vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: IL

Complaint narrative:
I am writing to formally submit a complaint regarding an unauthorized credit inquiry that appears on my Experian credit report, which has been unjustly left unresolved despite my attempts to address the issue directly with the credit bureau. Upon reviewing my credit report, I identified an inquiry dated XX/XX/year>, from XXXX XXXX  XXXX, which I did not authorize. I have my Report FTC # XXXX reporting the situation, According to Section 604 of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are only permitted to provide credit reports under specific circumstances. However, in this instance, no permissible purpose exists for this inquiry, as outlined under 15 U.S. Code 1681b. The creditor has failed to provide any documentation or proof, whether written or verbal, demonstrating that I authorized this inquiry.Additionally, under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, the consumer reporting agency is required to verify each inquiry listed on my credit report by producing the original signed contract or authorization from the consumer. Despite my formal request, no such verification has been provided, and the inquiry remains on my report. This failure to verify raises concerns about potential fraudulent activity, which could negatively impact my credit report and financial standing.Experian has denied my requests to remove this unauthorized inquiry, which directly violates my rights under the FCRA. As a consumer, I am entitled to accurate and verified information on my credit report, and this inquiry does not meet the legal requirements for inclusion.I respectfully request that the CFPB take immediate action to ensure that Experian complies with its obligations under the FCRA and removes this unauthorized inquiry from my credit report. I appreciate your prompt attention to this matter. 
Regards 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 2024-10-18 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and XXXX XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-10-18 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: CA

Complaint narrative:
Ive been calling Equifax every day for past 3 days and they will not help me. This is my 6th time trying to fix this situation with Equifax and they do not seem to care what goes on, I have let them know in past complaints that there are unauthorized inquiries in my report, and since these are not mine they should be completely wiped out and deleted from my consumer report. I have called in several times and the customer service line never wants to help, they put me on hold for 20 minutes or more and ask me to talk to the issuing company about the inquiry. Why? I did not make those inquiries, I supply them with all my correct personal information so they know its me, and im letting them know that they are completely unauthorized, yet they do not do anything about it. Equifax has impeded me from getting other credit products and this is just unfair since I pay all my debt and due dates on time every single month. This company is supposed to be protecting customers and they need to be corrected and I wish they would listen to consumers. They are causing me constant depression and stress, please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
THIS IS NOT A DUPLICATE- I am submitting this formal complaint regarding the unlawful debt collection practices and improper credit reporting by Portfolio Recovery Associates , LLC ( PRA ). Over the course of the past several months, I have been diligently trying to resolve this issue through multiple disputes with the CFPB. However, despite my efforts, PRA continues to furnish the same invalid information, failing to address the legal violations surrounding this account. 

As of today, XX/XX/year>, I have once again received the same documentation from PRA that I received a few weeks ago, following my previous complaint filed on XX/XX/year>. The information provided by PRA continues to prove that : The debt is time-barred under Louisiana law : The last payment on this account was made more than three years ago, and thus the debt is now past the prescription period for collection, per Louisiana Civil Code 3494, which establishes a three-year statute of limitations for open accounts. Despite this, PRA insists on pursuing collection, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA 807 ( 5 ) ).

No Final Demand Letter was sent : In violation of Louisiana Revised Statutes 9:3527, XXXX XXXX  did not issue a final demand letter before charging off and selling the account. The only correspondence PRA has produced is a letter of sale, which is insufficient under Louisiana law.

Premature Charge-Off : The account was charged off two days before the due date, which is improper and violates the terms of my agreement with XXXX XXXX  XXXX This premature charge-off means the account should not have been sold to PRA in the first place.

Despite the clarity of these violations, PRA has continued to assert that the debt is valid, providing the same unsubstantiated documentation in response to each of my complaints. Their failure to address the factual and legal issues surrounding this debt, and their ongoing attempts to collect, are not only frustrating but also unlawful. 

I have submitted a formal dispute through Portfolio Recovery Associates dispute email and have attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX XXXX and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received a paper correspondence on XX/XX/year>, and XX/XX/year> Their response was a " XXXX '' response that " XXXX has a reasonable belief that the dispute is submitted by,, is prepared on your behalf by, or is submitted on a form supplied to you by,, a credit repair organization '' which is false the letters were sent by myself, without a credit repair organization, and without any forms created by myself and on my behalf. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

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 2024-10-18 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: MS

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
his account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  number 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
Consumer complaint received 2024-10-18 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: IL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: IL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-18 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: NY

Complaint narrative:
please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable.

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report.

Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information. 


XXXXXXXX XXXX XXXXXXXX : XXXX The balance reported is incorrect

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 2024-10-18 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: WI

Complaint narrative:
[ XXXX XXXX XXXX ] HIGHEST BALANCE {$810.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ___________________________________________________________________________ [ XXXX XXXX XXXX XXXX ] Highest Balance {$130.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ____________________________________________________________________________ [ XXXX XXXX XXXX ] Other {$760.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ______________________________________________________________________________ I request that you provide me with validation of this debt as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Additionally, I want to bring to your attention potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ). Medical collections are subject to strict privacy regulations, and I believe that this collection may have been reported in violation of my rights under HIPAA.

As required by law, you must provide me with the following : Proof of Debt : I demand a complete validation of this alleged debt, including a copy of the original contract or agreement that shows I am legally obligated to pay this amount.

Account History : Provide a detailed account history, including all payments made and any documentation that substantiates the validity of this claim.

Creditor Information : Identify the original creditor and provide their contact information.

HIPAA Compliance : Explain how you obtained my medical information and confirm that my rights under HIPAA have been upheld in this reporting.

You have 30 days from the receipt of this letter to respond with the requested documentation. If you fail to provide this validation within that timeframe, I expect the immediate removal of this collection account from my credit report, as it will be considered unverified.

Please be aware that any further reporting of this collection without proper validation, or any disclosure of my medical information in violation of HIPAA, will be seen as a violation of my rights and may result in legal action.

I expect your prompt attention to this matter. All correspondence should be sent to my address listed above.

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 2024-10-18 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: WI

Complaint narrative:
[ XXXX XXXX XXXX ] HIGHEST BALANCE {$810.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ___________________________________________________________________________ [ XXXX XXXX XXXX XXXX ] Highest Balance {$130.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ____________________________________________________________________________ [ XXXX XXXX XXXX  ] Other {$760.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ______________________________________________________________________________ I request that you provide me with validation of this debt as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Additionally, I want to bring to your attention potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ). Medical collections are subject to strict privacy regulations, and I believe that this collection may have been reported in violation of my rights under HIPAA.

As required by law, you must provide me with the following : Proof of Debt : I demand a complete validation of this alleged debt, including a copy of the original contract or agreement that shows I am legally obligated to pay this amount.

Account History : Provide a detailed account history, including all payments made and any documentation that substantiates the validity of this claim.

Creditor Information : Identify the original creditor and provide their contact information.

HIPAA Compliance : Explain how you obtained my medical information and confirm that my rights under HIPAA have been upheld in this reporting.

You have 30 days from the receipt of this letter to respond with the requested documentation. If you fail to provide this validation within that timeframe, I expect the immediate removal of this collection account from my credit report, as it will be considered unverified.

Please be aware that any further reporting of this collection without proper validation, or any disclosure of my medical information in violation of HIPAA, will be seen as a violation of my rights and may result in legal action.

I expect your prompt attention to this matter. All correspondence should be sent to my address listed above.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. 

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. 

Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information. 


DEPT OF EDXXXX : XXXX The balance reported is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. 

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. 

Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information. 


DEPT OF EDXXXX : XXXX The balance reported is incorrect

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 2024-10-18 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: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS AS PER THE GUIDANCE FROM THE CFPB THE DOCUMENTS NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT XXXX, WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM VICTIM OF XXXX  XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELTED FROM CREDIT REPORT! PLEASE DELETE THHE FOLLOWING ACCOUNTS XXXX XXXX  {$61000.00}, XXXX {$11000.00}

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