vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their unlawful reporting of a late payment auto loan account on my credit report. 

( XXXX XXXX XXXXXXXX ) This unauthorized reporting has been ongoing despite multiple attempts to address the issue through certified mail, which has been met with no resolution. I firmly believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Under 15 USC 1681b ( permissible purposes of consumer reports ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written instructions or consent to these agencies to report the aforementioned auto loan account on my consumer report, yet they continue to disregard my correspondence and persist in reporting the account.

Furthermore, 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS from the definition of a " consumer report '' any report that contains information solely as to transactions or experiences between the consumer and the person making the report. This auto loan account falls under this exclusion and should be excluded from my consumer report. The continued reporting of this account is therefore not only unauthorized but also illegal.

I wish to emphasize that I am prepared to seek damages for each violation, including : Defamation of Character : The inaccurate reporting of this late payment negatively impacts my creditworthiness and has the potential to harm my reputation.

Enablement of Identity Theft : Unauthorized reporting can expose personal information and increase the risk of identity theft. 

Violation of the FCRA : XXXX, Equifax, and XXXX are in violation of the FCRA by reporting this account without my written consent. 

Violation of the Fair Debt Collection Practices : The reporting of this account without proper authorization violates fair debt collection practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary action against XXXX, Equifax, and XXXX for their unlawful actions. I also seek assistance in ensuring the immediate removal of this erroneous account from my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$100.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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 is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I never did business with Portfolio Recovery Associates LLC but they reported a debt to all three credit agencies XXXX, XXXX, and XXXX. This company reported a debt of {$620.00} with an account # of XXXX on XX/XX/2021. The original creditor was XXXX XXXX XXXX I never received any notification that this debt was owed and want it to be removed as soon as possible. I tried disputing this debt with all three credit agencies, Portfolio Recovery Associates LLC and XXXX XXXX XXXX  but all was just a waste of time and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to REMOVE the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2022 XXXX : XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 TRANSUNION : XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES must block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-07 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: MS

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to REMOVE the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2022 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES must block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
A third party credit card debt collector is charging me due to a credit card that was not approved by me, my social security card was lost a long time ago and I never got the chance to report my social security card since I know it by memory and now they are telling me to pay off the debt which I never knew about it. The amount they want me to pay is {$500.00} from a credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
1. On XX/XX/2023, I opened a checking account at Truist Bank with a deposit of {$50.00} ( page XXXX ). 
2. On XX/XX/2023, Truist sent me a letter stating that my account ( ending XXXX ) was being closed ( page 2 ). I verified that the account was closed because the direct deposit of my salary was returned. 
3. On XX/XX/2023, Truist sent a letter to collect {$52.00} for the overdraft and closing fee ( page XXXX ). This makes no sense because my account was closed on XX/XX/2023. They have not even refunded my initial deposit of {$50.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
While checking my most recent credit report, I noticed this unauthorized, false, and potentially fraudulent reporting inquiry made by the following companies : Inquiry in Dispute : 1. XXXX XXXXXXXX Delete this Inquiry for fraudulent reporting because The Inquiry was reported on XX/XX/2022 and I was never notified. 

I did not authorize anyone employed by this company to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. 

I previously, requested proof of the validity of this inquiry but did not receive any information from you. 

Also, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately. 

The Inquiry was reported on XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See document attached

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and growing frustration regarding the numerous attempts to correct a late open account associated with my credit report with Credit Bureaus. Despite my persistent efforts, I regret to say that this issue remains unresolved. 

I first brought this matter to your attention, when I noticed that my account statement inaccurately reflected a late open account, which has continued to negatively impact my financial standing. Following my initial communication, I engaged in extensive correspondence with your customer service department and provided all necessary documentation to support my case. Despite the promises of resolution, the problem persists. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly illustrate the ongoing issue. It is imperative to reiterate that this discrepancy is not a result of any negligence on my part, but rather a recurring error on the part of your company 's accounting department. 

I have made repeated efforts to address this issue, each time with the expectation of a satisfactory resolution. However, I find myself still facing the same problem with no resolution in sight. This not only causes frustration but also adversely affects my credit score, financial credibility, and overall trust in your company. 

I urgently request that you take immediate and decisive action to investigate and correct the inaccuracies in my account statement, specifically regarding the late open account. It is imperative that this matter is resolved expeditiously to ensure the accuracy of my financial records and the integrity of my credit report. 

Furthermore, I kindly request that you provide me with written confirmation once the correction has been made and an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are essential for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 i sent a letter regading inaccurate and unknown things on my report its been more than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 

i surely was a victim of the XXXX date breach

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 i sent a letter regading inaccurate and unknown things on my report its been more than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 

i surely was a victim of the XXXX date breach

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 2023-10-07 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$14000.00}

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 explanation
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ), here are the inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion, XXXX, and XXXX all report a partial account number as " XXXX. '' Account Type : TransUnion reports it as an " Open account. " XXXX reports it as an " INSTALLMENT '' account. 
XXXX reports it as an " Open Account. '' Account Type - Detail : TransUnion reports " Open account. " XXXX reports " Debt Buyer. '' XXXX reports " Open Account. '' Bureau Code : TransUnion and XXXX report " Individual account '' as the bureau code. XXXX reports " Individual Account '' as the bureau code. 
Account Status : TransUnion and XXXX report " XXXX '' as the account status. 
XXXX reports " OK '' as the account status. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : TransUnion, XXXX, and XXXX all report a date opened of " XX/XX/2023. '' Balance : TransUnion, XXXX, and XXXX all report a balance of " {$770.00}. '' No. of Months ( terms ) : XXXX reports " 1 Month '' as the term for this account. 
TransUnion and XXXX do not provide a term for this account. 
High Credit : TransUnion, XXXX, and XXXX all report a high credit of " {$770.00}. '' Credit Limit : None of the bureaus report a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account. 
Payment Status : XXXX reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
TransUnion and XXXX do not provide a payment status for this account. 
Last Reported : TransUnion, XXXX, and XXXX all report a " Last Reported '' date of " XX/XX/2023. '' Comments : There are comments indicating that the account is placed for collection. XXXX also includes a note about consumer disputes and reinvestigation in progress. XXXX does not provide comments. 
Date Last Active : TransUnion and XXXX report a " Date Last Active '' of " XX/XX/2023. " XXXX reports a " Date Last Active '' of " XX/XX/2023. '' Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : XXXX reports " CO '' ( charge-off ) for the month of XX/XX/2023, while XXXX reports " OK XXXX for all months. TransUnion does not provide a payment history for this account.

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 2023-10-07 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: NY

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/2023.

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