vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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:
I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above accounts from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for noncompliance ( 15 U.S.C. 1861n

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 2024-12-24 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: NC

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I noticed some late payments posted on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above accounts from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for noncompliance ( 15 U.S.C. 1861n

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
contacted company XX/XX/year> about inquiry on XXXX was informed that there was no information in system associated with my social secutity number. I was told to contact the credit reporting agency who told me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: OneMain Finance Corporation
State: IL

Complaint narrative:
contacted company XX/XX/year> about inquiry on XXXX was informed that there was no information in system associated with my social secutity number. I was told to contact the credit reporting agency who told me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
According to Chase on XX/XX/24 XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, using phone numbers ( XXXX ) XXXX & ( XXXX ) XXXX, attempted to open a credit card account in my name with her as an additional cardholder. On XX/XX/24 Chase called me ( apparently she has all of my information ) to verify that I agreed to this account, and I informed them that I had never hear of this person and I do not want to apply for anything. Apparently they've stopped their process so will see where it happens next.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or 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 the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 XXXXXXXX, 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 2024-12-24 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: NY

Complaint narrative:
When I checked my credit report this morning, I found accounts listed that dont belong to me, and Im completely baffled as to why this is happening. Ive always monitored my credit without issues, but this time there were unexpected discrepancies. I even refreshed the page, hoping it was some sort of glitch, but the problem didnt go away. Im pleading for a thorough review of the documents I submitted so I can feel secure about my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IA

Complaint narrative:
AMERICOLLECT INC Is attempting to collect a debt that is not legally owed by me. 

I am unaware of this collection and is deemed fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I opened an account with Indigo Mastercard ( Concora Credit ) to use for my XXXX. At the time I opened the account, my wife and I were separated and I was living with my business partner. The beginning of XXXX, 2024, I moved back in with my wife, and changed my address with the company via the webpage. On XX/XX/year>, I went to use the credit card at the Post Office to buy stamps for my business, and it was declined. I called Indigo and they said that they closed the account on XX/XX/year> due to " Suspicious Activity '' with the account. They stated that they sent a notice out in the mail on XX/XX/year>, which I just received today ( XX/XX/year> ). The notice states that they closed the account due to " Unusual or Suspicious customer demographic changes ''. 

This company closed my credit account due to a change in marital status, which I believe is covered under the Equal Credit Opportunity Act, under the Marital Status clause. 

I contacted the Attorney Generals office, and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc.
State: IL

Complaint narrative:
Unifin , Inc. is trying to collect a debt for a car that was repossessed approximately around 2008. The car was a XXXX XXXX and was taken over 16 years ago. Unifin , Inc. has been contacting my family members about this debt and has been harassing me over a debt that is close to 20 years old. I haven't heard any correspondence about this debt in over 15 years and they have recently started harassing me. I feel that due to the age of this debt, I should not have to obligate myself with this especially since I am on XXXX and have limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MN

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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company from my information Equifax. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries, incorrect Address ( es ) and Employer ( s ) related to this identity theft : Incorrect Name ( s ) : XXXX XXXX Incorrect Name ( XXXX ) : XXXX XXXX XXXX Incorrect Name ( XXXX ) : XXXX XXXX Employer ( XXXX ) : XXXX Employer ( XXXX ) : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I found that fraudulently opened credit card accounts that were previously deleted were re-added to my Transunion credit report. Before this, I had submitted a complaint to Transunion regarding this issue, along with supporting documentation, and Transunion removed the fraudulent account ( CFPB XXXX. XXXX ). After XXXX XXXX responded, I submitted additional information to Transunion ( CFPB XXXX. XXXX ), including a police report, proof of identity, and a host of other things to prove that the account was fraudulently opened to stop the account from being re-added. Still, Transunion never took this information seriously, resulting in the account being re-added. The practice may have violated the relevant provisions of the FCRA ( 1681e ( b ) ).

I want to reiterate the following : As a victim of identity theft, I would like to submit additional supporting documentation to credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : XXXX. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. 2. The XXXX XXXX  XXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. 

I will attach Transunion 's findings in CFPB XXXX. XXXX indicating that the agency has removed the account from the credit report before. In the meantime, I will again attach the police report, state ID, FTC Identity Theft Report, bank statement for proof of current address, and original SSN and address history for 2 years as supporting documentation.

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 2024-12-24 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: FL

Complaint narrative:
Per The Family Educational Rights and Privacy Act of XXXX  ( FERPA ), the school was not to provide transaction history and personally identifiable information from student 's records to any third party companies without consumer 's consent, therefore they violated this law by reporting transaction history to third party credit reporting companies without consumer 's knowledge and written authorization.

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 2024-12-24 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: FL

Complaint narrative:
Per The Family Educational Rights and Privacy Act of 1974 ( FERPA ), the school was not to provide transaction history and personally identifiable information from student 's records to any third party companies without consumer 's consent, therefore they violated this law by reporting transaction history to third party credit reporting companies without consumer 's knowledge and written authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
Per The Family Educational Rights and Privacy Act of 1974 ( FERPA ), the school was not to provide transaction history and personally identifiable information from student 's records to any third party companies without consumer 's consent, therefore they violated this law by reporting transaction history to third party credit reporting companies without consumer 's knowledge and written authorization.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Its incredibly frustrating to see accounts in pending litigation still showing up inaccurately on my credit report. Ive tried multiple times to resolve this with you, but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NJ

Complaint narrative:
To my shock, inaccurate accounts showed up on my credit report this morning, and I have no explanation for why this happened. As part of my routine, I checked my report, but for some reason, discrepancies appeared out of nowhere. I even refreshed the browser multiple times, hoping it was an error, but they didnt go away. I desperately need the documents I submitted to be carefully reviewed so I can finally stop living in constant worry over this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

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