vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: TX

Complaint narrative:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX XXXX XXXX {$1000.00} XXXX XXXX BANK XXXX {$660.00} XXXX XXXX XXXX  XXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX XXXX {$2800.00} XXXX XX/XX/XXXX {$2400.00} PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX PA XXXX XXXX XXXX XXXX XX/XX/XXXX Texas XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX XXXX Highway XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX remove these inaccurate information from my credit report

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent numerous letters and request to Experian requesting proof of account that is been reported after they have sent emails and updated my report that those XXXX accounts are accurate and have been updated those accounts that are allegedly charge off accounts. Every time I request information, Experian updates accounts as charge-off which continue to affect my XXXX XXXX I have requested Experian to provide me with proof of the following alleged debts that being reported and updated each month. 
XXXX. XXXX  XXXX charge off account XXXX. XXXX  card - charge off account Experian has yet to provide me with this information. 

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transaction between consumer and person/corporation making the report is not included on consumer reports. Yet Experian is reporting information, The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on consumer report is a violation of XXXX XXXX compliance. Those XXXX accounts have been placed as charge off without mailing me a copy of IRS form XXXX cancellation of debt. Experian and the creditors reporting charge offs in my consumer reports are in violation of 26 USC ss 6050P returns relating to the cancellation of indebtedness by certain entities. If information is not removed within XXXX business days, I will be forced to officially file IRS form XXXX, Information referral and IRS form XXXX : application for Award for original Information Overview with Internal Revenue Service against all entities involved.

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 2023-09-12 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: AR

Complaint narrative:
I am writing to formally dispute and request correction of multiple inaccuracies on my credit report that are negatively impacting my creditworthiness and financial standing. The inaccurate information includes incorrect addresses, charge-offs, a repossession, and unauthorized inquiries, which I believe have been reported in error. 

Here are the details of the inaccuracies I am disputing : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have attached copies of my credit reports from 3 Credit Bureaus to this letter, highlighting the inaccuracies I am disputing.

I wish to emphasize that these inaccuracies are damaging my financial reputation and are not a true reflection of my credit history. I have never lived at the addresses listed, nor have I ever authorized or consented to the inquiries from the entities mentioned above. Additionally, I dispute the charge-off and repossession claims as I have made efforts to resolve these issues and have documentation to support my claims.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to provide me with the results of your investigation. Therefore, I kindly request that you : *Conduct a comprehensive investigation into the accuracy of the addresses, charge-off, repossession, and unauthorized inquiries on my credit report.

*Contact the respective creditors and entities responsible for the inaccuracies to verify the information.

*Correct the erroneous information on my credit report to accurately reflect my true credit history.

*Provide me with a written response outlining the results of your investigation.

I am fully aware of the importance of maintaining an accurate credit report and I am committed to resolving these issues promptly.

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 2023-09-12 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: AR

Complaint narrative:
I am writing to formally dispute and request correction of multiple inaccuracies on my credit report that are negatively impacting my creditworthiness and financial standing. The inaccurate information includes incorrect addresses, charge-offs, a repossession, and unauthorized inquiries, which I believe have been reported in error. 

Here are the details of the inaccuracies I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have attached copies of my credit reports from 3 Credit Bureaus to this letter, highlighting the inaccuracies I am disputing.

I wish to emphasize that these inaccuracies are damaging my financial reputation and are not a true reflection of my credit history. I have never lived at the addresses listed, nor have I ever authorized or consented to the inquiries from the entities mentioned above. Additionally, I dispute the charge-off and repossession claims as I have made efforts to resolve these issues and have documentation to support my claims.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to provide me with the results of your investigation. Therefore, I kindly request that you : *Conduct a comprehensive investigation into the accuracy of the addresses, charge-off, repossession, and unauthorized inquiries on my credit report.

*Contact the respective creditors and entities responsible for the inaccuracies to verify the information.

*Correct the erroneous information on my credit report to accurately reflect my true credit history.

*Provide me with a written response outlining the results of your investigation.

I am fully aware of the importance of maintaining an accurate credit report and I am committed to resolving these issues promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My credit report is showing late payments to JPMCB AUTO XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: NV

Complaint narrative:
I would like all fraudulent accounts and inquires removed from my credit file. I've sent certified letters and the information remains still.

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 2023-09-12 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: NV

Complaint narrative:
I would like all fraudulent accounts and inquires removed from my credit file. I've sent certified letters and the information remains still.

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 2023-09-12 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

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 2023-09-12 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm reaching out to the CFPB to ask for their help in getting rid of these fraudulent inquiries on my credit report. This serves as my follow-up complaint regarding the issue mentioned previously. Also, I'd appreciate your assistance in ensuring that Experian Bureau completes the removal of the remaining fraudulent inquiries from my Experian credit report. Once again, here 's the list of specific fraudulent inquiries that need to be taken off in my Experian credit report by the bureau : EXPERIAN : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2023-09-12 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ; XXXX XXXX XXXX XXXX Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: Self Financial Inc.
State: TX

Complaint narrative:
The address they have listed for account is a state office in XXXX I do not reside in XXXX they did not provide audit trail or debt validation and inaccuracies reported on consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
These inquiries have been added to my credit report without my authorization! 

CITI CARDS XXXX XX/XX/2023 SYNCB/DKS XX/XX/2023 XXXX XX/XX/2023 I disputed them with the creditors and credit bureau but they remain on my credit report!

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 2023-09-12 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 am writing to express my deep concern and dissatisfaction with TransUnion 's handling of my consumer request and their apparent disregard for federal law, specifically the Fair Credit Reporting Act ( FCRA ), as it pertains to my request for the removal of inaccurate accounts from my credit report.

The specific account I am referring to is as follows : ACCOUNT : XXXX XXXX XXXX - {$17000.00} - XX/XX/XXXX INQUIRY : XXXX XX/XX/XXXX I have repeatedly informed TransUnion that the information contained in this account is inaccurate. The character of the account is incomplete, and TransUnion continues to report a charter amount that is both incomplete and inaccurate. It is essential to emphasize that information on a consumer report must maintain maximum possible accuracy, as defined by federal law.

Accuracy, as per 15 USC 1681e ( b ), is explicitly defined as being " correct in all details ; exact. '' TransUnion 's reporting of the details of this account falls short of this standard, as they are neither correct in all details nor exact in terms of the amounts reported.

Furthermore, TransUnion is mandated by law to comply with the FCRA, as stated in 15 USC 1681. One critical provision, 15 USC 1681i, requires TransUnion to notify me of the results of any reinvestigation. However, they have failed to do so despite multiple requests.

15 USC 1681i ( 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 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : I hereby request the CFPB 's intervention in this matter to ensure that TransUnion complies with federal law. I urge you to use your authority to prompt TransUnion to : Conduct a thorough reinvestigation into the accuracy of the account in question.

Provide me with written notice of the results of this reinvestigation within the stipulated time frame.

Delete the inaccurate and incomplete account information from my consumer file as required by law.

I believe that the CFPB 's involvement is essential to rectify this situation, protect my rights as a consumer, and hold TransUnion accountable for its noncompliance with the FCRA. I appreciate your attention to this matter and look forward to a prompt resolution.

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 2023-09-12 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: Sarma
State: GA

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with XXXXXXXX XXXX handling of my consumer request and their apparent disregard for federal law, specifically the Fair Credit Reporting Act ( FCRA ), as it pertains to my request for the removal of inaccurate accounts from my credit report.

The specific account I am referring to is as follows : ACCOUNT : XXXX XXXX XXXX - {$17000.00} - XX/XX/XXXX INQUIRY : SARMA XX/XX/XXXX I have repeatedly informed XXXX that the information contained in this account is inaccurate. The character of the account is incomplete, and XXXX  continues to report a charter amount that is both incomplete and inaccurate. It is essential to emphasize that information on a consumer report must maintain maximum possible accuracy, as defined by federal law.

Accuracy, as per 15 USC 1681e ( b ), is explicitly defined as being " correct in all details ; exact. '' XXXX XXXX reporting of the details of this account falls short of this standard, as they are neither correct in all details nor exact in terms of the amounts reported.

Furthermore, XXXX  is mandated by law to comply with the FCRA, as stated in 15 USC 1681. One critical provision, 15 USC 1681i, requires XXXX  to notify me of the results of any reinvestigation. However, they have failed to do so despite multiple requests.

15 USC 1681i ( 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 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : I hereby request the CFPB 's intervention in this matter to ensure that XXXX  complies with federal law. I urge you to use your authority to prompt XXXX  to : Conduct a thorough reinvestigation into the accuracy of the account in question.

Provide me with written notice of the results of this reinvestigation within the stipulated time frame.

Delete the inaccurate and incomplete account information from my consumer file as required by law.

I believe that the CFPB 's involvement is essential to rectify this situation, protect my rights as a consumer, and hold XXXX  accountable for its noncompliance with the FCRA. I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: FL

Complaint narrative:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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