vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: AR

Complaint narrative:
XXXX ID number for recent complaint. 

So my wife, kids, and I are suppose to accept that our lives are at risk because you want to wait 60 days to fix this! I hope the company and the credit companies that have allowed fraudulent activity to take place and allow my personal info to be publicly announced knows ; all this is being documented and saved in case something happens to one of us. Privacy Act of 1974, as amended,5 U.S.C. 552a The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping 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 non-monetary relief
Consumer complaint received 2024-10-15 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-10-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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 not liable for this debt with XXXX XXXX XXXX. I do not have a contract with the collection agency XXXX XXXX XXXX  they did not provide me with the original contract as requested

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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-15 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: FL

Complaint narrative:
XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom it May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Address XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX  XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL, XXXX Phone Numbers- ( XXXX ) XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AccountsAccount Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX  XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Number XXXX Account Name XXXX  Account Number 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken . I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX Enclosures Proof of identity XXXX  documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
During XXXX, I had some financial hardships, and I was unable to bring my account up to date. I was offered an payment arrangement that would remove all past due account statuses If I paid XXXX consecutive months. I did that during the months of XXXX to XXXX, and the past due status was never removed. Finally, this account was paid in full, and it is not reflective in all of the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NC

Complaint narrative:
On XXXX XXXX XXXX I contacted Trans Union, XXXX, and XXXX letting them know that I wished to opt out of reporting the accounts below on my credit report per 15 USC 6802b, 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ). As of today, no one has responded to me in writing. This was a formal NOTICE that the consumer, requires all 3 bureaus to cease the reporting of certain accounts on the Consumers report. This NOTICE directly requires all 3 bureaus to provide proof, the consumer was provided/presented and signed/authorized the required disclosures, which explains consumers right to OPT OUT, per my rights under : 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 2024-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I suffered XXXX XXXX XXXX in XX/XX/XXXX. At that time, I lost income and I also had to undergo extensive therapy to get well because I was XXXX. Due to the issues I encountered, I asked for Lendmark rep to help me and I was suggested to refinance my loan for a lower payment. I requested to refinance my loan on XX/XX/XXXX and it was approved. Instead, the loan company decided to report that my account was past due on XX/XX/XXXX and was noted as a charged off account, when in my credit report ( XXXX ), it states that the account was closed/paid, zero balance, and refinanced. 
It is showing the date of last activity as XX/XX/XXXX, which was when I refinanced the loan. Then, it is showing the date of last activity as XX/XX/XXXX. which was after I closed the account due to refinancing. This issue was disputed several times, with no positive response or intervention. Then, in XXXX, I set up a settlement with a rep and it was not honored. The account is in a charge off department, which they do not accept monthly payments, or payment arrangements, yet, I am still being penalized for this monthly. I have tried to resolve this matter by asking to do an other settlement, and it was not honored because the company wants more than what I can afford. Furthermore, the company has made no attempt to contact me or send me account information for over 5 years. This issue has kept me for buying a home, or paying for my children 's tuition, when I am a single parent of XXXX children and I have XXXX sons in college right now. I have medical information to show proof that I was not working. I have proof that I paid a lumpsum to the company in the end of XXXX, but was not honored. I believe this reporting was unfair and unjust, due to the amounts of discrepancies in my credit report. I also contacted the bureaus and no one has attempted to support me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this formal dispute regarding an alleged debt that Portfolio Recovery Associates claims I owe. I received a notice from Portfolio Recovery Associates concerning this debt, but I believe this claim is either inaccurate or lacks sufficient verification. 

I have attached a debt verification letter to Portfolio Recovery Associates, requesting detailed information to validate the debt, including : 1. Proof of the debt and detailed breakdown of the amount owed including the complete payment history. 

2. Date of last activity 3. My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

5. Verification of Portfolio Recovery Associates ' legal authority to collect this debt. 
- obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim that I owe. 

6. Proof of photo identification ( i.e. drivers license, state identification card, or other government issued card ) that was presented to you at the time of agreement. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information before any collection activity continues. 

I respectfully request that the CFPB assist me in resolving this issue, ensuring that Portfolio Recovery Associates ceases all collection activities until the debt is properly validated. Additionally, I request that any adverse reporting related to this alleged debt be removed from my credit report until full validation is provided. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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 disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT.

SEE ATTACHED 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2024-10-15 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: MN

Complaint narrative:
Iam a victim of identity theft i was overseas for a few years and i came back and i was checking my credit and i found these accounts and think it's my x girlfriend or a few people that lived with me i couldn't know who has my information cause the creditors wouldn't provide me contracts and signatures after contacting them a few times and i didn't receive any calls or emails or mail and as of 15 U.S Code 1692g validation of debts they invaded my privacy and harmed my credit really bad and its illegal and in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under. 15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please move them from my credit report 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 2024-10-15 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: MN

Complaint narrative:
Iam a victim of identity theft i was overseas for a few years and i came back and i was checking my credit and i found these accounts and think it's my x girlfriend or a few people that lived with me i couldn't know who has my information cause the creditors wouldn't provide me contracts and signatures after contacting them a few times and i didn't receive any calls or emails or mail and as of 15 U.S Code 1692g validation of debts they invaded my privacy and harmed my credit really bad and its illegal and in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under. 15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please move them from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to Experian via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to USPS tracking information, the letter was delivered and received by Experian on XX/XX/year>. 
In this dispute letter, I requested an investigation into an inaccurately reported bankruptcy and incorrect personal information listed on my credit report. I ensured that all necessary documents to verify my identity were included : a copy of my government-issued ID, my Social Security card , and proof of my current address. Despite complying with these legal requirements, I have yet to receive any response from Experian, and the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) has long passed.

In particular, I pointed out that the bankruptcy reporting on my credit report is both inaccurate and incomplete. Key details, such as the correct court name and other vital information, are missing. The report only includes the filing date and a reference number, which is insufficient and misleading. Additionally, I disputed incorrect personal information entries that remain unaddressed by Experian.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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