vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I recently received confirmation from the bankruptcy court stating they did not send my information to the credit reporting agency which means they found and reported it without my consent or sending me any information to verify it was correct which is a violation of U.S. Code 1681b permissible purpose. Also I am the only one who can verify my information correctly before anything is attached to my credit file and they did not send me any information ( physical verifiable proof ) USPS so I could confirm that it belongs or did not belong to me which is another violation of FCRA law 15 U.S. Code 1681s-2 and 15 U.S.Code 1692j. For each violation I could receive monetary compensation of up to {$1000.00} in the court of law, but at this stage of the process I will settle with deleting and blocking it from my consumer report effective immediately also I have attached documentation signed by me and the court stating they do not report to any credit agency which means they stole the information and reported it without my consent or the courts consent that is illegal on so many levels. This has stained my consumer report and caused me so much damage physically, mentally, and financially. I am a single mother working to get me and my kids a place to call home but the credit reporting agency has placed obstacles in my way making it extremely impossible to overcome. im drained mentally and physically and have exhausted all my resources trying to overcome this hurdle. I have been doing intensive researching seeing how is this possible for them to do to me and I have found that what they have done to me is highly illegal and devastating to my future. I just ask the CFPB to help me overcome this battle so I can move forward with my life in peace. Thank you for your time and consideration to listen to what I had to say hopefully you resolve this issue immediately or I may have a XXXX XXXX due to stress and 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 2024-12-06 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed a credit inquiry listed that was madeby the following entity. However, I did not authorize this inquiry, and I am disputing itsinclusion on my report. XXXXXXXX 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 2024-12-06 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:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXXXXXX XXXX  Opened on XX/XX/XXXX Unauthorized Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: OR

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and I request that you immediately block and delete certain inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following inquiries were made without my knowledge or authorization and are the result of fraudulent activity : Fraudulent Inquiries : XXXX. XXXX Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NJ

Complaint narrative:
I am writing in response to your investigation results regarding the late payment reported by XXXX XXXX  on account number XXXX. While you have provided me with payment history and account details, this does not constitute full verification under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which mandates that a credit reporting agency must establish and follow reasonable procedures to ensure the accuracy of the information it reports.

Additionally, I must bring to your attention that there are two specific late payments reported on this accountdated [ XX/XX/2020 ] and [ XX/XX/2020 ]. These payments were, in fact, made on time, and the reporting is inaccurate. Even more troubling, the other major credit bureaus correctly report this account as Paid on Time.

I respectfully request that you conduct a thorough investigation by : Contacting the creditor directly to confirm the late payment and obtaining specific documentation to substantiate its accuracy, providing me with the name, address, and contact details of the data furnisher, and confirming the specific records and methods used during the verification process.

If you can not provide adequate proof of the accuracy of these reported late payments, I request their removal from my credit report as required by law.

Thank you for addressing this matter promptly. I look forward to receiving a written response detailing the steps you have taken to ensure compliance with 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
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company Portfolio Recovery and XXXX and XXXX XXXX has sent me documents via mail of a case against me and also garnishment of a chase account that is legally jointed by my husband and I do not have full access to. They have sent a hold of {$2400.00} on my husbands account. As far as I know portfolio recovery been harassing me by phone, mail and email for the past 7 years as this debt is pass XXXX XXXX XXXX and should by law be taken off my credit reporting and a case should not be build against after attempting to collect debt for me its way too old. I have filed a complaint on here before against them and I believe their action is to take garnishments of a random bank account which they do not even have the right to. I would like something to be done here. It looks like they took their company off my credit reporting but sending a case letter to garnish my income this is complete harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-12-06 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 recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-12-06 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: NY

Complaint narrative:
Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S.Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities withfairness, impartiality, and a respect for the consumers right to privacy. Im exercising thisright under the code. Please see the following information is handled with the utmostfairness, impartiality and respect for my right to privacy. For the record, Im the one whosinitiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dontget why youre claiming these are fraudulent or of a high risk nature. The documents Iveprovided are legit. These are mine, filed with the appropriate agencies & support myposition. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwiseprovided in this section, a consumer reporting agency shall block the reporting of anyinformation in the file of a consumer that the consumer identifies as information thatresulted from an alleged identity theft, not later than 4 business days after the date ofreceipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copyof an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to anytransaction by the consumer. In your previous correspondence you mentioned that myidentity theft report needed to be filed with a law enforcement agency which subjects tocriminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A lawenforcement agency. My FTC Report # is XXXX I dont think you have reviewed thedocuments submitted & are sending me frivolous boiler plate responses to deflect fromyour responsibility to comply with FCRA laws. Furthermore, you have failed to provide themethod of verification as required under Section 611 ( a ) ( 7 ). Please be advised that underSection 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all informationwhich can not be verified. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirementimposed under this title with respect to any consumer is liable to that consumer in anamount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result ofthe failure ; and ( 2 ) in the case of any successful action to enforce any liability under thissection, the costs of the action together with reasonable attorneys fees as determined bythe court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : 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 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 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 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 Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX 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 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 DEPT OF ED/XXXX Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX Account # : XXXX Balance : {$2800.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX  Account # : XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX  Account # : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX  Account # : XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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 2024-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute for a charge in early XXXX XXXX XXXX with my bank. Following my dispute, they provided me with temporary credit for the amount that was charged. A few weeks later, they denied the dispute and reversed the credit that was given to me, which made my account go negative once the credit was taken back. I disagreed with their denial, so I filed an appeal/rebuttal, so they can take a closer look at my dispute. I filed the appeal on XX/XX/year>. I have been waiting to hear something back from the bank for almost XXXX MONTHS. In the meantime, I have been calling nonstop to see if theres an answer and I havent heard anything. I was also worried that in order to reverse my negative balance on the account, the bank would try to withdraw from my savings account, in order to zero out the balance on my checking account. I had this concern back in XXXX and I asked the customer service representative, and they assured me that nothing will be withdrawn from my savings account, since that is not the account on file for the dispute. To my absolute shock, I found today, the bank withdrew {$330.00} from my savings account in order to fix the negative balance on my checking ; after the customer service rep explicitly told me this would not happen. Absolutely unsure of what to do now, as this is evidently the most incompetent level of work I have ever seen in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
Statewide Credit Services wrongfully placed collection on me, harming my credit greatly for the last 3 years. Beginning from XXXX to today, on a monthly basis, they damaged my credit score by placing collection every month, for the money that I do not owe XXXX XXXX XXXX XXXX. As a result of the lawsuit provided, the case had been dismissed. 
In addition, I am currently going through a dispute with XXXX XXXX XXXX XXXX where they have wrongfully overcharged rent on the rent stabilized property that I resided in. I moved out in XXXX of XXXX and paid my rent in full. This is currently under review by XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX and was submitted on XX/XX/XXXX. The XXXX has also provided the rental history under request no. XXXX as provided in supporting documents along with the case dismissal provided. Statewide Credit Services has wrongfully placed me on collection and has ruined my potentially perfect credit score due to their negligence.

Company response to consumer: Closed with explanation