vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: FL

Complaint narrative:
On XX/XX/XXXX I filed a compliant about Transunion investigation into inquires I did not authorized. the compliant case number XXXX, Transunion stated in the response phone number added. I do not know what phone number added Transunion is talking about. I do not know if this is some type of stall technique Transunion is attempting. Once again I am feeling ignored and Transunion has violating multiple FCRA acts.By obtaining my consumer report knowingly without any permissible purpose transunion are in violation of the Fair CreditReportingAct ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with XXXX XXXX, XXXX XXXX, XXXX, Your offenses amount to Aggravated Identity Theft pursuantto18 U.S.C. 1028A. You have knowingly transferred, possessed, orused, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in additionto civil liability.Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowinglyand willfullyobtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2years, or both.You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX XXXX XXXX consumer reports without my authorization or a permissible purpose under the 15 USC221681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.2. The purpose is certified in accordance with section1681b ( f ). XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) .FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification.

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 2024-10-31 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: NC

Complaint narrative:
I am filing this complaint to address numerous unauthorized credit inquiries that have appeared on my credit report without my approval or knowledge. These fraudulent inquiries have negatively impacted my credit score and caused considerable concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
I contacted Experian regarding have the below companies removed from my hard pull credit inquiry section. 

The reason for doing so is that I did not authorize a " XXXX XXXXXXXX '' of credit searches in an effort to get me approved for a loan. I believe that this is unfair practice to a consumer who unknowingly is having their credit harmed by several hard credit pulls with an unlimited volume of inquiries until a person qualifies. When does the search stop? At what point does a consumer have an opportunity to say, " I would like one check, '' or " 5 attempts and if we can't get approved then okay. '' If you can ask a consumer for a credit check and the check runs " blindly '' then, the consumer is clearly being taken advantage of by an inquiry that can last as much as a year in harming credit.

I do not know who all of the below companies are and why they have my information and or how my information is being protected and or governed. 

I simply want this information removed and Experian does not seem to have the better practice. 

I advised that XXXX allows for a dispute on said inquiries and their response was silence. They realized that this was clearly an option they chose to enforce at the detriment of the consumer who's hands are tied. 

This is unfair practice, please help. 

The Involved companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31 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: TX

Complaint narrative:
Ive recently received a copy of my credit report, and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2024-10-31 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: MD

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 2024-10-31 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:
Complaint Title : Denial of Access to Credit Report and Request to Dispute Inaccurate Accounts Experian and XXXX FCRA Violations Summary : I am filing this complaint because Experian and XXXX have denied me access to my credit report, despite multiple attempts to obtain it. This denial is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to view and verify their credit information. Additionally, without access to my report, I am unable to file disputes on specific accounts that I believe contain inaccurate or outdated information, further impacting my credit score and financial stability.

Violations : Violation of FCRA ( Fair Credit Reporting Act ) The FCRA ( 15 U.S.C. 1681g ) grants consumers the right to access their credit reports. By not providing access, Experian and XXXX have failed to comply with these provisions, obstructing my ability to review my credit history and to dispute inaccuracies. 

Violation of FACTA ( Fair and Accurate Credit Transactions Act ) Under FACTA, I am entitled to a free annual credit report from each major bureau, including Experian and XXXX. Denying access infringes upon this right, blocking my ability to see my full credit history. 

Denial of Dispute Rights The FCRA also grants me the right to dispute inaccurate or incomplete information on my credit report. Without access to my report, I can not identify errors or initiate the necessary disputes with Experian and XXXX, which hinders my ability to ensure fair and accurate credit reporting.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I personally closed this acct # XXXX in good standing on XX/XX/year> in good standing I was never late I believe in fact I know this was an era on there part

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
I am writing to request the immediate blocking and deletion of specific accounts and inquiries on my credit file, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to ensure its accuracy. 
Please remove the following accounts from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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 am writing to request the immediate blocking and deletion of specific accounts and inquiries on my credit file, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to ensure its accuracy. 
Please remove the following accounts from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: GA

Complaint narrative:
Errors showing late payments appeared on my recent credit report, which is not consistent with my payment history. Please make corrections and update my 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 explanation
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
I have known that i was a victim of identity theft for a while now, however i have been unsucessfull in. getting this account removed. Finally i have to resort to filing a police report. The account is XXXX XXXX. Please block this account from mycredit as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: CA

Complaint narrative:
I have known that i was a victim of identity theft for a while now, however i have been unsucessfull in. getting this account removed. Finally i have to resort to filing a police report. The account is XXXX XXXX. Please block this account from mycredit 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 2024-10-31 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: DC

Complaint narrative:
I am contacting you to request the immediate blocking and deletion of certain accounts and inquiries on my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to maintain its accuracy.

Please remove the following accounts from my credit file : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$840.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Additionally, I request the removal of the following unauthorized inquiries : 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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I opened up a XXXX XXXX Credit Card for {$250.00}. I have had the card for two months and Experian has failed to update my credit score with my new credit card. It is currently at XXXX and it should have gone up by XXXX points. My XXXX and XXXX reports went up by XXXX points. Now that I have some positive information that should be on my credit report from Experian it is not.

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 2024-10-31 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 CFPB Team, I am submitting this formal complaint against TransUnion for improperly verifying and updating an account on my credit report without providing the necessary verification documentation. This impacts my credit profile negatively and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Complaint Description : TransUnion verified and updated the XXXX account, partially identified with account number # XXXX, on my credit report without providing documentation to substantiate this verification. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumers have the right to a detailed description of the verification procedure and to receive any document proving the validity of the claimed debt. I have repeatedly requested the following from TransUnion : A complete description of the procedure used to verify this account, including the verification method employed.

The name, address, and telephone number of each person contacted regarding this account, as required under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature demonstrating a contractual obligation to pay the claimed amount, as outlined in Section 609 ( a ) ( 1 ) of the FCRA.

TransUnion has not complied with these requests, restricting my right to a transparent and accurate investigation. Additionally, any verification conducted solely through the automated E-OSCAR system is inadequate and does not meet FCRA standards.

Impact on My Credit : These inaccuracies on my credit report significantly affect my credit score and hinder my ability to obtain financial opportunities. TransUnions failure to comply with the FCRA represents an obstruction of my right to a fair and accurate credit report. 
Request for Intervention : I respectfully request that the CFPB intervene in this case, requiring TransUnion to adhere strictly to the provisions of the FCRA and provide detailed and complete verification of the reported data on my credit. Furthermore, I ask that TransUnion be required to respond adequately to my requests or to remove this account from my credit file if the data can not be properly verified.

Thank you for your attention to this matter. I am available to provide any additional documentation to support my case and trust that the CFPB will take the necessary action to ensure TransUnions compliance with its legal obligations, thus protecting my rights as a consumer.

Sincerely, 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 2024-10-31 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: DC

Complaint narrative:
I am contacting you to request the immediate blocking and deletion of certain accounts and inquiries on my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to maintain its accuracy.

Please remove the following accounts from my credit file : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$840.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief