vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 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:
EXPERIAN IS PURPOSELY STATING THAT I HAVENT SUBMITTED MY IDENTIFICATION DOCUMENTS WHEN I HAVE NEARLY XXXX TIMES IN THE LAST XXXX MONTHS. IVE SENT IN A NOTARIZED AFFIDAVIT 3 TIMES AND ALSO UPLOADED IT TO EXPERIAN.COM/UPLOAD EXPERIAN NEEDS TO BE INVESTIGATED FOR FRAUDULENTLY STATING THEY HAVENT RECEIVED PEOPLES DOCUMENTS JUST SO THEY CAN DENY YOUR INVESTIGATION / REQUEST TO BLOCK. 

XXXX SEEKING AN ATTORNEY HOWEVER THIS MUST BE LOOKED INTO, THEY ARE VIOLATING THE LAW. THAY KEEP SAYING THEY HAVENT RECEIVED ANY DOCUMENTS PROVING MY IDENTITY WHEN I HAVE EVEN SUBMITTED COMPLAINTS HERE THROUGH THE CFPB MULTIPLE TIMES. 

THEY ARE DOING THIS TO DELAY AND NOT INVESTIGATE. 

THEY ARE REPORTING ACCOUNTS THAT SHOULD BE BLOCKED DUE TO IDENTIY THEFT. XXXX AND XXXX HAVE ALREADY BLOCKED THE ACCOUNTS HOWEVER EXPERIAN CONTINUES TO DENY THAT THEY HAVE RECEIVED THIS INFORMATION FROM ME. 

I AM SUBMITTING ALL DOCUMENTS ATTACHED THAT I HAVE SENT EXPERIAN SEVERAL TIMES. THIS IS GETTING REDUNDENT AND ABSOLUTELY UNFAIR THEY ARE DOING THIS TO PEOPLE. 

IM SEEKING {$1000.00} PER VIOLATION FOR EACH ACCOUNT THEY FAIL TO BLOCK. TOTAL ACCOUNTS XXXX = {$5000.00} IF THIS GOES UNRESOLVED. 

THE LAW STATES YOU MUST BLOCK AN ACCOUNT WHEN BEING NOTIFIED OF IDENTITY THEFT. I HAVE SUBMITTED ALL DOCUMENTS REURED BY THE FCRA

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 2022-11-12 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-12 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: NY

Complaint narrative:
report on XXXX that certain addresses on file or Un arcuate.

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 2022-11-12 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: PA

Complaint narrative:
XXXX XXXX XXXX acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX XXXX  {$500.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # 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 an account without my written instructions. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX XXXX {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 an account without my written instructions. 
XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX acct. # 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX XXXX ACCOUNT {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX acct. # 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 an 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 2022-11-12 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-12 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: MO

Complaint narrative:
I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus 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 creditor, as willful negligence and non-compliance with federal statutes. Under the FCRA section 605b, the Credit Reporting Agencies are required by law to remove any fraudulent accounts and information completely from my Credit File. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Please remove the following fraudulent items from my Credit file as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-11-12 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: MO

Complaint narrative:
I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. I previously sent a dispute letter addressed to the Credit Bureaus last XX/XX/XXXX and have submitted a CFPB Complaint on XX/XX/XXXX, I am submitting this CFPB Complaint as a follow up to the most recent CFPB Complaint I submitted. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$28000.00}

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 2022-11-12 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:
I sent the following letter to the credit bureaus regarding unauthorized inquiries in my credit profile. 


Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 I also demand you , ( Transunion, XXXX, XXXX ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NJ Best Regards, 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 2022-11-12 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$720.00} XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-12 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: PA

Complaint narrative:
XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT {$500.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct. # 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 an account without my written instructions. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 an account without my written instructions. 
XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX COLLECTION ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXXS Account Number 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX  COLLECTION ACCOUNT bal. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct. # 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 an account without my written instructions. 
XXXX  XXXX XXXX  acct. # XXXX Original Creditor Name XXXX XXXX XXXX  COLLECTION ACCOUNT {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # 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 an 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