vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: The Aligned Company DBA Extra
State: TX

Complaint narrative:
RE : XXXX ; XXXX, Extra ; Account # XXXX Per the FCRA, as a federally protected consumer I have never received notice nor any disclosure to opt out per 15 USC 6802. 

Also, as a federally protected consumer I have never received any disclosure on XXXX, XXXX nor EXTRA privacy policy disclosing of the sharing of any private and personal information per 15 USC 6803. 

Furthermore, Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you whether written, unwritten, verbal, and non-verbal per the rule making of 15 USC 6804 and the enforcement per 15 USC 6805. 

Per the privacy act of 1974, the financial institution EXTRA violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. I am demanding that each party included in this letter provide proof of this authorization to have and share my information. The credit agencies keep stating the bank gave them authorization to have information, but my institution says they dont give it to non-affiliates. 

Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed reflect all payments made on time to be accurate. Per the FCRA a report containing information between a consumer and the person making the report is excluded per 15 USC 1681a ( 2 ) ( A ) ( i ) I am seeking compensation for these violations and damage that has caused me great hardship in life and for the account to be updated as paid as agreed. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX  TransUnion received my certified letter from me asking them to update inaccurate information on my credit report. Previously TransUnion responded to me in XXXX that the account information reported regarding XXXX XXXX was accurate and verified which is COMPLETELY false I have proof from XXXX XXXX that the account tied to my name is closed and paid in full with no balance owed. TransUnion failed to conduct a proper investigation & respond within 30 days of receiving original complaint and within 30 days of receiving my certified letter in the mail, TransUnion has went over the extended time period to conduct an investigation into a dispute being that 30 day period started when I originally submitted my complaint in XXXX which is 60 days over the allowed time period, TransUnion has went over the extend time period allowed to conduct an investigation from the date of receiving my letter which was XX/XX/, today it is XX/XX/XXXX  and that is 35 days past the time period the law allows. By failing to abide by these FCRA federally protected laws, TransUnion & XXXX is in violation of the FAIR CREDIT REPORTING ACT. This will be my last complaint/letter attempting to rectify the inaccurate information of TransUnion fails to comply with the FCRA within 2 days after receiving this complaint, the credit bureau will be held liable to for statutory damages up to {$1000.00} per violation. The law states if the credit reporting agency does not conduct a proper ingestion within 30 days the account must be DELETED from my credit report, the law also states if the credit reporting agency doesnt respond to my certified dispute letter within 30 days of receiving the letter the account in dispute must be DELETED from my credit report. I am a human and I will no longer accept computer generated responses. I will be taking this matter to Civil court against TransUnion & XXXX XXXX for violation FCRA & violating contract agreement. 
I will also provide documentation supporting my claim such as my most recent billing statement from XXXX XXXX as well as my settlement agreement contact with XXXX XXXX, I will also be providing proof of my certified letter sent to TransUnion that TransUnion failed to respond to and conduct a proper investigation of. 

Account : XXXX XXXX XXXX account number 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am dissatisfied with their investigation due to the mismatched information in their reports. The reported entries on my files were not confirmed to be verified, and they have already closed my previously filed complaints after they presented me their invalid records.

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 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
Suttell & Hammer claim they have legal authority to sue me for XXXX XXXX, but they have never produced any validation documents as requested several times. They filed a lawsuit in XXXX XXXX where I do not live and they claimed they are XXXX 's attorney, then admitted they are a debt collector. 

I sent them another request below on XXXX and I have not received a response. 

XX/XX/2023 Sent via Certified Mail w/Return Green Card # XXXX XXXX XXXX XXXX XXXX SUTTELL AND HAMMER XXXX XXXX XXXX XXXX XXXX WA XXXX Dear Sir/Madam, This letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq., that your claim is disputed, and validation is requested.

This is not a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I am giving you permission to send me validation to my address listed above.

Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you specifically calculated the entire amount of what you say I owe. 
Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. 
Identify the ORIGINAL creditor. 
If you purchased this alleged account, identify the SELLER, you purchased it from and ALL PREVIOUS OWNERS. 
Provide me with a copy of ANY judgment you say gives you the right to collect anything from me. 
Provide me with ANY documentation which establishes your legal standing to collect anything from me. 
If your offices are able to provide the proper documentation as requested, I will require at least 30 days after receipt to investigate this information and during such time all collection activity must cease. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files with the credit reporting agencies and a copy of such deletion request shall be sent to me immediately. Until proper validation is provided you are to cease all collection efforts.

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 2023-12-13 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on my dispute regarding hard inquiries on my credit report, which were conducted without my explicit consent. Following a comprehensive review of my credit file, I uncovered several unauthorized inquiries into my credit history, resulting in hard inquiry entries on my Equifax credit report, as detailed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
In XXXX, I notified Vanilla Gift Cards that XXXX {$500.00} cards I had purchased at XXXX XXXX  XXXX, MN, had been tampered with and were unusable due to fraudulent activity. I sent documentation of my purchase and of the scratched off security codes on the cards and requested replacement. Initially, they sent XXXX {$500.00} replacement and XXXX {$0.00} replacement cards. I called and emailed several times about the mistake and each time I was told theyd erred and would send the XXXX remaining replacement cards. Nearly XXXX months later, I am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: FL

Complaint narrative:
I noticed that on XX/XX/23, there was hard inquiries made to MY CONSUMER report without my consent from either XXXX or XXXXXXXX XXXX XXXX XXXX. I first noticed the inquiry on XXXX, and have since filed a CFPB report, FTC report and Identity theft report against XXXX and TRANSUNION AS requested. Now, I see this is also on MY TRANSUNION report. All unauthorized and adverse actions taken against me by all 4 companies is given a pattern of unfair business practices and racketeering against me the CONSUMER that the consumer report relates too. None of these companies have validated or verified any information with or for me.

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 2023-12-13 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: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX # XXXX  was removed from XXXX. Transunion and XXXX keeps reporting this account to my credit profile.

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 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-12-13 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: IL

Complaint narrative:
I'm reaching out to report that I've fallen victim to identity theft. After carefully examining my credit report, I've uncovered fraudulent transactions that I had no involvement in. I understand that consumer reporting agencies are responsible for maintaining the utmost accuracy of my credit report. The inclusion of these accounts undermines the integrity of my report and infringes upon my consumer right to privacy. I kindly request your assistance in promptly removing the specified accounts and associated documents from my report, as mandated by the Fair Credit Reporting Act, within a four-business-day timeframe. Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to dispute a couple of accounts that include inaccurate information and keep getting these emails from Experian refusing to investigate because they're saying the dispute is not coming from me. I have provided all of my information including my name, address, social, date of birth, and the account information. I'm not sure what else I'm supposed to do! They gave me a number to call which is just a recorded message that loops round and round. I jumped on XXXX to find a solution and read that Experian does this to prevent consumers from disputing things on their credit reports. That's what lead me to the CFPB website because I was told that these actions were illegal and violating my rights and that filing a complaint against them XXXX help me get them to investigate my disputes. I have XXXX collection accounts that I did not recognize on my report and and contacted the collection company, XXXX XXXX letting them know that I did not recognize or know about these accounts and they could not provide me with any information about them, if they belonged to me or, had any documentation about the debts they could provide. I then let Experian know that these debts are unfounded and there is not evidence they belong to me according to the collector and they just ignored me. I then pointed out that they're not even reporting correct and that's when they started sending me these emails refusing to investigate it. From what I've read online Experian is maliciously refusing to remove these accounts from my report because they get paid to report negative items on credit reports. Hopefully the CFPB can do something about it because they shouldn't be able to hurt people like this.

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 2023-12-13 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: NC

Complaint narrative:
Hello, after looking over my credit report I am upset. All these inquires where not permitted by me. Not only are they incorrect, by them reporting and being visable this is commiting aggravated identity theft. These are unathorized and were not verified by me. I have called the credit bureaus send over XXXX letters. Please remove these inquires.

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 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2023 TransUnion received my certified letter from me asking them to update inaccurate information on my credit report. Previously TransUnion responded to me in XXXX that the account information reported regarding XXXX XXXX was accurate and verified which is COMPLETELY false I have proof from XXXX XXXX that the account tied to my name is closed and paid in full with no balance owed. TransUnion failed to conduct a proper investigation & respond within 30 days of receiving original complaint and within 30 days of receiving my certified letter in the mail, TransUnion has went over the extended time period to conduct an investigation into a dispute being that 30 day period started when I originally submitted my complaint in XXXX which is 60 days over the allowed time period, TransUnion has went over the extend time period allowed to conduct an investigation from the date of receiving my letter which was XX/XX/2023, today it is XX/XX/2023 and that is 35 days past the time period the law allows. By failing to abide by these FCRA federally protected laws, TransUnion & XXXX is in violation of the FAIR CREDIT REPORTING ACT. This will be my last complaint/letter attempting to rectify the inaccurate information of TransUnion fails to comply with the FCRA within 2 days after receiving this complaint, the credit bureau will be held liable to for statutory damages up to {$1000.00} per violation. The law states if the credit reporting agency does not conduct a proper ingestion within 30 days the account must be DELETED from my credit report, the law also states if the credit reporting agency doesnt respond to my certified dispute letter within 30 days of receiving the letter the account in dispute must be DELETED from my credit report. I am a human and I will no longer accept computer generated responses. I will be taking this matter to Civil court against TransUnion & XXXX XXXX for violation FCRA & violating contract agreement. 
I will also provide documentation supporting my claim such as my most recent billing statement from XXXX XXXX as well as my settlement agreement contact with XXXX XXXX, I will also be providing proof of my certified letter sent to TransUnion that TransUnion failed to respond to and conduct a proper investigation of. 

Account : XXXX XXXX XXXX account number 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 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto 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 2023-12-13 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: PA

Complaint narrative:
THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto 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