vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: NV

Complaint narrative:
I recently reviewed my credit report and discovered an inaccurate entry related to a bankruptcy that I have not filed. According to the Fair Credit Reporting Act ( FCRA ) 611, it is my right to request a verification or removal of this incorrect information.

The erroneous bankruptcy details are as follows : [ bankruptcy_info ] In accordance with the FCRA 611 ( a ) ( 7 ), I kindly request that you initiate an investigation into this matter and provide me with the " Method of Verification '' used to confirm the bankruptcy. Specifically, I require the following information : 1. 2. 3. 4. 5. The name of the courthouse where the information was verified. 
The name of the person at the courthouse who handled your request. 
The address of the courthouse.

The telephone number for the Clerk of Court 's office.

The specific document you obtained to verify the bankruptcy.

Should you fail to comply with my request within the 30-day period as stipulated by FCRA, I will consider taking further legal action. Please respond to me in writing at the above address. 
I trust that you will handle this matter with the urgency and seriousness it requires. Your prompt attention will prevent any potential negative impact on my credit standing.

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 2024-11-08 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Please remove this credit account from my credit report immediately. This collection account is in direct violation of the legal document XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
The company reported account with Negative information on my credit report XXXX report was found on my credit report that is fraud issues and is identy thief I has depute this issue to the company regarding this matter XX/XX/XXXX {$1000.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$680.00} XX/XX/XXXX XXXX XX/XX/XXXX {$180.00} XX/XX/XXXX XXXX XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$7800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. 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 explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX  XXXX XXXX XXXX Balance Owed : {$960.00} XXXX  XXXX Balance Owed : {$30000.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX  FINCL XXXX Balance : {$29000.00} XXXX XXXX  XX/XX/2024XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
I am writing to formally dispute the listing of a voluntary surrender related to account XXXX XXXX XXXX XXXX XXXXon my TransUnion credit report. I believe this information is inaccurate and/or unverifiable, which warrants its investigation and removal under the Fair Credit Reporting Act ( FCRA ). 
According to FCRA Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all information reported is accurate, complete, and verifiable. I request that TransUnion verify the accuracy of this voluntary surrender, including ensuring it is supported by appropriate documentation from the original creditor.

If the creditor can not provide verification that the account is being accurately reported as a voluntary surrender, FCRA Section 611 ( a ) mandates that this item be removed from my credit report within the required 30-day investigation period.

Additionally, FCRA Section 623 ( 15 U.S.C. 1681s-2 ) obligates data furnishers to report only complete and accurate information. If the original creditor has failed to properly maintain or verify records substantiating the voluntary surrender, I request that TransUnion delete this entry from my report promptly.

The listing of this account as a voluntary surrender has had a negative impact on my creditworthiness, and I am committed to ensuring that my credit report reflects only accurate and complete information. Please provide me with written confirmation upon the completion of your investigation, along with an updated copy of my credit report reflecting any corrections.

Thank you for your prompt attention to this matter. I look forward to your response within the FCRA-required 30-day timeframe.

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 2024-11-08 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: OH

Complaint narrative:
I am writing to formally challenge the accuracy of certain entries on my credit report that appear to have been included without my consent. Specifically, I am concerned that these entries may have been accessed and reported in violation of my rights under 18 U.S.C. 1028A and 15 U.S.C. 1681b.

Under 18 U.S.C. 1028A, the misuse of personal information without proper consent constitutes aggravated identity theft, a serious offense under federal law. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b outlines the permissible purposes for accessing and reporting consumer information. To the best of my knowledge, I did not authorize these entries, nor did I grant permission for my personal information to be used in this manner. 

The disputed accounts are as follows : 1. [ XXXX  XXXX XXXX XXXX XXXX ], Account Number : [ XXXX ] 2. [ XXXX  XXXX XXXX XXXX XXXX ], Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This is my response to your letter I received on XX/XX/XXXX, regarding Fraud Denied Reference Number DT XXXX ( attached file : 1. XXXX  ). 

I am a victim of identity theft and have been attempting for more than the past two years to remove fraudulent accounts from my credit reports. While I was outside the U.S., nine accounts were opened fraudulently in my name without my authorization, including the following : Account Number : XXXX Card Type : Citi ThankYou Preferred Your letter provided three reasons for rejecting my fraud claim. I would like to address each one : 1. " Cards mailed to a valid address '' Could you please clarify which address youre referring to and how it was validated? 

My known U.S. residence periods are as follows : XX/XX/XXXX XX/XX/XXXX : XXXX  XXXX, WI XX/XX/XXXX XX/XX/XXXX : XXXX, OH XX/XX/XXXX Present : XXXX, WA Between XX/XX/XXXX and XX/XX/XXXX, I was not in the U.S. To substantiate this, I have attached the following documents : 2. Identity Theft Report 3. Police Report 4. I-94 Arrival/Departure Record 5. USA Visas ( proof of U.S. entry and exit ) 2. " Account activated by verified phone number '' I am unsure what this refers to, as I have only one phone number, which is XXXX. For privacy reasons, I have partially hidden it here and in the documents. I kindly ask that you refrain from calling me, as this process has already taken over two years, and I am exhausted by the repeated need to prove my case. 


3. " Verified phone number contacted Citi prior to date of fraud reporting '' I have never contacted Citi, nor have I ever held an account with Citi bank. Could you provide evidence for this claim? This process is deeply concerning and feels unjust. 

Please inform me of any additional information required through the Consumer Finance platform. Thank you for your attention to 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
Consumer complaint received 2024-11-08 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: DE

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX

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 2024-11-08 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: GA

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 XXXX please 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
I have file numerous complaints to the FTC and CFB in reference to two XXXX  XXXX accounts that appear on my credit file fraudulently. 

I am a victim of identity theft. The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605 b ti the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
I have file numerous complaints to the FTC and CFB in reference to two XXXX  XXXX accounts that appear on my credit file fraudulently. 

I am a victim of identity theft. The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605 b ti the Fair Credit Reporting Act

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 2024-11-08 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:
In accordance with the fair reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX Account # XXXX Account name XXXX XXXX Account # XXXX Account name XXXX XXXX Account # XXXX Account name XXXX XXXX Account # XXXX I looked at my XXXX credit report and noticed somethings are incorrect and incomplete and not accurate. And according to the fair credit reporting act. 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 the report relates according to 15 USC 1681EB and according to 15 USC 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file.

And according to 15 USC 1681 S -2 They are not supposed to 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 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I requested that my personal information was deleted in compliance with their regulatory requirements, and the company refused, citing unexplained business and legal reasons. I have attached my detailed request, along with their denial. This bank is a 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 2024-11-08 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: GA

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 XXXX please 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
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX 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 theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$34000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief