vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 


XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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:
Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against XXXX, XXXX, and Experian for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Issuance by a Collection Agency : XXXX. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name 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

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 2024-12-24 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:
I am writing to inform you that I am a victim of a data breach and request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were either fraudulently opened or impacted as a result of the breach. 
The following accounts have been affected : Account Information : XXXX  XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$270.00} XXXX  XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$170.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$220.00} XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$480.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$190.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$5500.00} UNAUTHORIZED COLLECTION Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX Account number : XXXX XXXX Date opened : XX/XX/XXXX, Amount : {$180.00}

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 2024-12-24 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: NC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were either fraudulently opened or impacted as a result of the breach. 
The following accounts have been affected : Account Information : XXXX  XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$270.00} XXXX  XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$170.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$220.00} XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$480.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$190.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$5500.00} UNAUTHORIZED COLLECTION Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX Account number : XXXX XXXX Date opened : XX/XX/XXXX, Amount : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I have identified inaccuracies in the information reported to Early Warning Services , LLC regarding discrepancies associated with my name in relation to XXXX XXXX. I formally request the immediate removal of this inaccurate information from my Early Warning consumer report. Additionally, I would like to clarify that this debt has not been properly validated. As such, I demand the removal of this account from my report by the date of this letter. Despite my repeated attempts to resolve this issue through customer service, I have not received a satisfactory resolution, and my complaints have been marked as duplicates without proper validation or response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive proper validation of this debt. Therefore, I dispute the validity of the account in question and consider it to be fraudulent. I am prepared to take legal action if this matter is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MO

Complaint narrative:
During a review of my credit report, I spotted some billing mistakes. The listed late payments are inconsistent with my normal payment habits. Please rectify these issues and update my account accordingly.

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 2024-12-24 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX, XXXX - XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 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 2024-12-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hi there. I am a victim of identity theft and i have applecard reporting in my consumer credit report. It does not belong to me, i filed for FTC report and sended to credit bureaus to remove that fraudulant account out of my report. But they keep coming up with all kind of nonsense excuses not to remove or delete it. Please help me solve this,, its causing damadge to my score and im planning to finance a home morgage.. thank u in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-12-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Your notification of a 60-day timeline for resolving my credit report dispute is unacceptable and a clear violation of the Fair Credit Reporting Act ( FCRA ). Under 611 ( 15 U.S.C. 1681i ), you are legally required to complete an investigation within 30 days of receiving a dispute, or within 45 days if additional relevant information is provided. There is no provision under the FCRA allowing for a 60-day response period. 

Given the urgency of this matter and the impact on my financial standing, I demand that you locate my credit file, complete the investigation, and provide a full resolution within 15 days from the date of this letter. This expedited timeline is warranted due to your prior failure to resolve the issue promptly. 

Failure to comply with this demand will leave me no choice but to escalate the matter. I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Pennsylvania Attorney Generals Office. 
Seek legal action to enforce compliance with the FCRA and pursue damages for the undue delay and harm caused. 
Notify federal regulators to audit your compliance practices. 
This is your final notice. I expect immediate confirmation that my credit report has been located and that the investigation and resolution will be completed within the specified timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
XXXX XXXX XXXX sold my account to a 3rd party, which is a HIPPA Violation 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable Date of service XX/XX/year>. Original Creditor XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Sold to third party FMA Alliance XXXX XXXX XXXX. XXXX, TX. XXXX Contact No. XXXX Amount paid {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
I am writing to formally dispute recent credit inquiries and the subsequent drop in my credit score, which I believe are directly related to a data breach involving my personal information. I became aware that my information was compromised as part of a recent breach, and shortly afterward, I began noticing unauthorized credit inquiries on my account. 

These inquiries have negatively impacted my credit score, and I suspect they are a result of the breach. I have not authorized these credit checks, nor did I apply for any new credit accounts during this period. It is deeply concerning to me that my credit score has been affected by this breach, and I request that these inquiries be investigated and removed if they are determined to be unauthorized or fraudulent. 

I would appreciate it if you could review my credit file, provide a detailed explanation of the unauthorized inquiries, and take immediate steps to correct my credit score. Additionally, I would like to receive confirmation that these actions have been taken and that my credit report is fully corrected. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-12-24 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: NY

Complaint narrative:
I am writing to formally dispute recent credit inquiries and the subsequent drop in my credit score, which I believe are directly related to a data breach involving my personal information. I became aware that my information was compromised as part of a recent breach, and shortly afterward, I began noticing unauthorized credit inquiries on my account. 

These inquiries have negatively impacted my credit score, and I suspect they are a result of the breach. I have not authorized these credit checks, nor did I apply for any new credit accounts during this period. It is deeply concerning to me that my credit score has been affected by this breach, and I request that these inquiries be investigated and removed if they are determined to be unauthorized or fraudulent. 

I would appreciate it if you could review my credit file, provide a detailed explanation of the unauthorized inquiries, and take immediate steps to correct my credit score. Additionally, I would like to receive confirmation that these actions have been taken and that my credit report is fully corrected. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA Federal Savings Bank ] [ XXXX XXXX, TX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear USAA Federal Savings Bank, I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. 

As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report.

The details of the accounts are as follows : Account Number : XXXX Balance : {$16000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$15000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$21000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$20000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$150.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX XXXX XXXX MORTGAGE XXXX XXXXXX/XX/XXXX

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