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: 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 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 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 vour reference. Mv 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT 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 obligated to block any information flagged by the consumer as stemming from identity theft within XXXX 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 vour reference. Mv 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account 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 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Formal Dispute for Inaccurate Credit Reporting under FCRA 611 To Whom It May Concern : I am writing to formally dispute inaccurate and inconsistent information reported on my credit file maintained by XXXX. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. 

The following accounts contain inaccurate information : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Collection Account with {$600.00} past due, but status conflicts with TransUnion and XXXX. 
- FCRA Violation : Reporting conflicting and unverifiable information in violation of FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Auto Loan with balances of {$11000.00} and {$9200.00} on different reports. 
- Date discrepancies : Opened XX/XX/year>, and XX/XX/year>. 
- FCRA Violation : Reporting inconsistent balance and date information in violation of FCRA 611 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Secured Card with {$24.00} balance after closure. 
- FCRA Violation : Failure to maintain accuracy under FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Credit Card with a {$130.00} balance still remaining. 
- FCRA Violation : Unverified and misleading balance reporting violates FCRA 605 ( b ).

Requested Resolution : - Investigate and verify each disputed account with the original data furnisher. 
- Remove or correct all errors within 30 days, as mandated under FCRA 611.

- Provide a written summary of the investigation results and verification sources.

- Delete unverifiable information, as required under FCRA 611 ( a ) ( 5 ) ( A ).

I expect a response within 30 days of receipt as required by law. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and escalation through legal channels. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Formal Dispute for Inaccurate Credit Reporting under FCRA 611 To Whom It May Concern : I am writing to formally dispute inaccurate and inconsistent information reported on my credit file maintained by XXXX. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. 

The following accounts contain inaccurate information : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Collection Account with {$600.00} past due, but status conflicts with XXXX and Equifax. 
- FCRA Violation : Reporting conflicting and unverifiable information in violation of FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Auto Loan with balances of {$11000.00} and {$9200.00} on different reports. 
- Date discrepancies : Opened XX/XX/year>, and XX/XX/year>. 
- FCRA Violation : Reporting inconsistent balance and date information in violation of FCRA 611 ( a ). 

XXXX. XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Secured Card with {$24.00} balance after closure. 
- FCRA Violation : Failure to maintain accuracy under FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Credit Card with a {$130.00} balance still remaining. 
- FCRA Violation : Unverified and misleading balance reporting violates FCRA 605 ( b ). 

Requested Resolution : - Investigate and verify each disputed account with the original data furnisher. 
- Remove or correct all errors within 30 days, as mandated under FCRA 611. 
- Provide a written summary of the investigation results and verification sources. 
- Delete unverifiable information, as required under FCRA 611 ( a ) ( 5 ) ( A ).

I expect a response within 30 days of receipt as required by law. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and escalation through legal channels. 

Sincerely, XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a letter to Experian, XXXX and XXXX agency disputing specific accounts ( letter in uploads ) on my consumer report and requesting documentation to verify their accuracy. These accounts are inaccurate and incomplete. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and request proper verification. Section 604 ( 15 U.S.C. 1681b ) states that no information should appear on my consumer report without a permissible purpose, which I did not authorize. Furthermore, my right to privacy under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) prohibits these credit agency from sharing or reporting unauthorized or unverifiable information. Experian continues to mark these accounts as verified without providing any documentation or addressing my requests. This violates both my privacy and rights under federal law.

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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX  XXXX, Account name : # XXXX XXXX XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name 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 account number XXXX Account name XXXX XXXX XXXX XXXX account number XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Request for Removal of Inquiries on TransUnion Report Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding unauthorized inquiries on my TransUnion credit report. I recently reviewed my credit report and noticed the following inquiries that I believe should be removed : XXXX. XXXX XXXX  - Date : XX/XX/year> XXXX. XXXX XXXX - Date : XX/XX/year> XXXX. XXXX XXXX - Date : XX/XX/year> These inquiries were made without my permission, and I have already filed a report with the Federal Trade Commission ( FTC ) to address this issue. I am concerned that these inquiries may negatively impact my credit score and overall financial standing. 

I kindly request that you investigate this matter and take appropriate action to have these unauthorized inquiries removed from my credit report. I have included a copy of my FTC report for your reference, as well as any pertinent information needed to process my request. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 non-monetary relief
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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX I made a purchase via XXXX for a sum amount. Everything was processed and went through everything was fine until i noticed a week or two later i went to login to my account with Truist to check the statement and monthly payment for said transaction and i was locked out. I call Truist customer service and come to find out my account was under review for fraud. Never once was a phone call, email, or letter by mail issued to me notifying me of this. Fast forward forward a couple day i contact the fraud team at Truist and they said account has the potential to be closed. Fast forward to today XX/XX/year> i was told my account was closed with Truist and legally they dont need to tell me of this activity on MY account and Im still required to make payments on lump sum transactions until its paid off via by mail or over the phone because my online banking is shut down. I feel as if something like this was an issue they should have to at least notify me or ask me if this transaction was verified by me not just close my account and i have to find all this out by calling

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, a natural person, and I am personally submitting this complaint against Portfolio RC, a debt collector. This is not being submitted by any third party. Portfolio has violated the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws by failing to respond to my debt validation request and continuing to report the alleged account to credit bureaus, which is unlawful. On XX/XX/year>, I sent a written debt validation letter to Portfolio, requesting validation of the alleged debt as required under FDCPA Section 809 ( 15 U.S.C. 1692g ). My records show that Portfolio received the letter. However, they have not provided any response or validation of the alleged debt within the required timeframe. Despite failing to validate the debt, Portfolio has continued to report the alleged account to credit reporting agencies. This is a clear violation of FDCPA Section 807 ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading practices, including pursuing collection efforts without properly validating a disputed debt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account Information : XXXX  XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1600.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX  Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX  Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$3400.00} XXXX XXXX  Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1600.00} XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1600.00} XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$16000.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$260.00} XXXX XXXX Account number XXXX XXXX, Date opened : XX/XX/XXXX, Amount : {$110.00} Inquiry Information : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/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 2024-12-24 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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I tried to pay the last months rent and the rental manager XXXX XXXX XXXX at XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX Texas wrongfully charged my credit for {$5400.00}. Rental law in the state of Texas says if you try to pay the company and they refuse payment-by law they cant charge your credit. XXXX at XXXX XXXX XXXX is being investigated for fair housing violations against XXXX American military veterans. Dept of justice conf # via email.

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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My account is charge off and seeing the company wrote it off as a profit loss i was told i was getting a 1099-c i requested so i can then write it off as income. Their reporting charge off on my credit report and are taking a tax break. I will sue this company for statuary damages and suing them for fraud and will notify the IRS. if this company is willing to remove account from my credit report then i will close my complaint out with no further action and will write it off on my XXXX as income using a 1099-c Thank you 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 2024-12-24 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: EQUIFAX, 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.

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 response to consumer: Closed with explanation