vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the XXXX, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-22 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: TX

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX & PORTFOLIO RECOVERY are violating federal law and making excuses as to why they are doing so. 2 companies can not collect for the same debt. That is impossible. Both companies responded and provided the same billing statement for a national bank known as XXXXXXXX XXXX which is insured under FDIC and does not incur any losses due to this insurance. What happened was fraud and these 2 companies continue their illegal acts by attempting to force me to pay them money they are not entitled too. I have a right to freely contract if I chose too and I dont want to do any business with these debt collector furthermore they have no authority to force me to pay this debt because they are not authorized to collect because they are not listed on any of the banks incorporation documents or bylaws as an interested party in their business practices. I have previously disputed these debts with the companies and they forwarded long statements with billing statements but no evidence from their company with their letterhead to indict I have a lawful obligation under color of law. Their policies and procedures do not override federal law and their claims will not withhold in a court of law. I now demand they cease all collection activities return this contract to the rightful owner so they can pursue further action if they choose necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Chime Financial Inc
State: IL

Complaint narrative:
the chime credit builder card by XXXX isnt reporting to the bureas properly. most other users have reported that theyve stopped reporting to XXXX around XXXX XXXX for me, they still have yet to even report to XXXX in addition to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts that Transunion, XXXX, and XXXX are putting on my report, removed 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 2024-05-22 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts that XXXX, XXXX, and Experian are putting on my report, removed 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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: CL Holdings LLC
State: CA

Complaint narrative:
In accordance with the Federal Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account nameS : JEFFERSON CAPITAL SYSTEMS, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-22 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: OH

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- -- -- - **TransUnion** Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

The account below opensky cbnk was removed from my XXXX and XXXX report. It's a fraudulent account. Please remove this account off my XXXX report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} **UPDATED XX/XX/XXXX, XXXX XXXX This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all 3 bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX BALANCE {$13.00} XX/XX/XXXX XXXX XXXX XXXX {$57.00} **UPDATED** XX/XX/XXXX These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX $ which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY XXXX REPORT! 

Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my XXXX report. For some reason I had ( 2 ) inquires on my report. As of XXXX for some reason 6 hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
In XXXX was unemployed and Asked the company if There was a type of program like my other 2 credit cards had offered where I make a set agreed upon payment with the understanding that I can't use the card however the interest fees and late fees did not accrue. The aviator advantage card aka Barclays informed me that they had no program for me. I called twice and was told no. 
I then had a XXXX XXXX XXXX XXXX and was employed but on XXXX XXXX XXXX 
Then 23 days ago I recieved a summos that they are suing me for {$3500.00}. 
I wrote a letter to the atty and dropped a letter for the judge at the Co ckerks office. 
I would love any advice to 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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: OH

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- -- -- - **TransUnion** Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

The account below oXXXX XXXX was removed from my XXXX and XXXX report. It's a fraudulent account. Please remove this account off my XXXX report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} **UPDATED XX/XX/XXXX, XXXX XXXX This collection account I offered numerous times to pay XXXX $ so this ILLEGAL account is removed off my credit report as it is hurting my credit score across all 3 bureaus. XXXX $ acoount that i never opened. I need to find some type of resolution. Please remove this off my report. 

XXXX XXXX BALANCE {$13.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$57.00} **UPDATED** XX/XX/XXXX These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX $ which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY XXXX REPORT! 

Every last one of these inquiries are illegal nor did i attempt to apply through any of these creditors. Please remove these illegal inquiries off my XXXX report. For some reason I had ( 2 ) inquires on my report. As of XXXX for some reason 6 hard inquiries popped up dated long time ago which I never did! 

Please Remove these illegal inquiries off my credit report please!! I like to have my credit report clean! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
I received emails this morning from XXXX asking if I just applied for credit. I logged into my XXXX account and saw that on XX/XX/2024 that : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tried to open accounts in my name, but my credit reports for XXXX and XXXX are locked. 
I called the company at the XXXX number and the person I spoke with said they are a debt collector. I have no account in collections. When I asked why they tried to open accounts I was asked for the DoB and last four of my SSN which I did not provide for obvious reasons. I don't know who these people are. The rep said it is Concord Credit. No idea who that is and I have NOT opened any new accounts in 2024. 

Someone with the email address of XXXX also logged into my XXXX XXXX account and changed my email address so I have to contact XXXX and prove I was the account holder, which I did and they deactivated my XXXX XXXX account at my request. Since all the emails from XXXX and XXXX XXXX came in within minutes of each other, I would guess that these two events are related.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: PA

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is incorrectly listed, so kindly remove it from my credit file. I am entitled to receive {$1000.00} for each incorrect report on my credit file.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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