vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. These activities violate my rights under federal laws, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information.

Incident Details 1. XXXX XXXX XXXX Account Type : Factoring Company Account Original Creditor : XXXX  Amount Due : {$690.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : Factoring Companys Account Original Creditor : XXXX XXXX Bank XXXX. 
Amount Due : {$630.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor : Charter Communications XXXX XXXX : {$260.00} Amount Due : {$2300.00} Status : Placed for Collection Date Closed : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Nature of the Fraud These accounts were not authorized by me. I did not provide my consent for my personal information to be accessed, shared, or reported to any credit bureaus or third parties. 

The unauthorized reporting of these accounts constitutes identity theft and illegal use of my personal information, as prohibited under : 1. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Unauthorized sharing of personal information without explicit consent.

2. 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data.

3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data.

Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score.

Resulted in financial harm and reputational risk.

these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( TransUnion, XXXX, and XXXX ) as evidence to remove these fraudulent accounts. 
Relevant federal agencies such as the FTC and CFPB, if necessary.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 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 2024-12-16 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: OneMain Finance Corporation
State: MI

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear ONEMAIN, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, your actions infringe on Michigan 's identity theft and consumer protection laws, including the Michigan Identity Theft Protection Act ( MCL XXXX ) and the Michigan Consumer Protection Act ( XXXX  XXXX ). 

It has come to my attention that ONEMAIN has reported information to my credit report without my explicit consent. The FCRA mandates that consumer consent is a prerequisite for any such reporting, as outlined in Section XXXX ( a ) ( XXXX ). Michigan law further underscores the importance of safeguarding consumer rights and prohibits unauthorized use or disclosure of personal information under the Identity Theft Protection Act ( XXXX  XXXX ). 

I assert unequivocally that I have not provided consent for ONEMAIN to report any information to my credit report. This lack of authorization constitutes a violation of my rights, exposes me to potential harm, and demonstrates a disregard for federal and Michigan laws. 

In addition to the federal FCRA provisions, Michigan law imposes specific requirements on entities handling consumer information. Under XXXX  XXXX, any unauthorized use or disclosure of personal information must be promptly corrected, and affected individuals must be notified. XXXX  unauthorized reporting may also constitute unfair trade practices under the Michigan Consumer Protection Act, XXXX XXXX ( XXXX ). 

I demand that ONEMAIN immediately cease reporting any information to my credit report without obtaining my explicit consent, as required by federal and Michigan law. You are further required to remove any unauthorized entries from my credit report and provide written confirmation of this action within 30 days of this notice. Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General 's Office, and pursuing legal remedies under applicable laws. 

This demand is not negotiable but a legal obligation under the FCRA and Michigan state law. I urge you to address this matter promptly to avoid further legal consequences. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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 formally notify you that I am a victim of the data breach and fraudulent activity has occurred using my personal information. In accordance with 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act, I request that all accounts and inquiries resulting from identity theft or fraudulent activity be blocked and deleted from my credit file. 
Specifically, I request that the reporting of fraudulent accounts be blocked and that all records related to the fraudulent accounts be permanently removed to ensure my credit file reflects accurate information. 
The following accounts have been identified as fraudulent and must be blocked and removed : XXXX. XXXX XXXX Account Number : XXXX High Balance : {$1100.00} Creditor Remarks : Account closed by XXXX XXXX XXXX. Collection Account Account Number : XXXX High Balance : {$1700.00} Original Creditor : XXXX XXXX  XXXX XXXX Remarks : Subject has not satisfied debt

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 2024-12-16 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: NC

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 2024-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have been divorced since XXXX. My ex husband had 30 days from XXXX to take my name off of his accounts. He has not and my credit is being greatly effected. I have already spent {$30000.00} divorcing him and he was awarded his car, the camper, and he has not been paying ether and we are linked through BECU. They keep closing my bank account and my credit is decreasing. I have been trying very had to get my credit to recover from this divorce and I can not afford to take him back to court. 

I have the account number. The camper has already been charged off and they are searching for him. His car he has not paid it since XXXX I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification :. XXXX {$720.00} XX/XX/XXXX. 
XXXX XXXX {$470.00} open XX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving 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 2024-12-16 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: AZ

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 non-monetary relief
Consumer complaint received 2024-12-16 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: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I sent a letter of validation. I did not receive what I asked for. I need proof of ownership with a my signature showing this is in fact my debt. I need a breakdown of why I owe midland the amount they show. I need proof of ownership with the purchase agreement. I sent them a letter of validation in XX/XX/year> and received attachments XXXX XXXX XXXX. I sent my letter of validation certified. They back dated all of their letters to XX/XX/year>. I did not receive any correspondence until XX/XX/year>. The letters were sent certified XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
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 already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I am a victim oXXXX XXXX XXXX XXXX and I could not submit my form online with the credit reporting agency I keep getting an error message making it impossible to correct the adverse items on my credit report. 


1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking. 

403 ( 3 ) ( B ) ( i ) of the Credit Repair Organizations Act, 15 U.S.C. 1679a ( 3 ) ( B ) ( i ) ), that : ( A ) Identifies any items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from a severe form of XXXX  in persons or XXXX XXXX  of which the consumer is a victim ; and ( B ) Must contain a preferred method for a consumer reporting agency to contact the consumer electronically or in writing such as an email address or physical address where mail can be received. A consumer reporting agency shall use only the consumer 's preferred method of contact for communications under paragraphs ( d ), ( XXXX ), and ( f ) of this section about the consumer 's submission and shall not use the consumer 's preferred contact information for any other purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: MI

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have 3 late payments. On my XXXX report there are 0 late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have 4 late payments. On my XXXX report there are 0 late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX  XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I was never late on this account. I have made all my payments on time. 
Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.

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 2024-12-16 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: MI

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX  XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I was never late on this account. I have made all my payments on time. 
Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.

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