vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: NC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 


XXXX XXXX XXXX XX/XX/XXXX - {$1200.00} SELF / LEAD XXXX - CLOSED LATE PAYMENT XXXX XXXX XXXX  XXXX - Collection/Chargeoff XXXX XXXX  XXXX - Collection/Chargeoff XXXX  XXXX Collection/Chargeoff UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-12-09 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: NC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CLOSED LATE PAYMENT XXXX XXXX XXXX  XXXX - Collection/Chargeoff XXXX XXXX  XXXX - Collection/Chargeoff XXXX  XXXX Collection/Chargeoff UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is improperly reporting a XXXX account on my credit report. It has been well over the allowable 30 days, and they have repeatedly removed and re-added this account without justification. I want to make it clear that this account and its balance do not belong to me, and I expect this issue to be resolved 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 2024-12-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX RE : Trafficking Block Request To Whom It May Concern. 

I am a victim of XXXX XXXX The information listed below, which appears on my credit report is the result of that XXXX 

XXXX XXXX : Open XX/XX/XXXX XXXX XXXX : Open XX/XX/XXXX XXXX XXXX  : Open XX/XX/XXXX XXXX : Open XX/XX/XXXX XXXX : Open XX/XX/XXXX XXXX XXXX XXXX  : Open XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX : Open XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Open XX/XX/XXXX XXXX XXXX XXXX : Open XX/XX/XXXX XXXX XXXX XXXX : Open XX/XX/XXXX XXXX XXXX XXXX : Open XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Open XX/XX/XXXX XXXX Block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I greatly appreciate your prompt expedited to this matter. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX documentation

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 2024-12-08 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: TX

Complaint narrative:
I filed an identity theft report along with my state ID and a bank statement as proof of address. I then notified Equifax that it's identity theft. They were supposed to block all of thos accounts from my credit report within XXXX working days. They did block all expect XXXX. That one they did not block I was told it would take an extra day. They never did block it and made we wait 30 days and said they verified it was my account. The account in question is with XXXXXXXX XXXX XXXX which I NEVER opened and there's no way possible they verified it cause I never signed anything. Equifax violated federal law. If they blocked the other accounts then they errored in not blocking the XXXX XXXX XXXX. They can't just pick and choose when I supplied all information that it was identity theft. I do have proof of all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I filed XXXX XXXX in 2018 and the mortgage was included. The credit bureau has not reported it but XXXX XXXX has it on my credit report as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
" I am a victim of a data breach and identity theft. It is hard for me to continue financially due to this unfortunate situation. I am unable to purchase a home or a car. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents. ''

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 2024-12-09 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: LA

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 please do 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/year> I have enclosed a copy my Police Report/FTC identity theft report ( XXXX XXXX XXXXXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX XXXX XXXX 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account XXXX XXXXXXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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 non-monetary relief
Consumer complaint received 2024-12-08 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 account was deleted off my report on XX/XX/year> by Equifax and it still appears on my credit report, even after your investigation. I would like this item immediately removed. The inaccuracies are highly injurious to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX ( Account Number XXXX ) for their failure to validate the information they are reporting to the credit bureaus. Despite sending XXXX dispute letters over the past XXXX XXXX, they have not provided verification or documentation to substantiate the accuracy of this account. Their lack of response violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Errors and Violations : Failure to Validate the Account : Under Section 623 ( a ) ( 8 ) of the FCRA, furnishers are required to conduct a proper investigation and provide validation when a consumer disputes an account. Despite my repeated requests, XXXX XXXX has not provided any documentation or proof verifying this debt. 
Inconsistent and Inaccurate Reporting : XXXX : Reports the account status as Deleted, Balance is {$30000.00}, High Balance is {$33000.00}. 
XXXX : XXXX the account status as In Dispute, XXXX is {$34000.00}, XXXX XXXX is {$110000.00}. 
XXXX : XXXX the account status as In Dispute, XXXX is {$34000.00}, XXXX XXXX is {$110000.00}. 
Violation : These discrepancies indicate that XXXX XXXX is not furnishing accurate information, violating Section 623 ( a ) ( 1 ) of the FCRA, which mandates that furnishers report accurate and consistent information across all credit bureaus. 

Failure to Conduct a Proper Investigation : Under Section 623 ( b ) of the FCRA, furnishers must investigate disputes and correct inaccuracies. XXXX XXXX has failed to conduct a reasonable investigation or provide a resolution, despite having XXXXXXXX XXXX to do so. 
Reporting Charged-Off Status Without Verification : The account is reported as a Collection/Chargeoff on all three bureaus. 
Comments such as Charged off account, Unpaid balance reported as a loss by the credit grantor, and Charged off as bad debt Profit and loss write-off reflect derogatory information that has not been validated. 
Reporting a charged-off status without validating the debt is a violation of my rights under the FCRA. 
Requested Resolution : I request that the CFPB take action to ensure that XXXX XXXX : Provides full validation of the debt, including original documentation proving the accuracy of the account details. 
Ceases reporting this account to the credit bureaus if they can not provide proper verification. 
Corrects the inconsistencies and removes any inaccurate or unverifiable information from my credit reports. 
Their failure to validate the account and continued inaccurate reporting are clear violations of the FCRA. I seek immediate resolution to prevent further damage to my credit profile. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX XXXX XXXX after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with EQUIFAX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX Incorrect information identified in reports from all three credit bureaus : Inconsistencies in Payment Comments : XXXX : " Purchased by another lender. '' XXXX : No comments provided. 
Equifax : " CHARGED OFF ACCOUNT. '' Discrepancy in Date of Last Payment : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
Discrepancy in Last Reported Date : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 


Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-08 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 FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, Equifax, and XXXX credit reporting agency, 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 a Car loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX credit account opened at XXXX XXXX on XX/XX/XXXX, and a credit card account open with XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 and collections 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