vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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:
Subject : Removal of Unverified Accounts from Credit Report Details : I am submitting this complaint to request the removal of unverified accounts from my credit report. I have made several attempts to resolve this matter directly with the credit reporting agency, to no avail. These unverified accounts remain on my report, causing financial harm and negatively impacting my creditworthiness. 

Below is a timeline of my attempts to resolve the issue : XX/XX/year> : Sent notice requesting verification of the accounts. 
XX/XX/year> : Followed up with another notice, reiterating my concerns. 
XX/XX/year> : Submitted an affidavit of facts, which has gone unanswered. 
XX/XX/year> : Sent a second affidavit, which also remains unrebutted. 
XX/XX/year> : Issued a final notice to the credit reporting agency, but no response has been provided. 
Under the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.21 - Consumer Opt-Out Notices, consumer reporting agencies are required to provide mechanisms to prevent the inclusion of inaccurate or unverified information and allow consumers to opt out of certain reporting when it can not be verified. Despite this, the credit reporting agency has failed to take the necessary steps to verify or remove the disputed accounts.

Step 3 : Highlight the Financial Harm and Legal Basis The unverified accounts are causing significant financial harm by : Impeding my access to fair credit.

Undermining my financial stability.

Creating undue stress and impairing my ability to make necessary financial decisions.

Pursuant to Section ( a ) of the FCRA and 12 CFR 1022.130 - Reasonable Policies and Procedures for Ensuring Accuracy and Integrity, the following apply : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system.

Consumer reporting agencies must ensure that the information they report is accurate, impartial, and respectful of the consumers right to privacy.

The credit reporting agencys failure to rebut my affidavits or verify the disputed accounts constitutes a violation of the opt-out provisions under the FCRA and related regulations. Furthermore, under 12 CFR 1022.140, consumer reporting agencies must establish adequate methods for investigating and resolving disputed information, which they have not adhered to in this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
Subject : Removal of Unverified Accounts from Credit Report Details : I am submitting this complaint to request the removal of unverified accounts from my credit report. I have made several attempts to resolve this matter directly with the credit reporting agency, to no avail. These unverified accounts remain on my report, causing financial harm and negatively impacting my creditworthiness. 

Below is a timeline of my attempts to resolve the issue : XX/XX/year> : Sent notice requesting verification of the accounts. 
XX/XX/year> : Followed up with another notice, reiterating my concerns. 
XX/XX/year> : Submitted an affidavit of facts, which has gone unanswered. 
XX/XX/year> : Sent a second affidavit, which also remains unrebutted. 
XX/XX/year> : Issued a final notice to the credit reporting agency, but no response has been provided. 
Under the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.21 - Consumer Opt-Out Notices, consumer reporting agencies are required to provide mechanisms to prevent the inclusion of inaccurate or unverified information and allow consumers to opt out of certain reporting when it can not be verified. Despite this, the credit reporting agency has failed to take the necessary steps to verify or remove the disputed accounts.

Step 3 : Highlight the Financial Harm and Legal Basis The unverified accounts are causing significant financial harm by : Impeding my access to fair credit.

Undermining my financial stability.

Creating undue stress and impairing my ability to make necessary financial decisions. 
Pursuant to Section ( a ) of the FCRA and 12 CFR 1022.130 - Reasonable Policies and Procedures for Ensuring Accuracy and Integrity, the following apply : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system.

Consumer reporting agencies must ensure that the information they report is accurate, impartial, and respectful of the consumers right to privacy.

The credit reporting agencys failure to rebut my affidavits or verify the disputed accounts constitutes a violation of the opt-out provisions under the FCRA and related regulations. Furthermore, under 12 CFR 1022.140, consumer reporting agencies must establish adequate methods for investigating and resolving disputed information, which they have not adhered to in this case.

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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In 2021 this debt was handled and paid in full, I do have the letter provided by this company. We had an agreement that amount owed after paying them is XXXX  yet now they have put this back on my credit after receiving payment which is why I had them put it in writing, this should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: SC

Complaint narrative:
I lost my wallet and it contained my Social Security Card, ID, and my Debit Card

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 2024-12-18 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX  XX/XX/2023

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 2024-12-18 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Unauthorized Credit Inquiries Dear Experian, I am writing to dispute unauthorized credit inquiries made by the following companies, which I discovered while reviewing my credit report obtained from your bureau. I have not authorized any of these inquiries into my credit report, nor have I given consent to any companies to access my personal credit information. 

Inquired Entries : XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX  XXXX  XXXX XXXX, XXXX, CO, XXXX Purpose : Real Estate on behalf of XXXX XXXX  XXXX Scheduled Record : Until XX/XX/XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX Purpose : Unspecified Scheduled Record : Until XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CO, XXXX Purpose : Real Estate on behalf of XXXX XXXX XXXX Scheduled Record : Until XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Purpose : Real Estate on behalf of XXXX XXXX XXXX XXXX Scheduled Record : Until XX/XX/XXXX XXXX MO Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MI, XXXX Purpose : Real Estate Scheduled Record : Until XX/XX/XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CO, XXXX Purpose XXXX Real Estate of < {$100.00} on behalf of XXXX XXXX XXXX Scheduled Record : Until XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ), a company must have a permissible purpose and my written consent to access my credit report. These inquiries are a violation of my privacy rights and federal law.

I hereby request the following : Provide me with a copy of my signed authorization form granting permission to these companies to access my credit report.

If you can not provide proof of authorization, please immediately remove these unauthorized inquiries from my credit report.

Please provide written confirmation within five ( 5 ) business days to verify that my request has been addressed. Failure to comply with this request will leave me no choice but to pursue legal action, including seeking statutory damages, punitive damages, and recovery of reasonable attorney fees as allowed under 15 U.S.C. 1681n.

This letter serves as notice that I am serious about protecting my legal rights. If you need to contact me, please do so in writing at the address provided above or via my phone number. 

Sincerely, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX IA 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 2024-12-18 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: IN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-12-18 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX Bankruptcy Dismissed Reference # XXXX Date Filed : XX/XX/year> XXXX  XXXX Bankruptcy Dismissed Reference # XXXX Date Filed : XX/XX/year> XXXX  XXXX Bankruptcy Dismissed Reference # XXXX Date Filed : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX Bankruptcy Dismissed Reference # XXXX Date Filed : XX/XX/year> XXXX  XXXX Bankruptcy Dismissed Reference # XXXX Date Filed : XX/XX/year> XXXX  XXXX Bankruptcy Dismissed Reference # XXXX Date Filed : XX/XX/year>

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 2024-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX & XXXX, 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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
They closed my account after I disputed a lawn care company that doesnt have a DBA name, doesnt have contact information anywhere. I provided them information showing them that my information was on the dark web and was clearly a targeted victim of scammers. They sided in my favor on one of the charges with this same company but wouldnt remove the other fraudulent purchase. 

Ive been trying to get this settled since last year. Have disputed numerous times. Right now Im in a dispute. 

They closed my account and its reflecting horribly on my credit profile. I have no problem with continuing to pay the money that I owe them but I wont continue to pay money that I didnt spend. 

The place is called XXXX XXXX and the charge was for {$2700.00} Transactions date XX/XX/2023 Ive sent them first class mail and everything. 

I want the closed account removed from my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My payout from the Equifax settlement is {$37.00}. I was given this amount on a virtual pre-paid card that does not work. Any attempts to use it informs me it is past its {$10000.00} daily limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX THE FOLLOWING IS A FRAUDULENT ACCOUNT AND NEEDS TO BE REMOVED : XX/XX/year> 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 explanation
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name.

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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