vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.

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 2024-05-14 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: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: UT

Complaint narrative:
delete hard inquiries accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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 non-monetary relief
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
XXXX  Account number XXXX you are reporting this collection as an " OPEN account which is not under the FCRA Complicance. this is inaccurate reporting and this need to be removed immediately. please send me a copy of my credit report when the above delection has been removed .Please attach copies of the following XXXX, the purchase agreement XXXX Name and address of the original creditor XXXX, Date of the original charge off or delinquency XXXX The date this alleged debt became payable XXXX, The original contract and signature on file

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 2024-05-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint serves as a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 
While I acknowledge that errors can occur, it is important to rectify this inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome. 
XXXXXXXX XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am now requesting information regarding a previous investigation in accordance with FCRA 611 ( aI ( 6 ) ( B ) ( iii ). I submitted my dispute via CFPB # XXXX XXXX XXXX  and your agency acknowledged receipt on XXXX and sent me the results that 2 accounts were verified on XXXX I am requesting that you send me the Procedures you used that led to the 2 accounts below to be verified.

I would like to request all records that will reveal the Procedures that you used along with the name ( s ) of the person ( s ) you spoke with and their business name, address and telephone number ( s ).

Please send me the proof that my Privacy Rights were not violated because I gave no one permission to furnish/ publish these accounts on my credit report.

FCRA Section 602 states I have a right to privacy and FCRA Section 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without the consumers written instructions.

I did not give any consent/permission nor did I give your agency any type of written instruction for the accounts to appear on my Experian credit report. 

XXXX ) XXXX # # XXXX XXXX ) Portfolio Recovery # XXXX Please forward me the information I am requesting in accordance with FCRA611 ( a ) ( 6 ) ( B ) ( iii ) within 15 Days.

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 2024-05-14 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:
I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached IDTheft report 1. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXXXXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXXXXXX XXXX  XX/XX/year> 4. XXXX 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 non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
They close the account in XXXX of XXXX and said theyll send me my funds via check thru mail. It was a total of XXXX. When I reach out after the date had passed that I was supposed to receive the check in the mail I was told that the back office was in control and thats who I should speak with. Well when I was finally able to get someone from the back office online they told me that they could not give me anymore 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 2024-05-14 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: NJ

Complaint narrative:
I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. I need the accounts below DELETED from my report : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14 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: SC

Complaint narrative:
Dear [ TransUnion/XXXX XXXX Identity Theft and Fraud Department, I am writing to urgently address identity theft reflected on my credit report. On XX/XX/2024, I submitted a dispute regarding several unauthorized accounts and transactions appearing on my report. 

These accounts were clearly opened fraudulently, potentially by someone using a similar name or stolen identification. I never authorized, used, or benefitted from these accounts in any way. 

The Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) mandates that disputed information believed to be a result of identity theft be blocked within four business days of receiving a dispute. As of today, XX/XX/2024, it has exceeded this timeframe. 

I have attached documentation, including a copy of my original dispute and supporting evidence ( XXXX XXXX XXXX XXXX, ID theft reports, sworn testimony ) for your review. 

I request immediate action to : Block the disputed accounts from further reporting on my credit report. 
Investigate the fraudulent activity and remove all unauthorized information permanently. 
I take the security of my credit report very seriously. Please confirm receipt of this urgent request and provide a clear timeline for resolving this matter. 

Thank you for your prompt attention to this critical issue. 

Sincerely, 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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear [ TransUnion/Equifax/Experian ] Identity Theft and Fraud Department, I am writing to urgently address identity theft reflected on my credit report. On XX/XX/year>, I submitted a dispute regarding several unauthorized accounts and transactions appearing on my report. 

These accounts were clearly opened fraudulently, potentially by someone using a similar name or stolen identification. I never authorized, used, or benefitted from these accounts in any way. 

The Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) mandates that disputed information believed to be a result of identity theft be blocked within four business days of receiving a dispute. As of today, XX/XX/year>, it has exceeded this timeframe. 

I have attached documentation, including a copy of my original dispute and supporting evidence ( XXXX XXXX, XXXX XXXX, ID theft reports, sworn testimony ) for your review. 

I request immediate action to : Block the disputed accounts from further reporting on my credit report. 
Investigate the fraudulent activity and remove all unauthorized information permanently. 
I take the security of my credit report very seriously. Please confirm receipt of this urgent request and provide a clear timeline for resolving this matter. 

Thank you for your prompt attention to this critical issue. 

Sincerely, 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 2024-05-14 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a XXXX XXXX XXXX  & XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, causing XXXX XXXX XXXX XXXX & creating XXXX XXXX XXXX XXXX XXXX XXXX. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX XXXX XXXX XXXX XXXX, causing XXXX XXXX XXXX XXXX & creating XXXX XXXX XXXX XXXX XXXX XXXX. The following items that you must remove are listed below : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the failure to remove an inaccurate charge-off account from my credit report. Despite previous disputes and requests for its removal, the charge-off account with the account number XXXX, attributed to the company XXXX XXXX XXXX XXXX persists on my credit report. 

The inclusion of this inaccurate charge-off account on my credit report has had a detrimental impact on my creditworthiness and financial standing. I have made repeated attempts to rectify this issue by submitting disputes and providing supporting documentation, yet the erroneous entry remains unresolved. 

I would like to emphasize that I have no association with XXXX XXXX XXXX and have never incurred any debt or obligation with this company. Therefore, the presence of this charge-off account on my credit report is not only inaccurate but also unjust and damaging to my credit profile. 

I demand that immediate action be taken to rectify this matter by removing the inaccurate charge-off account from my credit report. Additionally, I request a thorough investigation into the circumstances surrounding the reporting of this account and the failure to address my previous disputes in a timely and effective manner. 

Furthermore, I expect compensation for the inconvenience, frustration, and potential harm caused by the continued presence of this inaccurate information on my credit report. 

Enclosed with this letter are copies of previous dispute correspondence, as well as documentation supporting my claim of the inaccuracies associated with the charge-off account in question. 

I anticipate a prompt response to this complaint, detailing the actions taken to address this issue and provide restitution for the damages incurred. Failure to do so may result in further legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
Destiny /FB Credit Card is on my account fraudulently the account has been opened since XX/XX/2023 Ive reported the issue several times to the credit bureau I need this item disputed off my ASAP Ive submitted a copy of my drivers license and ss card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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:
On XX/XX/XXXX I contacted XXXX to notify them that they had misutilized my information and published nonpublic information without my consent. My nonpublic personal information was shared with third party non affiliate agencies both by my bank and the credit reporting agency. I expressed my right to opt out pursuant to 15 USC 6802. My rights under the Privacy Act of 1974, 15 USC 1681, 17 CFR 424, 16 CFR 313.10 ( a ) ( 1 ) ( iii ), 16 CFR 313.7 ( f ) upon others were violated by the publishing and sharing of my information by XXXX, XXXX, and Experian along with the banks and credit unions which shared this information with the third party non affiliates. My credit information was shared without proper disclosure to third parties which reflected promotional inquiries on my credit report. There were numerous non mailable addresses listed on my report. There were soft and hard inquires along with transaction history and income listed on my report. Not only was I not provided proper disclosure that this information was shared and published, but it is also illegal to report income as explained in the IRS publication 4681. Please read the attached letter for a detailed description of these specific violations which were neither cured nor acknowledged by the credit reporting agency.

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 2024-05-14 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: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
On XX/XX/year>, I reached out to all 3 credit bureau to notify them that i noticed some addresses on my credit report that did not belong to me. I was able to get one address removed from my credit report, but was unable to do so because of the multiple addresses and accounts thats in collections reporting to those accounts that did not belong to me. 

Im unable to finance for loans to do XXXX to XXXX XXXX because I have inaccurate & discrepancy on my credit report with all 3 credit bureaus. 

I reached out to all collections agencies that were reporting the inaccurate information to my credit report and requested to get all debt that was linked to the address that didnt belong to me removed and both the collections agencies & credit bureau refused to move those accounts or fix the information reporting on my credit report. 

I XXXX XXXX didn't give written permission to have those accounts furnished on my credit report. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal 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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
I have been making consistent payments since XX/XX/2023 so that I can pay off my credit card balance. I am asking the credit card company to close out my account with a final payment of {$77.00}. The balance continues to increase and I have been increasing the payment amount to {$50.00} and {$100.00}. I need my credit score to reflect my payments.

Company response to consumer: Closed with explanation