vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: OH

Complaint narrative:
I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : XXXX XXXX XXXX # XXXX {$99.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX J XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  # XXXX {$490.00} The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ). Plus remove hard inquiries that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : XXXX XXXX XXXX # XXXX {$99.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX J XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX # XXXX {$490.00} The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( XXXX ) ( D ). Plus remove hard inquiries that does not belong to me : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: SC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-10-30 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: SC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint to US BANK for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. 
I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX This Credit Bureau XXXX : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Florida, XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( 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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX This Credit Bureau XXXX : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Florida, XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: WI

Complaint narrative:
On XX/XX/year>, my car was repossessed due to owed fees. Before the repossession, the company did not send a right to cure letter before repossession. The XXXX XXXX representative stated that they sent the right to cure letter on XX/XX/year>. The following information is false because I was not in default on payments for that month. I had the call transferred to the supervisor for XXXX XXXX about the right to cure letter and the representative stated that the right to cure letter was emailed and sent a mailing letter on XX/XX/year> and XX/XX/year> which is also false because I have yet to receive the letters that they are claiming they have sent. The company did not take the proper and necessary steps to repossess the vehicle. I have yet to receive the letter stating that the car would be repossessed which is illegal for XXXX  state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX Account number : 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 2024-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/year> at XXXX p.m I received a deposit into my Venmo checking account. On XX/XX/year> my Venmo account was surprisingly suspended as to the reason it was suspended has not been disclosed to me yet and it is now XXXX XXXX. I have sent in all of the required documentation proving I am who I say I am but Venmo has still not unlocked my account nor have they given me any reason as to why they suspended my account in the first place. I have bills to pay and I am going to lose my home if Venmo does not let me withdraw my funds from their platform. I have read other people 's similar stories about Venmo and I don't see how they can do this to people. have done nothing wrong for them to suspend my account and for the moment they have stolen my money because I have no way to access it. I have no way to buy my family food, I have no way to pay my bills. This is a horrible nightmare scenario and I hope and pray you all can help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My right to privacy is being both violated and disregarded. I never authorized this information to appear on my credit report, nor did I consent to its disclosure in this manner. As a consumer, I am fully aware of my rights, including the right to privacy and the expectation of accurate reporting. The information being reported on my credit file lacks the highest standards of accuracy, further infringing upon my rights. This incorrect and unauthorized reporting is damaging my credit score, resulting in negative effects on my financial well-being and overall quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
A prior dispute was sent out to the credit reporting agencies. Following the disputes the accounts all came back as verified and accurate. Ive recently submitted another dispute to these same credit reporting agencies requesting proof of the investigation that was done that deemed these accounts as accurate and verified per 15 usc 1681 I ( 7 ). If such proof can not be provided I want all of the accounts that were disputed to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As Per guidance from the consumer Financial protection Bureau ( CFBB ) the document neened a letter from an advocacy group helping me due to XXXX XXXX according to XXXX-debt final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.1429 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605c of the fair credit reporting act.I am a victim of XXXX XXXX of debt bondage and would like all listing accounts blocked in deleted company information please delete the following accounts XXXX XXXX balance {$1400.00} XXXX balance {$3700.00} XXXX  balance {$5200.00} XXXX  balance 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 2024-10-30 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theftIve made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that Experian n, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving Experian the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE 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