vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account XXXX : XXXX XXXX Account XXXX : XXXX bal. {$130.00} Account Name : XXXX AT XXXX APTS Account Number : XXXX bal. {$4000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$210.00} Account Name : XXXX VILLAGE Account Number : XXXX bal. {$16000.00} Account Name : XXXX XXXX  Account Number : XXXX bal. {$2700.00} Account XXXX : XXXX XXXX Account XXXX : XXXX bal. {$170.00} Account Name : GREEN DOT BANK/CARDWOR Account Number : XXXX bal. {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$14000.00} Account XXXX : XXXX XXXX Account XXXX : XXXX bal. {$4100.00} Account XXXX : XXXX BANK Account XXXX : XXXX bal. {$120.00} Account XXXX : XXXX Account XXXX : XXXX bal. {$110.00} XXXXY XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/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 2024-11-18 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: MS

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX credit report. I recently retrieved my credit report and it showed ( number of hard inquiries you are disputing ) credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 


XXXX XXXX AUTOS Inquired on XX/XX/2024 Business Type : XXXX  Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  FINANCIAL Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  FINANCIAL Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  CARDS XXXX Inquired on XX/XX/2024 Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX By mail only XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/2024 Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX on XX/XX/2024 Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business XXXX XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type XXXX Finance Companies - non specific XXXX XXXX XXXX  XXXX  XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 
Sincerely,

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: MS

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX credit report. I recently retrieved my credit report and it showed ( number of hard inquiries you are disputing ) credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 


XXXX XXXX AUTOS Inquired on XX/XX/2024 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  FINANCIAL Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  CARDS XXXX Inquired on XX/XX/2024 Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX By mail only XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  FINANCE XXXX XXXX XXXX XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX  XXXX Inquired XXXX XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX on XX/XX/2024 Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Finance Companies - non specific XXXX XXXX XXXX  XXXX  XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business XXXX XXXX Finance Companies - non specific XXXX XXXX XXXX  XXXX  XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 
Sincerely,

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX The address below is incorrect and needs to be removed from my credit report immediately. 


XXXX XXXX XXXX XXXX OH XXXX Under USC Sec 15 1681, 1682, 1683, 1684 these items must be immediately removed. I have recently disputed these items to no avail and these needs to be removed asap. 

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


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

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

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

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX CARD ( Bank ) XX/XX/XXXX XXXX XXXX ( Home shopping ) XX/XX/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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: FL

Complaint narrative:
I am not aware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believed I received proper notification, please provide the certified mail with the receipt with my signature on there, stating that I received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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: Experian Information Solutions 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. Account name : XXXX XXXX XXXX # XXXX, Account Name : 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 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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 2024-11-18 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:
According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this to help remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries.This unauthorized action is a violation of my rights under FCRA XXXX and my right to privacy. Please contact the companies responsible for these inquiries and remove them immediately for non-compliance. The FCRA requires that the XXXX and Equifax to follow up with the creditor. 
The following inquiries were not authorized for any permissible business purpose and should be revomed XXXX  OF XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX  UNI XX/XX/2023 XXXX XXXX XX/XX/2023 Also, please include in the removal this inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/year> I am writing to file a formal complaint against Experian regarding their repeated failure to address my dispute of inaccurate information on my credit report, despite providing all necessary documentation. This issue has caused me unnecessary delays and frustration, and I believe it demonstrates a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and relevant New York XXXX consumer protection laws. 

On XXXX separate occasions in XXXX and in XX/XX/year> I mailed a formal dispute to Experian via XXXX, including a clear and complete copy of my New York XXXX drivers license, a utility bill, and my Social Security card. Despite this, Experians responses have been dismissive, claiming that the documents I provided were either unclear or never received. This is demonstrably false, as I have attached proof of delivery, including XXXX tracking information, confirming that my correspondence was sent and delivered. 

Experians failure to properly investigate my dispute or even acknowledge receipt of my documents is not only unprofessional but also an apparent violation of consumer law protections, including : The Fair Credit Reporting Act ( FCRA ) : Experian is obligated to investigate disputes in a timely and accurate manner and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 
New York XXXX XXXX XXXX Laws : These laws ensure that credit reporting agencies operate with fairness and transparency, especially when consumers provide clear and valid documentation. 
XXXX XXXX Practices : Experians repeated claims of unreceived documents despite proof of delivery reflect deliberate and intentional negligence. 
This behavior appears to be a deliberate attempt to avoid addressing my legitimate concerns and correcting errors in my credit file, which could have a significant and adverse impact on my financial well-being. 

Attached to this complaint, I have included : A copy of my dispute letters to Experian. 
Copies of the identification documents I provided. 
I request that the CFPB investigate XXXX handling of my dispute, ensure that they are held accountable for their lack of compliance with consumer protection laws, and compel them to properly review and address the inaccuracies on my credit file. 

Thank you for your time and attention to this matter. I look forward to your response and any steps you can take to help resolve this issue. 

Sincerely, 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