vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have no knowledge of these hard inquiries I would like to have them removed immediately or I will file a complaint with the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have disputed a public bankruptcy letter on my credit report with Equifax more than once. Then, I asked for a method of verification letter which they were required to respond to within 15 days and they failed to do so. They reinserted it on my credit report that it had been verified through XXXX XXXX and the bankruptcy courts, but that was simply not true. XXXX XXXX, nor the bankruptcy courts verify public records with Equifax, XXXX, or XXXX. The record has been removed from XXXX XXXX and since Equifax claimed that it was verified through them, it wasn't, then Equifax has to remove it immediately. Furthermore, the Supreme Court has ruled that section 349 of the bankruptcy code was intended to UNDUE the bankruptcy and to restore BOTH parties to pre-petition financial status. How does a PRIVATE company like Equifax think that it's okay to override the highest court in the United States of America? I can't dispute anything with Equifax because they repeatedly send me letters stating that my ID was not clear, even though it obviously is, because all the other bureaus accepted it, and it was sent at the same time. I feel like this is a worn-out stall tactic that Equifax uses in order REQUIR to evade the law. I'm wondering if they will come up with that same excuse now. EQUIFAX IS REQUIRED BY LAW TO REMOVE THIS ENTRY. XXXX XXXX informed me that they will also notify Equifax since they are the ones who reported it, even though they don't verify it. Obviously, this shouldn't be on my report since it was removed from XXXX, XXXX, and XXXX XXXX! I have uploaded proof as well. XXXX XXXX removed it only after I reported them to the XXXX  and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
I had XXXX Inquiries on my report that is not mine. I contacted XXXX and explained to them what's going on and they deleted them. I'm asking that Transunion and XXXX delete these XXXX Inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
all three credit agencies are unfairly decreasing my credit score I thought to earn a good credit score you paid on time or paid off your debt. I have tried over the last few years to get my credit in order pay on time and it seems I am doing all for nall it is unfair to cruelly be unfairly penalized for paying off or on time when there is no reward I don't understand why there is a company that judges you for doing the right thing but penalized you for doing so and to keep a disputed account over ten 10 years old on your account that is negative in which I have disputed for years with no results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
all three credit agencies are unfairly decreasing my credit score I thought to earn a good credit score you paid on time or paid off your debt. I have tried over the last few years to get my credit in order pay on time and it seems I am doing all for nall it is unfair to cruelly be unfairly penalized for paying off or on time when there is no reward I don't understand why there is a company that judges you for doing the right thing but penalized you for doing so and to keep a disputed account over ten 10 years old on your account that is negative in which I have disputed for years with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Synovus Bank
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists '' 3. Alternatively, you can use a simple script like " I do not know who this collection agency is, as I have never been in agreement to work with them '' You can also dispute it online and use laws like " Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 '' 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: WA

Complaint narrative:
I am writing to formally request that you block and delete the following account from my credit report, as I have been a victim of a data breach, and this account was fraudulently opened in my name. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information blocked and removed from my credit report. 
Fraudulent Account to Block and Delete : XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : {$2200.00}

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 2024-12-08 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: WA

Complaint narrative:
I am writing to formally request that you block and delete the following account from my credit report, as I have been a victim of a data breach, and this account was fraudulently opened in my name. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information blocked and removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME OR I HAVE ANYTHING TO DO WITH THE COMPANIES. 

NOTE : MY PERSONAL INFORMATION WAS COMPROMISED BY XXXX, XXXX, XXXX, AND XXXX XXXX, WHICH I WAS RECENTLY NOTIFIED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: CA

Complaint narrative:
Transunion is showing a hard inquiry on my account from XXXX XXXX XXXXXXXX on XX/XX/year> for a credit card application, which was a result of fraud. They have refused to remove it from my account without a formal complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Earlier, I submitted a complaint ( XXXX XXXXXXXX ) and with your help Citi sent me a check for {$240000.00}. This is the amount that was in my account as of XX/XX/year>. They sent me a check on XX/XX/XXXX that did not include the interest between XX/XX/XXXX and XX/XX/XXXX. This account paid interest at a rate of 5 %. Can you help me get this interest payment from Citi? Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
( XXXX XXXX XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, & Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, an auto loan account opened at XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
15 U.S. Code XXXX 1681C-2 A consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: FC HoldCo LLC
State: FL

Complaint narrative:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I MADE MORE THAN ONE ATTEMPT TO CONTACT THE COMPANIES BUT NO REPLIES. NOTE : MY PERSONAL INFORMATION WAS RECENTLY COMPROMISED, THROUGH XXXX XXXX XXXX XXXX XXXX WHICH I WAS NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DLF Law Group, LLC
State: ND

Complaint narrative:
On XX/XX/year> XXXX Equities ( Dobberstein Law Firm ) filed a small claim lawsuit in XXXX XXXX XXXX, XXXX Wi. The date of the hearing was XX/XX/year>. They mailed communications to me to an address in XXXX  I DO NOT reside at, causing me to receive documentation late. On XX/XX/year>, they mailed a letter to me regarding the debt, amount owed, and that I have until XX/XX/XXXX to dispute the debt. This was sent to my new address in XXXX XXXX I was not given 30 days to dispute. They went ahead with the lawsuit and because I was not able to appear ( I do not live in Wisconsin ), they filed the judgment against me. I thought I had until XX/XX/XXXX, per the letter. They are now attempting to garnish my wages. I spoke with an attorney in Wisconsin who advised they can not do this because they have to file something with my new state, which this debt collector/law office clearly knows my new address since they sent me the debt letter AFTER they filed the lawsuit. I wasn't even aware they had my debt. From my understanding, they are supposed to allow you 30 days to dispute prior to filing any lawsuit. I have been attempting to reach this office. I called the courthouse who provided me contact information. I also used the contact information on the form they mailed me. I have attempted calls and emails. They do not answer the phone. They do not respond to emails. I started putting delivery and read receipts on my emails. I also received a letter from the court house dated XX/XX/year>. I didn't receive this until XX/XX/XXXX. They sent it to my old address in Wisconsin. I have copies of the envelope that shows it was mailed, and then the yellow sticker from the post advising it was rerouted on XX/XX/XXXX. I am not getting my mail because they obviously didn't inform the judge of my new address they clearly had. I am not sure where to go from here. I wanted to be treated fairly. I wanted to have my 30 days to work out a payment arrangement with them, as I could have had this paid off by the end of XXXX, but they will not answer or respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
( XXXX XXXX XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, an auto loan account opened at XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
( XXXX XXXX XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, & XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, an auto loan account opened at XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-12-08 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: RFNA, LP
State: FL

Complaint narrative:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I MADE MORE THAN ONE ATTEMPT TO CONTACT THE COMPANIES BUT NO REPLIES.

NOTE : MY PERSONAL INFORMATION WAS RECENTLY COMPROMISED, THROUGH XXXX, XXXX, XXXXXXXX XXXX XXXX  WHICH I WAS NOTIFIED.

Company response to consumer: Closed with explanation