vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I would like all Derogatory Remarks, Late Payments, Collection, Charge-offs, and Closed Accounts removed. The following accounts are all being misreported on my credit report. 
Please apply these laws to my accounts : the Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 
ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Collection/Charge-Off ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX REASON : Not my Account. Please remove it from my credit report ACCOUNT NAME : XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Late Payments ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : Not my account Please remove it from my credit report ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Revolving/Open/Late Payments ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX REASON : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Installment/Late Payments ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX REASON : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

Please remove the following addresses from my account. I have never lived at the addresses listed below : Inaccurate Addresses as Stated On Credit Report XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD 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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
This is my complaint for TRANSUNION. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found late payments which never happened and accounts with inaccurate information, such as payment history, status,, balances, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

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 2023-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
a dept XXXX was sent to collections today XX/XX/23 thats not mine, they mixed me up with my son XXXX.I called both the collection service and banifield the complainant.I told them they put my sons bill to my name.we have the same name, they have his email and my dob.now i had a acct with them years ago, so when my son went there they guess it was same person apparently and used that, my son knows the situation and didnt get any notice of bill and has no issue paying but i need it removed from my credit profile file asap. I have no agreement no signed docs

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is not accurately furnishing information on my consumer credit report. I have not received the investigative report that should include interviews with family and friends 15 USC 1681a ( e ). My credit report has inaccurate names and addresses which put me at risk for identity theft and financial harm. these inaccuracies have come back " verified '' which is not true and is considered willfully and knowingly furnishing inaccurate information. My credit report is not the same across all credit reporting agencies 15 USC 1681b ( e ) ( ( 6 ). I did not give Experian written instruction to furnish anything on my consumer credit report 15 USC 1681b ( a ) ( 2 ). Experian is liable for {$1000.00} per violation.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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 implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The following company is currently reporting an incorrect account to my credit file, please remove this account from my credit file. I have attached a copy of my dispute letter as well as my police 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 non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The following company is currently reporting an incorrect account to my credit file, please remove this account from my credit file. I have attached a copy of my dispute letter as well as my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the FRCA the term investigate consumer report Means a consumer Report a portion thereof In which information on Consumers character, General reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They stated my account were verified but how is that possible if they did not do the proper investigation according to the law also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracy **I have never signed any written documents saying I owe this debt to the collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resource They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus **Invalidated debt/ debt has been invalidated Contract has been canceled ***Pursuant to 18 USC 8. I owe no debt. This company is violating My consumer right to privacy Pursuant to 15 USC 1681 B 2 Company has also NO permission To report anything using my information to 15 USC 1681 4 **I have never signed any written documents saying I owe this debt to the collector They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 15 U.S.C 1681b- Permissible purposes of consumer reports. There are information that is illegally reported on my credit report. I did not give written consent to report any of these accounts. Furthermore 15 U.S.C. 1681c-1 states that this is identity theft without my written consent.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to 15 U.S.C 1681b- Permissible purposes of consumer reports. There are information that is illegally reported on my credit report. I did not give written consent to report any of these accounts. Furthermore 15 U.S.C. 1681c-1 states that this is identity theft without my written consent.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on 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 non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the FRCA the term investigate consumer report Means a consumer Report a portion thereof In which information on Consumers character, General reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They stated my account were verified but how is that possible if they did not do the proper investigation according to the law also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracy **I have never signed any written documents saying I owe this debt to the collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resource They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus **Invalidated debt/ debt has been invalidated Contract has been canceled ***Pursuant to 18 USC 8. I owe no debt. This company is violating My consumer right to privacy Pursuant to 15 USC 1681 B 2 Company has also NO permission To report anything using my information to 15 USC 1681 4 **I have never signed any written documents saying I owe this debt to the collector They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX 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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are Inquiries as well as Accounts that have been opened by the aforementioned Creditor that I have not authorized or had any Business with. I Have reached out to the Creditor they have stated that they have submitted a request to have the accounts and inquires removed due to the findings of their Investigation. The accounts are still listed on my credit reports.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are Inquiries as well as Accounts that have been opened by the aforementioned Creditor that I have not authorized or had any Business with. I Have reached out to the Creditor they have stated that they have submitted a request to have the accounts and inquires removed due to the findings of their Investigation. The accounts are still listed on my credit reports.

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Middle class tax refund sent out debit card to us in XXXX for {$1000.00} which we did not receive. Apparently, the cards were stolen, and the fraudsters were able to activate the cards and take out the cash in 2 separate transactions from a XXXX XXXX XXXX in XXXX XXXX back in XXXX. We found out in XXXX that we were supposedly to receive the cards when we were issued a 1099 tax statement. After numerous calls to the state, we were put in touch with Money Network ( card issuer ). We filed a complaint which was denied and then we appealed. Money Network indicated that the initial request for the $ was turned down because the cards had been activated with personal identification information. We are still awaiting the final decision on the appeal with Money Network but it is long overdue, we have passed the 90 working days on the appeal to get an answer. We constantly call and get the " no determination at this time '' as our answer from Money Network. We are in the XXXX month of this process without any resolution.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I JUST SEE THOSE INQUIRIES ON MY CREDIT REPORT AND ALL OF THEM WAS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX INQUIRY DATE : XXXX  WAS FRAUD AND SALL DELETE. 

XXXX XXXX XXXX DATE : XX/XX/ SHALL DELETE DUE TO FRAUD. 

DELETE ALL TYHOSE FRAUD INQUIRIES FROM 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 non-monetary relief