vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.

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 2024-08-22 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 recently received a copy of my credit report and noticed several inaccuracies and discrepancies on my report. These inaccuracies have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-22 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )

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 2024-08-22 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: IL

Complaint narrative:
I received my credit report on XX/XX/year> ano notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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.

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 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 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 has violated my rights. 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. I also asked for the original contract to be provided and it was not.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Transunion, I received your attached response to CFPB complaint number XXXX dated XX/XX/year> in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. Attached to CFPB complaint number XXXX was a copy of FTC Identity Theft Criminal Complaint Number XXXX which has also been attached to the present complaint for reference and as proof from the US Federal Trade Commission that the contested items appearing on my credit report were opened and are presently reporting in false 'verified ' status from the involved data furnishers as the result of identity theft and fraud. In your response, you gave reasons for the denial of the block in which you determined that either 1. the request was made in error, 2. the request was based on a material misrepresentation, or XXXX. That I received goods services or moneys as a result of the transactions I am seeking to block. Your letter fails to tell me the source of the information you relied on in making such a determination and fails to disclose the procedure by which you obtained information about FTC Identity Theft Criminal Complaint Number XXXX or its contents from that source. My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number XXXX, and further entitle me to a written response from you which verifies the source of information you relied on in either granting or denying my original request for the information block as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which you obtained information about the aforementioned FTC Identity Theft Criminal Complaint from that source in the course of your reinvestigation. I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your investigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be deleted from my credit report you maintain.

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 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-22 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
We have received additional information to counter attacked ChexSystem phony claim. 

The cited they are protected by Section 603 ( x ). I demand they provide the total content of this provision of this statue. When we looked up Section 603 ( x ) this is what we discovered : Section 603 ( x ) provides special procedures for investigations of suspected misconduct by an employee or for compliance with Federal, state or local laws and regulations or the rules of a self-regulatory organization, and compliance with written policies of the employer.

I am NOT an employer of Any of Chex System clients. Weather that be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

So this file should NOT be closed until they provide us the complete statue that protects them from the FCRA.

If they choose to not furnish this information to the CPFB or any government agency, we are ready to litigate.

Ad every violation that they have violate in punishable up to {$1000.00} and there are many cited here. 

XXXX XXXX XXXXXXXX is claiming these same nonsense statue, " Specialty Consumer Agency ''. There is not such statue on the federal level of such. If it is, we are also demanding they provide us and the CPFB the very statue they claim protects them from the FCRA. We do not want a form letter. We want the very statue that protects them or we litigate here also.

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 2024-08-22 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 formally dispute a XXXX XXXX account that has been submitted by XXXX XXXX and appears on my credit report. This account is not mine, and I did not receive any prior notification or opportunity to dispute this erroneous account before it was reported, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute the accuracy of any information reported on my credit report, and you are required to investigate the validity of this debt. 

I demand that you provide me with all relevant documentation, including the original application and any records showing my social security number, to prove that this account is indeed mine. If you can not provide such proof, this account must be removed from my credit report immediately, as per the FCRA 's guidelines on correcting inaccurate information. Failure to do so may result in further legal action to enforce my rights under federal law. 

Please confirm the removal of this account from my credit report at your earliest convenience.

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 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zakheim Law Group, P.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, a document was sent to XXXX XXXX XXXX XXXX, XXXX, Florida ( as shown in the attached document ), concerning a debt from XXXX through Zakheim and LaVrar, P.A. Yet, I wasn't living at that address at the time. Consequently, I missed the court date by phone, which I was unaware of, and a judgment was made against me. My current address could have been easily obtained from public sources, and I could have been adequately served. On XX/XX/XXXX, a Writ of Garnishment was issued, and my wages were garnished while I was working at XXXX. I contacted attorney Zakheim and informed them that my rights were violated because I wasn't given notice to defend against the garnishment of wages and other property at the time of the writ, as required by law. As a result, the garnishment was lifted, and my funds were returned. The process should have stopped at that point because Zakhein and LaVrar did not follow proper due course. I have claimed exemptions over their attempts for the last 13-14 years, as I have a XXXX XXXX XXXX who is currently in treatment and is not employed, and I provide all his support along with after-market health insurance. Additionally, I have recently received interrogatories in aid of execution, and I am unable to comply due to undue burdens, as I am currently ill and undergoing XXXX. Since Zakheim and LaVrar, P.A. did not follow the proper legal procedure in XXXX, I consider anything after that harassment. Additionally, since they represent XXXX, I will also contact XXXX. Please see the attached document outlining the ongoing issue since XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I tried using the card at XXXX to make a purchase. When I had tried using it it stated that the card declined. Went online to " register the card '' and again it was declined. Called customer service and they advised that since the card was gifted a year ago I needed to fax them a copy of my ID, my social security number and a copy of the card. The number seemed foreign and I didn't want to do that. They said that was the only way that they can " investigate '' and see if they can reissue me a new one. 
I received this card as a gift for XXXX and we are not able to use it and it has an expiration of XX/XX/year> on it.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A few months ago ( XX/XX/XXXX ), I made a dispute letter to Equifax ( courtesy from the XXXXXXXX XXXX ) to remove an old credit card settlement ( from XXXX XXXX XXXXXXXX ) from my credit report. About a month or two passed and I haven't received any response from them. When I contacted Equifax directly, they investigated the issue and gave me their response that I have to wait another two years for it to be resolved based on their investigation and conclusion. The settlement is over seven years old and by XX/XX/XXXX, it will become its tenth year. I'm trying to remove this from my credit report once and for all before XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief