vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: CT

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST pertaining to the Unverified fraudulent account that Equifax is Wrongfully allowing to remain on my credit report. This same fraudulent account was disputed with XXXX, and XXXX in which they removed immediately due to XXXX XXXX XXXX failed to provide proof/verification. This fraudulent account remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file with My Physical Signature to verify this information is mine and is correct. Equifax failed to thoroughly verify the account in the first investigation. Equifax provided No proof. Who verified this account? 

I received No Verification, and/or Verifiable Proof that this fraudulent account is proven to be mine, and/or confirmed they are correct. I constantly see unauthorized changes made on my credit report such as : added remarks, and illegally allowing the same fraudulent account to be removed, and re-appear years later on my credit. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. 

As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} per fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) due to failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: FL

Complaint narrative:
I am a victim of identity theft by a collection company called XXXXXXXX XXXX XXXX and now by the Credit Bureaus Transunion LLC, I sent a copy of my identity theft report, a copy of my social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. 
( Attached ) all documents sent in support of my claim ( attached ) Opportunity to cure letter ( attached ). 

why the Consumer Reporting Agencies wants to take advantage of consumer rights, they don't care and just violate the FCRA law day by day. They do what ever they want with your consumer report and No one stops them.

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 2022-06-02 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:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX XXXX has violated my rights. 

15 U.SC. 1681 section 602.A States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : States that 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 explanation
Consumer complaint received 2022-06-02 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: OH

Complaint narrative:
I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-06-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was sent a possibly fraudulent email and entered in my information. Here is the link I was sent. No money has been taken yet but I am now worried that a possible breach may have occurred. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: FL

Complaint narrative:
I am a victim of identity theft by a collection company called XXXXXXXX XXXX XXXXXXXX and now by the Credit Bureaus Equifax Information Services, I sent a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. ( Attached ) all documents sent in support of my claim ( attached ) Opportunity to cure letter ( attached ) why the Consumer Reporting Agencies wants to take advantage of consumer rights, they don't care and just violate the FCRA Law Day by day. They do what ever they want with your consumer report and No one stops them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: IL

Complaint narrative:
In accordance with the Fair Debt Reporting Act. 

XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX account # 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 604 A Section 2 : Also states A consumerreporting agency can not furnish a account without my written instruction.

15 U.S.C 1692e Section 8 : Updating without showing disputed.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Around XX/XX/2022 I mailed TransUnion a challenge letter disputing hard inquiries on my report that I did not authorize. On XX/XX/2022, they mailed me the attached letter stating that my written permission is not required to someone to obtain my credit report. They refused to scan my files into XXXX XXXX as required by law. The inquiries were not made by me in person, nor online or on my behalf. After contacting the creditors, they stated nothing could be done on their end and to contact the bureau.

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 2022-06-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act, my consumer rights to privacy have been violated. I have a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681  section 602 A., I have a right to privacy and In order to furnish my consumer report I must give Written instructions. I never gave anyone written or verbal consent at any time. 

The Following Collection does not belong on my credit reporXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Account # : 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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I canceled my paid subscription with Equifax and XXXX last month. Around the same time, I launched a complaint against Equifax and XXXX for reporting inaccurate information on credit report. 
However, I didn't close my credit monitoring accounts completely. Once, I canceled my Paid subscription with Equifax and XXXX I was no longer able to log in or access any of the free products .When I tried to access the free products such as XXXX XXXX or when I wanted to put a freeze on my credit reports I was given a phone number to Equifax and XXXX and instructed to call them. I called them and they verified all of my personal information with the automated systems. Then i was asked about four questions relating to accounts I may or may not have. Each time I answered the questions the automated voice system said that they were unable to help me. I was unable to speak to a representative. I know what accounts I have and don't have. I am positive that I answered all of their question correctly. It is very frustrating that I am unable to speak to a real person when I call. It is also very suspicious timing that I am unable to access my credit report right after I canceled my Paid subscription. I only canceled temporarily because of financial reasons. I still need to have access to my credit report and or free products on a daily basis. I feel that I am being punished by Equifax and XXXX because I filed a complaint and stopped paying them. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: OH

Complaint narrative:
I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2022-06-02 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: OH

Complaint narrative:
I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-02 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.SC. 1681 section 602.A States I have the right to privacy 15 U.S.C 1681 section 604A Section XXXX : States that 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 2022-06-02 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.SC. 1681 section 602.A States I have the right to privacy 15 U.S.C 1681 section 604A Section XXXX : States that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
Here are the inquiries that are showing on my credit report and I need them removed ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 XXXX : 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 explanation
Consumer complaint received 2022-06-02 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: AZ

Complaint narrative:
During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new 2022 vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit XXXX. I pulled my credit les from TransUnion, XXXX, and XXXX and found that someone has been using my identity to obtain credit from several creditors. These creditors include the XXXX XXXX XXXX XXXX ( {$110000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$20000.00} ), XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX Bank XXXX ( {$30000.00} ), XXXX XXXX XXXX  ( {$5200.00} ), and XXXX XXXX and XXXX XXXX ( {$490.00} ). Also within my credit les, I found furnished information ( names, addresses, phone numbers ) that do not belong to me.

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 2022-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$1000.00}.

Company response to consumer: Closed with explanation