vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-01-05 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-05 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: PA

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of my XXXX XXXX account ending in XXXX on my credit report. Despite my efforts to resolve this matter directly with XXXX, TransUnion and XXXX, the reported information remains inaccurate and misleading. The issues include but are not limited to : Incorrect Balance : The credit report lists a balance of {$250.00}, which is inaccurate and does not reflect the payments I have made. Contradictory Account Status : The account is reported as Closed but also listed as Current, which is contradictory and misleading. False Dispute Resolution Remark : The report states, Dispute resolved ; reported by grantor, despite no proper resolution or documentation from XXXX  XXXX. These inaccuracies have negatively impacted my financial reputation and violate my rights under both federal and state consumer protection laws. Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit agencies must ensure the maximum possible accuracy of information. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reinvestigation of disputed information within XXXX  days. 15 U.S.C. 1681s-2 ( b ) : Furnishers of information must correct or delete inaccurate data after receiving notice of a dispute. Fair Credit Billing Act ( FCBA ) : 15 U.S.C. 1666 : Despite repeated requests under 15 U.S.C. 1666 ( d ), the company has failed to produce essential documentation validating the accuracy of the alleged debts, including books of accounts, invoices, or transaction records. Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ) and Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) : 73 P.S. 2270.4 : Prohibits creditors from reporting false or misleading information. 73 P.S. 201-3 : Deems false credit reporting an unfair or deceptive practice. Attempts to Resolve : I have contacted XXXX, TransUnion and XXXX to dispute this matter but received no resolution. I also contacted XXXX XXXX, which failed to provide supporting documentation or correct the errors. Harm Caused : The inaccuracies in my credit report have caused the following issues : Lowered Credit Score : Affecting my ability to obtain financing or favorable terms. Emotional Distress : The prolonged dispute process has been frustrating and stressful. Potential Financial Loss : Due to higher interest rates and limited financial opportunities.

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 2025-01-05 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: PA

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of my XXXX XXXX account ending in XXXX on my credit report. Despite my efforts to resolve this matter directly with Experian, XXXX and XXXX, the reported information remains inaccurate and misleading. The issues include but are not limited to : Incorrect Balance : The credit report lists a balance of {$250.00}, which is inaccurate and does not reflect the payments I have made. Contradictory Account Status : The account is reported as Closed but also listed as Current, which is contradictory and misleading. False Dispute Resolution Remark : The report states, Dispute resolved ; reported by grantor, despite no proper resolution or documentation from XXXX  XXXX. These inaccuracies have negatively impacted my financial reputation and violate my rights under both federal and state consumer protection laws. Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit agencies must ensure the maximum possible accuracy of information. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reinvestigation of disputed information within 30 days. 15 U.S.C. 1681s-2 ( b ) : Furnishers of information must correct or delete inaccurate data after receiving notice of a dispute. Fair Credit Billing Act ( FCBA ) : 15 U.S.C. 1666 : Despite repeated requests under 15 U.S.C. 1666 ( d ), the company has failed to produce essential documentation validating the accuracy of the alleged debts, including books of accounts, invoices, or transaction records. Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ) and Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ) : 73 P.S. 2270.4 : Prohibits creditors from reporting false or misleading information. 73 P.S. 201-3 : Deems false credit reporting an unfair or deceptive practice. Attempts to Resolve : I have contacted Experian, XXXX and XXXX to dispute this matter but received no resolution. I also contacted XXXX XXXX, which failed to provide supporting documentation or correct the errors. Harm Caused : The inaccuracies in my credit report have caused the following issues : Lowered Credit Score : Affecting my ability to obtain financing or favorable terms. Emotional Distress : The prolonged dispute process has been frustrating and stressful. Potential Financial Loss : Due to higher interest rates and limited financial opportunities.

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 2025-01-05 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: NC

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Acknowledge that the accounts and transactions are fraudulent.

Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report.

Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts.

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name.

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this 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 2025-01-05 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: NC

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Acknowledge that the accounts and transactions are fraudulent.

Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report.

Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts.

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name.

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this 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 2025-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have recently reviewed my credit reports and have identified inaccuracies concerning collections data. Specifically, Credit Collection Service Account # XXXX It was deleted from my XXXX XXXX XXXX account for inaccuracies but this collection company refused to delete from my Experian account after countless efforts on my end to do so, this discriminatory behavior is gravely affecting my ability to gain access to certain credit benefits that I desperately need. Please help me resolve these errors to bring my XXXX Account to ensure that all information is accurately reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have been trying for months now to get my address updated on my credit reports to match every bureau and to delete the old addresses I have never lived at or use to live at. I have attached a drivers license with my current address. Please update my personal information with on proper address and delete any other addresses, name variations, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: MN

Complaint narrative:
Attached to this complaint is a police report. The following accounts currently listed and showing on my Experian and XXXX credit report are unauthorized and fraudulent accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All of the credit card accounts and transactions are fraudulent and unauthorized accounts and transactions.

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