vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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: WI

Complaint narrative:
I recently obtained a copy of my most recent credit report, as I was reviewing the content of my report I noticed some very inaccurate and amiss information. It seems that my credit profile has been compromised by someone knowingly or unknowingly using my personal information. I, being a natural person and very aware that consumer reporting agencies need written instructions by I, THE CONSUMER to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. By definition, Transunion has committed identity theft. This is a violation of XXXX XXXX XXXX ( a ) ( XXXX ). 

XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
XXXX XXXX BANK XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized COMMUNITY FIRST CREDIT Date of inquiry : XX/XX/XXXX Please delete this from my credit report immediately XXXX. THIS IS A VIOLATION OF XXXX XXXX XXXX ( a ) ( XXXX ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX CREDIT/KOLOSSO TOY Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
CREDITONEBK Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
CAPITAL XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. THIS IS A VIOLATION OF XXXX XXXX XXXX ( a ) ( XXXX ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. THIS IS A VIOLATION OF XXXX XXXX XXXX ( a ) ( XXXX ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY

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 2024-06-09 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: WI

Complaint narrative:
I recently obtained a copy of my most recent credit report, as I was reviewing the content of my report I noticed some very inaccurate and amiss information. It seems that my credit profile has been compromised by someone knowingly or unknowingly using my personal information. I, being a natural person and very aware that consumer reporting agencies need written instructions by I, THE CONSUMER to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. By definition, XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ).

1. Under 15 U.S. Code 1681b Permissible purposes... 
XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete this from my credit report immediately 4. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 5. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CBC Companies, Inc.
State: MN

Complaint narrative:
I am currently involved in a civil suit for a force sale of the house that I own with my ex significant other. He ran a credit report with XXXX XXXX using my other house I own as his current address in which he has never lived there to get a better credit score. The mortgage agent knew this address was false and ran it anyway because she is the one who helped me finance the house. Due to the running of this credit score my other 2 houses I own were on there in which one house he has never lived in also. Therefore he committed fraud and than submitted the credit report in his court document and that is how I found out. Now I am unable to check my credit report due to this fraudulent action and am currently in the process of buying a house. This was an act that he did deliberately and I have the report as proof along with thr court. His name is XXXX XXXXfiled a credit report with XXXX XXXX with the report filed by XXXX field. Loan number XXXX ... reference number XXXX by factual data company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies regarding an account listed under XXXX. The details are as follows : Account Number : XXXX Account Type : Open Account Account Type - Detail : Telecommunications/Cellular ( TransUnion ), Collection ( XXXX ) Bureau Code : Individual Account Status : Derogatory Balance : {$6500.00} High Credit : {$6500.00} Credit Limit : {$0.00} Past Due : {$6500.00} Payment Status : Collection/Chargeoff ( TransUnion ), Late 120 Days ( XXXX ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date Last Active XXXX XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date of Last XXXX : - ( TransUnion ), XX/XX/XXXX ( XXXX ) Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Consumer disputes- reinvestigation in progress Collection account Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. Please provide a detailed account of how the balance of {$6500.00} was determined.

Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request. 

Specific Issues and Discrepancies : Differences in the Date Opened : TransUnion states XX/XX/XXXX and XXXX states XX/XX/XXXX. 
Variations in the Date Last Active : TransUnion indicates XX/XX/XXXX and XXXX indicates XX/XX/XXXX. 
Payment Status : TransUnion reports Collection/Chargeoff while XXXX reports XXXX XXXX Days. 
Please provide the requested information and correct the inaccuracies on my credit report. I expect your response within the time frame specified by law. If the requested information is not provided or if the discrepancies are not resolved, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and possibly seeking legal advice.These accounts have erroneous and inaccurate information and have different opening dates in Transunion and XXXX, different amounts and do not say who the supposed original creditor is. They are reporting inaccurate information in Transunion and 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 2024-06-09 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dob : XX/XX/year> SS # To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This is my 3rd attempt at having you delete this inaccurate information. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that these accounts : XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX XXXX  Reported Balance {$9200.00} XXXX XXXX XXXXccount Number XXXX XXXX Reported Balance {$16000.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The reporting of these accounts are violations of 15 USC 1681e ( b ) ( 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. 
How can you verify inaccurate information? You have violated XXXX Compliance procedures and format for reporting! 
Delete thesw accounts from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
please, what is it to you? defending apple as if they even care about you. you are defending criminal activity and not bringing justice to the people even when its literally your job. Sounds like a POWER TRIP. 

There is many inconsistencies from this across bureaus and they have re-aged my account for 13+ months straight. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/year> SS # To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This is my 3rd attempt at having you delete this inaccurate information. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that these accounts XXXX XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX XXXX  Reported Balance {$9200.00} XXXX XXXX Account Number XXXX XXXX Reported Balance {$16000.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate.

15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these accounts are violations of 15 USC 1681e ( b ) ( 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.

How can you verify inaccurate information? You have violated XXXX Compliance procedures and format for reporting! 
Delete thesw accounts from my consumer reports.

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 2024-06-09 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/year> SS # To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This is my 3rd attempt at having you delete this inaccurate information. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that these accounts : XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX XXXXXXXX Reported Balance {$9200.00} XXXX XXXX  Account Number XXXX XXXX Reported Balance {$16000.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The reporting of these accounts are violations of 15 USC 1681e ( b ) ( 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.

How can you verify inaccurate information? You have violated XXXX Compliance procedures and format for reporting! 
Delete thesw accounts from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies regarding an account listed under XXXX. The details are as follows : Account Number : XXXX Account Type : Open Account Account Type - Detail : Telecommunications/Cellular ( XXXX ), Collection ( Equifax ) Bureau CoXXXX : Individual Account Status : Derogatory Balance : {$6500.00} High Credit : {$6500.00} Credit Limit : {$0.00} Past Due : {$6500.00} Payment Status : Collection/Chargeoff ( XXXX ), Late 120 Days ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Last Active XXXX XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date of Last Payment : - ( XXXX ), XX/XX/XXXX ( Equifax ) Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Consumer disputes- reinvestigation in progress Collection account Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. Please provide a detailed account of how the balance of {$6500.00} was determined.

Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request. 

Specific Issues and Discrepancies : Differences in the Date Opened : XXXX states XX/XX/XXXX and Equifax states XX/XX/XXXX. 
Variations in the Date Last Active : XXXX indicates XX/XX/XXXX and Equifax indicates XX/XX/XXXX. 
Payment Status : XXXX reports Collection/Chargeoff while Equifax reports Late 120 Days. 
Please provide the requested information and correct the inaccuracies on my credit report. I expect your response within the time frame specified by law. If the requested information is not provided or if the discrepancies are not resolved, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and possibly seeking legal advice.These accounts have erroneous and inaccurate information and have different opening dates in XXXX and Equifax, different amounts and do not say who the supposed original creditor is. They are reporting inaccurate information in XXXX and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: NY

Complaint narrative:
I am initiating a report to contest and look into these incorrectly listed accounts on my credit file. Per the Fair Credit Report Act, I am entitled to {$1000.00} for each error. According to FCRA 605B, we must report any erroneous accounts on a consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : Radius XXXX XXXX XXXX XXXXXXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation