vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and delete any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XX/XX/year>XXXX  As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted TRANSUNION several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
15 USC $ Permissible purpose of consumer reports1681b. 15 u.s.c. 1681a and 15 USC 1681.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. 


Please Delete false information from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
portofolio recovery keeps calling during the weekends, while I am at work M-F early in the morning up to late in the evening this is a daily thing with Portofolio Recovery to the point its affecting my performance at my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: MA

Complaint narrative:
Kindly examine the fraudulent and suspicious items 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 2024-12-19 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: MA

Complaint narrative:
Kindly examine the fraudulent and suspicious items 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 explanation
Consumer complaint received 2024-12-19 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: MN

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts appearing on my credit reports with XXXX, Equifax, and XXXX. These accounts were opened without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX : Account # XXXX ( XXXX ) XXXX XXXX : Account # XXXX ( All XXXX ) Despite submitting a valid identity theft affidavit from IdentityTheft.gov, the credit bureaus routinely block claims of identity theft for no valid reason. This practice blatantly disregards 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block fraudulent information when provided with an affidavit and supporting documentation. 

The continued reporting of these fraudulent accounts is unlawful and harmful. XXXX, in particular, has issued generic denials and refuses to investigate, violating 15 U.S.C. 1681i ( a ) ( 1 ), which mandates reasonable investigations into disputed information. These actions obstruct my right to accurate credit reporting and demonstrate willful noncompliance with the FCRA. 

I request immediate action to ensure these accounts are removed from my credit reports and that the credit bureaus are held accountable for their violations of federal law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: MN

Complaint narrative:
Dear CFPB, I am writing to dispute fraudulent accounts appearing on my credit reports with Experian, XXXX, and XXXX. These accounts were opened without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX : Account # XXXX ( Experian ) XXXX XXXX : Account # XXXX ( All XXXX ) Despite submitting a valid identity theft affidavit from IdentityTheft.gov, the credit bureaus routinely block claims of identity theft for no valid reason. This practice blatantly disregards 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block fraudulent information when provided with an affidavit and supporting documentation. 

The continued reporting of these fraudulent accounts is unlawful and harmful. Experian, in particular, has issued generic denials and refuses to investigate, violating 15 U.S.C. 1681i ( a ) ( 1 ), which mandates reasonable investigations into disputed information. These actions obstruct my right to accurate credit reporting and demonstrate willful noncompliance with the FCRA. 

I request immediate action to ensure these accounts are removed from my credit reports and that the credit bureaus are held accountable for their violations of federal law. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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 2024-12-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-19 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: SC

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union, XXXX, and XXXX have violated my rights. 

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 an 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 or 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 data is 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 non-monetary relief
Consumer complaint received 2024-12-19 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: SC

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX - XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$970.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Experian, and XXXX have violated my rights. 

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 an 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 or 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 data is 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXXXXXX  In response to my most recent dispute, Experian responded saying " they contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' This is FALSE! XXXX being the furnisher has affirmed ( providing correspondence ) XXXX XXXX- that upon investigating per my dispute, they have located and removed the item. 

This willful non-compliance is causing harm to my credit worthiness due to inaccurate reporting. 15 U.S.. 1681n. 

15U.S.C.1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a CONSUMER, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I have been damaged as a result of your failure to follow the law I am requesting the DELETION of the UNVERIFIED item- Bankruptcy case # : 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 2024-12-19 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: WI

Complaint narrative:
Experian continues to report inaccurate information on my report. I have contacted them several times and they continue to send me pre generated emails claiming that the requests are not coming from me.

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 2024-12-19 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: GA

Complaint narrative:
Hello, I would like to request an investigation into these accounts, as there seems to be a misunderstanding about their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not informed of their reinstatement, nor have I received any correspondence regarding this matter by mail.

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 2024-12-19 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:
Discovering inaccurate accounts on my credit report has been an absolute shock, especially knowing how much theyve damaged my credit score. Its frustrating to think that Ive been declined opportunities because of something that doesnt even belong to me.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2024-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: FL

Complaint narrative:
The company Americollect has now called me from 6 separate state numbers. 
They have called me from Texas, Pennsylvania, Ohio, New Jersey, Montana, and California. I have never resided in any of these states. I can understand calling from a number thats familiar to my hometown, however its excessive to call from SEVERAL DIFFERENT STATES. It seems almost predatory to call the debt owners using out of state numbers. I will handle what I owe with the company, however I would like to make it known. CALLING FROM 6 DIFFERENT STATE NUMBERS feels like harassment at this point.

Company response to consumer: Closed with explanation