vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach at XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 

I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 

Additionally, I have identified that a XXXX XXXX bankruptcy, which was not filed by me, has been erroneously added to my public records. The reference number is XXXX, with a filing date of XX/XX/year>. This information is a result of identity theft and must be blocked and removed from my credit report. 

I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

The following information on my credit report is the result of identity theft and should be blocked : *XXXX XXXX Bankruptcy Reference XXXX, Date Filed XX/XX/year> *XXXX Account XXXX I appreciate your prompt attention to this matter and request that you confirm in writing once these fraudulent items have been removed 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 2024-10-23 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach at XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 

I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 

Additionally, I have identified that a XXXX XXXX bankruptcy, which was not filed by me, has been erroneously added to my public records. The reference number is XXXX, with a filing date of XX/XX/year>. This information is a result of identity theft and must be blocked and removed from my credit report. 

I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

The following information on my credit report is the result of identity theft and should be blocked : *XXXX XXXX Bankruptcy Reference XXXX, Date Filed XX/XX/year> **XXXX Account XXXX I appreciate your prompt attention to this matter and request that you confirm in writing once these fraudulent items have been removed 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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report which I have NO knowledge of nor did I sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. This collection found on my credit report IS NOT related to any transaction that I made. I am alleging that a person or company WITHOUT my permission or authorization used my personal info to apply for services or money and was successful in creating some accounts. All is currently being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IN

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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. Delete the accounts below : Creditor name : XXXX XXXX, date of inquiry : XX/XX/2024, Bureau : Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear CFPB, I am writing to bring to your attention violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding the handling of my personal credit information. The following accounts have infringed upon my rights to privacy and confidentiality : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-23 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: IN

Complaint narrative:
Following 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, the accounts below have violated my rights. 15 U.S.C 1681 section 602A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. Please delete the accounts listed below : Creditor name : XXXX date of inquiry : XX/XX/year>, Bureau : TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TN

Complaint narrative:
I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX 72 % {$140.00} XX/XX/XXXX XX/XX/XXXX {$200.00} {$140.00} {$340.00} - 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 2024-10-23 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: TN

Complaint narrative:
I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX 72 % {$140.00} XX/XX/XXXX XX/XX/XXXX {$200.00} {$140.00} {$340.00} - Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently obtained a copy of my credit report and disputed inaccurate accounts that I do not recognize as doing business with. To be told that the accounts came back as verified without providing me with the requested information from the investigation process was a direct violation of my rights. I have attached a copy of my FTC Identity theft report as well as FCRA 605 ( B ), FCRA 609 ( e ), and FTC Notice to Furnishers. I have not felt the need to use my credit since XXXX of XXXX because its too stressful to deal with. What's even more stressful is finding out that hackers and scammers can gain access to my information and do all types off things that seems impossible to catch or track down. The point of me abandoning this highly stressful credit system was to avoid negative and derogatory things being reported. Even though I rather my report to show that I have little to no history, I still don't want it to look as if I owe debts. This is also inquires from XXXX and XXXX that I did not authorize or give consent to obtain my consumer report. Transunion, XXXX, and XXXX have failed to protect my consumer rights and properly investigate fraudulent activity. They have failed to follow through with providing verification methods and proofs of purchase agreements from all collection accounts. There is no need for me to spew off a bunch of consumers laws that have been violated because all three major credit bureaus should know them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
I recently obtained a copy of my credit report and disputed inaccurate accounts that I do not recognize as doing business with. To be told that the accounts came back as verified without providing me with the requested information from the investigation process was a direct violation of my rights. I have attached a copy of my FTC Identity theft report as well as FCRA 605 ( B ), FCRA 609 ( e ), and FTC Notice to Furnishers. I have not felt the need to use my credit since XXXX of XXXX because its too stressful to deal with. What's even more stressful is finding out that hackers and scammers can gain access to my information and do all types off things that seems impossible to catch or track down. The point of me abandoning this highly stressful credit system was to avoid negative and derogatory things being reported. Even though I rather my report to show that I have little to no history, I still don't want it to look as if I owe debts. This is also inquires from XXXX and XXXX that I did not authorize or give consent to obtain my consumer report. XXXX, Equifax, and XXXX have failed to protect my consumer rights and properly investigate fraudulent activity. They have failed to follow through with providing verification methods and proofs of purchase agreements from all collection accounts. There is no need for me to spew off a bunch of consumers laws that have been violated because all three major credit bureaus should know them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was checking my credit report and noticed an issue with it stating I was delinquent with a payment. Called Capital one on XXXX XX/XX/year> to report this as a fraud account they said they would investigate. Got a response via a letter that after investigating that I was responsible for this account. I did my own investigation and found out that my Son was the one that opened this account and I reported this to them on the XXXX of XXXX and less than 10 days later I got a letter from them stating that I was responsible. This account has negatively impacted my credit. Please help, thank you for your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX  Hello, I'm requesting that you update your system with my correct name, which is XXXX XXXX. If you have any records of my name that differ from what I have provided, please delete them immediately. Thank you. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: OR

Complaint narrative:
I was trying to purchase a vehicle on XX/XX/year> and when they pulled my credit, my credit score dropped XXXX points since the last time I checked. I found on there an account " XXXX '' that I have never opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Equifax I am writing to dispute the inaccurate and outdated reporting of the account listed under XXXX XXXX XXXX, Account Number # XXXX on my credit report. This account has been reported beyond the legally allowed time frame, which violates the Fair Credit Reporting Act FCRA Section 605 ( a ) : Limits the reporting of negative information to seven years from the date of first delinquency. The account in question has exceeded this period and should have been removed.

Company response to consumer: Closed with explanation