vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-04 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorised to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-04 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: CA

Complaint narrative:
this is a re investigation from An dispute XXXX XXXX XXXX ( XXXX ) Reason for investigation : Past statue of limitations for reporting. this account opened XX/XX/2016 past 7 Years. This account has been canceled and filled as a 1099-c. that I sent to your agency this is no longer debt it is income that has no permissible purpose of reporting.

Transunion has no obligation to report this canceled debt, No permissable purpose 15 U.S. Code 1681b under this law any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

this account falls under none of those requirements listed in the law above.i am not listing them because transunion under stands the laws the govern consumers, but yet still report this 7 year item that is not being collected on and is income under the irs publication.

Failure to remove this. i will file a lawsuit under civil liability willful non compliance of fcra requirements, as i have done before. my credit and worthiness is important to me and damaging it with knowledge and no legal obligation or purpose. is in fact against the law please understand what the 1099-c copy b form attached means and read instructions for debtor on the form.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to address significant violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) that have recently come to my attention. Consumer Reporting Agencies ( CRAs ) play a vital role in assessing consumer credit information. It is concerning that Big 3 CRAs rely on data from smaller agencies, like XXXX, for reports. Identity theft is a major concern. Reporting unauthorized accounts without consent is a serious breach of privacy. CRAs are legally liable for noncompliance under 15 U.S. Code 1681n, with potential penalties of {$1000.00} per violation. The unauthorized buying and selling of personal information poses a significant privacy issue.

Compiling a report without consent amounts to identity theft. Privacy is a right, not a privilege, and I demand prompt removal of identified information. I followed the requirements of 15 U.S.

Code 1681c-2 meticulously, but was not provided clear information about reporting, as mandated by the Gramm-Leach-Bliley Act. By invoking my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I seek a swift resolution. I insist on immediate removal of identified items within four days. Furthermore, proper notification for investigative consumer reports, under 15 U.S. Code 1681d, has been overlooked, a clear violation. I expect prompt attention and full compliance with the aforementioned provisions. Failure to do so may compel legal action. Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.

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 2023-12-04 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:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorised to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To : Experian XXXX XXXX XXXX XXXX Account # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE ACROSS ALL CREDIT BUREAUS!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. 
ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported.

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To : XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE ACROSS ALL CREDIT BUREAUS!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. 
ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported. 

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX THE FURNISHING ON THIS ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA, ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported.

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX THE FURNISHING ON THIS ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA, ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported.

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.

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 2023-12-04 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: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Account Name : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX, XXXX Im Accordance with the Fair Credit Reporting Act, The list of Accounts Below has violated my Federally Protected Consumer Rights Privacy and Confidentiality under 15 US Code 1681.

15 US Code 1681 Section 602 A. States I Charles E Roach Jr have the Right to Privacy.

15 US Code 1681 Section 604 A Section 2. Also states A Consumer reporting agency Can not Furnish an Account without my written instructions.

15 US Code 1681 C. ( A ) ( 5 ) section States No consumer reporting agency may make any consumer report containing any of the following items of the information any other adverse item of information, other than records of Convictions of the crime which indicates the report no more than seven years.

15 US Code 1681 S -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.

15 US Code 1681 ( i ) - A5B Requirements relating to reinsertion of previously deleted material Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph, the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate, And Also the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I XXXX XXXX XXXX XXXX. I owe No Debt

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 2023-12-04 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-04 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All of these inquiries were not done by me and I have filed an identity theft report to the ftc. I request all these inquiries be deleted from my credit report immediately by law you have 10 days from this complaint to remove. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief