vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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:
I became aware recently that somebody was using my information to open credit card accounts in my name, without my knowledge or consent... There is 2 accounts, ( XXXX XXXX, opened XX/XX/year>. And XXXX XXXX XXXX, opened XX/XX/year>. ) Both of these accounts were opened fraudulently, by stealing my identity and using it to open credit card accounts. I request these accounts get removed from my credit report, which is my right by law, according to the FAIR CREDIT REPORTING ACT, Section 605 ( b ) .... Please help me fix the damage caused by these people stealing my identity. Thank you. ( FCRA Section 605b, 15 U.S. Code 1681c2 - Block of information resulting from identity theft states that the credit reporting agencies, including you, Equifax, must initiate a Block of all fraudulent information I report to you within 4 business days. I will hold you to the law and demand my legal rights are granted. Any attempt to ignore, disobey, or otherwise not follow the law which is written in the Fair Credit Reporting Act will be reported to any and all proper authorities on the matter. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. 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 2024-10-02 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion has failed to conduct a reasonable investigation into disputed negative items on my credit report, including bankruptcy, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to TransUnion regarding inaccurate negative items on my credit report. In my letter, I requested specific information on how TransUnion verified the disputed accounts, including : The date they contacted the creditor Contact information for the creditor Name of the person who verified the item Method of communication used to verify the information Whether the creditor provided my Social Security number, address, and date of birth for verification To ensure proper verification of my identity, I included copies of my proof of identification, my Social Security card, and a recent utility bill. However, I received a response from TransUnion dated XX/XX/year>, stating that they would not process my request because it " didn't appear that you or a properly authorized third party sent it to us. '' This is inaccurate, as I personally submitted the dispute with all required documents. 

Under the FCRA, credit bureaus are required to conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information in their credit file. TransUnions refusal to investigate my dispute, despite receiving all necessary documentation, constitutes a violation of my consumer rights under the FCRA. 

The disputed items include : Negative payment history and additional inaccuracies that TransUnion failed to properly investigate. 
Bankruptcy : The information regarding the bankruptcy is inaccurate and incomplete. 

I am including copies of my original dispute letter sent to TransUnion on XX/XX/year> and TransUnions response letter dated 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 2024-10-02 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:
Re : You Violated the United States Code Law 15 U.S.C 1681 ( c ) ( 1 ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and I'm entitled to monetary compensation under FCRA 15 U.S code 1681s-2 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction that is not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Fraudulent Charge-Off/Collection please remove XXXX XXXX XXXX Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, XXXX, Equifax, XXXX I am writing to inform you that the account referenced above, which is listed on my credit report as a charge-off/collection, was opened or incurred fraudulently as part of identity theft. I did not open or authorize this account, nor am I responsible for any related charges. 15USC CODE 1681 As a victim of identity theft, I am requesting that this fraudulent account be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft and Assumption Deterrence Act, I demand that the account be fully deleted from my records with your agency, as well as from my credit reports with the three major credit bureaus ( Equifax, XXXX, and XXXX ). 

To support my claim, I am enclosing the following documents : Police Report/FTC Identity Theft Report A copy of the police report or FTC Identity Theft Report filed regarding the identity theft. 
Proof of Identity** : A copy of my driver 's license, passport, or other government-issued ID to verify my identity. 
Proof of Address A utility bill, lease agreement, or bank statement showing my current address. 

Please respond to this request within 30 days, as required by law, confirming the removal of this fraudulent account. If you need additional information to complete your investigation, do not hesitate to contact me. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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 feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

5 Q

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 2024-10-02 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: FL

Complaint narrative:
To Whom It May Concern, I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. Furthermore, I demand that you demonstrate your lawful authority to conduct business with me or any other contesting consumer. You do not have the right to act negligently, as you are holding me at risk of financial and creditworthiness harm. Therefore, I demand that if you are unwilling or unable to comply with my request within 20 days of receiving this notice of consumer complaint, you must immediately cease all derogatory or harmful actions towards me, including reporting or collecting any unverified, untrue, invalid, or non-compliant claims or debts. I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.

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 2024-10-02 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: TX

Complaint narrative:
I am filing this complaint because Experian has failed to conduct a reasonable investigation into the disputed negative items on my credit report, including a bankruptcy and multiple accounts, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year> tracking number XXXX, I mailed a dispute letter to Experian requesting an investigation into the inaccurate items on my credit report. I specifically requested detailed information on how they verified the disputed accounts, including : The date they contacted the creditor Contact information for the creditor Name of the person who verified the item Method of communication used to verify the information Whether the creditor provided my Social Security number, address, and date of birth for verification To ensure proper verification, I included a copy of my proof of identification, Social Security card, and recent proof of address. Despite providing all necessary documents, Experian responded via email on XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This response is inaccurate because I personally submitted the dispute with all the required documentation. 

According to the FCRA, when a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureau must conduct a reasonable reinvestigation. XXXX refusal to investigate my dispute, despite receiving proper documentation, is a clear violation of my rights under the FCRA. 

The disputed items include : Bankruptcy : Court Name : XXXX XXXX XXXX, TX XXXX Reference Number : XXXX I believe this information is inaccurate and incomplete. 
Other Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX As part of my original dispute, I requested a detailed description of the reinvestigation procedures, as required by 15 U.S.C. 1681i ( b ) ( 7 ), but Experian failed to provide this information. They neither verified nor investigated the accuracy of the information, which is a further violation of my rights under the FCRA. 

I am including copies of the following documents for your reference : My original dispute letter to XXXX, dated XX/XX/year>. 
XXXX response letter via email dated 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 2024-10-02 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: PR

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I sent well uploaded all documents they told me to upload so they could look into the possibility of discharging partial or full amount the letter was dated XX/XX/year> and said I had 30 days from that date to do it. Well I did and they still have yet to do anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BetterNOI, LLC
State: FL

Complaint narrative:
Attn : Screening Reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it XXXX concern, Please consider this a formal request to investigate and correct the following inaccurate items on my credit/consumer report issued by your agency. 
These items must be removed in order to show my true credit/consumer history. 
I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997.

As required by the Act, Under 15 U.S. Code : ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I requested that you reverify each of these items, and that the inaccurate items be deleted from my records. And ALL inaccurate deleted from ALL of your subsidiaries.

Items to be deleted for inaccuracy will be as follows : 1. All address listed are inaccurate. ( My address is listed above. ) XXXX. XXXX XXXX Proceedings are inaccurate. ( I never had an Eviction ) XXXX XXXX XXXX XXXX XXXX amount incorrect and have inaccuracy. 

XXXX. Collections XXXX XXXX account never was in collection. ( Account paid in full ) XXXX XXXX Accounts XXXX of the following listed accounts are past the statute of limitations. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX XXXX Accounts XXXX listed XXXX XXXX are inaccurate due to wrong amounts, paid status. Please reinvestigate all XXXX Accounts. 

Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from your receipt of this letter to re-verify these entries. 
According to the law, failure to correct/delete inaccuracy items within XXXX ( XXXX ) days constitutes reason to deleted/drop the information from my consumer/credit file. And all of your subsidiaries notified of all corrections. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted.

Under 15 USC Section 1681J, there should be no charge for this notification or for the corrected copy of my consumer/credit report.

I will also inform the Consumer Financial Protection Bureau of the request. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-10-02 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: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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