vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
I am writing to address the unresolved matter regarding previous CFPB complaints numbered XXXX XXXX XXXX. Despite previous instructions provided by the consumer, your consumer reporting agency has not complied accordingly. 

I have reported identity theft against me and have attached the corresponding report for your reference. It is imperative that the inaccuracies in my consumer report be rectified immediately to reflect the accurate restricted information. 

Failure to correct these errors promptly may result in further legal action due to continued reporting of restricted information without correction. 

I kindly request your urgent attention to this matter and prompt action to rectify the discrepancies in my 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 explanation
Consumer complaint received 2023-12-19 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: OH

Complaint narrative:
This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this. 

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. 

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. 

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report. 

You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. 

I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. 

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. You are now on notice and I am hoping you obey the FCRA so we can avoid any court situations. 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: OH

Complaint narrative:
This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this. 

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. 

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. 

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report. 

You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. 

I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. 

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. You are now on notice and I am hoping you obey the FCRA so we can avoid any court situations. 

Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: OH

Complaint narrative:
This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned.

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report.

You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX  XXXX XXXX The inaccurate furnishing of data has had a significant detrimental

impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that
specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This is a notice. Thank you for your time,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of reporting for accounts 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 2023-12-19 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: MN

Complaint narrative:
XXXX ALL INFO ON MY CREDIT REPORT MUST BE 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 explanation
Consumer complaint received 2023-12-19 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: 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 XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  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 2023-12-19 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
IT WAS STOLEN, FRAUDULENT COLLECTION MIDLAND CREDIT MANAGEMENT, FRAUD ACCOUNT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of reporting for accounts XXXX XXXX, XXXX, XXXX XXXX, XXXX of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: GA

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of reporting for accounts XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It should be known that due to a data breach from XXXX XXXX XXXXXXXX, my personal info. Was obtained and attempted to be used for fraudulent intentions. Due to data breach, I was subjected to identity theft where some unknown person tried to apply for credit in my name. As of now no accounts were opened and only hard inquiries are a result from data breach and identity theft. I have contacted most of the companies about the hard inquiries and was told to contact the credit bureaus. The credit bureaus assert to contact the companies. All are passing the buck. A letter from XXXX XXXX XXXX is incorporated as to the data breach. A copy of poli XXXX report is herein included for review. Finally, a identity theft report from the Federal Trade Commission is also included for review. All procedures have been properly followed and the consumer request that all bureaus remove said inquiries due to data breach and identity theft because he did not authorize them and is suffering adverse affects from them. Under federal law, the bureaus are required to remove or block them within 4 days. There are 3 hard inquiries at transunion. There are 6 hard inquiries at XXXX. Finally, there are 6 hard inquiries at XXXX. Only XXXX is to remain with XXXX. The consumers full name is XXXX XXXX and his d.o.b. is XX/XX/1973. The last 4 of his social security number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
It should be known that due to a data breach from XXXX XXXX XXXXXXXX, my personal info. Was obtained and attempted to be used for fraudulent intentions. Due to data breach, I was subjected to identity theft where some unknown person tried to apply for credit in my name. As of now no accounts were opened and only hard inquiries are a result from data breach and identity theft. I have contacted most of the companies about the hard inquiries and was told to contact the credit bureaus. The credit bureaus assert to contact the companies. All are passing the buck. A letter from XXXX XXXX XXXX is incorporated as to the data breach. A copy of poli XXXX report is herein included for review. Finally, a identity theft report from the Federal Trade Commission is also included for review. All procedures have been properly followed and the consumer request that all bureaus remove said inquiries due to data breach and identity theft because he did not authorize them and is suffering adverse affects from them. Under federal law, the bureaus are required to remove or block them within 4 days. There are 3 hard inquiries at transunion. There are 6 hard inquiries at Equifax. Finally, there are 6 hard inquiries at XXXX. Only XXXX is to remain with XXXX. The consumers full name is XXXX XXXX and his d.o.b. is XX/XX/1973. The last 4 of his social security number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
I am writing to address the unresolved matter regarding previous CFPB complaints numbered XXXX and XXXX. Despite previous instructions provided by the consumer, your consumer reporting agency has not complied accordingly. 

I have reported identity theft against me and have attached the corresponding report for your reference. It is imperative that the inaccuracies in my consumer report be rectified immediately to reflect the accurate restricted information. 

Failure to correct these errors promptly may result in further legal action due to continued reporting of restricted information without correction. 

I kindly request your urgent attention to this matter and prompt action to rectify the discrepancies in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
I am writing to address the unresolved matter regarding previous CFPB complaints numbered XXXX and XXXX. Despite previous instructions provided by the consumer, your consumer reporting agency has not complied accordingly. 

I have reported identity theft against me and have attached the corresponding report for your reference. It is imperative that the inaccuracies in my consumer report be rectified immediately to reflect the accurate restricted information. 

Failure to correct these errors promptly may result in further legal action due to continued reporting of restricted information without correction. 

I kindly request your urgent attention to this matter and prompt action to rectify the discrepancies in my 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 explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a XXXX gift card for {$99.00} as a gift and I opened it for the first time on XX/XX/23 and attempted to use it to pay for dinner. It processed for XXXX cents. The rest of the card was apparently already fraudulently used by someone else. I logged into the website for the card which is XXXX with a phone number of XXXX. On their website they showed that the card was used 3 times, on XX/XX/23, XX/XX/23, XX/XX/23 and at a XXXX XXXX in XXXX California on terminal number XXXX. At XXXX, XXXX and XXXX which is interestingly XXXX hours before the XXXX  ( all XXXX of them ) in that city even open. The card was apparently listed under the name of XXXX on the XXXX website too. Which makes no sense since I literally opened the card today ( on XX/XX/23 ) in XXXX  where it was purchased and paid for at a XXXX XXXX XXXX ( XXXX ). The XXXX people asked me for my first and last name which I provided and gave poor instructions on how to report this fraud with a hint that if I follow along they might be able to do something to get my money that was fraudulently stolen back. They asked me to upload the front and back of the card and the front and back of my government issued ID, which makes me super uncomfortable and is totally unacceptable from a company who clearly lost at least some of their XXXX credit card numbers in the first place. Who is to say they won't " lose '' my private information too. As I see it they owe me {$99.00} and shouldn't make people who are taken advantage by their poor business practices jump through hoops when they are ripped off. It wasn't even clear where to upload this on their site if I felt safe to do so specific to fraud. Any help with this company is appreciated and I hope someone can figure out who is ripping money off through a XXXX credit card terminal hours before they open. 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