vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - XXXX in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.

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 2023-10-05 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have carefully reviewed my credit report in the 3 major credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : 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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2023-10-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I am writing to seek assistance in a matter concerning a XXXX XXXX XXXX XXXX  that I purchased with a value of {$500.00} from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX, on XX/XX/, at XXXX XXXX  The card number indicated on my receipt is XXXX Immediately upon purchase, the card was activated. Regrettably, the following day, I realized that the card was lost, and despite my efforts, I have been unable to locate or recover it. In light of this, I promptly contacted the helpline at XXXX, which is listed on another gift card of the same type, to request a replacement card. 

However, I encountered difficulty during my attempts to secure a replacement card, as my request was denied each time I contacted the provided phone number. The denial was based on my inability to provide the card number. I wish to bring to your attention that I possess the original purchase receipt for the gift card, which clearly displays the card number. Unfortunately, the agent I spoke to over the phone was unable to recognize this card number. Additionally, I have in my possession the credit card used for the initial purchase of the gift card, providing further proof of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was informed by XXXX XXXX that my credit score had dropped by XXXX points on XX/XX/2023, per Transunion Credit Reporting. I checked to see if someone had opened new accounts under my name or maxed out my credit cards but neither thing had occurred. My credit/debt ratio and utilization of OVERALL credit hadn't changed, the amount was relatively the same as it had been the previous month. In fact, with my paying down my car loan by {$300.00} the previous month, my credit score should have improved. 

I tried to reach out to Transunion and the only " Consumer Service '' they offer is a free copy of the credit report. There is no customer assistance available by phone or on their website for the customer to find out why their credit score would have a precipitous drop, and there is no mechanism to dispute the drop. Transunion 's drop of my credit score was mimicked by XXXX within 2 days. The XXXX point drop affects my car insurance rate and will have other cascading effects that are costly and deleterious. 

I believe there was an error in Transunion 's algorithm because there is no reason why my score went down. I request that Transunion check for system errors regarding my account specifically. If there is a reason for the drop in my credit score, I request to know the reason. Transunion should also advise me of any appeals process available to dispute dramatic changes in credit scores. They need to provide transparency to consumers on what formula they are using to determine credit scores. It's obviously no longer based just on debt/credit ratio and timeliness of payments on accounts over time, because my score would be XXXX points more if those were the only criteria.

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 2023-10-05 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:
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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I was checking my credit report, XX/XX/2023 and I realize I saw some accounts in collections on my report that are in accurate and out of date and still reporting...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I contacted the Court and their response is that they DO NOTprovide any information to credit reporting agencies. 
If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have providedme letters that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
It is CLEAR that theBankruptcy Courts DO NOT report to any Credit Bureau, therefore the intital response Verifying the item with the Court was either an ERROR or a LIE. 

Either way, the reporting requirements DO NOT COMPLY withFCRA 611 ( 15 U.S.C. 1681I ) and the information MUST BE DELETED IMMEDIATELY. 
The Bankruptcy Courts have confirmed in the attached letters of their proceedures that they DO NOT report to the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

I have already sent a method to Verification to the Credit Bureaus asking them to Verify the debt and they have already stated the the item was Verified. 

Verify Account XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 


Name of Account - XXXX  Account Number - XXXX The Account also has multiple inconsistencies ( INCONSISTENT REF NUMBER AND NO CLOSING DATE ) ( COURT JURISDICTION DISCREPANCY )

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 2023-10-04 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: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with fair credit report act this Creditor has violated my rights under 15 U.S.C. 1681 sec 602 states I have the right to privacy,15 U.S.C . 1681 sec 604A sec 2 it also states A Consumer reporting agency can not furnish an account without my written instructions, under 15 U.S.C. 1666B A creditor may not treat a payment on a credit report account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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:
On XXXX, I received a Credit Karma alert indicating a new Hard Inquiry to my credit profile. I immediately logged into Credit Karma and saw a hard inquiry from XXXX XXXX XXXX of which I did not fill out an application for credit. I immediately called the phone number associated to the inquiry and spoke to phone agent in Fraud Application reporting the issue. The agent was apologetic and reported she would close down the application and send me an Identity Packet in the mail. To date, nothing received. Instead, 2 new credit applications submitted to XXXX XXXX in attempts to open credit and XXXX XXXX pulling my credit report. If a consumer calls once reporting fraud, why would XXXX XXXX allow further applications so close to the recent fraud date?! This appears irresponsible as a creditor and commitment to prevent fraud scammers. 

Please help me as now XXXX Credit Applications are submitted and XXXX XXXX is not doing anything to prevent this from continuing. I already reached out to TransUnion who gave me the run around for over an hour. Why is it so easy for a fraudster to commit fraud and a nightmare for the victim to get help. This is why I am reaching out to you. Please help!

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 2023-10-05 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: GA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TN

Complaint narrative:
Im begging you XXXX  remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
this company XXXX has violated the HIPAA law ( health insurance portability and accountability act of 1996 ). this company has yet to validate & verify the debts are questioned. i have sent various letters to these creditors and debt collectors but no one is complying with the FRCA law i have disputed with the credit bureaus XX/XX/XXXX they have responded with the debts being accurate however has not provided and release forms signed by me or even provided any documentation verifying the debts also, per 15 U.S.C 1681 there should not be any damages on my report it is a deflamation on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PR

Complaint narrative:
I am a lender with Nelnet, I have try calling them but they hardly pick up. I spend over 2.5 hrs. To no avail. It semsthere are some inconsistent information in my forbearance in which they say I don't have to pay anything until XX/XX/2024, but it is showing a bill for XXXX. Also, I applied to the teacher loan forgiveness and I have not hear anything from them. If my application has something wrong or not. They don't pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been experiencing a problem on Equifax behalf preventing me from obtaining a home mortgage for more than 4 months. I cant get pre approved for a loan until this issue is resolved. 

I was unable to create an online account error code XXXX. I called numerous times and spoken to many agents. I was told to mail docs which include a cover letter, a copy of my ID and SSN. 

After weeks of checking in I was told they didnt receive my letter and it can take up to a month for them to receive it. After more than a month I finally received a letter back from Equifax stating theyre unable to locate my credit file. 

I spoke to many agents and supervisors since then, which they all say slightly different things. Theres a mismatch between my information, my information isnt being reported to Equifax from my credit card companies, the back office needs a more detailed cover letter than what I originally sent, I need to talk to the business line, and email Equifax. 

I have no problem with my credit reports with XXXX and XXXX. I have multiple credits cards, opened longer than 2 years which all have confirmed they are indeed reporting my information to Equifax. I am a born XXXX XXXX. I dont understand why Equifax cant help me fix this problem not a single person at Equifax can help since the back office supposedly fixes it and you cant talk to the back office which doesnt help. 

Since then I have sent several more letter with numerous amounts of documentation clearly showing that I have an active credit files but I repeatedly receive the same standard reply letter in the mail, theyre unable to locate my credit files.

This is an extremely urgent issue that needs to be escalated and resolved immediately. I cant get a home until this is resolved.

This has been very unfortunate on Equifaxs side that this has not gotten anywhere. I am not sure what the next steps are but it looks like my only options are to get a credit attorney involved since Equifax is unable to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They are reporting incorrect addresses on my credit report. I have never lived at the addresses that they are reporting. The only address that should be on the credit report is in the city of XXXX XXXX, IL 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 2023-10-04 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: TX

Complaint narrative:
I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be on my report. I never gave them written consent to report them.

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