vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
The three inquires listed are not mines. Please delete. They are fruad. 

Inquiry details 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 2025-01-08 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:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, equifax and XXXX credit reporting agencies block/remove 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 personal and collections accounts listed below. 
Account Name XXXX XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX, XXXX Account Balance : {$550.00} Account Name : XXXX  XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$320.00} Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$600.00} COLLECTIONS : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$130.00} HARD INQUIRIES : Inquiry Name : XXXX Inquiry Date : XXXX. XXXX, XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX and experian credit reporting agencies block/remove 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 personal and collections accounts listed below. 
Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX, XXXX Account Balance : {$550.00} Account Name : XXXX  XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$320.00} Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$600.00} COLLECTIONS : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$130.00} HARD INQUIRIES : Inquiry Name : XXXX Inquiry Date : XXXX. XXXX, XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a 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 2025-01-08 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-08 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX for several years now I've had a credit freeze on my credit report because of fraudulent activity. I have asked over and over for a investigation, to have them show me it was mine and they just keep saying all info correct. 
It's not. It's fraud and every time I get XXXX or experience to remove it it comes right back the next month. This has cost me XXXX  of dollars in loans lost and extra interest charges. 
I want my credit right and some of my money back but to no avail. I'm retaining a attorney.

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 2025-01-08 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: NJ

Complaint narrative:
There are 2 hard inquiries on my XXXX account for XXXX XXXX XXXX dated XX/XX/XXXX. The other is XXXX XX/XX/XXXX. These are fraudulent and do not belong to me. I do not fill out any applications for these companies. I have reported to the bureau, but no luck on resolution of these fraud hard inquires. 

There is also a credit card account that does not belong to me. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account open XX/XX/XXXX closed XX/XX/XXXX. This is a fraudulent account and wish to have this removed from my credit file. The account is listed on all 3 credit bureaus ( XXXX, XXXX, Experian ). I need help in this process. 

In addition, there is a new account on all 3 credit bureaus I'm requesting to dispute. XXXX XXXX dated XX/XX/XXXX. I do not recall this account and need assistance in deleting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CORELOGIC INC
State: NJ

Complaint narrative:
There are 2 hard inquiries on my XXXX account for XXXX XXXX XXXX dated XX/XX/XXXX. The other is Credco XX/XX/XXXX. These are fraudulent and do not belong to me. I do not fill out any applications for these companies. I have reported to the bureau, but no luck on resolution of these fraud hard inquires. 

There is also a credit card account that does not belong to me. XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Account open XX/XX/XXXX closed XX/XX/XXXX. This is a fraudulent account and wish to have this removed from my credit file. The account is listed on all 3 credit bureaus ( XXXX, XXXX, XXXX ). I need help in this process. 

In addition, there is a new account on all 3 credit bureaus I'm requesting to dispute. XXXX XXXX dated XX/XX/XXXX. I do not recall this account and need assistance in deleting.

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 2025-01-08 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
There are 2 hard inquiries on my XXXX account for One Main Financial dated XX/XX/XXXX. The other is XXXX XX/XX/XXXX. These are fraudulent and do not belong to me. I do not fill out any applications for these companies. I have reported to the bureau, but no luck on resolution of these fraud hard inquires. 

There is also a credit card account that does not belong to me. XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Account open XX/XX/XXXX closed XX/XX/XXXX. This is a fraudulent account and wish to have this removed from my credit file. The account is listed on all 3 credit bureaus ( XXXX, XXXX, XXXX ). I need help in this process. 

In addition, there is a new account on all 3 credit bureaus I'm requesting to dispute. XXXX XXXX dated XX/XX/XXXX. I do not recall this account and need assistance in deleting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made or accounts I have opened. It is the result of identity theft. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX I am victim of identity theft and have included my FTC report. Please remove the account from my credit report The account was previously deleted and than reinserted back on my credit report without proper documentation or method of verification on how this account was proven to be open by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is regarding Experian. They randomly dropped our credit score today by XXXX points even though we continue to pay down our debt. We have not applied for additional credit. This continues to occur. Yet, it takes months to gain the lost ground in points. They may add a few points at a time. When you call the XXXX number, they say it is only for limited questions. When you use Chat on the website, they say call the XXXX number. A complete circle of avoidance. 

Yet, they continue to send emails saying we qualify for new credit cards due to our credit rating. It appears to be all about their marketing schemes to get consumers to log in to their website. We log in to see what happened to the score... only to find more advertisements and NO concrete reason as to why credit dropped. The website CHAT did say our debt was lower but could not answer as to why score dropped XXXX XXXX 

THis company is very HARMFUL to consumers due to lack of transparency, customer service avoidance and continual push for consumers to take on more credit. 

How do they continually get away with this?

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 2025-01-08 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Palisades Funding Corporation
State: FL

Complaint narrative:
BOUGHT A XXXX XXXX XXXX FROM XXXX MOTORS IN XXXX. THEY PROMISED THE FOLLOWING ITEMS FOR REIMBURSEMENT. 

XXXX. XXXX TICKETS FOR EXPIRED PLATES XXXX. XXXX XXXX XXXX. WARRANTY XXXX. FIX CRACKED WINDSHIELD I SPOKE TO THE XXXX CO AND TOLD THEM THAT THESE ISSUES NEEDED TO BE DEALT WITH BEFORE PAYMENT WOULD BE SENT. 
INSTEAD OF DEALING WITH THE ISSUES THEY SENT A TOW TRUCK TO QUIETLY TAKE THE VEHICLE WITH MY WORK UNIFORM AND FOOD INSIDE. 
THE PAYMENT WAS DUE XX/XX/year> AND NOT EVEN A MONTH HAS PASSED AND THEY SEIZED THE VEHICLE AND REFUSED TO TELL ME HOW GET MY VEHICLE BACK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I certified mail a dispute letter to TRANSWORLD SYSTEMS INC. on XX/XX/2024, about an inaccurate account thats being reported to my consumer report TRANSWORLD SYSTEMS INC did not provide me with the original the information below 1. Proof of my signature on any agreement that establishes this account as valid and that I agreed to pay this creditor. 2. Documentation of any insurance claim filed on this debt. 3. Proof that you have the legal chain of title to collect on this debt. 4. A detailed list of the history of payments made by me on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Ive been a victim of identity theft the fraudulent accounts Ive listed are enclosed in the attachments along with a recent police 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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear XXXX XXXX, I recently had multiple issues with XXXX XXXX at XXXX XXXX. They are still posting payments late and blaming customers. After your $ XXXX settlement with them, they have treated customers worse and reported me late when they even said it was a mistake and 60 days later blamed it on me. XXXX XXXX and XXXX XXXX work at XXXX XXXX and I think they are incompetent and discriminated against my skin XXXX. I hope you fix this as I don't think this is fair. 

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