vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted XXXX, XXXX, TransUnion LLC multiple times, my Initial date of first contact XXXX XXXX follow up letter dated XX/XX/. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. 

Account:XXXX XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer.

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

15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

Account : XXXX XXXX, Account : XXXX XXXX XXXX. Both these accounts are a VIOLATION of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS.

Therefore, I request that my TRANSACTION between Myself and XXXX XXXXe XXXX, XXXX XXXX, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! On XX/XX/ I Have Filed a FTC COMPLAINT REPORT XXXX. 15 U.S. Code 1681c-2 A consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of. ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX : {$560.00XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$7400.00}.

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 explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
In accordance with fair credit reporting act this creditors has violated my right 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : its also state a consumer reporting agency con not furnish account without my written instruction. 

15 usc 1666B : a creditor may not treat a late payment on my credit card account under or open and consumer credit plan as late for any purpose

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In accordance with fair credit reporting act this creditors has violated my right 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : its also state a consumer reporting agency con not furnish account without my written instruction. 

15 usc 1666B : a creditor may not treat a late payment on my credit card account under or open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting my complain and this was my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are fraudulent that needs to be removed : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX  XXXX Bankruptcy Date XXXX ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date XXXX XXXX ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
PAY FOR DELETE REQUEST Date : XX/XX/2023 Account Number : XXXX Amount Listed : {$400.00} Dear Global Lending Services, I, XXXX XXXX XXXX am writing to offer your credit department a one-time offer to settle the alleged amount due for {$200.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. However, as I do disagree with the total amount owed, I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, XXXX, and XXXX XXXX Payment will be made to satisfy the payment made in full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 

If the items mentioned above can be met, I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. 
Feel free to contact me through one of the following : E-Mail : XXXX Phone : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite providing Experian with the FTC identity theft report, involving XXXX XXXX XXXX ; this Consumer Reporting Agency fails to comply with the law. According to 15 USC 1681c-2 , a consumer reporting agency shall BLOCK the reporting of ANY information in the file of a consumer THAT THE CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - A copy of of an identity theft report. Experian was provided this identity theft report and still has not blocked this fraudulent account.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$4800.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$4600.00}

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 2023-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: MD

Complaint narrative:
Repeatedly phone calls, uncomfortable and inappropriate calls. Inaccurate information.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Ive called XXXX wednesday letting them know that the address was incorrect and gave them the correct address the fraud department force me to give them a tax return and identification, i stated that driver license address is not current address and gave them current address i have disputed it as well, next day account frozen transunion and XXXX lock my account stating information is not matching XXXX still has not change address have wrong social security number on file still has not change it its been 3 days and its hindering my progress to build my lively hood. Below is the law they are in breach of. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive called XXXX wednesday letting them know that the address was incorrect and gave them the correct address the fraud department force me to give them a tax return and identification, i stated that driver license address is not current address and gave them current address i have disputed it as well, next day account frozen XXXX  and experian lock my account stating information is not matching XXXX still has not change address have wrong social security number on file still has not change it its been 3 days and its hindering my progress to build my lively hood. Below is the law they are in breach of. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Its bout one late payment happened last year the company never sent me a notice to my email or even at my mailing address, one morning I wake up and see my credit score dropped XXXX  points I immediately called them to resolve it and made the payment and then I thought I will get back the XXXX  points I lost, I never did, I called the company multiple times to resolve this issues, all they give me is running around its been months since Ive been dealing this problem Im losing money cant sleep Im stress out. Cant rent apartment cant get a loan its been nightmare.. any thing you guys can do to help Ill greatly appreciate it. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$23000.00}.

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 explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$23000.00}.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$23000.00}.

Company response to consumer: Closed with non-monetary relief