vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Inquiries on My Credit Report Dear Sir/Madam : I am writing to dispute certain inquiries on my credit report that I believe to be unauthorized and therefore incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate, verified, and authorized information on my credit report. I am requesting the removal of these inquiries from my report as I did not explicitly authorize any of them. 

Details of the Disputed Inquiries : Requesting Entities : XXXX  Inquiry Dates : XXXX XXXX XXXX Entities : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXX Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX  Inquiry Dates : XXXX XXXX Legal Basis under the FCRA for Removal of Unauthorized Inquiries : 1. Right to Accuracy and Verification of Information ( FCRA 611 ) : Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to dispute any information that is inaccurate or unverified. I am requesting that you review and verify the legitimacy of these inquiries, and if you can not do so, immediately remove these entries from my credit report.

2. Obligation to Provide Proof of Authorization ( FCRA 609 ) : According to section 609 ( a ) ( 1 ) of the FCRA, I have the right to obtain all information in my file that is relevant to the inquiries conducted, including any evidence that I explicitly consented. I request that you provide this proof of authorization ; in the absence of it, these inquiries should be removed accordingly.

3. Protection Against Identity Theft and Fraud ( FCRA 605B ) : In the event that any of these inquiries are related to identity theft, section 605B of the FCRA requires you to block all information derived from such fraud upon notification. This letter serves as formal notice that none of these inquiries were authorized by me and could potentially be the result of fraud.

Furthermore, I want to emphasize that, in accordance with the Fair Credit Reporting Act, I do not authorize this dispute to be processed using the e-OSCAR automated system. Since this dispute concerns unauthorized information, it requires a complete manual review to ensure compliance with my rights to verification and accuracy of information.

Thank you for your attention to this request. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of any progress in the investigation process. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2024-11-15 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, the following incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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 2024-11-15 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hey I am filing a complaint against XXXX, XXXX, experian I have a item on my credit files stating bankruptcy dismissal XX/XX/year> I would like you to take a look at this item its inaccurate please investigate 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 2024-11-15 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, the following incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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 dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, the following incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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 2024-11-15 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX BALANCE : {$18000.00}

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 2024-11-15 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX BALANCE : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am a senior citizen and my age and lack of knowledge about how credit reports work led me to this situation where i have become a victim of identity theft and i haven't been able to notice it as there are accounts that have been there for a long time currently my report is about the XXXX account hat has reported late for a long time now and it is in all 3 bureaus, please remove this account as i have no knowledge of this account. I have already filed a police report as well as identity theft report. please remove this account from my credit report.

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and unjust reporting on my credit file related to the vehicle loan for a XXXX  XXXX XXXX ( VIN : XXXX ) with XXXX XXXX XXXX. I am also requesting compensation for the financial and reputational harm caused by this inaccurate reporting and its continuing impact. 

The reported late payment entries and charge-off notations do not accurately reflect the circumstances of the account and its status. The account in question was involved in an ongoing arbitration process at the time of repossession. XXXX XXXX XXXX repossessed the vehicle during this arbitration, a process that should have paused any enforcement actions, including repossession, until resolution. This raises significant concerns regarding the legitimacy of the reported delinquencies and charge-offs. 

Summary of Reporting Issues Repossession During Arbitration : The vehicle was repossessed by XXXX XXXX XXXX while the account was under arbitration. This action was both premature and disruptive to the arbitration process, which should have temporarily halted enforcement actions. 
Inaccurate Reporting of Late Payments and Charge-Offs : Multiple charge-off ( " CO '' ) notations were reported for consecutive months. 
Late payments were reported without proper adherence to required notice protocols under the Truth in Lending Act ( TILA ).

This reporting exaggerates the delinquency and does not align with the actual status of the account. 
Violation of the 21-Day Notice Requirement Under TILA ( 15 U.S.C. 1666b ) : XXXX XXXX XXXX is required to provide at least 21 days notice before each payment due date on a closed-end installment account. Any failure to provide these notices invalidates the reported late payments and charge-offs. 
Fair Credit Reporting Act ( FCRA ) Violations : Under FCRA standards, creditors must ensure that reported information is accurate and complete. The inclusion of multiple charge-offs for the same debt and reporting delinquencies during arbitration reflects a failure to meet these standards. 
Damages and Financial Harm : The inaccurate reporting has caused ongoing financial and reputational harm, including but not limited to : Increased costs for obtaining credit due to reduced creditworthiness. 
Denial of financial opportunities, such as loan approvals and favorable terms. 
Emotional distress caused by the negative impact on my financial stability and reputation.

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 2024-11-15 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
PLEASE REMOVE THE INQUIRIES AND ID THEFT ACCOUNT NAMED IN THE DEMAND LETTER PLEASE ALSO REMOVE ALL FRAUD HOLDS ON MY CREDIT REPORT

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 2024-11-15 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: WA

Complaint narrative:
I asked the company to remove the reported late payment ( twice in XX/XX/year> ) as the phone system did not capture my payment which is not in the consumers control. I also provided medical documentation that I was critically ill with XXXX, and this was during the pandemic. When the company ignored and denied these XXXX requests asking for the late payment to be removed, I also asked for a good faith/one-time courtesy removal which was also denied. I also asked for the to update my inaccurate balance on my credit report ( twice in XX/XX/year> ) which they also ignored, never responding to me. 
According to US Code 1666 and US Code 1666 ( b ), I have the legal right to a fair and accurate credit report! This information should legally be removed yet the company ignores my request.

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 2024-11-15 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: GA

Complaint narrative:
ACCORDING TO FCRA SECTION 605B IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY. THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NY

Complaint narrative:
In XXXX, I suffered identity theft. The scammer used my personal information to open several credit card accounts and tried to make a hard pull using my personal information. After the scammer stole my XXXX XXXX online account, I gradually realized that things were not that simple. A few days later, I received several letters at my home in XXXX about my successful opening of new credit cards. Since I was studying at XXXX XXXX at the time, I could only ask my family to take pictures of the letters for me. After that, I first reported the case to the XXXX XXXXXXXX XXXX XXXXXXXX and submitted the proof that the scammer stole my XXXX  account and the information about the XXXXXXXX XXXX XXXX  account that I found at the time. After that, I received more letters. I started to check my credit reports of three companies and found many accounts and hard pulls that did not belong to me. After collecting all the information and accounts, I reported the case to the XXXX again and submitted all the information I had about the accounts opened by the scammer. I have been trying to dispute with Equifax and delete all the credit inquiries and credit card accounts that did not belong to me, but all failed. I have filed 3-4 disputes and they repeatedly responded that the credit card and credit inquiry confirmed it was me, even though I filed a police report and FTC Report XXXX I find it very frustrating for a college student who has just become an adult and has experienced identity theft. I hope the XXXX can help me resolve these issues! Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with 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 2024-11-15 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I AM A VICTIM OF HUMAN TRAFFICKING PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

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