vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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: GA

Complaint narrative:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OFED/XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 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 2022-12-20 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: GA

Complaint narrative:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OFED/XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance XXXX {$4100.00} XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions or accounts to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These are addresses and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these inquiries I do not have these accounts nor ever applied for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are documents from my credit report with the inquiries shown. Also there is a copy of my XXXX XXXX claim number along with other documentation you may need to handle this matter promptly as possible. 

I have tried to get these removed multiple times but they were not because they are tied to fraudulent closed accounts the fraudster used.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am a FEDERALY PROTECTED CONSUMER XXXX XXXX XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request XXXX XXXX XXXX provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by AGREEMENT, XXXX XXXX XXXX can not lawfully furnish this inaccurate negative information to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority XXXX XXXX XXXX do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an EXTENSION OF CREDIT, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE. ANSWER THESE IMPORTANT QUESTIONS XXXX XXXX XXXX. Do these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a 1099c or any insurance has been filed on this account, you have NO RIGHT to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring XXXX XXXX XXXX to report negative information to a consumer reporting agency, XXXX XXXX XXXX maybe knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXX XXXX 'S policy does not supersede Federal Law. I am demanding this charge off be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm and stopping me from extending credit in commerce which is my FEDERAL RIGHT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: GA

Complaint narrative:
The unverified account indicated below still continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2022 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

Here is the aforementioned account : XXXX XXXX XXXX XXXX  : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: CT

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20 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: CT

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-20 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: MA

Complaint narrative:
RE : DEFAMATION OF CHARACTER To Whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your organization which I came to know about on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined which is essential to the continued functioning of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ) According to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Therefore, I hereby put your company on notice and let you know that neither did I authorize you nor gave you consent to provide this report on my behalf. I also want you to know that your company has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. My means of securing the necessities of life has suffered as a result.

Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Your organization neither exercised it's responsibilities with fairness and impartiality nor protected my right to privacy Nothing in the law mandates that information on a consumer or anything be reported to a consumer reporting agency. You are therefore liable I request that you provide me information on the system your organization used to establish whether the transaction occurred or not in relation to the report your organization furnished.

Your organization did not adopt such procedures that meet the need of commerce for consumer credit pursuant to 15 USC 1681 ( a ) ( b ). I hereby demand that you remove the following from my consumer report ; 1. Deletion of all XXXX XXXX XXXX closed credit card accounts opened on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2. Deletion of XXXX XXXX XXXX XXXX XXXX  XXXX  account opened on XX/XX/XXXX 3. Deletion of XXXX XXXX XXXX XXXX XXXX XXXX  account opened on XX/XX/XXXX 4.Deletion of XXXX XXXX XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX 5. Deletion of XXXX XXXX hard inquiry on XXXX XXXX 6. Deletion of XXXX XXXX XXXX XXXX hard inquiry on XX/XX/XXXX, XX/XX/XXXX 7. Deletion of XXXX hard inquiry on XX/XX/XXXX 8. Deletion of Dept Of Education accounts opened on XX/XX/XXXX, XX/XX/XXXX FAILURE TO ACCEPT MY REQUESTS WILL ESCALATE THIS MATTER TO FEDERAL COURT Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: MA

Complaint narrative:
RE : DEFAMATION OF CHARACTER To Whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your organization which I came to know about on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined which is essential to the continued functioning of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ) According to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Therefore, I hereby put your company on notice and let you know that neither did I authorize you nor gave you consent to provide this report on my behalf. I also want you to know that your company has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. My means of securing the necessities of life has suffered as a result.

Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Your organization neither exercised it's responsibilities with fairness and impartiality nor protected my right to privacy Nothing in the law mandates that information on a consumer or anything be reported to a consumer reporting agency. You are therefore liable I request that you provide me information on the system your organization used to establish whether the transaction occurred or not in relation to the report your organization furnished.

Your organization did not adopt such procedures that meet the need of commerce for consumer credit pursuant to 15 USC 1681 ( a ) ( b ). I hereby demand that you remove the following from my consumer report ; 1. Deletion of all XXXX XXXX XXXX closed credit card accounts opened on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2. Deletion of XXXX XXXX XXXX XXXX XXXX  XXXX account opened on XX/XX/XXXX 3. Deletion of XXXX XXXX XXXX XXXX XXXX XXXX  account opened on XX/XX/XXXX 4.Deletion of XXXX XXXX XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX 5. Deletion of XXXX XXXX hard inquiry on XXXX XXXX 6. Deletion of XXXX XXXX XXXX XXXX hard inquiry on XX/XX/XXXX, XX/XX/XXXX 7. Deletion of XXXX hard inquiry on XX/XX/XXXX 8. Deletion of Dept Of Education accounts opened on XX/XX/XXXX, XX/XX/XXXX FAILURE TO ACCEPT MY REQUESTS WILL ESCALATE THIS MATTER TO FEDERAL COURT Thank you for your cooperation. 
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 explanation
Consumer complaint received 2022-12-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the following inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting XXXX XXXX XXXX late payment over 7 years. FCRA states you can not report a negative rating for longer than 7 years. Experian has been reporting late payments for longer than 7 years and is refusing to remove the accounts from my credit report. I have repeatedly disputed this information and Experian is refusing to remove this account from my credit report. Reporting a late payment longer than 7 years goes against the guidelines of FCRA. Experian states this account is scheduled to come off in XX/XX/XXXX and they have been reporting late payments since 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 2022-12-20 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: TN

Complaint narrative:
in accordance with the Fair Credit Reporting act 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

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 2022-12-20 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Credit Repair Info Police Report Hello as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXXXXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX Ct XXXX, LA XXXX United States

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 2022-12-20 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: LEXISNEXIS
State: CA

Complaint narrative:
Lexis Nexis did an unlawful excuse that they can not verify my information, but the report that I received by mail shows that Lexis Nexis didn't remove my negative reports which are being reported/shared without my consent. 

Violation : 1. 15 U.S. Code 1692d ( 1 ) - destroying my reputation 2. 18 U.S. Code 112 - attacking my liberty ( freedom ) as a XXXX national of the XXXX protected person by limiting my access to everything such as credit cards, loans, insurance, and etc because of unlawful negative reports 3. 15 U.S. Code 1692a- pretending to be a bureau. Demanding Cease and Desist to Lexis Nexis Corporation as soon as possible due to unlawful practice 4. 15 U.S. Code 1681b ( 2 ) - no consent to report and share information 5. 15 U.S. Code 1681- Fair and Accurate Report XXXX. XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX XXXX ) - failed to conduct investigation or correct erroneous credit entries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is reporting XXXX XXXX XXXX late payment over 7 years. FCRA states you can not report a negative rating for longer than 7 years. XXXX has been reporting late payments for longer than 7 years and is refusing to remove the accounts from my credit report. I have repeatedly disputed this information and XXXX is refusing to remove this account from my credit report. Reporting a late payment longer than 7 years goes against the guidelines of FCRA. XXXX states this account is scheduled to come off in XX/XX/XXXX and they have been reporting late payments since 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 non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
XXXX is reporting Prestige Financial Services late payment over 7 years. FCRA states you can not report a negative rating for longer than 7 years. XXXX has been reporting late payments for longer than 7 years and is refusing to remove the accounts from my credit report. I have repeatedly disputed this information and XXXX is refusing to remove this account from my credit report. Reporting a late payment longer than 7 years goes against the guidelines of FCRA. XXXX states this account is scheduled to come off in XX/XX/XXXX and they have been reporting late payments since XX/XX/XXXX.

Company response to consumer: Closed with explanation