vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Im submitting today a complaint to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that are being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IN, XXXX, XXXX XXXX XXXX, XXXX XXXX, IN, XXXX, XXXX XXXX XXXX, XXXX XXXX, IN, XXXX, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXX  XXXX Balance : {$3500.00}, XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$4100.00}, XXXX XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$320.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2024-01-04 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: KS

Complaint narrative:
There are substantial amounts of inquiries on my credit report that I have not made I would like them removed state law 609 requires a investigation

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 2024-01-04 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: AL

Complaint narrative:
I just got my credit report on XX/XX/2024, and noticed some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1981e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC1681e ( b ).

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.

They must be blind everything is inconsistent.

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 2024-01-04 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: FL

Complaint narrative:
These are some of the TransUnion, XXXX, XXXX. companies to eliminate. 
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 non-monetary relief
Consumer complaint received 2024-01-04 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:
These are some of the XXXX, Experian, XXXX. companies to eliminate. 
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 non-monetary relief
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-04 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: KY

Complaint narrative:
Per FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and non-verbal per 15 USC 6802.

In accordance with the Fair Credit Reporting act. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ( AN ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion and XXXX reports donot match the XXXX 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 non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
I recieved a prepaid gift card from my employer as a performance reward in XX/XX/XXXX which was loaded with XXXX USD. I attempted redeem the value of this card on XX/XX/XXXX and noticed that the card had expired on XX/XX/XXXX. I called the issuing entity, Northlane which is now owned by XXXX, on XX/XX/XXXX and requested the issuer send me a new card with a modified expiration date. The company representative informed me that due to the " terms and conditions '' of the issuer, they would not replace the card and the value on the card was forfeit. 

My understanding is that this is in violation of Federal Law, specifically the Credit Card Responsibility and Disclosure Act ( CARD Act ) Title IV Sec. 401, which mandates that prepaid cards, defined by the statute as any card that is redeemable at multiple, unaffiliated merchants or service providers, or automated teller machines ; issued in a requested amount ; purchased or loaded on a pre-paid basis ; and honored upon presentation, may not expire sooner than 5 years after issuance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX claims that I legally owe them money, but I will only pay under certain conditions. I demand that they provide the following : 1. Validation of the debt, that is, the actual accounting ; 2. Validation of a signed invoice ; and 3. A copy of the contract binding both parties, myself, and their company, in a letter by certified mail so that there is an independent witness to it having been delivered. I would like to bring to your attention that XXXX and XXXX have already removed this account from their records. There was an error present, and they were able to find it. I am confused as to how you have verified it while the other bureaus have removed it. I would like to remind you that it is your legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that the information reported on my credit report is accurate and verifiable. I hope that you will take this matter seriously and remove the incorrect information from my credit report 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 2024-01-04 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: KY

Complaint narrative:
Per FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and non-verbal per 15 USC 6802.

In accordance with the Fair Credit Reporting act. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ( AN ( 1 ) 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 2024-01-04 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: KY

Complaint narrative:
Per FCRA as a federally protected consu

mer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and non-verbal per 15 USC 6802. In accordance with the Fair Credit Reporting act. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ( AN ( 1 ) 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 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Presto Loan Center, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, we let Presto know that we are attempting to have to loan paid off, as the vehicle is being sold to XXXX. Since that time, they have continued to refuse to submit the specific letter requested by autonation stating title will be sent to them. It delays the process, we have even drafted the letter for them and the loan has increased daily XXXX. They then told us they would supply the letter if XXXX contacted them, XXXX requires the customer to work this out between Presto, therefore on XX/XX/2024 I drafted a letter that is needed and they refused to use the letter again, AFTER stating they would be willing to submit the letter in order for the loan to be paid off. The tactics cause a delay and in the meantime, although the loan will be paid off, they continue to call to collect on the account. No one knows what is going on when I call and I always have to reiterate everything I stated before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I just got collections on my account for {$4000.00} from XXXX XXXX XXXX. The debt collector is Consumer ADJ CO. My report says is was opened on XX/XX/XXXX. They tried to contact me once and said this was a collection from XXXX and I told them that I never got a loan and that, that information was false. I dont have any paperwork from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$250.00}.

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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Duncan Solutions, lnc.
State: NC

Complaint narrative:
I received a statement in the mail from Professional Account Management , LLC ( XXXX ), stating that I owed a debt that I am not aware of. Furthermore, I never conducted any type of business with this entity so I am not sure how you obtained my personally identifiable information. I do not consent to this alleged debt, and I will not be paying it. This is your notice to cease and desist all communications in relation to this alleged debt unless the debt is both validated and verified within 15 calendar 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 2024-01-04 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: UT

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Th US. nts slow a se vi. States nave 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 ) ( 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. 
Delete the accounts below : delete XXXX INQUIRIES en Experian : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX delete XXXX INQUIRIES en XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX delete XXXX inquiries en XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, payment not late account 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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I checked my credit and saw they stated them money in the amount of {$240.00} for a XXXX  account. I have never used XXXX  and I never got a debt validation letter from them nor from XXXX. I have never heard anything from this company until I checked my credit and saw it was on there. Due to not being informed within the XXXX  day time frame to dispute this fraudulent account, I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 
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 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute several accounts on my credit report that have been inaccurately listed. The accounts in question are : DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX Open : XX/XX/XXXX Balance : {$0.00}, and DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}. The accounts have been listed inaccurately using someone else 's information. Furthermore, it is a major error that they are listed as being 120 days late without first posting 30 days late. I demand that you verify all information for these accounts, including incomplete name spelling, address of record, and any other inaccuracies that may exist. If you are unable to remove these accounts from my credit file immediately, I will have no choice but to escalate this matter to the appropriate regulatory authorities. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Regarding the XXXX  XXXX XXXX XXXX account, I am confused as to how you have verified this account when XXXX have already removed it from their records. The bank agreed to remove it after it was paid. I demand that you delete this account from my file 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The ERRORS reporting on this account are astronomical and is in direct violation of CDIA standards and FCRA laws. Please delete the inaccurate reporting off my credit report! I HAVE OUTLINED EVERY INCACCURACY, PLEASE FIX THIS***-**Misrepresentation is FRAUD! Please remove these unvalidatable claims at once! *** I hereby present the details pertaining to XXXX XXXX XXXX and XXXX. It is imperative to acknowledge that the aforementioned data has not been certified to conform to any recognized reporting standards. Therefore, the accuracy, currency, and comprehensiveness of the data can not be guaranteed. Furthermore, it is important to note that this information might be incomplete, outdated, or lacking proper support. In light of these circumstances, I kindly request the removal of any erroneous or unsupported content from the aforementioned page. 

Please find the attachment down below, Best Regards 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