vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Privacy Notice XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX Macys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Effective Date : XX/XX/2024 Notice : Per the FCRA for the federally Protected Consumer : I XXXX XXXX XXXX now Opting out of any, and all Authorization is given to report my personal information to a third party such as XXXX, XXXX, and XXXX. All three agencies should not be reporting these transactions. I the consumer have given you written, unwritten verbal, and nonverbal or by unknowingly accepting said terms by simply giving my information to you, per 15 USC 6802. 
I have not been given any option to opt-out and would like it to be a permanent process under this contract agreement. Account has been paid in full as agreed. 

16 CFR 433.2 NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACTIS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THESELLEROF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

By : 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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I requested 1099c last year never received it been charged off should be deleted off all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are discrepancies in my consumer report that require removal. These accounts are associated with a previous address where I no longer reside. XXXX has incorrectly connected this inaccurate information to my current address. This practice is not in accordance with the FCRA, as XXXX depends on creditors to provide updated addresses and subsequently links outdated account information whenever an address change occurs. 

I am writing to formally dispute certain information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, which requires that credit reporting agencies maintain accurate and complete records. After reviewing my credit report, I believe that the following information is inaccurate, incomplete, and/or outdated and should be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This old account is linked to an old address I use to live at. That address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This old account too is linked to my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
XXXX, VA XXXX These two ( 2 ) old accounts are linked to another old address which was : XXXX XXXX XXXX. 
XXXX, FL XXXX How can XXXX associate these old accounts with a new address? I require clarification on this matter, as there is an inconsistency in the addresses related to these old accounts in accordance with the Fair Credit Reporting Act. 

I request that you investigate the accuracy of the above information and remove any erroneous, outdated, or unverifiable entries from my credit report. Please note that under the FCRA, you are required to complete your investigation within 30 days of receipt of this complaint and you must notify me of the results of the investigation. 

In addition, please provide me with a copy of my updated credit report once the disputed information has been corrected or removed. 

I appreciate your prompt attention to this matter and trust that you will act in accordance with the law to ensure the accuracy of my credit report. Please do not hesitate to contact me at the above address or by phone if you require any further documentation or information to facilitate your investigation. 

Thank you for your cooperation. 

Sincerely, 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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are discrepancies in my consumer report that require removal. These accounts are associated with a previous address where I no longer reside. XXXX has incorrectly connected this inaccurate information to my current address. This practice is not in accordance with the FCRA, as XXXX depends on creditors to provide updated addresses and subsequently links outdated account information whenever an address change occurs. 

I am writing to formally dispute certain information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, which requires that credit reporting agencies maintain accurate and complete records. After reviewing my credit report, I believe that the following information is inaccurate, incomplete, and/or outdated and should be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This old account is linked to an old address I use to live at. That address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This old account too is linked to my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX These two ( 2 ) old accounts are linked to another old address which was : XXXX XXXX XXXX. 
XXXX, FL XXXX How can XXXX associate these old accounts with a new address? I require clarification on this matter, as there is an inconsistency in the addresses related to these old accounts in accordance with the Fair Credit Reporting Act. 

I request that you investigate the accuracy of the above information and remove any erroneous, outdated, or unverifiable entries from my credit report. Please note that under the FCRA, you are required to complete your investigation within 30 days of receipt of this complaint and you must notify me of the results of the investigation. 

In addition, please provide me with a copy of my updated credit report once the disputed information has been corrected or removed. 

I appreciate your prompt attention to this matter and trust that you will act in accordance with the law to ensure the accuracy of my credit report. Please do not hesitate to contact me at the above address or by phone if you require any further documentation or information to facilitate your investigation. 

Thank you for your cooperation. 

Sincerely, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: TX

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 XXXXl 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 explanation
Consumer complaint received 2024-12-26 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: NY

Complaint narrative:
CFPB Complaint Against Credit Reporting Agencies What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 receiving this complaint.

This fraudulent, inaccurate, and false information consists of : A credit card at XXXX, opened XX/XX/XXXX. 
A credit card at XXXX  XXXX XXXX, opened XX/XX/XXXX. 
A credit card at XXXX, opened XX/XX/XXXX. 
A credit card at XXXX XXXX, opened XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached an FTC Identity Theft Report ( # XXXX ) and my credit report showing these fraudulent items. I do not recognize the accounts, collections, or inquiries reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have found an account listed on my credit report for {$4500.00} associated with XXXX XXXX, located in XXXX XXXX, FL. The credit company listed is Professional Debt Mediation, based in XXXX, FL. I do not recognize this account and have never lived at XXXX XXXX or had any affiliation with this location. I believe this account is a result of identity theft. 

I have reported this matter to the police, and my police report ID is XXXX. Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ), with reference number XXXX. I am unaware of any rental debt associated with this account, and I request its immediate removal from my credit report. 

I have reached out to the company three times with no response. Given that I have never been to this apartment complex or had any interaction with the company, they could not have received any legitimate information about me. 

If this issue is not resolved promptly, I will seek legal counsel to explore further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MI

Complaint narrative:
Experian, XXXX, XXXX is fraudulently reporting an accurate identity theft across all three consumer reports from XXXX XXXX is fraudulently reporting different reports on all 3 of my Consumer Reports this is Identity Theft and fraud. 
There are different dates and amounts across all 3 reports this is unlawful Reporting and violates my Consumer Rights. DELETE these accounts immediately and update my Consumer Reports today. 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 explanation
Consumer complaint received 2024-12-26 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: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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 non-monetary relief
Consumer complaint received 2024-12-26 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ; has violated my rights. 

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 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 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 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 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 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
To Whom It May Concern I am writing to formally demand the immediate removal of unauthorized credit inquiries from my credit report. These inquiries include, but are not limited to, the following entities : 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 My personal information was recently compromised in a data breach, which has led to unauthorized activity on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and demand its removal if it can not be verified as authorized by me. 

Furthermore, the continued reporting of these inquiries after my dispute violates my rights under the FCRA, including but not limited to the following provisions : 1. 15 U.S.C. 1681b ( c ) - Permissible purposes for consumer reports. Unauthorized inquiries do not meet this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Consumer reporting agencies must conduct a reasonable investigation of disputed information.

3. 15 U.S.C. 1681n - Liability for willful noncompliance.

I have already filed complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and will escalate further if these inquiries are not removed immediately. Additionally, I reserve the right to pursue legal action for the willful disregard of my rights under federal law. 

You have XXXX hours from the receipt of this letter to remove the unauthorized inquiries from my credit report. Failure to comply will result in further action, including filing additional complaints with state and federal regulators, contacting the Federal Trade Commission ( FTC ), and seeking legal representation. 

This is a serious matter, and I will not tolerate any further obstruction or delay. Please confirm in writing that the inquiries have been removed. I expect full compliance without further denials or delays. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
To Whom It May Concern I am writing to formally demand the immediate removal of unauthorized credit inquiries from my credit report. These inquiries include, but are not limited to, the following entities : 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 My personal information was recently compromised in a data breach, which has led to unauthorized activity on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and demand its removal if it can not be verified as authorized by me. 

Furthermore, the continued reporting of these inquiries after my dispute violates my rights under the FCRA, including but not limited to the following provisions : 1. 15 U.S.C. 1681b ( c ) - Permissible purposes for consumer reports. Unauthorized inquiries do not meet this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Consumer reporting agencies must conduct a reasonable investigation of disputed information.

3. 15 U.S.C. 1681n - Liability for willful noncompliance.

I have already filed complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and will escalate further if these inquiries are not removed immediately. Additionally, I reserve the right to pursue legal action for the willful disregard of my rights under federal law.

You have 24 hours from the receipt of this letter to remove the unauthorized inquiries from my credit report. Failure to comply will result in further action, including filing additional complaints with state and federal regulators, contacting the Federal Trade Commission ( FTC ), and seeking legal representation.

This is a serious matter, and I will not tolerate any further obstruction or delay. Please confirm in writing that the inquiries have been removed. I expect full compliance without further denials or delays. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-26 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: FC HoldCo LLC
State: TX

Complaint narrative:
Inaccurate inquiries on credit Inaccurate reporting of repossession Inaccurate collections information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is listed on my 3 Credit Reports with different dates, and amounts this is fraudulent identity theft and needs to be deleted immediately they are not Accurate and need to be deleted from all 3 reports it violates my consumer rights and reporting laws All consumer reports must be lawfully ACCURATE or be deleted these are NOT!. Delete these immediately and update my Consumer Reports today. 
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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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