vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I logged into XXXX to dispute Collection accounts from third party collection agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I disputed the validation of these collection accounts. I wrote in every dispute " This company has not provided any documentation or proof of this alleged debt, please delete off my credit report ''. 

On XX/XX/XXXX I started receiving updates to these disputes claiming " has not been changed and will remain on your credit ''. 

I then disputed every single collection again from all credit agencies listed above with " If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection. If you can not provide this, please delete immediately. 

I started receiving dispute updates with these accounts on the XXXX XXXX XXXX claiming again that it is valid and will remain on my credit report. 

I still have not been provided proof of how these accounts are verified valid, nor have I received any purchase agreements, nor my original signature authorizing said collection agencies to collect said debts. 

The above listed collection agencies have also been calling me non stop. I have asked above collection agencies to stop contacing me through phone and please do so through the mail. If said collection agencies can not provide validation, with an original ( not photo copied ) signature the said debt is null and void under 15 US Code 1692c, 1692g, 1681e etc.

My next step is to write each above collection agency and serve them with a Cease and Desist letter, also including harassment and violation of my consumer rights. Under the FCRA Section 605b it is illegal to report anything without my permission.

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 2025-01-06 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: WA

Complaint narrative:
On XX/XX/XXXX I logged into XXXX to dispute Collection accounts from third party collection agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I disputed the validation of these collection accounts. I wrote in every dispute " This company has not provided any documentation or proof of this alleged debt, please delete off my credit report ''. 

On XX/XX/XXXX I started receiving updates to these disputes claiming " has not been changed and will remain on your credit ''. 

I then disputed every single collection again from all credit agencies listed above with " If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection. If you can not provide this, please delete immediately. 

I started receiving dispute updates with these accounts on the XXXXXXXX XXXX XXXX  claiming again that it is valid and will remain on my credit report. 

I still have not been provided proof of how these accounts are verified valid, nor have I received any purchase agreements, nor my original signature authorizing said collection agencies to collect said debts. 

The above listed collection agencies have also been calling me non stop. I have asked above collection agencies to stop contacing me through phone and please do so through the mail. If said collection agencies can not provide validation, with an original ( not photo copied ) signature the said debt is null and void under 15 US Code 1692c, 1692g, 1681e etc.

My next step is to write each above collection agency and serve them with a Cease and Desist letter, also including harassment and violation of my consumer rights. Under the FCRA Section 605b it is illegal to report anything without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2025-01-06 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:
My name is XXXX XXXX XXXX and upon looking at my credit report I saw that this company national XXXX XXXX put an account on my Credit Report Account # XXXX with a balance of {$430.00} They have contacted me through email which is a violation of the FCRA my rights 15 U.S. 1692 ( YOU HAVE A RIGHT TO PRIVACY ). I have never agreed to do any business with National Credit Adjusters, nor have I signed a contract to do any business or service with your company. I'm a Victim of Identity Theft and I have included it with this complaint with Your name XXXX XXXX XXXX and Account # XXXX. I ask that you send me a copy of the purchase agreement and that you also Cease and Desist all Collections on this XXXX and that you it be Deleted from all Reporting Agencies and Credit Bureaus XXXX XXXX XXXX XXXX TransUnion and XXXX and XXXX XXXX too Thanks. 

Sincerely, 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 2025-01-06 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX and upon looking at my credit report I saw that this company national XXXX XXXX put an account on my Credit Report Account # XXXX with a balance of {$430.00} They have contacted me through email which is a violation of the FCRA my rights 15 U.S. 1692 ( YOU HAVE A RIGHT TO PRIVACY ). I have never agreed to do any business with National Credit Adjusters, nor have I signed a contract to do any business or service with your company. I'm a Victim of Identity Theft and I have included it with this complaint with Your name XXXX XXXX XXXX and Account # XXXX. I ask that you send me a copy of the purchase agreement and that you also Cease and Desist all Collections on this XXXX and that you it be Deleted from all Reporting Agencies and Credit Bureaus XXXX XXXX Experian XXXX XXXX and XXXX and XXXX XXXX too Thanks. 

Sincerely, 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 2025-01-06 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: OH

Complaint narrative:
I request that these inquiries be removed from my credit report, as it is negatively impacting my loan applications and ability to obtain credit. Please also provide any documentation related to the removal of this inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: OH

Complaint narrative:
I request that these inquiries be removed from my credit report, as it is negatively impacting my loan applications and ability to obtain credit. Please also provide any documentation related to the removal of this inquiries. 
XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly.

15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the accuracy of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data.

15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues.

15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
The total balance of the loan was {$870.00} Loan ID : XXXX XXXX XXXX XXXX  has inaccurate information reporting and was never given permission to report any information. The account is stating that I was 30-59 Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/XXXXXXXX 


The accounting balance Histories provided to experian by Affirm via XXXXXXXX XXXX  is inaccurate from whats provided within my payment history on the account. There are several extra payments via my portal and these payments should have been allocated as regualr monthly payments. 

This account was last disputed on XX/XX/XXXX to XXXX. Previously Affirm was contacted via phone in XX/XX/XXXX regarding the inaccurate informatin. 

The loan verfication document never mentions late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

violation of 15 U.S. Code 1666 ( b ) billing error Please remove the following items from my credit report, immediately : XXXX XXXX XXXX {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX [ this account is settled and paid ] XXXX {$3800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXXXXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Original Creditor : THE XXXX XXXX {$4500.00} Account info Account XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXXS {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX COMMUNICATIONS XXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX 2024

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 2025-01-06 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: TX

Complaint narrative:
According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX. ) XXXX XXXX XXXX {$290.00} XXXX. ) XXXX XXXXXXXX XXXX XXXX {$310.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 15 U.S.C 1681XXXX PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: OR

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. 
Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX reported # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Has 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 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 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 2025-01-06 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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