vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # 273997 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 of 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 2024-08-19 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXE XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX SERVICES # XXXX XXXX XXXX # XXXX 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 of 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OR

Complaint narrative:
Comprehensive Claim {$1000.00} or less on XX/XX/year> Listed on CLUE This was not me and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX HAS ALLOWED XXXX XXXX TO REPORT AN XXXX ACCOUNT ON MY CREDIT REPORT. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO DO AN INVESTIGATION. XXXX / XXXX FAILED TO PERFORM AN INVESIGATION. THE INNACURATE ACCOUNTS HAS BEEN DAMAGING TO ME. PLEASE REMOVE BOTH ACCOUNTS IMMEDIATELY. 

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 XXXX business days, pursuant to section 605C 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 company information .Transunion XXXX Please delete the following accounts : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, CAPITAL XXXX XX/XX/XXXX, XXXX FIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: AR

Complaint narrative:
XXXX XXXX XXXX Account XXXX - XXXX i hereby dispute the validity of the alleged debt listed above Entirely, Also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT, Agreenents must be with the original creditor and signed by all parties involved. XXXX requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease XXXX efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that accurate and complete thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: TX

Complaint narrative:
I do not recognize these inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report which will be attached. I am requesting the following inquiries to be removed because the inquiries are in accurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: TX

Complaint narrative:
I do not recognize these inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report which will be attached. I am requesting the following inquiries to be removed because the inquiries are in accurate and not mine.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to US Code 1681b Permissable Purpose, the law states that you are not to furnish a credit report on a consumer without permissible purpose. The exclusion section of 1681 also states the term credit report does not include information solely as to transactions such as payments and payment history. You have invaded my privacy multiple times and I plan to seek legal action. The accounts XXXX, XXXX XXXX and XXXX should be removed immediately. I have accessed paper work and will file a new lawsuit if no action is taken. XXXX has removed a XXXX XXXX account from my report. It should not eve showing on any other reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Debt Validation Request for Multiple Accounts Dear Midland Credit Management, I recently reviewed my credit report and noticed several debts that your agency is reporting. These debts are listed under the following original creditors : XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A FIRST ELECTRONIC BANK THE BANK XXXX XXXX XXXXXXXX I am writing to request validation of each of these debts, as required by the Fair Debt Collection Practices Act ( FDCPA ). Unfortunately, I do not have the account numbers for these debts beyond what was listed on my credit report. 
To ensure that each debt is fully validated, please provide the following information for each account : XXXX of the XXXX : The name and address of the original creditor, the original account number, and the amount of the debt that is being claimed. 
Proof of Legal Right : Documentation that shows you have the legal right to collect each debt, including any contracts, agreements, or statements that pertain to the debts. 
Assignment Contracts : Copies of the contracts that clearly show the assignment of these debts from the original creditors to your agency. These contracts should detail the terms under which the debts were assigned and transferred to your company. 
Account Histories : A detailed accounting of all fees, charges, interest, and payments made on each account from the inception to the current balance. 
Proof of Last Payment : Copies of the last payment made on each account, including the date and amount. 
XXXX of Limitations : Documentation showing whether the statute of limitations for collecting these debts has expired. 
Please be advised that I am also notifying the Consumer Financial Protection Bureau ( CFPB ) of this matter. I expect that all collection efforts will cease until this information is provided. Failure to validate these debts will result in the matter being considered closed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I noticed some fake accounts on my credit report that are harming my credit.

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 2024-08-19 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: NV

Complaint narrative:
I am writing to request the deletion of an inaccurate and fraudulent account present on my consumer credit reports and to bring to your attention the failure of XXXX BANK to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to this company to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, but this company never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this company and this account was reinserted with no permissible purpose and without my consent. 

XXXX BANK claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, this account are still inaccurate and is continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders XXXX use any of the XXXX to check a consumer 's credit history. XXXX BANK did not remove the inaccurate account that have been furnished on my consumer file and I have never gave my consent to re-insert or furnished this account. No consent is Identity Theft and I have attached evidence that XXXX BANK is in violation. 

I demand you cease and desist pursuant to federal laws XXXX U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information.

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION, XXXX, AND XXXX ARE ALL REPORTING AN INACCURATE LATE PAYMENT ON 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 2024-08-19 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: AZ

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-19 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: AR

Complaint narrative:
XXXX XXXX XXXX Account XXXX - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved, I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. you must Cease XXXX efforts until this alleged debt is validated. You must show proof that you legally own this debt and that it is accurate and complete. Sincerely, 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 2024-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A capital one credit card was opened in my name XX/XX/year> and a balance of {$XXXX} was used under the card, also another credit card was opened XX/XX/year> where they used {$XXXX} on that card. Neither of these accounts are mine and I have disputed this with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
i pulled my credit and it informed me that i was short selling stocks and outstanding balances and loans i did not authorize. i also filed my taxes and was supposed to get around {$6000.00} back i did not receive instead it was deposited into a roth ira account i dont own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was originally with the department of education. It was moved to XXXX when the pandemic hit. It was then transferred back to the department of education. I paid the balance in full to department of education. The department of education sent me a letter stating that my account is closed and paid. They reported that information to the credit bureaus. XXXX turned around and reported that it was open. I called them and asked them to report it to all credit bureaus as closed. They said they did and that was a lie. Please help me to get them to report that my account is paid in full and ask them to notify the credit bureaus. Thank you.

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 2024-08-19 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2024-08-19 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: NJ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation