vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2024-09-06 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:
What happened I am a victim of identity theft. 
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXXXX on XX/XX/XXXX under the account number ( private ), XXXX an auto loan account opened at XX/XX/XXXX XXXX under the account number ( private ), 3.a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and 4. an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$45000.00} ( private ) that appears related to the aforementioned XXXXXXXX XXXX XXXX  account opened at XXXXXXXX XXXX {$500.00} XXXXXXXX XXXX XXXX XXXX {$1100.00} This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion. 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 # ( private case number ) as proof from the XXXX 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 2024-09-06 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: TX

Complaint narrative:
What happened I am a victim of identity theft. 
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 XXXXXXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX an auto loan account opened at XX/XX/XXXX XXXX  under the account number ( private ), XXXX personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and XXXX an auto loan account opened at XXXX XXXX lenders on XX/XX/XXXX XXXX a balance of {$45000.00} ( private ) that appears related to the aforementioned XXXX.personal collection loan account opened at XXXX XXXX {$500.00} XXXX. XXXX XXXX XXXX {$1100.00} This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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 explanation
Consumer complaint received 2024-09-06 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: NC

Complaint narrative:
I am a victim of identity theft and have filed a formal identity theft report with the Federal Trade Commission ( FTC ) via identitytheft.gov. Despite this, two unauthorized hard inquiries from XXXX XXXX have been placed on my TransUnion credit report. These inquiries were made without my knowledge, authorization, or consent. The details of the inquiries are as follows : XXXX. XXXX XXXX- {$220.00}, dated XX/XX/2024 XXXXXXXX XXXX - dated XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681b ( c ), no entity may access a consumer 's credit report without permissible purpose or express consent. In this case, I did not initiate or authorize these inquiries, and they are a direct result of identity theft.

Furthermore, under 15 U.S.C. 1681c-2, consumers have the right to block fraudulent information from their credit reports when they are victims of identity theft. I request that these inquiries be immediately removed from my TransUnion report and that this fraudulent activity be rectified in compliance with the FCRA. 

I have already reported this identity theft to the FTC and am now seeking assistance to have this resolved swiftly.

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 2024-09-06 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: CA

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX Balance : {$2.00}, XXXX XXXX  XXXX Balance XXXX {$4.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$4.00}, 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 2024-09-06 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: MO

Complaint narrative:
I was completely caught off guard when I noticed inaccurate accounts showing up on my credit report this afternoon. I have no idea how this happened, especially since I check my credit report regularly. This time, there were discrepancies that came out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the inaccuracies didnt disappear. Given this, Im requesting a thorough review of the documents Ive submitted to prevent this from ever happening again.

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 2024-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
In XX/XX/year> I informed One Main Financial that I was just informed of unexpected car repairs of {$2500.00} and I need to figure out if/how I was going to get the car repaired. The responded to let me know I had options to bring the account current and I asked for those options. On XX/XX/year> I received another text informing me I have options one of the options was a temp loan MOD  for {$210.00} for the months of XXXX, XXXX and XX/XX/year>. I selected this option. I was provided a link to click on to make payment and I informed them I dont click on links and asked if I could pay online and was informed that I could. On XX/XX/XXXX I received a text while at working informing me they sent the temp loan MOD  and pin to my email for me to sign and return. I was on my way to a meeting so I electronically signed and returned, but saw that the previously agreed upon terms were incorrect. I immediately reached out to them via text asking why the terms were different and received a response that I need to pay XXXX payment or my loan would be out of the branch. I responded and told them that wasnt my question and they said my terms were what we agreed to verbally and agreed that the document could be confusing. I told them any MOD should reflect the correct terms since it is a legally binding document. They asked me to call instead of texting, but I didnt because I wanted all communication to be in writing. On XX/XX/year> I reached out to their Corporate office and asked why the MOD didnt match the terms we agreed to verbally and told them the is confusing. They agreed again that it could be confusing, but the terms are the verbally agreed to terms. They also stated that their MODs are auto generated and had the same terms listed on all of them. I told them that doesnt make sense and a MOD should have accurate and complete terms on it. I let them know they were violating UDAAP and I would be in contact with the CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MO

Complaint narrative:
I was really disappointed to discover unauthorized inquiries on my credit report this afternoon. Despite refreshing my browser, they remained, and I have no idea why they suddenly appeared. I'm frustrated and just want my submitted documents to be reviewed thoroughly so this issue can be resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
It's really disheartening to see discrepancies on my credit report today that were never there before. Refreshing the page didnt help, and now Im left confused and frustrated. Please review the documents I sent so I can put this issue behind me for good.

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 2024-09-06 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: MO

Complaint narrative:
This afternoon, I found unauthorized inquiries on my credit report that werent there before, and I have no clue why. Refreshing the browser didnt fix it, which left me feeling upset and frustrated. Please take a thorough look at the documents Ive submitted to resolve this issue permanently.

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 2024-09-06 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: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a serious issue concerning inaccuracies on my consumer credit profile reported by XXXX, XXXX, and TransUnion. Despite my diligent efforts to rectify this matter directly with the credit bureaus, the inaccuracies persist, and my attempts to resolve these issues have not resulted in the necessary corrections. 

I have sent detailed letters to each of the three credit bureaus outlining specific inaccuracies on my credit report. In my correspondence, I provided substantial evidence demonstrating that the information reported is incorrect. This evidence includes documents such as account statements, payment confirmations, and other pertinent records. Furthermore, I referenced the relevant consumer protection laws that mandate the correction or removal of such inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. If the information is found to be inaccurate or can not be verified, the FCRA mandates that it must be corrected or removed from the consumers credit report. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] supports my case by stipulating that any information that is not verified within the prescribed period must be deleted. 

Despite this clear legal framework, the credit bureaus have not taken the necessary steps to correct or remove the inaccurate information from my credit report. This failure not only impacts my creditworthiness but also contravenes the consumer rights guaranteed under federal law. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are corrected in compliance with the FCRA and that the credit bureaus adhere to their legal obligations. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these discrepancies. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE 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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a serious issue concerning inaccuracies on my consumer credit profile reported by XXXX, Equifax, and XXXX. Despite my diligent efforts to rectify this matter directly with the credit bureaus, the inaccuracies persist, and my attempts to resolve these issues have not resulted in the necessary corrections. 

I have sent detailed letters to each of the three credit bureaus outlining specific inaccuracies on my credit report. In my correspondence, I provided substantial evidence demonstrating that the information reported is incorrect. This evidence includes documents such as account statements, payment confirmations, and other pertinent records. Furthermore, I referenced the relevant consumer protection laws that mandate the correction or removal of such inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. If the information is found to be inaccurate or can not be verified, the FCRA mandates that it must be corrected or removed from the consumers credit report. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] supports my case by stipulating that any information that is not verified within the prescribed period must be deleted. 

Despite this clear legal framework, the credit bureaus have not taken the necessary steps to correct or remove the inaccurate information from my credit report. This failure not only impacts my creditworthiness but also contravenes the consumer rights guaranteed under federal law. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are corrected in compliance with the FCRA and that the credit bureaus adhere to their legal obligations. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these discrepancies. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a serious issue concerning inaccuracies on my consumer credit profile reported by Experian, XXXX, and XXXX. Despite my diligent efforts to rectify this matter directly with the credit bureaus, the inaccuracies persist, and my attempts to resolve these issues have not resulted in the necessary corrections. 

I have sent detailed letters to each of the three credit bureaus outlining specific inaccuracies on my credit report. In my correspondence, I provided substantial evidence demonstrating that the information reported is incorrect. This evidence includes documents such as account statements, payment confirmations, and other pertinent records. Furthermore, I referenced the relevant consumer protection laws that mandate the correction or removal of such inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. If the information is found to be inaccurate or can not be verified, the FCRA mandates that it must be corrected or removed from the consumers credit report. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] supports my case by stipulating that any information that is not verified within the prescribed period must be deleted. 

Despite this clear legal framework, the credit bureaus have not taken the necessary steps to correct or remove the inaccurate information from my credit report. This failure not only impacts my creditworthiness but also contravenes the consumer rights guaranteed under federal law. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are corrected in compliance with the FCRA and that the credit bureaus adhere to their legal obligations. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these discrepancies. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE 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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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