vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX. XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX credit card opened XX/XX/XXXX amount XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX or XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXXXX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 2024-11-08 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX. XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. XXXX XXXX  credit card opened XX/XX/XXXX amount XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX or XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 2024-11-08 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: NY

Complaint narrative:
I am a victim of identity theft and the information listed below on my credit report is a result of that Identity theft : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$25000.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$32000.00} Account Name XXXX XXXX XXXX Account Number : XXXX Balance : {$20000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$57000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$25000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2900.00} In accordance with section 605B of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent 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 2024-11-08 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: PA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-11-08 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: PA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
" Take control of your XXXX XXXX XXXX  account. Visit XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out '' I received this text message this morning. I do not have an account with this business. Called to verify at XXXX XXXX XXXX XXXX  billing dept. 
I am not in their system! 
This is a scam/fraud. 
GO XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: VA

Complaint narrative:
XXXX XXXX XXXX reported my debt as a charge-off but has not issued a 1099-C form, as required by the IRS under Section 6050P for canceled debts. Without this form, its unclear if the debt is truly forgiven, which affects my tax reporting and may indicate inaccurate reporting. Under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate and complete information to credit bureaus, and XXXX actions violate these requirements.

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 2024-11-08 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: VA

Complaint narrative:
XXXX XXXX XXXX reported my debt as a charge-off but has not issued a 1099-C form, as required by the IRS under Section 6050P for canceled debts. Without this form, its unclear if the debt is truly forgiven, which affects my tax reporting and may indicate inaccurate reporting. Under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate and complete information to credit bureaus, and XXXX actions violate these requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : IDTheftReportXXXX ITEMS IN DISPUTE : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers : XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XXXX A XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3700.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$390.00} XXXX XXXX {$1700.00} XXXX XXXX {$21000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} - XXXX  Credit Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The Fair Credit reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As a consumer I have a right to ensure that my private information is not shared. XXXX, XXXX, and XXXX are all consumer reporting agencies. 15 USC 6801 says " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' By definition under this title ALLY FINANCIAL is a financial institution. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution XXXX XXXX and consumer reporting agencies XXXX, XXXX, and XXXX DO NOT have my consent to furnish this information. I revoke any and all consent, written or non-written, verbal or non-verbal, and implied from XXXX XXXX  and XXXX, XXXX, and XXXX. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' With that being said, XXXX XXXX ( The Financial Institution ) never informed me ( The Consumer ) of my right to exercise my non disclosure option.

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account/inquirie is an adverse item on my consumer report being reported without my permission, which is AGAINST the LAW. " 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. according to 15 U.S. Code 1681s2 ( A ) ( 1 ).

In accordance with 15 U.S. Code 1681e which states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining these reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I never received the debt validation letter from National Credit Systems. Once I learned of the debt, I additionally requested on XX/XX/year> via both mail and email the debt validation letter and still never recieved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
I am writing to inform you that I am a victim of identity theft, which has resulted in the unauthorized appearance of accounts on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following unauthorized account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> o Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX This was the original account holder and the balance amount was {$1000.00}. Online Information Service ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) must have been sold the account and the amount they keep reporting owed is {$1400.00}. Nothing on their statement can account shows what the additional {$360.00} is for. " Applicable fees and interest '' is not outline and is a predatory practice. Any time I attempt to get the amount corrected they will only share with the credit bureau I have been found and the update the file for the same amount- {$1400.00}. I have always told them my address so I am not " found '. I would pay the original amount of the debt but I am not paying an amount that is more than the original debt and have never been told what the additional amount is for and I do not want them to make up fees now that I keep inquiring about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
I RECENTLY DISCOVERED A FRAUDULENT CONVENTIONAL MORTGAGE ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USDED MY PERSONAL INFORMATION AND OPENED FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN THIS FRAUDULENT ACCOUNT UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT 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 2024-11-08 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report that were opened or reported as a result of identity theft related to a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent accounts removed from my credit file. 
Please block and delete the following accounts due to their fraudulent nature : XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX CARD - XXXX - XX/XX/XXXX - {$6500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$5900.00} XXXX CARD - XXXX - XX/XX/XXXX - {$9100.00} Additionally, please remove the following unauthorized inquiries : XXXX - XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-08 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2024-11-08 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: DISCOVER BANK
State: MI

Complaint narrative:
I am writing to file a complaint against Discover Bank regarding their handling of my application for a secured credit card. I believe their actions, specifically the unreasonable delay in pulling my credit report and the resulting hard inquiry on an abandoned application, are unfair and potentially harmful to my creditworthiness. 
Here 's a timeline of the events : XX/XX/year> : I applied for a Discover XXXX Secured credit card online. 
XX/XX/year> : Over six weeks later, Discover pulled my credit report from XXXX. 
XX/XX/year> : I contacted Discover to inquire about the delayed credit pull, believing it was fraud, as it was such an absurd delay.. They informed me that the delay was due to a credit freeze I had on my XXXX file at the time of application. 
XXXX am no longer pursuing the application with Discover, due to the credit freeze lift not allowing me to apply still.

I believe Discover 's actions are unacceptable for the following reasons : Unreasonable delay : Waiting six weeks to pull my credit report is an excessively long time, especially considering I had abandoned the application. This delay negatively impacted my credit score, as it appears as if I am applying for multiple credit products within a short period.

Lack of transparency :
Discover did not inform me about the potential for a delayed credit pull due to the credit freeze. This lack of transparency prevented me from making an informed decision about proceeding with the application.

Potential for outdated information : Discover used the credit report pulled six weeks later to make their decision, producing an Adverse Action denial letter built upon faulting me for the credit card I later opened with XXXX, as again, I was not able to complete the Discover application and abandoned it. This means that Discover used outdated information in their Underwriting process, which again, lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
I request your support regarding the incorrect account reported on my credit file. This has affected my standing as a customer, and I need your help. I want these accounts removed, as they are inaccurately and negatively listed.

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