vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$410.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} XXXX XXXX {$6700.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Auto ) 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 2024-11-13 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXXXXXX XXXX XXXX XXXX {$410.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} XXXX XXXX {$6700.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Auto ) 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 2024-11-13 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$2100.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$360.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$700.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$450.00} XXXX - XXXX - XX/XX/XXXX - {$820.00}

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 2024-11-13 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: NE

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
XX/XX/XXXX MY STRAWMAN NAME READS : XXXX XXXX XXXX MY STRAWMAN ADDRESS READS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My First & Last MIDDLE name are as follows : : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER XXXX WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES ALIAS THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORM! 
AFFIANT .XXXX XXXX XXXX. Beneficiary OF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE

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 2024-11-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have been trying to improve my credit and have worked with XXXX XXXX previously this year and now have been using XXXX XXXX to remove inacuracies. There are XXXX lines of collection accounts I have disputed with XXXX and XXXX directly along with XXXX XXXX on all 3 collections that are all from Midland Credit Management. I have requuested documentation and proof of debt on these collection accounts or that they were associated to me, each time each of the 3 collections are always updated saying consumer disputes and they verified information, but I never receive proof or information on the debt. They have never verified any infomration with me. I have never received anything from Midland Credit Management physically showing what it is they are trying to collect for. They also keep reporting all XXXX with new dates opened as if they are new. They will not send me proof of the debt. I have disputed as many times as I can through XXXX and XXXX, I can not dispute any more the information below is all I have from the credit reports. I have been disputing and requesting documentation from the beginning of this year XXXXIt has been way over 30 days for them to respond to anything. XXXX, XXXX, XX/XX/year> were the most recent disputes to no avail. 
XXXX ) {$1000.00} Midland Credit Management XXXX ) {$1500.00} Midland Credit management XXXX ) {$4200.00} midland Credit Management I am requesting they remove these line items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I was wrongly charged by Apple for in-app purchases that I did not make. I opened disputes and Apple returned some transactions and others not, showing a total lack of standardization of decisions. I contacted Apple 's credit card at Goldman Sachs to dispute the transactions that Apple did not return. I was surprised by the difficulty they impose on me to open the dispute and soon after opening it, they canceled my credit card saying that it was within the terms just because I opened the dispute, which is my consumer right. It took a long time and now they got back to me, with difficulty again, saying that the charge was authorized by me, even though my credit card had been locked in my wallet for a long time, even before the charges started, because I did not use this card frequently. I opened complaints in the meantime that were not resolved, showing that this institution lacks auditing. There is also a lack of auditing to standardize decisions. The total that is being unfairly charged is US {$4500.00}, which I hope will be returned without me having to take legal action. Closed my account impact in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

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 personal credit card account opened at XXXX Card on XX/XX/XXXX under the account number XXXX, another personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and lastly a personal credit account opened at XXXX XXXX. on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 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 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am reaching out as a victim of identity theft and to dispute all accounts that has been fraudulently opened in my name. This account is not mine, and I am requesting that it be promptly removed from my credit report. I was XXXX Unfortunately in XXXX to XXXX, & my purse with all my personal information was stolen while I was Away & Came Home With My Credit being Used & Stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

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 XXXX, transunion XXXX XXXX to reinvestigate these accounts, 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. 

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 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-13 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: TX

Complaint narrative:
Ive found unauthorized hard inquiries on my report, which shouldnt be there under 15 USC 1681b ( c ) ( 2 ). These entries are harming my credit. Please delete them.

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