vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: AZ

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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 2024-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Stone Haven Capital
State: KS

Complaint narrative:
I believe my vehicle was illegally repossessed. I financed a vehicle through Stone Haven Capital in Oklahoma. I live in Kansas, I understand laws fall to the state of the company. They threatened to illegally repossess my truck in XX/XX/year> for being a singular day late. Even went as far as to have a fake tow company text my cell phone, law states that I am given a 10 grace period through both Kansas and Oklahoma. They tried to use intimidation and malicious tactics to force me to pay immediately. This within itself is a breach of most any contract especially on their end for antitrust. ( All of this came after I requested a 10 day pay off to transfer my business elsewhere ). I forced them to issue a right to cure notice. Made up the payment, not once during the duration of my loan did I ever have a late payment. Not even 10 days to this point. Not a single payment has been reported to a credit bureau. In XXXXXXXX XXXX XXXX I had a lapse of auto insurance due to a water damaged cell phone ( couldnt make the payment without account access ). I have all of the receipts of how long it took to get a new phone as I travel for a living and they arent always easily available. I also have a receipt from my insurance provider showing I made a payment on XX/XX/year>. I Immediately got insurance reinstated on the vehicle. That following weekend my truck was repossessed out of my coworkers driveway. It stayed there as we carpooled frequently. My contract states that if I fail to maintain auto insurance that it would be provided to me at a premium rate. They opted not to accommodate the term of the loan and chose to take my vehicle. The insurance lapse was less than 30 total days. That doesnt justify the fact that it lapsed, its just a bit ridiculous to have a loan for the duration of time I had and to default due to insurance that was quickly reinstated. These folks run their business through texting their customers and a XXXX XXXX XXXX It was who the dealership had as their financing company. The dealership was XXXXXXXX XXXX XXXX XXXXXXXX Oklahoma.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA

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 2024-10-22 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 filling FTC Identity Theft to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. XXXX opened at XXXX XXXX {$470.00} on XX/XX/XXXXXXXX XXXX opened at XXXX XXXX XXXX {$470.00} on XX/XX/XXXX XXXX  opened at XXXX XXXX XXXX {$830.00} on XX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXX {$1400.00} on XX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXX XXXX XXXX  {$300.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-10-22 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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 filling FTC Identity Theft to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. XXXX XXXX opened at XXXX XXXX XXXX {$470.00} on XX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXXXXXX {$700.00} on XX/XX/XXXXXXXX XXXX XXXX  opened at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXX XXXX {$140.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint to CFPB Regarding Experian 's Refusal to Correct Inaccurate Address Information Dear Consumer Financial Protection Bureau ( CFPB ) Complaints Department, I am writing to file a formal complaint against Experian for their failure to correct inaccurate address information on my credit report. Despite providing extensive evidence to support my claim, Experian has refused to remove the following outdated addresses from my credit report : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX FL XXXX I wish to reiterate that I have never lived at, conducted business from, or had any association with these addresses. My current and accurate residential address is : XXXX XXXX XXXX, XXXX XXXX, Florida XXXX Both XXXX and XXXX have appropriately updated my address information in line with my current residence. To substantiate my dispute and facilitate the correction process, I have enclosed copies of my utility bill and driver 's license as proof of my current address. 

Experian 's refusal to correct this misinformation is not only a violation of the Fair Credit Reporting Act but also undermines the accuracy and reliability of my credit report. Furthermore, I have been unjustly restricted from disputing this personal information through Experian 's customer portal.

I urge your agency to investigate this matter thoroughly and compel Experian to rectify the inaccuracies promptly by using the appropriate Credit Fair Reporting Act codes. It is imperative that my credit report accurately reflects my current address to prevent any further discrepancies in my financial transactions.

Thank you for your attention to this matter, and I look forward to a swift resolution to ensure the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
Subject : Request to Remove Unrecognized Hard Inquiries and Address Data Breach Concerns Dear CFPB Complaints Department, I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit report and to express concerns related to a data breach involving XXXX Credit Bureau. I recently discovered the following hard inquiries on my credit report that I am unaware of : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Experian : XXXX. XXXX XXXX - XX/XX/year> I have no knowledge of these credit inquiries and did not authorize them. To support my dispute, I have attached a report from the Federal Trade Commission ( FTC ) requesting the removal of these hard inquiries from my credit report. 

Moreover, I am deeply concerned about a data breach involving XXXX Credit Bureau, as my personal information may have been compromised. Given this breach, I am worried about the security of my sensitive data and the potential impact on my credit profile. 

I request that the CFPB investigates these unauthorized hard inquiries, ensures their removal from my credit report, and addresses the data breach concerns related to XXXX Credit Bureau. Additionally, I seek assurance that my personal information is protected and that measures are in place to prevent any further unauthorized access to my data. 

I appreciate your attention to these urgent matters and look forward to a prompt resolution to safeguard my credit information and privacy. 

Thank you for your assistance in addressing these critical issues.

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 2024-10-22 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: GA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-22 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 filing this FTC Identity Theft to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at 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 demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-10-22 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: GA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Filed disputes through XXXX XXXX and explained and all i was sent back was that eveything was right to them, and stuck them on my record for collections and real bad derogatory marks that are hurting me financially. Ive been trying to figure out whos stolen my identity and its very hard im spending what little money i have left to try and get my life back. It took me XXXX amd a half years just to get my credentials back to find out ive been getting my credit abused and its like they don't care how much you struggle they just hit a button and keep going on about their day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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 filling FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. COLLECTION opened at XXXX XXXX {$470.00} on XX/XX/XXXX COLLECTION opened at XXXX XXXX XXXX {$470.00} on XX/XX/XXXX COLLECTION opened at XXXX XXXX XXXX  {$830.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
Subject : Request to Remove Unrecognized Hard Inquiries and Address Data Breach Concerns Dear CFPB Complaints Department, I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit report and to express concerns related to a data breach involving XXXX Credit Bureau. I recently discovered the following hard inquiries on my credit report that I am unaware of : TransUnion : XXXX. XXXX XXXX XXXX XXXX Hard Inquiry - XX/XX/year> XXXX. XXXX Hard Inquiry - XX/XX/year> XXXX : 3. Hard Inquiry - XX/XX/year> I have no knowledge of these credit inquiries and did not authorize them. To support my dispute, I have attached a report from the Federal Trade Commission ( FTC ) requesting the removal of these hard inquiries from my credit report. 

Moreover, I am deeply concerned about a data breach involving XXXX Credit Bureau, as my personal information may have been compromised. Given this breach, I am worried about the security of my sensitive data and the potential impact on my credit profile.

I request that the CFPB investigates these unauthorized hard inquiries, ensures their removal from my credit report, and addresses the data breach concerns related to XXXX Credit Bureau. Additionally, I seek assurance that my personal information is protected and that measures are in place to prevent any further unauthorized access to my data. 

I appreciate your attention to these urgent matters and look forward to a prompt resolution to safeguard my credit information and privacy. 

Thank you for your assistance in addressing these critical issues.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 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: CA

Complaint narrative:
RESPOND TO ANOTHER TransUnion File NumberXXXX. I have been dealing with TransUnion for the past three months as I am a victim of both financial fraud and identity theft through coercion. Please see the attached legitimate documentation from U.S. law enforcement agencies. Please stop harassing me by repeatedly stating that TransUnion is unable to block negative reporting on my credit report. After all these months, I have provided more than just my electronic identity theft report filed with the FTC. You have everything you need, including my FBI letter and other documents from law enforcement agencies that have received my identity theft report. Please see the attached evidence. At this point, TransUnion is obviously harassing me, as I am a victim of a federal crime that you refuse to acknowledge. This is also a violation of the FCRA. If the credit reporting agency includes inaccurate information about the federal crime on the victims credit report, leading to negative impacts on my credit score, TransUnion is absolutely violating the FCRA.

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