vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been notified of a potential violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 USC 1681, due to a data breach that resulted in the unauthorized disclosure of my personal information. I am requesting your immediate attention and assistance in addressing this matter. 

On XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, I became aware that my personal information, including information, such as Social Security number, credit card information, or other sensitive data, was exposed during a data breach involving XXXX, Transunion and XXXX Credit Bureau. I believe this breach has compromised my right to privacy as protected by the FCRA, which mandates that consumer information be handled securely and only for permissible purposes. 

Since discovering this breach, I have experienced significant distress and inconvenience, and I am concerned about the potential for further misuse of my information. 
Under the FCRA, I understand that I have the right to : 1. Be notified of any unauthorized access or disclosure of my personal information.

2. Dispute inaccurate or incomplete information contained in my credit reports.

3. Take action against entities that fail to uphold their legal responsibilities under the Act.

I respectfully request the following actions : 1. Investigate the circumstances surrounding the data breach and the exposure of my personal information. 
XXXX. Provide me with detailed information about how my data was compromised and the measures being taken to prevent future breaches.

3. Assist me in addressing any inaccuracies in my credit report that may have resulted from the unauthorized use of my information.

4. Hold accountable any entities responsible for negligence or failure to comply with the provisions of the FCRA.

I have enclosed copies of relevant documents, such as notifications of the breach, credit reports, or correspondence with the company involved to support my claim. Please let me know if additional documentation is required.

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 2024-12-30 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: NC

Complaint narrative:
I have been notified of a potential violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 USC 1681, due to a data breach that resulted in the unauthorized disclosure of my personal information. I am requesting your immediate attention and assistance in addressing this matter. 

On XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, I became aware that my personal information, including information, such as Social Security number, credit card information, or other sensitive data, was exposed during a data breach involving Experian, XXXX and XXXX Credit Bureau. I believe this breach has compromised my right to privacy as protected by the FCRA, which mandates that consumer information be handled securely and only for permissible purposes. 

Since discovering this breach, I have experienced significant distress and inconvenience, and I am concerned about the potential for further misuse of my information. 

Under the FCRA, I understand that I have the right to : XXXX. Be notified of any unauthorized access or disclosure of my personal information.

2. Dispute inaccurate or incomplete information contained in my credit reports.

3. Take action against entities that fail to uphold their legal responsibilities under the Act. 

I respectfully request the following actions : XXXX. Investigate the circumstances surrounding the data breach and the exposure of my personal information. 
XXXX. Provide me with detailed information about how my data was compromised and the measures being taken to prevent future breaches.

3. Assist me in addressing any inaccuracies in my credit report that may have resulted from the unauthorized use of my information.

4. Hold accountable any entities responsible for negligence or failure to comply with the provisions of the FCRA.

I have enclosed copies of relevant documents, such as notifications of the breach, credit reports, or correspondence with the company involved to support my claim. Please let me know if additional documentation is required.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-30 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Fraudulent account opened using my personal information. Also several attempts to get credit using my name and personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-30 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the debt associated with Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported by your agency as follows : Original Creditor : ** XXXX Original Amount Owed : ** {$4000.00} Current Amount Owed : ** {$4100.00} Date Assigned : ** XX/XX/XXXX Balance Date : ** XX/XX/XXXX Status : ** Unpaid This account contains inaccurate and incomplete information that violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **Incorrect Balance : ** There is a discrepancy between the original amount owed and the current amount. Please provide a detailed breakdown explaining the additional charges added to the original balance of {$4000.00}, which now reflects {$4100.00}. 

2. **Unverifiable Information : ** The status date, balance date, and account details are ambiguous and lack supporting evidence. Please provide documentation verifying the debt, including : - A copy of the original agreement with XXXX, showing my signature. 
- A detailed account of all payments, charges, and fees applied. 

3. **Account Designator and Classification Concerns : ** This account is reported as an **INDIVIDUAL_ACCOUNT** under **BANKING** classification. I request verification to ensure these designations are accurate and consistent with the original creditor 's reporting. 

4. **Date of First Delinquency : ** The " Date of First Delinquency '' is listed as XX/XX/XXXX. This date must be substantiated with appropriate records from the original creditor. 

Furthermore, the comment on this account states that the " **CONSUMER DISPUTES THIS ACCOUNT INFORMATION**. '' If this has been previously disputed, I request the results of your investigation and all evidence considered.

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 2024-12-30 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: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the debt associated with Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported by your agency as follows : Original Creditor : ** XXXX Original Amount Owed : ** {$4000.00} Current Amount Owed : ** {$4100.00} Date Assigned : ** XX/XX/XXXX Balance Date : ** XX/XX/XXXX Status : ** Unpaid This account contains inaccurate and incomplete information that violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **Incorrect Balance : ** There is a discrepancy between the original amount owed and the current amount. Please provide a detailed breakdown explaining the additional charges added to the original balance of {$4000.00}, which now reflects {$4100.00}.

2. **Unverifiable Information : ** The status date, balance date, and account details are ambiguous and lack supporting evidence. Please provide documentation verifying the debt, including : - A copy of the original agreement with XXXX, showing my signature. 
- A detailed account of all payments, charges, and fees applied. 

3. **Account Designator and Classification Concerns : ** This account is reported as an **INDIVIDUAL_ACCOUNT** under **BANKING** classification. I request verification to ensure these designations are accurate and consistent with the original creditor 's reporting. 

4. **Date of First Delinquency : ** The " Date of First Delinquency '' is listed as XX/XX/XXXX. This date must be substantiated with appropriate records from the original creditor. 

Furthermore, the comment on this account states that the " **CONSUMER DISPUTES THIS ACCOUNT INFORMATION**. '' If this has been previously disputed, I request the results of your investigation and all evidence considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: SC

Complaint narrative:
XXXX NUMBER ENDING IN XXXX XXXX XXXX XXXX has a error of XXXX late payment on my Equifax credit report. I have contacted Equifax I talked to an agent about this matter and has been over 45 days from the last dispute since this matter has not been fixed for the month of XXXX AND XXXX XX/XX/XXXXXX/XX/XXXXi never missed a payment. I have attached a payment history from XX/XX/XXXXaccount ENING in XXXX and it show I never was 60 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-30 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: Verisk Analytics Inc
State: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
My name is XXXX XXXX, I am submitting this complaint on behalf of myself. There no 3rd party company disputing on my behalf. Please do not send me a automated responce. All documents will be uploaded to support my dispute.

I recently received a copy of my credit report in the mail that you sent out with the investigation results that you were not able to verify correctly. I noticed accounts on my report that were not granted permission to post on my credit report. I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have I given any 3rd party consent to furnish a report. Please do not respond with automated letters or messages, as I am writing this letter on my own behalf

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am following up on my previous dispute regarding the collection account listed on my credit report under the account XXXX XXXX In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
MY NAME IS XXXX XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF, THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT ME SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED IN THIS DISPUTE! 

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and i have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXXXXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2024-12-30 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-12-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: PA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I've tried to resolve these issues with them before. They're violating my rights, and I'm owed {$1000.00} for each violation I mentioned. They need to either pay me or delete these accounts right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: AL

Complaint narrative:
The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX report on XX/XX/2024 and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( 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.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation