vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts, collections, and inquiries that have appeared on my consumer credit report, all of which are the result of identity theft and fraud. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent items be blocked from my credit report within four business days of your receipt of this complaint. The fraudulent and inaccurate information includes the following : XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX XXXX XXXX open Date XX/XX/XXXX, XXXX XXXX Open Date XX/XX/XXXX, XXXX XXXX, XXXX Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX Open Date XX/XX/XXXX, CHILD SUPPORT Open Date XX/XX/XXXX, CHILD SUPPORT Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my credit report. I do not recognize these accounts, inquiries, or collections, and they were not opened, made, or initiated by me. As evidence of identity theft, I have attached the following : A copy of my FTC Identity Theft Criminal Complaint ( Case # XXXX, A copy of my consumer credit report highlighting the fraudulent items A list of unauthorized hard inquiries related to these fraudulent accounts Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to investigate these fraudulent items, block them permanently from my file, and cease any collection activities related to them. I expect prompt action on your part to remove these fraudulent accounts, inquiries, and collections. Additionally, I request a description of the procedures used in your investigation, as well as any documentation from creditors related to these accounts. Failure to comply with my request within the legal timeframe will compel me to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of your progress in resolving this dispute. 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-12-14 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: TX

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-12-14 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: GA

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 ( eXb ) Account : I think XXXX XXXX XXXX XXXX Account : I think XXXX XXXX XXXX XXXX  Account : I think XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at All three of my Credit reports on XX/XX/year> and noticed some things are Incomplete, not accurate an fraudulent. And according to the fair credit reporting act Whenever XXXX consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the habitual about whom the report relates according to 15 USC 1681 ( eXb ). 'And according to 15 USC 168115 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I am requesting a copy of my consumer file from XXXX and SageStream. My name is XXXX XXXX XXXX, my date of birth is XX/XX/year>, and my social security number is XXXX. I am requesting my name and address be updated immediately to reflect XXXX XXXX XXXX and my address is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MI

Complaint narrative:
Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear Credit Control , LLC, I am writing to formally dispute an alleged debt that has been reported by your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt, as I have no recollection of any agreement or obligation to pay the amount claimed.

Please provide the following information to validate this debt : 1. The name and address of the original creditor ( XXXX XXXX, if applicable ). 
2. The name on file of the alleged debtor.

3. The alleged account number.

4. The address on file for the alleged debtor.

5. The amount of the alleged debt, including any fees or interest added.

6. The date the alleged debt became payable.

7. The date of the original charge-off or delinquency.

8. Whether this debt was assigned to your company or purchased. If purchased, specify the amount paid for the debt.

9. The commission for the debt if collection efforts are successful.

Additionally, I request copies of the following : 1. The agreement or contract that grants your company the authority to collect this alleged debt.

2. Any signed agreement that I have made with your company or any verifiable proof that I have a contractual obligation to pay this debt.

3. Any other agreement bearing my signature wherein I agreed to pay this debt.

4. All statements for this account while it was active.

5. Any insurance claims made by any creditor regarding this account.

6. Any judgments obtained by any creditor regarding this account.

Please also provide the name and address of your bonding agent in case legal action becomes necessary.

You are required to return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your rights to collect this alleged debt, within 30 calendar days from the date of receipt of this letter.

If you can not provide the requested documentation, I request that the alleged debt be removed from my credit report immediately, as I am exercising my rights under the FDCPA.

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 2024-12-14 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: VA

Complaint narrative:
I am writing to file a formal complaint against TransUnion and XXXX for their failure to address my disputes regarding the inaccurate reporting of timeshare accounts on my consumer credit reports.

Per my divorce decree, the timeshares listed on my credit reports are to be the sole property of my ex-husband. Specifically, under the section titled ** '' Additional Clauses '' **, the decree states : * '' In regards to timeshares purchased during the marriage, ALL timeshares will become the sole property of ( my ex husband ). ( ex wife, Me ) will be held harmless of any matters regarding these properties. " * Despite multiple
disputes submitted to TransUnion and XXXX, these timeshares remain inaccurately reported on my credit reports. This misreporting is causing significant harm to my consumer profile and is severely limiting my ability to secure credit and financing opportunities. 

XXXX XXXX XXXX XXXX I have attached the following supporting documentation to this complaint for your review : 1. A copy of my divorce decree.

2. A copy of my ID.

3. Proof of address.

4. A copy of the disputed account reporting to TransUnion and XXXX. 

I respectfully request the CFPB 's assistance in ensuring that these timeshare accounts are promptly removed from my consumer credit reports as they no longer pertain to me under the terms of my divorce decree.

Thank you for your attention to this matter.

With thanks

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 2024-12-14 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 am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

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 2024-12-14 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: DE

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally Financial Had Repossessed My XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX. I Had An Arbitration Clause In The Contract Which Ally Financial Breached. In Tennessee, the law related to the right to

repossess collateral under the Uniform Commercial Code ( UCC ) is governed by Article 9 of the UCC, specifically UCC 47-9-609. This section outlines the rules and procedures for a creditor to repossess collateral when a debtor defaults on a secured transaction. According to Tennessee 's UCC 47-9-609, a creditor generally has the right to repossess collateral if the debtor has defaulted on the underlying obligation. However, having a lien on the collateral is a key requirement for the creditor to exercise the right to repossess. The creditor must have a security interest in the collateral, typically established through a security agreement or another means allowed under the UCC. Therefore, in Tennessee, to repossess collateral under the UCC, the creditor must have a valid security interest or lien in the collateral as outlined in the UCC rules. It is essential for creditors to follow the proper procedures outlined in the UCC to repossess collateral lawfully and avoid potential legal challenges from debtors. In Particular,
Inclearing deposits played a crucial role in the processing of auto loan payments affecting both lenders & borrowers. My auto home from Ally Financial was {$73000.00} & Ally Financial used the OC application form submitting it to the Federal Reserve Bank requesting {$350000.00}. Within a week and a half they received a check known as an inclearings deposit any amount of {$350000.00} made payable to my name. I Was never told about this particular deposit it seems that the operating circular number 10 appendix 3 of the Federal Reserve has an irrevocable power of attorney associated with it, I believe that the irrevocable power of attorney is unconscionable as a clause in our agreement. However the corporation should have adjusted the balance and reserve the remaining portion of the deposits to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase ( JPMCB ) has falsely marked that they have not received payment on my credit card account from XXXX XXXX XXXX. I signed up for a payment plan with Chase and have been enrolled in this plan since XX/XX/XXXX, and have been making the agreed upon payments. I called Chase 5 times on XX/XX/XXXX to try to remedy this, and I kept being bounced between departments, getting hung up on, or finally was told " there was nothing that could be done '' by someone in the " credit reporting '' department. I then disputed through XXXX XXXX and XXXX. Both disputes claim to be " updated '', but I don't see that anything was remedied. This incompetence has caused major damage to my credit and my life. It has also caused a lot of emotional damage as well, which was even detected by a Chase representative who asked if I was ok due to the way my voice sounded. This is incredibly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-14 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: NC

Complaint narrative:
When I checked my credit report this morning, I was devastated to see incorrect accounts listed, and I have no clue where they came from. Ive always reviewed my report regularly without issues, but out of the blue, these inaccuracies appeared. I refreshed my browser, thinking it was just a technical error, but the problem didnt go away. Im pleading for the documents I provided to be examined thoroughly so I can finally have peace of mind about this.

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 2024-12-14 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: NH

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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