vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: CO

Complaint narrative:
A complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information includes accounts at Target, XXXX XXXX XXXX, XXXX and XXXX and XXXX which I did not authorize, open, make, or initiate in any way. The details of the fraudulent information are as follows : Target Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXX Auto Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX and XXXX and XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX. These accounts are the result of identity theft and fraud, and I have attached a copy of my FTC Identity Theft Report to verify that this is a case of fraud. I do not recognize these accounts, nor was it opened, made, or initiated by me in any capacity. The fraudulent entry is affecting my credit report, and I request the immediate removal of this item. Furthermore, in support of my rights under the FCRA, I reference the following court cases : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirmed the consumer 's right to dispute and have inaccurate or fraudulent information corrected or removed from their credit report under the FCRA. XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must maintain procedures to ensure the accuracy and integrity of the information on consumers credit reports, particularly in cases of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that the FCRA requires credit bureaus to conduct reasonable investigations and promptly correct inaccuracies when consumers report fraudulent information on their credit reports. These cases establish my right to a fair and accurate credit report and affirm the duty of TransUnion to act promptly in removing fraudulent information. Additionally, I have provided a copy of my current consumer XXXX credit report showing this fraudulent account, along with the FTC Identity Theft Report as confirmation.

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 2024-11-18 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: CO

Complaint narrative:
A complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, Equifax and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information includes accounts at Target, XXXX XXXX XXXX, XXXX and XXXX and XXXX which I did not authorize, open, make, or initiate in any way. The details of the fraudulent information are as follows : Target Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXX Auto Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX and XXXX and XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX. These accounts are the result of identity theft and fraud, and I have attached a copy of my FTC Identity Theft Report to verify that this is a case of fraud. I do not recognize these accounts, nor was it opened, made, or initiated by me in any capacity. The fraudulent entry is affecting my credit report, and I request the immediate removal of this item. Furthermore, in support of my rights under the FCRA, I reference the following court cases : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirmed the consumer 's right to dispute and have inaccurate or fraudulent information corrected or removed from their credit report under the FCRA. XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must maintain procedures to ensure the accuracy and integrity of the information on consumers credit reports, particularly in cases of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that the FCRA requires credit bureaus to conduct reasonable investigations and promptly correct inaccuracies when consumers report fraudulent information on their credit reports. These cases establish my right to a fair and accurate credit report and affirm the duty of XXXX to act promptly in removing fraudulent information. Additionally, I have provided a copy of my current consumer XXXX credit report showing this fraudulent account, along with the FTC Identity Theft Report as confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
As a consumer, I RECENTLY requested that several times that certain inaccurate and erroneous items be removed from my credit report. these items were shared without WRITTEN CONSENT PURSUANT TO 15 USC 1681 ( B ) PERMISSABLE PURPOSES FOR WHICH CONSUMER CREDIT REPORTS CAN BE ACCESSED BY THIRD PARIES ; THAT WERE DAMAGING MY CREDIT SCORE, STANDING, AND REPUTATION FOR YEARS. I have requested over and over for these items to be removed, due to certain items being inaccurate, but for years now, all 3 Credit Reporting Agencies have failed to do so and has left my reputation in dishonor. All of the disputed Items '' have come back verified '', but AS A CONSUMER I DEMAND TO KNOW ALL OF THE STEPS TO ENSURE THESE ITEMS WERE 100 % ACCURATE. UNDER 15 USC ss 1681i ( 7 ) METHOD OF VERIFICATION- DESCRIPTION OF INVESTIGATION PROCEDURE. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, by not later than 15 days after receiving a request from the consumer for that description. Please send the following information used to validate the items below, A COPY OF THE CONTRACT INCLUING ALL ORIGINAL SIGNATURES ON BOTH PARTIES TO EACH CONTRACT, A TRUE BILL FROM THE CREDITOR SHOWING BOTH ENDS OF THE LEDGER EVERY TRANSACTION, THE LETTER I PERSONALLY SIGNED AND GAVE CONSENT FOR ANY OF THIS INFORMATION TO EVEN BE FURNISHED ON MY CREDIT REPORT TO BEGIN WITH, OR otherwise delete them immediately, XXXX XXXX THE BUREAUS INC PARTIAL ACCOUNT # XXXX $ XXXX THE INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY THE XXXX XXXX PARTIAL ACCOUNT # XXXX {$490.00} THE INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY XXXX XXXX $ XXXX THIS INFORMATION IS INCORRECT AND DOES NOT BELONG TO ME PLEASE REMOVE IT IMMEDIATELY REMOVE ALL OF THE ADRESSES BELOW FROM MY CREDIT REPORT THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX MI XXXX NOT MY ADRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX  XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX IS NOT MY NAME REMOVE IT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: FL

Complaint narrative:
XXXX XXXX sold the contract to XXXX XXXX XXXX after they take over transition the system never work properly again after multiple attempt they never fix the problem XXXX XXXX fail to provide me a safety service my alarm when off and did not transmit called XXXX  to informed and they never was able to fix the Problem forcing me to go to a different company my last balance was about XXXX dollars they continue charging with out providing a service now they are attempting to collect {$1000.00} dollars debt

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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 have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXXXXXX balance {$8600.00}, XXXX XXXX balance {$11000.00}, XXXX XXXX balance {$1000.00}, XXXXXXXX XXXX XXXX XXXX balance {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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 have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXXXXXX balance {$8600.00}, XXXX XXXX balance {$11000.00}, XXXX XXXX balance {$1000.00}, XXXXXXXX XXXX XXXX XXXX  balance {$0.00}.

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 2024-11-18 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT 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 2024-11-18 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:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts. 
ACCOUNT NAME : Conserve DATE OPENED : XX/XX/scrub>XX/XX/XXXXThese accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 explanation
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
I am filing a formal complaint against XXXX and XXXX for failing to correct clear inaccuracies in my credit report despite multiple attempts to resolve the matter directly with them. 
Transunion : Incorrectly reports 30-day late payment on my account. 
XXXX : Incorrectly reports a 30-day late payment on my account. 
XXXX : Incorrectly reports a 60-day late payment on my account. 
These late payments are false. I have provided supporting documentation, including screenshot statements, proving that all late payments were inaccurate. The credit bureaus have failed to correct this information, which is damaging my credit score and violating my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that my report be accurate and complete. 

I demand that the CFPB intervene and ensure that XXXX and XXXX : Correct these errors immediately and update my reports to reflect that these accounts were paid on time, never late. 
Provide me with written confirmation of the corrections. 
If this matter is not resolved swiftly, I will pursue further legal action. Please investigate and ensure compliance with the law.

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 2024-11-18 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: IL

Complaint narrative:
I am filing a formal complaint against Equifax and XXXX for failing to correct clear inaccuracies in my credit report despite multiple attempts to resolve the matter directly with them. 
XXXX : Incorrectly reports 30-day late payment on my account. 
XXXX : Incorrectly reports a 30-day late payment on my account. 
Equifax : Incorrectly reports a 60-day late payment on my account. 
These late payments are false. I have provided supporting documentation, including screenshot statements, proving that all late payments were inaccurate. The credit bureaus have failed to correct this information, which is damaging my credit score and violating my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that my report be accurate and complete. 

I demand that the CFPB intervene and ensure that Equifax and XXXX : Correct these errors immediately and update my reports to reflect that these accounts were paid on time, never late. 
Provide me with written confirmation of the corrections. 
If this matter is not resolved swiftly, I will pursue further legal action. Please investigate and ensure compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: ID Analytics, Inc.
State: TN

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: MN

Complaint narrative:
I am currently in the process of repairing my credit, and in order to protect my personal and financial information, I would greatly appreciate it if you could place a freeze on my credit report until further notice. As I work with a credit repair service, freezing my credit report will help prevent any unauthorized access and ensure that no new credit inquiries or accounts are opened during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TN

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 explanation