vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT 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 2024-12-17 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-17 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: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that all accounts associated with my information be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are as follows : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$70.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$790.00} Inquiries : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  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 2024-12-17 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: Braviant Holdings, LLC
State: TX

Complaint narrative:
This account has been sold to third parties at least three times. I did not give approval to do so. According to FCRA, I can request that my account not be sold or transferred to any third party without my explicit consent. According to FCRA, I have the right to control how my personal information is shared. Selling or transferring my account without my consent constitutes a violation of my rights under this federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
I am writing to formally request that all accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a result of a data breach in which my personal information was compromised. 
The following accounts and inquiries have been affected, and I ask that they be removed from my credit report : Accounts : XXXX. DEPTEDXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$15000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-17 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: TX

Complaint narrative:
I am writing to formally request that all accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a result of a data breach in which my personal information was compromised. 
The following accounts and inquiries have been affected, and I ask that they be removed from my credit report : Accounts : XXXX. DEPTEDXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$15000.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - 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 explanation
Consumer complaint received 2024-12-17 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: AL

Complaint narrative:
I believe that the bank/company did not loan me any money. They did not deposit the promissory note that was assigned to them from the dealership. The bank/company recorded the promissory note as an asset on the books of the business and credited cash to balance the books. The alleged borrower got cash. likely the bank/company will likely avoid explaining the cash earlier credited was deposited. The deposit is a debit to cash and a credit to a bank/company liability like a checking account, demand deposit account or savings account. The new result is exactly what the Federal Reserve Banks have already admitted. There is a new company/bank asset and a new company/bank liability. The new asset came from the borrower and the bank/company liability means the bank/company owes money related to the new asset. The owner of the property is me ( the complainant of this inquiry ). The banks claim that they loaned me money to purchase the vehicle. Where did the money come from. I believe they created an account and deposited the cash and then paid for the property from that account. This is what I believe is an act of custodian or intermediary to the transaction.

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 2024-12-17 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: AL

Complaint narrative:
I believe that the bank/company did not loan me any money. They did not deposit the promissory note that was assigned to them from the dealership. The bank/company recorded the promissory note as an asset on the books of the business and credited cash to balance the books. The alleged borrower got cash. likely the bank/company will likely avoid explaining the cash earlier credited was deposited. The deposit is a debit to cash and a credit to a bank/company liability like a checking account, demand deposit account or savings account. The new result is exactly what the Federal Reserve Banks have already admitted. There is a new company/bank asset and a new company/bank liability. The new asset came from the borrower and the bank/company liability means the bank/company owes money related to the new asset. The owner of the property is me ( the complainant of this inquiry ). The banks claim that they loaned me money to purchase the vehicle. Where did the money come from. I believe they created an account and deposited the cash and then paid for the property from that account. This is what I believe is an act of custodian or intermediary to the transaction.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PNC Bank N.A.
State: AL

Complaint narrative:
I believe that the bank/company did not loan me any money. They did not deposit the promissory note that was assigned to them from the dealership. The bank/company recorded the promissory note as an asset on the books of the business and credited cash to balance the books. The alleged borrower got cash. likely the bank/company will likely avoid explaining the cash earlier credited was deposited. The deposit is a debit to cash and a credit to a bank/company liability like a checking account, demand deposit account or savings account. The new result is exactly what the Federal Reserve Banks have already admitted. There is a new company/bank asset and a new company/bank liability. The new asset came from the borrower and the bank/company liability means the bank/company owes money related to the new asset. The owner of the property is me ( the complainant of this inquiry ). The banks claim that they loaned me money to purchase the vehicle. Where did the money come from. I believe they created an account and deposited the cash and then paid for the property from that account. This is what I believe is an act of custodian or intermediary to the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that all accounts associated with my information be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The accounts in question are as follows : XXXX  XXXX  XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$70.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$790.00} Inquiries : XXXX XXXX TO Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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 inform you that I am a victim of a data breach and request that all accounts associated with my information be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The accounts in question are as follows : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$70.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$790.00} Inquiries : XXXX XXXX TO Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  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 explanation
Consumer complaint received 2024-12-17 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: LA

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 2024-12-17 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: UT

Complaint narrative:
I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
Despite my prior disputes submitted to the XXXX XXXX XXXX, the investigation results provided were insufficient and lacked transparency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the procedures used during their investigation within 15 days of receiving a dispute. However, this requirement has not been fulfilled to date. 

Furthermore, pursuant to the Truth in Lending Act ( TILA ), codified under 15 U.S. Code 1601, I am entitled to accurate, complete, and transparent reporting of my credit information. The continued reporting of this account raises concerns about the accuracy and verification process employed. 

Provide a detailed description of the procedures used to investigate and verify this account. 

Supply all supporting documentation or evidence used to validate the reported information. 

If the accuracy of this account can not be verified, I request its immediate deletion from my credit report in compliance with 15 U.S. Code 1681i ( 5 ).

I request that the CFPB ensure this matter is resolved promptly, in adherence to the FCRA and the Truth in Lending Act. If the investigation fails to meet legal requirements, the credit reporting agency must remove this account as unverified.

I have exhausted all dispute options directly with the credit reporting agency and now seek the CFPBs intervention to ensure my consumer rights are protected. 

Thank you for your attention to this matter. I look forward to receiving a timely response.

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 2024-12-17 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:
Despite my prior disputes submitted to the credit reporting agency, the investigation results provided were insufficient and lacked transparency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the procedures used during their investigation within 15 days of receiving a dispute. However, this requirement has not been fulfilled to date. 

Furthermore, pursuant to the Truth in Lending Act ( TILA ), codified under 15 U.S. Code 1601, I am entitled to accurate, complete, and transparent reporting of my credit information. The continued reporting of this account raises concerns about the accuracy and verification process employed.

Provide a detailed description of the procedures used to investigate and verify this account.

Supply all supporting documentation or evidence used to validate the reported information.

If the accuracy of this account can not be verified, I request its immediate deletion from my credit report in compliance with 15 U.S. Code 1681i ( 5 ).

I request that the CFPB ensure this matter is resolved promptly, in adherence to the FCRA and the Truth in Lending Act. If the investigation fails to meet legal requirements, the credit reporting agency must remove this account as unverified.

I have exhausted all dispute options directly with the credit reporting agency and now seek the CFPBs intervention to ensure my consumer rights are protected. 

Thank you for your attention to this matter. I look forward to receiving a timely response.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation