vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, 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:
This is XXXX XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I was a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX  Date of Inquiry : XXXX CXXXX XXXXXXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXXXXXX XXXX  Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Auto Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXXXXXX XXXX  Date of Inquiry : 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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Information is being reported on my consumer report without my WRITTEN CONSENT. I did not authorize any of these companies to report or obtain information to report on my behalf. Please see attached documentation explaining further my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. Please update the status of this account ASAP. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$1500.00}

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB Complaint to request that the inquiries being reported on my Credit File be removed in accordance with the Fair Credit Reporting Act. I previously sent a dispute letter on XX/XX/XXXX demanding the removal of the unauthorized inquiries being reported on my Credit File. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I have already made and attempt to have these inquiries removed over the past few months, but they still remain on my credit file. I respectfully request that the following inquiries be immediately removed from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus believe that the dispute inquiries belong to me, I require the Credit Reporting Agencies to send me copies of documents proving such claims. In the event that no documents will be provided within the time allowed by law, I expect nothing but the deletion of the disputed 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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX 15 U.S. Code 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!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has a fraudulent account on my transunion credit report, this account sss open in my name from information that was leaked on the dark web, I am a victim of identity theft and fraud, this account needs to be removed immediately, Ive already disputed this account, XXXX is changing accounts numbers and constantly trying to collect on an illegal account that does not belong to me please remove this account from my 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 explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX AV XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX  XXXX NA XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX ) XXXX : {$420.00} XXXX XXXX XXXX AV XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MRS BPO, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 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!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$140.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$710.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$690.00}, XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00}, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's XXXX XXXX. Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX CFPB Codes : Bulletin XXXX Section XXXX of the XXXX XXXX XXXX Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's XXXX XXXX. Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX CFPB Codes : Bulletin XXXX Section 1036 of the XXXX XXXX XXXX Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, 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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2019 Balance {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MI

Complaint narrative:
I terminated a lease with an apartment company " XXXX XXXX XXXX' due to medical reasons following the guidelines of Nevada Revised Statute 118A.340 " Right of Tenant or Cotenant to Terminate Lease Due to Physical or Mental Disabilities or Death. I notified the apartment management company on XX/XX/XXXX, with a termination date of XX/XX/XXXX. I received no reply to this notice and continued with the move-out. On or about XX/XX/XXXX, I received a notice of collection from IQ Data Internation , Inc. at XXXX XXXX XXXX, XXXX, WA XXXX. 

On XX/XX/XXXX, I notified IQ Data Internation , Inc. via letter that the debt they were attempting to collect was erroneously transferred to them by " XXXX XXXX XXXX  '' as per State statute my lease contract with " XXXX XXXX XXXX' was legally terminated thus I did not own and monies to " XXXX XXXX XXXX'. 

As requested, I received no response from IQ Data Internation , Inc., and noticed a " DebtCollection '' entry on my XXXX Credit FReporton or about XX/XX/XXXX. I again responded to IQ Data International , Inc. requesting a favorable resolution to the credit report entry. To date, I have received NO correspondence from IQ Data International , Inc in regard to my requests.

Company response to consumer: Closed with explanation