vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing my credit report after receiving an inquiry notice and I know I have not applied for any credit. I reached out to the company ; no response. 

Attached you'll find he printed letters I sent to them, the company and the bureaus. I've yet to hear anything from XXXX, Transunion or XXXX on the matter. 

These inquires are effecting my credit and this misinformation is inaccurate. Also, be advised I have no accounts attached to either of these inquires, so I know i didn't make them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX, CA XXXX Attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX XXXX  XXXX XXXX, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XX/XX/XXXX and XX/XX/XXXX Made with : XXXX, Transunion and XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was reviewing my credit report after receiving an inquiry notice and I know I have not applied for any credit. I reached out to the company ; no response. 

Attached you'll find he printed letters I sent to them, the company and the bureaus. I've yet to hear anything from Equifax, XXXX or XXXX on the matter. 

These inquires are effecting my credit and this misinformation is inaccurate. Also, be advised I have no accounts attached to either of these inquires, so I know i didn't make them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX, CA XXXX Attention : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX Dear XXXX XXXX, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XX/XX/XXXX and XX/XX/XXXX Made with : XXXX, XXXX and Equifax To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: DISCOVER BANK
State: PA

Complaint narrative:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: DC

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. XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX, XXXX. : # XXXX, US DEPARTMENT OF AGRICUL : # XXXXXXXX US DEPARTMENT OF AGRICUL : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has 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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I obtained a credit report from transunion. There is an unauthorized/fraudulent inquiry from XXXX  dated XX/XX/2023. I need it removed per the fcra guidelines.

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 2023-04-17 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: LEXISNEXIS
State: MO

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, D.C. XXXX, Law Firm XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
On a XXXX call on their recorded lines at transunion was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the Judge. Protection under 303 BK code. two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXX XXXX  XXXX involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. *Account : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. I am seeking prosecution for the willful ignoring of government laws and paperwork.

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 2023-04-17 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: PA

Complaint narrative:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All Financial institutions that furnish information to nationwide consumer reporting agencies, such as XXXX, Equifax and XXXX to ensure maximum accuracy on consumer reporting. However, These agencies have violated FCRA 15 U.S.C 1681 E ( B ) & 1681 I by willfully and negligently failing to follow reasonable procedures to ensure maximum accuracy in its reporting and failing to reinvestigate my dispute reasonably. This action also violated 1681 N ( willful violations ) & 1681 O ( negligent violations ) There is no reason why anyone could or should not rely on information provided by the furnisher to accurately report this error to the CRA without some allegation to be labeled as unreliable & untrustworthy I notify the furnisher, the address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher thereafter reports the correct information to CRA. Which is shown in documentation attached Therefore all inaccurate information that was reported prior to the correction to the CRA that affects creditworthiness must be deleted from my report because it is proven to be inaccurate once the furnisher updated the information to validate the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NJ

Complaint narrative:
Im a victim of identity theft and I would like to dispute these accounts on my credit file and have them blocked and removed 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 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
RTR FINANCIAL Sevices , Inc is clearly in violation of the FRCA and FDCPA. I have receive a letter from them stating I owe a debt, in which I never gave them consent to send me any mails, also never gave them promission to contact me at my place of business, nor to contact me at any location.The stated Statutes are the violations I am reporting to you CREDIT FININACIAL PROTECTION BUREAU for redress and enforcement of law, as I accept your Oaths of Office and bind you to it, when handling such information listed here : Violation 1 ; 15 USC 1692 ( c ) ( a ) states. communication with a consumer generally without the prior consent of the consumer gived directly to the debt collector [ RTR Financial Sevices , Inc ] or the express permission of a court of competent jurisdiction, a debt collecter may not comminunicate with a consumer in connection with the collection of any debt.VIOLATION 2 : 15 USC 1692c ( 3 ) states such debt collector shall not send a comminunication to a consumer eployer place of business in which the debt collector should of checked to see that XXXX XXXX XXXX XXXX XXXX is listed on the credit report as the Consumers, place of employment, and has a address of XXXX XXXX XXXX XXXX XXXX New York XXXX as listed on the Department of State of New York Website for any one to view, also the consumer works at another business named XXXX XXXX with that same address as recorded with the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX which also can be viewed.they are also in VIOLATION 3 : 15 USC 1692b ( 5 ) which states the use of any language or symbol on any envelop or IN THE CONTENTS OF ANY COMMUNICATION effected by the mails or telegram that indicates that the debt collector is in the debt, collection business pr that the communication relates to the collection of a debt in which they are in clearly in violation of by sending me the letter [ see attached ], further they are also in VIOLATION 4 of 15 USC 1692 ( b ) ( 2 ) the debt collector shall not state that such consumer owes any debt, in which on the letter they sent says I owe {$490.00}. VIOLATION # 5 15 USC 1681 section 602A state I have the right to privacy, as they are not respecting the law and my right to privacy.Also I never gave them consent to use my name or any of my information and do not have any contract with that financial agency. Which is also comitting Identity Theft as they are using unauthorized information without the owners consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: WI

Complaint narrative:
Dates : XX/XX/2023 XX/XX/2023 Credit Service International had attempted to take money from me twice. We had agreed on {$100.00} + {$3.00} fee every week for payment of my medical debt on Wednesdays. On Wednesday XX/XX/2023 they had taken the XXXX and then had attempted to charge me another {$100.00} but was declined due to insufficient funds. On Monday XX/XX/2023 they had also attempted to take {$100.00} showing that they're attempting to take extra money from me and more then what the terms I had signed and agreed to. They had also threatened that if I had missed a single payment that there would be grounds for garnishment. They were overall unpleasent and them attempting to take this extra money is stressing me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom it may concern, Im writing this letter to request deletion of fraudulent Hard Inquiries that appeared on my credit report without my authorization. All of the following inquiries on my report are the result of fraudulent activities. I must note that I did not apply for credit accounts with the below listed companies and creditors. I have talked to these creditors and I made sure that they didnt approve these accounts. Therefore, these inquiries must be deleted from within my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent you mails multiple times, but haven't received any response so far. Please remove these fraudulent hard inquiries from my credit report, 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 non-monetary relief
Consumer complaint received 2023-04-17 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: DC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: Credit Control, LLC
State: VA

Complaint narrative:
On XX/XX/2023. I called to settle a debt with a company named XXXX XXXX. They bought a collection from XXXX and XXXX XXXX. I paid {$1300.00} and {$760.00}. I was told that they would remove the collection from my report since the debt had been paid off. I was provided documentation stating it was settled in full and paid. I disputed the items multiple times and every time the results came back it would say nothing was settled and the results haven't changed. I have reached out to XXXX XXXXXXXX and informed them on this and they said it should've been settled since I paid them. Given the nature I also had another company reach out to me saying that they owned the debt that I had already paid XXXX XXXX. I had to send them documentation proving the debt was settled. I need to know why it keeps coming back as nothing has changed and that I still have this debt if it has been paid and there is documentation proving the settled debt. It is absolutely tiring that this continues to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: CA

Complaint narrative:
Fraudulent Account Possible Financial I send the FTC affidavit with the police reports and this account listed as fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX and again in XXXX. Those accounts were not removed within the time allowed by law.

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