vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-05-08 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I applied for a car and only gave the dealership authorization to run my credit once. Instead they ran it XXXX  times. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed 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 explanation
Consumer complaint received 2024-05-08 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: WI

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX **** XXXX XXXX XXXX account number XXXX **** XXXX XXXX account number XXXX **** XXXX XXXX account number XXXX **** XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX account number XXXX **** XXXX XXXX XXXX original creditor XXXX XXXX XXXX account number XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX  XXXX account number XXXX XXXX XXXX  ( original creditor XXXX XXXX XXXX XXXX XXXX ) account number XXXX **** XXXX XXXX  ( original creditor XXXX XXXX XXXX ) account number XXXX **** XXXX XXXX XXXX  XXXX original creditor XXXX XXXX XXXX ) account number XXXX **** XXXX XXXX  ( original creditor XXXX XXXX  XXXX  XXXX WI ) account number XXXX ** XXXX XXXX account number XXXX **** XXXX  account number XXXX ** XXXX XXXX account number XXXX XXXX  XXXX account number XXXX **** XXXX account number XXXX **** XXXX account number XXXX **** XXXX XXXX  account number XXXX **** XXXX XXXX account number XXXX **** XXXX  XXXX account number XXXX **** I looked at my XXXX credit report on XX/XX/scrub> 2024, and notice some things are incomplete or not accurate. And According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) treatments of inaccurate or in 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 results of the reinvestigation and ; ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681S-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I applied for a car and only gave the dealership authorization to run my credit once. Instead they ran it multiple times. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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 am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I request the deletion of the 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

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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with THE TRANSWORLD SYSTEM INC/ This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify TRANSWORLD SYSTEM INC/ and tell them the debt is the result of identity theft.

AS TOLD PREVIOUSLY IM A VICTIM OF IDENTITY THEFT THIS ACCOUNT WAS OPENED AS RESULT TO THAT. FURTHER MORE SINCE THE DEBT WAS SOLD I HAVE NO CONTRACT OR LEGAL BINDING WITH YOUR COLKECTION AGENCY MEANING I OWN NOTHING, AND YOUR COLLECTION IS NOT License to even collect in the state of California.

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : * Account applications made on paper, online, or by telephone * Account statements or invoices * Records of payment or charge slips * Delivery addresses associated with the account * Records of phone numbers used to activate or access the account * Signatures on applications and accounts * Investigators report Please send me a letter explaining what you have done to : * Inform [ business where the account was opened ] that the debt is the result of identity theft * Stop collection proceedings against me * Stop reporting information about the debt to credit reporting companies * Provide me with the records I request Thank you for your cooperation.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Balance : {$6800.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Balance : {$4200.00}

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 2024-05-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Balance : {$6800.00} Account Name : XXXX XXXX XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Account Balance : {$4200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: WI

Complaint narrative:
Did not consent to unauthorized items the items was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. 
Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 explanation
Consumer complaint received 2024-05-08 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: MI

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX  XXXX Balance Owed : {$600.00}

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 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: NC

Complaint narrative:
On or before XXXX I spoke to the rental office a multitude of times without confirmation of what they wanted to do with my unit in regards the new tenants moving on to the property. I sent an email message to XXXX XXXX the regional director about not receiving my new lease. I was told by the rental office that, they would get back to me regarding my new lease. Though I followed up with them they never gave me a confirmation on signing the new lease. I finally got in touch with the Regional Manager who in turn followed up with me the day of or before the actual confirmation I had to move out. They knocked on my door and said I had to move in XXXX weeks. I explained if I had to move out on such short notice then I would have to use the rent money for a another apartment. I spoke to XXXX XXXX XXXX at great length about the situation. Upon, reaching an agreement that I would move out immediately that I could use the rent money to move into another place, so as long I was off their premises by the XXXX. I have the emails to back the fact up that it was understood that I would move first and foremost. Especially, because it was short notice and they didn't give me confirmation until they knew how many new residents they were getting. Which the amount of residents did affect their decision. They also had me under XXXX leases for the unit in my name which fluctuated more than XXXX every month some times XXXX. I left with them understanding that my priority was to have a place to live and there's was getting their keys back which I gave them. I definitely feel they manipulated the situation by not being straight forward and also very indifferent and nonchalant on confirming I had to move. The takeaway the short notice made a hardship for my livelihood after living their XXXX years I wasn't treated very nice nor my neighbors we all have similar stories of being overcharged under surved with an indifferent staff.

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 2024-05-08 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 hope this message finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite our prior correspondence and my persistent efforts, it seems that the fraudulent items have not yet been removed. 

As I have emphasized before, the presence of these fraudulent entries on my credit file is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and restore the accuracy and integrity of my credit report. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, CA 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 2024-05-08 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:
I hope this message finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite our prior correspondence and my persistent efforts, it seems that the fraudulent items have not yet been removed. 

As I have emphasized before, the presence of these fraudulent entries on my credit file is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and restore the accuracy and integrity of my credit report. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$660.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, CA 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