vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: PA

Complaint narrative:
In my previous complaint to the Consumer Financial Protection Bureau ( CFPB ), I expressed concern regarding Transunion 's inaccurate reporting of the following account : XXXX I have requested several times in my previous complaints to the CFPB that Transunion verify this account through physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I believe that it is my right according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ). Instead of Transunion providing me with that requested documentation upon their investigation results, I received a letter that states " the disputed item was verified as accurate, '' without providing the documentation that I requested as consumer. 

Since Transunion has updated this account by adding additional information, they should also have documentation that proves this account belongs to me. I have been requesting this information for several months now. If Transunion can not provide me with a physical verification I DEMAND that this account be removed from my credit file. I have no knowledge of XXXX and have a right to see any and all information that associates me with this account. Transunion is in total violation as they are not providing me, the consumer with information I have a right to obtain. 

I am also attaching a copy of of my drivers license, social security card and proof of address ( voter registration )

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13 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: GA

Complaint narrative:
This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00}

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is not only false reporting but this proof of identify theft. 
This was damage caused on your part after stealing my private and non public information. This was never reported to your company. 
This is not a factual or active event to report on my credit file. 

You have 96 hrs pursuant to the FCRA to remove bankruptcy 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 explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I am having issues with Edfinancial ( my federal student loan servicer ) crediting payments made on behalf of my employer through XXXX. 

XXXX pays {$100.00} a month to my student loans, which has been credited without issue until the last 2 months. Both the XXXX and XXXX {$100.00} payment is missing and I have contacted Edfinancial who will only tell me all payments have been credited. 

This is not true however, I contacted XXXX who said the payments were made as usual and they have reached out to Edfinancial. 

It has been over a week since they reached out and we have not heard back. 

I need help properly crediting these payments from XXXX on my student loan serviced by Edfinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2024-05-13 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: CO

Complaint narrative:
Ive made a significant number of valid transaction requests, which were denied for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$23000.00}

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 2024-05-13 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I never lived in Arizona ... my address is XXXX XXXX XXXX XXXX XXXX KS 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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:
I am writing to express my deep frustration and disappointment regarding the presence of fraudulent accounts on my credit report, as indicated by your bureau. These accounts are unequivocally fraudulent and has been acknowledged as such by the relevant company, which has taken steps to eliminate it from their records. Despite my repeated attempts to have these fraudulent accounts removed from my credit report, your bureau has failed to act. This failure is unacceptable and has had a detrimental effect on my credit score and overall financial standing. It is worth noting that other major credit bureaus, such as XXXX and XXXX, have promptly removed these fraudulent accounts from their records after confirming its fraudulent nature. Your bureau 's failure to do the same is deeply concerning and raises questions about your commitment to fair and accurate reporting. I insist that you immediately remove these fraudulent accounts from my credit report and provide written confirmation of its removal. Failure to do so will result in further action being taken against your bureau for negligence and misconduct. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX. XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX  ( Original creditor : 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 non-monetary relief
Consumer complaint received 2024-05-13 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: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$26000.00}

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 2024-05-13 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: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$26000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
Immediate Demand for Block and Deletion of Identity Theft Information I have recently discovered unauthorized information on my consumer report resulting from identity theft. I never provided written permission or instructions for the identified transactions to be reported. This is a clear violation of my rights, and I demand that you BLOCK and DELETE this information without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX This is not a mere request ; it is a non-negotiable demand. The identified transactions are unrelated to any transactions conducted by me as the consumer. I insist that you promptly take action to rectify this egregious error within FOUR DAYS from the receipt of this notice. Understand that I expect a WRITTEN response confirming the completion of the block and deletion process. Any delay or inaction on your part will not be tolerated, and I am prepared to take appropriate legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). Fix this immediately and provide an updated copy of my consumer report, free of the unauthorized information. 
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 explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I would like to file a complaint to urgently dispute collection accounts reported to my consumer credit reports report by LVNV Funding LLC. Despite providing thorough documentation proving my status as a victim of identity theft, including a notarized identity theft affidavit, FTC Report, and Police Report, LVNV Funding LLC has blatantly disregarded my rights and continues to report these fraudulent accounts. 

The accounts in question are as follows : Account Number : XXXX Amount : {$1100.00} Account Number : XXXX Amount : {$16000.00} Account Number : XXXX Amount : {$16000.00} Account Number : XXXX Amount : {$4200.00} Despite multiple requests for validation and proof of licensing and bonding as required by law, LVNV Funding LLC has persistently refused to honor my police report and provide any validation information under 12 CFR 1006.34 ( b ) ( 5 ). 

Moreover, LVNV Funding LLC 's actions constitute a clear violation of consumer rights, as they have furnished these collection accounts to consumer reporting agencies without providing the necessary disclosures required by law, in direct contravention of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

The original creditor has been duly notified of the fraudulent nature of these accounts, and I have attached copies of my FTC Report and Police Report for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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:
Once again, I must assert that I have fallen victim to identity theft, prompting this subsequent plea for the removal of erroneous information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to expunge such items within four business days of receipt. Furthermore, certain details on these items remain unfamiliar to me, and while they have been removed by other bureaus, I remain skeptical about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: NM

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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 non-monetary relief