vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
XXXX and TransUnion shows national credit systems opened XXXX. XXXX without my consent which is in violation of 15 usc 1681 improper use of my personal information without my written consent I have asked for the account to be verified and a proper investigation was never fulifuled.

I have never signed a contract with this company nor supplied this company with none of my personal information nor given permission to use any of my personal information not only are they in violation of my privacy 15 usc 1681 they are in violation of 15 usc 1681 for not providing complete and accurate information to all three of the credit reporting agencies XXXX shows a XXXX month term with months of late payments and a past due amount on a charged off account meanwhile TransUnion is reporting the account open with no payment history and no past due amount both reporting agencies updated reports was in apr XXXX which show incomplete and inaccurate 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 non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Fruad Accounts appearing on credit report XXXX XXXX {$4000.00} XXXX XXXX {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX bank has violated law 15, USC 1681. I have tried several times to dispute this information as XXXX, Experian, and XXXX have failed to report accurate and complete information which is in violation of 15, USC 1681 in the attachment below I will include my original complaint as well as the information. Experian has sent me back and the required documents they are requesting for in which I am also having an issue uploading to their portal. 
Original complaint 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 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have tried numerous times to get them to prove the debt which they have not. I won't to see the signed copy of debt from original creditor. I want to see copies of the paperwork where you legally bought the said debt and it was transferred to you by law I am entitled to those things and have not received them. I have tried repeadly to get them to provide it and they havnt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Fruad Accounts appearing on credit report. 

XXXX. XXXX XXXX XXXX {$76000.00} XXXX. XXXX XXXX XXXX {$890.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NY

Complaint narrative:
FIRST THIS COMPANY, ZION DEBT HOLDINGS, PLACED A COLLECTION ON MY CREDIT REPORT ( S ) WITHOUT PRIOR WRITTEN NOTICE. NEXT THEY WERE ASKED TO VALIDATE NOT VERIFY THE DEBT THEY SAID I OWE BY DOING THE FOLLOWING : TO INCLUDE THE FOLLOWING PROOF, WHAT THE MONEY YOU SAY I OWE IS FOR ; EXPLAIN HOW YOU CALCULATED WHAT YOU SAY I OWE ; PROVIDE COPIES OF ANY PAPERS THAT SHOW AGREE TO PAY WHAT YOU SAY I OWE ; PROVE THAT STATUTE OF LIMITATIONS HAS NOT EXPIRED 3YEARS ; SHOW THAT YOU ARE LICENSED TO COLLECT IN MY STATE NY ; AND PROVIDE YOUR LICENSE NUMBERS. 

TO WHICH THEY RESPONDED BY EMAILING ME, VIA THE EMAIL I PROVIDED TO CFPB ONLY ( WHICH I DID NOT CONSENT TOO, ACCORDING TO NYS LAW 23 NYCRR 1.6-REQUIRES MY CONSENT ) AND MAILING CORRESPONDENCE TO VERIFY THE DEBT. 

THEY FAILED TO VALIDATE THE DATE : -FAILED PROVE WHAT THE MONEY YOU SAY IS OWED. 
-FAILED PROVE HOW YOU CALCULATED WHAT IS OWED -YOU HAVE FAILED PROVE THAT I AGREED TO PAY WHAT YOU SAY IS OWED ( NOT MY SIGNATURE ) -FAILED PROVE THAT THE STATUE OF LIMITATIONS IS NOT EXPIRED ON THIS ALLEGED DEBT ( THE CONTRACT THEY PROVIDED IS EXECUTED IN XXXX. THE SOL ON THIS DEBT IS XXXX ) -FAILED PROVE THAT YOU HAVE LICENSE TO COLLECT IN MY STATE NY ( THEY ARE NOT ) -FAILED PROVIDE YOUR LICENSE NUMBER ( S ) ( DID NOT PROVIDE LICENSED NUMBERS AS REQUIRED. 

THEY ARE REPORTING ERRONEOUS AMOUNT OF DEBT THE CREDIT REPORT. THE CREDIT REPORT SAYS ONE AMOUNT THEIR LETTER STATES A DIFFERENT AMOUNT. THEY ARE MIS-REPRESENTING THEMSELVES UNDER TWO DIFFERENT NAMES AND ADDRESSES TO THE CRAs.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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. CXXXX, XXXX XXXX XXXX XXXX violated my rights. 

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. CXXXX, XXXX XXXX XXXX XXXX violated my rights. 

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, 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:
I sent a letter to XXXX 's National XXXX XXXX XXXX XXXX it was received XXXX XXXX I told the Credit bureau to investigate every piece of information on the accounts listed below. Also I have attached the letters I sent out here are the Tracking Numbers. 

Here is my Certified mail Tracking Number : # XXXX I also Sent a 2nd letter on my " Consumer Rights to Privacy '' it was received XXXX XXXX Certified Mail. 

Here is my Tracking Number : # XXXX However the Credit Bureau said they Completed the Investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a -Definition The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general, reputation, personal characteristics, or mode of living obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to.And how did they complete this investigation. 

Accounts Name and Number : Office Of THE ATTY GEN XXXX, XXXX XXXXXXXX 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 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DFC Global Corp.
State: LA

Complaint narrative:
I received an alert that a new collection account was added to my XXXX and XXXX credit reports. The company, XXXXXXXX XXXX XXXXXXXX XXXX, listed a debt owed, for original creditor, MONEY MART. 
The issues here are, this account has dropped my credit score. I was not made aware of the debt. I was not provided with formal communication ; a written letter explaining what the debt is for and my rights to dispute and or request debt validation. As according to the FDCPA. 
This account was added on XXXX XXXX. I received nothing in prior months from either company associated with this debt. I have lived at the same address for three years. It is apparent, no attempts were made, in order to verify or justify any of what was reported to the bureaus listed. 

I have had many issues in the past, with accounts being opened with my information, as my wallet, that included driver 's license, checkbook, social security card, and children 's social security card, was stolen at a gas station. There has been a police report on file with all three bureaus. I will not admit to a debt that I has not been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX  XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$290.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX LL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my FURTHER Complaint claiming I was a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 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 unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my FURTHER Complaint claiming I was a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 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 unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, 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:
This is the several times I've complained about being a victim of identity theft. You must remove the items 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 : Please remove these inaccurate items below : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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