vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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 contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-10 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:
I am filing a formal complaint regarding unauthorized credit inquiries on my credit report by the following companies : XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX I did not authorize these inquiries nor provide written consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I requested documentation from these companies to furnish proof of my consent. They were unable to provide the necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX : XX/XX/ Consumer XXXX : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Auto loan with XXXX XXXX {$5600.00}, another autoloan with XXXX for bal. {$9500.00}, a phone line with XXXX XXXX {$1400.00}, and a lease for XXXX XXXX {$1900.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-01-10 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: IL

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$360.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXXXX/XX/2024 XXXX CARD  XX/XX/2024 XXXX  XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX CARD XX/XX/2024 XXXX CARD  XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$360.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1100.00} XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Exeter Finance LLC 1. Violations of the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) The original contract violates multiple provisions of TILA by failing to clearly and accurately disclose critical credit terms : Ambiguities in Finance Charges : The contract lists a finance charge of {$12000.00} but fails to reconcile this with the APR and repayment terms. Hidden or undisclosed fees contributing to this amount are a direct violation of TILAs requirement for transparency in credit terms ( 15 U.S.C. 1638 ).

APR Compliance : The stated APR of 25 % exceeds reasonable thresholds under state usury laws ( Ohio Revised Code 1343.01 ).

2. Deficiency Balance and Repossession Sale Violations Under the Uniform Commercial Code ( UCC 9-615 ) and Ohio repossession laws, creditors are obligated to : Conduct repossession sales in a commercially reasonable manner.

Apply sale proceeds fairly and transparently.

Improper Deficiency Calculation Your deficiency calculation shows : Proceeds from sale : {$3300.00}.

Outstanding balance : {$10000.00} ( including repossession and sale fees ).

This calculation fails to account for : Credits for unearned finance charges.

Cancelled insurance premiums.

The deficiency balance appears artificially inflated, raising concerns of predatory practices in violation of UCC standards and Ohio consumer laws.

3. Violations of the Fair Credit Reporting Act ( FCRA ) Your reporting of this account to credit bureaus reflects inaccurate and harmful information : Charge-Off and Balance Reporting : My credit report shows a charged-off balance of {$12000.00} with a past due amount of {$10000.00} as of XX/XX/year>. This conflicts with the deficiency notice and sale proceeds listed in your email, suggesting either reporting errors or misrepresentation. 
Failure to Update Account Status : The status of the account has not been updated to reflect accurate deficiency balances or resolutions.

These discrepancies violate the FCRA ( 15 U.S.C. 1681 ), which requires creditors to ensure accurate and complete reporting.

4. Late Fees and Additional Charges The imposition of late fees and other charges further violates Ohio Revised Code 1319.12, as the contract ambiguously states fees as {$20.00} or a percentage of the installment without specifying the percentage. Such ambiguous terms are unenforceable under state law. 

5. Breach of the Servicemembers Civil Relief Act ( SCRA ) Your communications explicitly recognize obligations under the SCRA, yet no evidence has been provided that repossession actions adhered to these protections. If applicable, this constitutes a further breach of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
NAVY FCU XXXX Balance {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$3100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-10 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX D.O.B XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Consumer credit reporting agency,, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, appearing on my consumer credit report were not opened, made, or initiated by me. 1. XXXX XXXX XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX 11- XXXX XXXX. XXXX XXXX 12. XXXX # XXXX XXXX 13. XXXX XXXX XXXX 14.CXXXX XXXX 15. XXXX XXXX XXXX XXXX  16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX 19. XXXX XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX 21. XXXX XXXX XXXX 22. XXXX XXXX XXXX 23.XXXX XXXXXXXX XXXX 24. XXXX XXXX 25. XXXX XXXX 26. XXXX XXXX XXXX 27. XXXX XXXX XXXX XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX XXXX All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/year> I sent a certified letter to midland credit after receiving daily repetitive harassing calls. I requested debt validation, original contract with original creditor, with my signature, my original balance without fees attached, proof of debt assignment, how they purchased the debt according to fair debt act. Chain of title they have to collect on this debt according to 15UDC 1692 G. I have not received any documents requested, only harassing repetitive calls to my home and work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is being reported as late payments on my account but the account is currently under investigation for its authentication because I am sure I am not the owner of this given account. I need the reporting to reflect such data. I need the late payments as well as the account to removed while pending its investigation. XXXX has stopped reporting but the bureaus have not updated and taken the late payment from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
XXXX is being reported as late payments on my account but the account is currently under investigation for its authentication because I am sure I am not the owner of this given account. I need the reporting to reflect such data. I need the late payments as well as the account to removed while pending its investigation. XXXX has stopped reporting but the bureaus have not updated and taken the late payment from my 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 2025-01-10 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: NV

Complaint narrative:
Due to a GOV+ data breach, XXXX XXXX data breach, and identity theft the information on my credit report is inaccuratenames and addresses. All three credit reporting agencies continue to report incorrect information. I am also fighting identity theft showing on my report with a New York address that I have never resided in this state. 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ), 15 USC 1681 S-2, 15 USC 1681 i ( 7 ), 15 USC 1692 c, 15 USC1681 B,15USC 1681 ( c ) ( c ), 15 USC 1692 J. I have written letters to all the credit bureaus and nothing has been done. I would love a resolution to these issues. The XXXX XXXX is for an account for another person that used my information and a police report will be filed in the week to come.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NV

Complaint narrative:
Due to a GOV+ data breach, XXXX XXXX data breach, and identity theft the information on my credit report is inaccuratenames and addresses. All three credit reporting agencies continue to report incorrect information. I am also fighting identity theft showing on my report with a New York address that I have never resided in this state. 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ), 15 USC 1681 S-2, 15 USC 1681 i ( 7 ), 15 USC 1692 c, 15 USC1681 B,15USC 1681 ( c ) ( c ), 15 USC 1692 J. I have written letters to all the credit bureaus and nothing has been done. I would love a resolution to these issues. The XXXX XXXX is for an account for another person that used my information and a police report will be filed in the week to come.

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 2025-01-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate and incomplete information listed on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you thoroughly investigate and remove any erroneous entries. 

Upon reviewing my credit report, I noticed that certain items are either inaccurate or incomplete. Specifically, [ mention the items in question, including account numbers, dates, or other relevant details ]. These entries do not accurately reflect my credit history due to [ mention why these items are inaccurate, incomplete, or how they are linked to a data breach ]. 

Additionally, I was affected by the [ mention the name of the breach ] data breach, which exposed my personal information to unauthorized parties. The breach involved sensitive data, including [ list the types of exposed data ]. I request that any records linked to this breach be thoroughly reviewed, corrected, or removed from my report as the entries may have been compromised. 

Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX  ) : The U.SXXXX Supreme Court held that consumers have the right to accurate and complete information in their credit reports, and if the information is inaccurate or incomplete, the credit reporting agency must correct or remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : The court ruled that under the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of the data they report, and that failure to do so could lead to the removal of inaccurate entries. 

FCRA Section 1681e ( b ) : This section mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy and completeness of the information they report. Any items that can not be verified or are proven to be inaccurate must be removed. 

I request that you provide me with written confirmation once this dispute has been resolved. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with the FCRA and remove the inaccuracies accordingly. 

Sincerely, 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 2025-01-10 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I request that the cfpb request that the following accounts be removed from my Experian credit report. For the following reasons. 
1 ) under 15 u.s.c 1681 a creditor is legally obligated to report accurate information about a consumer 's credit history to credit bureaus as mandated by the Fair Credit Reporting Act. 
2 ) each of the accounts that's within this complaint I disputed it with Experian for the inaccuracies that they was reporting to the credit bureaus. But instead of Experian removing those accounts they just updated them. 
3 ) I disputed XXXX XXXX XXXXXXXX though Experian for the inaccuracies that XXXX XXXX XXXX reported to them ( Experian ). And all Experian did was updated the recent payment {$50.00} to recent payment {$50.00} as of XX/XX/year>. Which that was still inaccurate because they reported that the last payment was {$3000.00} on XX/XX/year>. Furthermore, that information is still inaccurate because that's when XXXX XXXX XXXX resold the vehicle at auction. And that payment didn't come from the consumer. Furthermore, XXXX XXXX XXXX written it off for {$20000.00} to the IRS even though the balance was only {$16000.00}. Which that is fraud within itself. However, when they ( XXXX XXXX XXXX ) written it off to the IRS it becomes income because the consumer have to report it to IRS when they file their taxes. And income can not be reported on a consumer credit report. 
4 XXXX XXXX XXXX XXXX  ask the credit bureaus to remove their account off my credit report which XXXX did. But Experian didn't, all they did was updated it to what was the last payment was. The reason XXXX XXXX XXXX  ask to have their account removed from my credit report because it was paid in full.

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