vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
I recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, Transunion and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting XXXX, Transunion and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. Transunion, XXXX and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If Transunion, XXXX and XXXX does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. XXXX commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX and experian are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting XXXX, XXXX and Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX, XXXX and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If XXXX, XXXX and Experian does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. XXXX commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
my license was stolen. today i received a notification from a credit bureau stating that hard inquiries were recently posted to my credit file and also that there was a new address showing for the state of new jersey, added to my file as well. the inquires i listed are fraudulent as well as the new address that's listed. attached is a copy of my identity theft report.

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol One forces you to use your card or they will cancel the account due to inactivity. A canceled account will adversely affect credit scores. This is an emergency account held in back up should I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank - Lane Bryant falsely reported that I was 60 days late with an account payment in XX/XX/XXXX. The account was paid off in XX/XX/XXXX. I have submitted 3 claims with XXXX at which point they said to contact creditor which is Commenity Bank. I have contacted Comenity Bank numerous times to 1 ) make sure they report a XXXX balance as of XX/XX/XXXX and 2 ) remove the derogatory payment status. Ive contacted them several times in XXXX XXXX XXXX XXXX XXXX and they keep giving me the run around in regards to the proper and effective procedures on how to contact them to initiate the process for them to remove the derogatory status. First they say they can take the request via phone, 1 month later they story changes to I need to file via their secure message center, now its I need to submit a letter in writing to request that they remove the late payment status. I have been following up with this creditor since XXXX of XXXX to ensure my account is order. Ive been a customer since XXXX but they are not being supportive in the process of removing the delinquent payment. Please help my credit score dropped XXXX points bc of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
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 : UNKNOWN ACCOUNT Account XXXX Account name : UNKNOWN ACCOUNT Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXXXXXX XXXX Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
This is the 2nd complaint that I am having to issue through The Consumer Financial Bureau. 

Comenity Bank issued me a rewards points refund check # XXXX on XX/XX/2023 in the amount of {$110.00}. I deposited the check into my bank and the check did not clear their bank. I also have a {$640.00} credit on my account from an overpayment with them that I would like returned as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Dear CFPB, I am writing to dispute the bankruptcy that appears on my credit report. As per the Fair Credit Reporting Act, it is my right to request correction of any inaccurate or incomplete information on my credit report. However, I believe that the bankruptcy appearing on my credit report is inaccurate and incomplete. 

I would like to point out that the Bankruptcy Court, as an information provider, does not report any information to credit reporting agencies or any other agencies. Therefore, the bankruptcy appearing on my credit report is not a result of accurate reporting. 

I request that you take appropriate action to correct this inaccuracy on my credit report, and that the bankruptcy be removed from my account as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX BANKRUPTCY ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX BANKRUPTCY ( XXXX XXXX XXXX TEXAS ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Delete this account.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief