vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$7100.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bal. {$610.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-09 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: TX

Complaint narrative:
I contacted XXXX yesterday at XXXX XXXX  and XXXX XXXX XXXX. I was instructed to contact each one, as many times before concerning information about Bankruptcy reporting. Bankruptcies dont report to the credit bureaus. XXXX said they have removed from Credit File. Then XXXX said XXXX is not responding to none of there messages. It is just a back and forth issue between the two companies. XXXX said I did not know what I am talking about. Also, saying no information was received from me. I sent paperwork to them by certified mail and sent by regular mail. These two companies has crooks working for them not knowing what they are doing. Person should not have to keep contacting them so many times. My next step is to contact attorney concerning these two companies.XXXX  sent me paperwork saying they cant verify who I am I sent all that information to them to. Even two bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
I contacted XXXX yesterday at XXXX XXXX  and Experian XXXX XXXX. I was instructed to contact each one, as many times before concerning information about Bankruptcy reporting. Bankruptcies dont report to the credit bureaus. XXXX said they have removed from Credit File. Then Experian said XXXX is not responding to none of there messages. It is just a back and forth issue between the two companies. Experian said I did not know what I am talking about. Also, saying no information was received from me. I sent paperwork to them by certified mail and sent by regular mail. These two companies has crooks working for them not knowing what they are doing. Person should not have to keep contacting them so many times. My next step is to contact attorney concerning these two companies.Experian sent me paperwork saying they cant verify who I am I sent all that information to them to. Even two bankruptcies.

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 2024-11-09 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: IL

Complaint narrative:
Im reaching out to ask for some updates to my personal information in your records. I want to make sure everything is current and correct for any future communications. 

Here are the changes : 1. Name : My name should be listed as XXXX XXXX XXXX. 
2. Employment : My correct employer is XXXX XXXX ( please remove XXXX XXXX from my records ). 
3. Address : My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Please remove any other previous addresses on file, including XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX. 

Ive attached copies of documents to confirm these updates. Please let me know when youve made the changes or if you need any additional information from me. 

Thanks for helping me get this sorted out. 

Best, 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 2024-11-09 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: IL

Complaint narrative:
Im reaching out to ask for some updates to my personal information in your records. I want to make sure everything is current and correct for any future communications. 

Here are the changes : 1. Name : My name should be listed as XXXX XXXX XXXX. 
2. Employment : My correct employer is XXXX XXXX ( please remove XXXX XXXX from my records ). 
3. Address : My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Please remove any other previous addresses on file, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. 

Ive attached copies of documents to confirm these updates. Please let me know when youve made the changes or if you need any additional information from me. 

Thanks for helping me get this sorted out. 

Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-11-09 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: TX

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: IN

Complaint narrative:
To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-09 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. XXXX and XXXX Please delete the following accountsXXXX. XXXX XXXX {$10000.00}. XXXX XXXX XXXX {$660.00}. XXXX XXXX XXXX {$660.00} XXXX. XXXX {$2000.00}. XXXX. XXXX XXXX XXXX {$4600.00} XXXX. XXXX XXXX {$66000.00} XXXX. XXXX XXXX {$66000.00}. XXXX. XXXX XXXX {$5700.00} XXXX. XXXX {$10000.00}. XXXX. XXXX XXXX {$31000.00}. XXXX XXXX {$2200.00}. XXXX. XXXXXXXX {$560.00}. XXXX. XXXX XXXX {$3400.00}. XXXX. XXXX  XXXX XXXX {$7000.00}. XXXX. XXXX {$500.00}. XXXX. XXXX {$720.00}. XXXX. XXXX {$1600.00}. XXXX. XXXX {$3700.00}. XXXX. XXXX {$690.00}. PLEASE REMOVE ALL THESE ACCOUNTS FROM MY REPORT PLEASE.

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 2024-11-09 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: TN

Complaint narrative:
I was denied auto loan credit by XXXX due to information provided by Credit Reporting Agency Equifax. The information provided to XXXX are as given : a ) Too few accounts currently paid as agreed ( False ) b ) Excessive Obligations c ) Number of recently opened accounts.. 

Key factors are included that adversely affected my credit score are as given : a ) Date of last opened account is too recent b ) Balances on accounts are to high compared to loan amounts c ) Too many delinquent or derogatory accounts ( XXXX ) d ) Insufficient credit history on installments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Hello, I am writing to dispute all the alleged debt you claim I owe you. I do not recognize this alleged debt as my own, I believe you reaching out to collect on this matter is invalid. 

Please provide the following to validate this debt : - My Full Name - My Social Security Number - My Birthdate- The original signed agreement that created the account for this alleged debt - The complete account number for this alleged debt - A complete accounting record that shows the transactions that created this alleged debt - The name and address of the original creditor - The signed assignment agreement between your company and the original creditor that gives you the right to collect on this debt Please provide ALL of these items within 30 days of receipt of this letter so I am able to review these documents to determine if this alleged debt is valid. 

Please CEASE AND DESIST OF ALL COLLECTION ATTEMPTS UNTIL ALL OF THIS DOCUMENTATION IS PROVIDED. 

Thank you, ****They did not provide validation, they provided false statements, this is not a complete validation within the 30 days required by debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-11-09 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: GA

Complaint narrative:
I have formally requested, via certified mail on three occasions, that TransUnion verify the fraudulent accounts appearing on my credit report. I included supporting documentation demonstrating my long-standing experience with fraud on my credit profile. Despite these efforts, TransUnion has repeatedly claimed that the accounts have been verified as mine. However, they have not provided any information regarding the methods or documentation used in their verification process.

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 2024-11-09 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: VA

Complaint narrative:
For over XXXX  months, I have been disputing unauthorized accounts and inquiries reported by TransUnion. Despite submitting comprehensive documentation that includes police reports and an FTC report, these inaccuracies remain on my credit profile. These documents confirm identity theft, providing substantial evidence that should prompt immediate action to remove the disputed items under the Fair Credit Reporting Act ( FCRA ). 

I have also submitted evidence from other credit bureaus, which, upon investigation, deleted the same entries from my report after confirming their unauthorized nature. Despite this, TransUnion has continued to report the following items : Accounts : XXXX XXXX XXXX, XXXX Dividend Inquiries : XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX  ( XX/XX/year> ) XXXX  XXXX ( XX/XX/year> ) Actions Taken by Me : Documented Identity Theft : I provided both a police report and an FTC report confirming identity theft, which should prompt TransUnion to investigate and delete these entries. 

Submitted Evidence from Other Credit Bureaus : Other bureaus investigated and confirmed that these entries were unauthorized, subsequently removing them from my reports. This further supports my claim that these items are fraudulent. 

Repeated Disputes : Over the past year, I have repeatedly disputed these entries with TransUnion, yet they remain on my report without sufficient verification or justification. 

Requested Action : In line with the FCRA and my rights under federal law, I request that TransUnion : Delete the unauthorized accounts and inquiries immediately to reflect accuracy in my credit profile. 
Provide documentation of any verification attempts if they believe these items are valid, detailing the sources and methods used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief