my FTC Identity Theft Report ( Report No. XXXX ) as proof of this crime. Under 15 U.S.C. 1681c-2, Equifax is required to block this fraudulent information from my credit report within four business days of receiving this request. Additionally, I request a written confirmation that these accounts have been removed and that no further collection or reporting will take place. 

Please send a response confirming the removal of these fraudulent accounts as soon as possible. If additional documentation is needed, I can be reached via the contact information provided above. 

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 explanation
Consumer complaint received 2025-02-16 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: IL

Complaint narrative:
I am writing to formally dispute fraudulent accounts on my credit report due to identity theft. My personal information was compromised in a data breach, which has resulted in numerous fraudulent accounts and unauthorized inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, I request the immediate blocking and removal of the following fraudulent accounts from my credit file. 

Fraudulent Accounts to Be Blocked : XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX Fraudulent Balance : {$650.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX Fraudulent Balance : {$3900.00} Date Discovered : XX/XX/XXXX XXXX. XXXX. XXXX, XXXX. 
Account XXXX : XXXX Fraudulent Balance : {$350.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
Account XXXX : XXXX Fraudulent Balance : {$490.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX Fraudulent Balance : {$280.00} Date Discovered : XX/XX/XXXX I am enclosing my FTC Identity Theft Report ( Report No. XXXX ) as proof of this crime. Under 15 U.S.C. 1681c-2, Equifax is required to block this fraudulent information from my credit report within four business days of receiving this request. Additionally, I request a written confirmation that these accounts have been removed and that no further collection or reporting will take place. 

Please send a response confirming the removal of these fraudulent accounts as soon as possible. If additional documentation is needed, I can be reached via the contact information provided above. 

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 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
On XX/XX/year>, I requested to withdraw from XXXX XXXX. I was an online student at the XXXX, Minnesota campus. I submitted a withdrawal form, but my success advisor, XXXX XXXX, ignored my request and continued to enroll me in the next session. Apparently, this accumulated a bill, and a representative informed me over the phone that I would not be responsible for paying for the class if I didn't attend. By XX/XX/year>, I asked XXXX why they were still sending emails, and he said it was because I was still active. I do still have all my emails in regards to requesting to withdraw and communicating with XXXX and their financial account management XXXX XXXX who said, they sent too much aid back to the government when I withdrew, and they didn't even withdraw me. They were send me a bill before they withdrew in XX/XX/year>. XXXX was not supposed to enroll me in any classes until we discussed it, as I wanted to explore my options and we talked about that over the phone. Instead, I withdrew because {$250.00} of my aid was missing. I was always eligible for financial aid, which is why I am confused about this bill of {$1400.00}, and that is not even the cost of a class. There's not much I can do since we are in two different states. I'm unsure if this is a private loan or what, because it's accruing interest the balance was {$1100.00} XXXX later lied, claiming he didn't withdraw me because he thought I was trying to withdraw only from the class I was attending and not from the whole university, so I guess they didn't even pay attention to my withdrawal form. He won't own up to his mistake. They have sent a debt to Sunrise Credit Services , inc . The other person who was aware of this was XXXX XXXX, the admissions advisor. I only took and completed 1 class at this university and it was paid for in full through grad plus loans.

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 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEMS threatened to hurt my credit, the amount is not verifiable, and they will not work with me on any part of this matter, nor give me any information. Terrible service and confusion tactics to bully me to pay them. They put this unknown debt collection on my credit on XX/XX/XXXX for the amount of {$1700.00}. They report negatively on my credit reports ( all 3 reports ) each month, and the last time they reported was on XX/XX/XXXX. I have no idea who this debt collector is and I have no knowledge of the debt. They harass me and have made my credit scores all decrease heavily.

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 2025-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This company has put this on my credit report I have no idea who they are I never received any information and I have asked him to remove it I asked them to give me a written out contract or some form of commitment that I owe them money. They do not have such contract because that has never occurred. Therefore I do not owe this company anyone. Unless they can prove that I do not owe them nothing. They also are using different names on their billing accounts to put their debt on my credit. How do I know this because it's the same amount different company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Dispute of Debt - Request for Validation ABILITY RECOVERY SERVICES XXXX XXXX XXXX WYOMING, PA XXXX Date : XX/XX/year> Re : Account Number XXXX To Whom It May Concern, I am writing to dispute the validity of the debt listed under the account number referenced above. According to my records, there appears to be inaccurate information regarding this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt.

Please provide the following information : Verification that the debt belongs to me, including any signed agreements or contracts. 

A detailed accounting of the alleged debt, including the original balance and any fees or interest added. 

Documentation identifying the original creditor, specifically regarding XXXX XXXX XXXX. 

Proof that your agency is authorized to collect this debt. 

Until this information is provided, I request that you cease all collection activities regarding this account. Additionally, if this debt is not validated, I expect it to be removed from my credit report. 

Please respond in writing to the address provided below : XXXX XXXX XXXX XXXX. Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Sincerely, Signature : 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 2025-02-16 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: CA

Complaint narrative:
Multiple accounts requested to be deleted some are the same accounts. Reported inaccurate information. Also there is an also known as XXXX XXXX. This name is not mine nor have i ever used that name for any reason. These accounts are impacting my credit negatively.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Multiple accounts requested to be deleted some are the same accounts. Reported inaccurate information. Also there is an also known as XXXX XXXX. This name is not mine nor have i ever used that name for any reason. These accounts are impacting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I stopped at the gas station to check the balance on my chime card like I always do as I'm riding home I realize {$140.00} is taken out of my account I don't know if the ATM is a scam I complained to the gas station owner I also called my bank day advise me to go back to the gas station I've been running around in circles it happened XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have XXXX  problems I have to pay for my medication and I need to see what you all can do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
Provided information about a scam to Zelle, the service we used to send money for a product. After the seller started asking for more we decided it was a scam and stopped the processes and asked for a refund. They said they would send one but blocked all contact. I reported the scam to Zelle and they told us to contact XXXXXXXX XXXX where we accesses the Zelle service. They told us we needed to contact Zelle. So neither company is willing to help with the fraud, just tell us to contact the other one. Thats a scam in its own right not backing their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX INACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
i was in the hospital with a XXXX XXXX i am on several medications and i was given many tests i am not doing well i can not handle the stress of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief