vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required XXXX report to the XXXX XXXX XXXX regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: OH

Complaint narrative:
I recently reviewed my TransUnion credit report on XX/XX/2024, and identified several items that violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been reported inaccurately and/or without proper authorization. Therefore, I am requesting the immediate removal of these accounts from my credit report : XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX , Account # XXXX XXXX, Account XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681 ( i ) ( 5 ), when information is found to be inaccurate or incomplete or can not be verified during a reinvestigation, the consumer reporting agency must promptly delete or modify that item and notify the furnisher of the information.

Moreover, according to 15 USC 1681s-2, furnishers of information are prohibited from providing information to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate.

Given these provisions, I am requesting that TransUnion promptly delete the above-listed items from my credit report. Failure to comply with this request may result in further actions to ensure my rights are protected.

Please confirm in writing that these items have been removed or corrected as appropriate.

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 2024-05-28 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:
Transunion, XXXX, & XXXX continue to report a child support collection without providing me with the documentation or the persons name who they spoke with that verified this information. I contacted the child support office and they stated that did not report this account with either consumer agency and it is widely known that each consumer agency sells consumers data for profits to solicit business from other companies this is illegal because they do not have my consent and by reporting this information it is causing me to be denied credit which is a violation of my consumer rights.

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 2024-05-28 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: NY

Complaint narrative:
I am writing again to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts. Following this submission, XXXX and XXXX have removed these accounts from their records. 

I have also directly contacted the company associated with these accounts, and they have confirmed its removal. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, in line with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2024-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I received a vanilla gift card for {$500.00} on XX/XX/year>. I was unable to use the card at any merchants because they all required a ZIP Code. When I called vanilla gift card in order to register my card, I was not able to add an address as they stated because it was a gift card it is anonymous and address can not be added. When I explained that I could not use the card since it was an anonymous at any merchants, they agreed to refund me if I sent photos of the front and back of the card along with a refund request number which they provided me ( XXXX ) and a letter explaining everything. I sent all of this on XX/XX/year> and received an email back stating that I receive a refund delivered to my address in 7 to 10 days. When I called to follow up after not receiving anything on XX/XX/year>, I was informed that they had not received any of the documents. I reproduced the email which I sent to the correct email address, which I verified with them and resent all of the documents again. I again never heard back. I called on XX/XX/year> and was informed again that they had not received my documents and resent all of the documents again on XX/XX/XXXX, XXXX after not hearing from from anyone regarding my refund. I was informed that my case was being escalated and I would hear from someone within 24 to 48 hours. On XX/XX/XXXX, I called again and informed them that no one had returned my call. They again promised me that I would hear from someone at the latest by XX/XX/XXXX. Again, I never heard back from anyone so I called once again on XX/XX/XXXX today again and I was told that there was nothing they could do and I would just have to wait to get a refund or hear from anyone. They gave me a new case number for a callback, which is XXXX. Its clear this is a scam and they have no intention of refunding me. The company is Vanilla Gift and the cards are through incomm. There are numerous customers online on XXXX etc who complain about the same issues with Vanilla Gift cards and InComm. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
Under the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy its been over 30 days with the dispute they have Violated my rights and I would like these deleted. I advised you that I did not give the company authorization to pull my credit report, but they have verified it. 
My rights have already been violated please help me remove these inquiries. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 
XXXX | XX/XX/2023 : Account number : N/A, How did you verify this account. I see this account is still not remove. Please delete. 
XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 
XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
I am writing to express my profound dissatisfaction and disappointment with your bureau 's handling of my identity theft complaints. This situation involves not only the theft of my personal data but also underscores your bureau 's indifferent approach to addressing my case.

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of these actions. Despite the seriousness of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding the status of my disputes has been minimal, and the responses I have received have been generic and unhelpful.

This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I trusted to protect my credit and financial well-being.

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you take measures to prevent such incidents in the future, as my personal information was clearly mishandled and abused. 

XXXX XXXX XXXX and XXXX XXXX Bankruptcy-dismissed Reference : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX : {$1300.00}

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 2024-05-28 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: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately XXXX XXXX XXXX XXXXXXXX

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 2024-05-28 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 2024-05-28 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: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX  TX XXXX. There are several names and name variations on my consumer file and addresses as well. I dont give LexisNexis permission to report anything other that what I have stated. 
LexisNexis keeps stalling by stating they can not confirm my identity but I have attached my identity to each complaint. This is your 7 day notice to comply with this notice or consider this your legal notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX, Equifax, XXXX XX/XX/year> This letter is a formal complaint that you are reporting to my consumer report Fraudulently. 

According to the TRUTH IN LENDING ACT ( TILA ) 15 U. S. Code 1637 ( b ) ( 2 ) ( a ), It is a fact, I the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the companies listed below that I received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence, Until U. S. CODE 1666 ( b ) ( 2 ). I the consumer is aware documentary evidence pursuant to 15 U. S. Code 44 includes all documents, papers, correspondence, book of account, financial and corporate records which involves all derives, assignees, hypothecations in connection with my all caps name. I demand to see verifiable proof of who you spoke to, date, conversation and written letter from the company you spoke to. I require this clarification in order to address the billing error for these accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX : {$26000.00}

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 2024-05-28 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX : {$26000.00}

Company response to consumer: Closed with explanation