vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the immediate removal of the following fraudulent accounts from my credit report due to identity theft and a data breach that compromised my personal information thus causing a domino effect and financial damage to several accounts. I have included supporting documentation, including a data breach notice, a Federal Trade Commission ( FTC ) Identity Theft Report, and a police report, all of which confirm that I am a victim of identity theft. 
Pursuant to 15 U.S. Code 1681c-2, a consumer reporting agency must block the reporting of any information identified as resulting from identity theft within XXXX ( XXXX ) business days of receipt of a valid request. As more than 30 days have passed without resolution, your failure to act constitutes a violation of federal law. I demand the immediate deletion of the following accounts 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  Furthermore, under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report with the written instruction of the consumer to whom it relates. I have never provided such consent for these fraudulent accounts to be reported, and their presence on my credit file violates my federally protected rights.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting the immediate removal of the following fraudulent accounts from my credit report due to identity theft and a data breach that compromised my personal information thus causing a domino effect and financial damage to several accounts. I have included supporting documentation, including a data breach notice, a Federal Trade Commission ( FTC ) Identity Theft Report, and a police report, all of which confirm that I am a victim of identity theft. 
Pursuant to 15 U.S. Code 1681c-2, a consumer reporting agency must block the reporting of any information identified as resulting from identity theft within XXXX ( XXXX ) business days of receipt of a valid request. As more than 30 days have passed without resolution, your failure to act constitutes a violation of federal law. I demand the immediate deletion of the following accounts : 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 Furthermore, under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report with the written instruction of the consumer to whom it relates. I have never provided such consent for these fraudulent accounts to be reported, and their presence on my credit file violates my federally protected rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, it reflects XXXX late payments on an account for which I made all payments on timeXXXX ACCOUNT NUMBER STARTING WITH XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report information with complete accuracy. This account has always been in good standing, with no late payments. I have attached a copy of my credit report highlighting the inaccuracies for your reference. 

I am requesting that you investigate this matter and provide verifiable proof of the late payments reported. If this information can not be verified, I kindly demand that the late payment records be corrected to reflect on-time payments immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and update me on the status of your investigation.

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 2025-01-12 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, it reflects XXXX late payments on an account for which I made all payments on timeXXXX ACCOUNT NUMBER STARTING WITH XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report information with complete accuracy. This account has always been in good standing, with no late payments. I have attached a copy of my credit report highlighting the inaccuracies for your reference. 

I am requesting that you investigate this matter and provide verifiable proof of the late payments reported. If this information can not be verified, I kindly demand that the late payment records be corrected to reflect on-time payments immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and update me on the status of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: StellarFinance, Inc.
State: FL

Complaint narrative:
I havent been able to use the card as promised for the last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MS

Complaint narrative:
Complaint Details : Company Name : TransUnion Issue : Incorrect information on credit report Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Radius Global Solutions Summary of Complaint : I am filing this complaint to report the failure of TransUnion to address inaccuracies on my credit report. A collection account ( # XXXX ) is listed that does not belong to me. Despite disputing this account in writing, TransUnion has failed to provide adequate documentation verifying the accuracy of the information. 

Specifically : I requested verification under the Fair Credit Reporting Act ( FCRA ) Section 611. 

TransUnion did not provide a copy of the original signed contract or proof of debt. 

I am a victim of the XXXX data breach, which may have led to the fraudulent use of my personal information. 

The account in question is related to medical debt, which is subject to special protections under the XXXX Administrations policies and the No Surprises Act. As outlined in this law : Medical debts under {$XXXX} should not appear on credit reports. 

Credit reporting agencies must allow a XXXX waiting period before reporting unpaid medical debts. 

Medical debts paid by the consumer must be removed from credit reports. 

XXXX failure to comply with these protections further raises concerns about the accuracy and reliability of the reporting process. 

Additionally, I would like to reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which highlights TransUnion 's legal obligation to conduct reasonable investigations when disputes are filed. Failure to do so constitutes a violation of the FCRA, subjecting TransUnion to potential legal liability. Furthermore, as per the FCRA, inaccurate information must be corrected or removed within 4 days of determining it is unverifiable. 
How This Has Affected Me : This incorrect information has negatively impacted my credit score and caused unnecessary stress.

It raises concerns about the reliability of credit reporting and proper investigation procedures.

It has created potential barriers to securing credit and other financial opportunities.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing regarding the multiple hard credit inquiries made by your dealership that appear on my credit report. Upon reviewing my report, I noticed [ XXXX ] inquiries on Experian, [ XXXX ] on XXXX, and [ XXXX ] on XXXX attributed to your dealership across several days. I was unaware that this many inquiries would be conducted, and I believe this violates my expectations of the financing 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 explanation
Consumer complaint received 2025-01-12 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2025-01-12 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2025-01-12 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: AZ

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Deletion of XXXX XXXX XXXX XXXX Account Dear Experian XXXX Department, I am writing to formally request the removal of the following account from my Experian credit report : Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$50000.00} Status : Open, {$990.00} past due as of XX/XX/XXXX Original Balance : {$49000.00} Comments : Completed investigation of FCRA dispute consumer disagrees This account is inaccurately reported and does not reflect my current financial obligations. I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must report accurate and verifiable information. 

Additionally, the recent CFPB lawsuit against Experian ( filed XX/XX/XXXX ) emphasizes the legal requirement for Experian to properly handle disputes and ensure the accuracy of consumer credit reports. 

Requested Action : 1.  Delete the XXXX XXXX XXXX XXXX account from my Experian credit report. 
2. Provide me with an updated copy of my credit report reflecting this change.

3. Cease reporting this account to any third parties. 

Please conduct a proper reinvestigation and correct this issue. If this request is not honored, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

I expect a written response within XXXX days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-12 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: AZ

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Deletion of XXXX XXXX XXXX XXXX Account Dear Experian XXXX Department, I am writing to formally request the removal of the following account from my Experian credit report : Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$50000.00} Status : Open, {$990.00} past due as of XX/XX/XXXX Original Balance : {$49000.00} Comments : Completed investigation of FCRA dispute consumer disagrees This account is inaccurately reported and does not reflect my current financial obligations. I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must report accurate and verifiable information. 

Additionally, the recent CFPB lawsuit against Experian ( filed XX/XX/XXXX ) emphasizes the legal requirement for Experian to properly handle disputes and ensure the accuracy of consumer credit reports. 

Requested Action : 1. Delete the XXXX XXXX XXXX XXXX account from my Experian credit report. 
2. Provide me with an updated copy of my credit report reflecting this change.

3. Cease reporting this account to any third parties. 

Please conduct a proper reinvestigation and correct this issue. If this request is not honored, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

I expect a written response within XXXX days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/XXXX I received my XXXX direct deposit it's been that way from day XXXX. Venmo froze my account again for no reason I've complied 100 %. 

By the unlawfully holding my money I have lost my truck 6 months ago and now I have bonds to be paid and warrant issued if I am late all Venmo continues to hold my XXXX  money from the SSI direct deposit.

Making false claims they are hurting me financially my credit score has dropped off as a direct impact from venmo actions I can't get in touch with the person responsible for the erefreeze.its a midman I deal with who can only tell me they will respond to me in a email XXXX 5 days later.

I want to sue the company the owner the director and the board members for corruption for profiting and hurting me personally efinancially credit score drop the loss of my XXXX XXXX XXXX because venmo refused to release my money to me for 2 months I can't make my loan payment or my bond payment causing me to get arrested, I'm sueing for damages and I have suffered irreversible damages loss of freedom.loss of XXXX. Ok want XXXX XXXX. And they are involved in a scam useing depositers money to broker stocks loosing money out money and profits from our money. In the mean time we as poor people watching the venmo company abuse out rights and illegal use our money refused to refund or allow me to close and withdraw my money as of today my account is froze the company holding and refusing to allow me to withdraw my money from the company. I hold venmo soley responsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estopped by the silence engelhardt.v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) Bankruptcy XXXX  XXXX XXXX Please remove these Inquiries XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MO

Complaint narrative:
On XX/XX/XXXX, I disputed several items but specifically two inaccurate entries on my credit report with XXXX and TransUnion. Despite providing supporting evidence, both credit reporting agencies failed to conduct reasonable investigations or correct the inaccuracies. 

XXXX XXXX XXXX XXXX Credit Card Account : The account is inaccurately reported as " charged off '' with a balance of {$610.00}. However, I received a letter from XXXX XXXX Bank confirming that, as of the date of their letter, the account does not have a credit balance and no refund is due. This demonstrates that the account should reflect a {$0.00} balance with no charge-off status. Despite this, both XXXX and TransUnion continue to report the account inaccurately. 

XXXX XXXX Reporting by TransUnion : TransUnion is inaccurately reporting a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, Case No., XXXX on XX/XX/XXXX ) that has been removed by other credit reporting agencies specifically XXXX after proper investigations. I have repeatedly disputed this inaccurate bankruptcy entry, but TransUnion has failed to correct it or provide proper investigation results justifying their continued reporting. 

Both issues have caused significant harm to my creditworthiness. Despite multiple disputes, neither XXXX nor TransUnion has fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of the information or to investigate disputes thoroughly. Their continued reporting of this inaccurate information is damaging and unacceptable.

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