vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX. Account # : XXXX XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report even after your investigation and reinvestigation. The account payment history is clearly and OBVIOUSLY INACCURATE, The inaccuracies are highly injurious to my credit score. I HAVE LISTED BELOW MULTIPLE INACCURACIES THAT YOUR COMPANY IS REPORTING, EVEN AFTER YOU Updated & Verified the account. Here are a FEW of the inaccurate payment history, making all the payment history inaccurate as it currently XXXX XXXX XXXX XXXX XXXX On time XXXX XXXX days late XXXX - 90 days late XXXX, XXXX, XXXXAll listed as 120 days late XXXX XXXX 150 days late XXXX 150 days late XXXX 60 days late I am DEMANDING THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT! It is a violation of my Consumer rights per The Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
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 XXXXXX/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 2024-11-16 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

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 2024-11-16 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: MA

Complaint narrative:
Hello! I noticed a hard inquiry on my credit report through Experian on XXXX, placed through XXXX XXXX. I have not requested any services through XXXX XXXX, and I believe the request to be fraudulent. There have been no other requests/charges to any cards. I am planning on contacting Experian when they open on Monday for further steps. I have tried contacting XXXX  XXXX but did not want to give my SSN over the phone, particularly in light of the request and without clear knowledge of the dispute process ; I will attempt to contact them again as well. 
Thank you so so much for everything, if there is anything else I can do or any information I can provide please let me know! 
Thank you! 
- 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 2024-11-16 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: PA

Complaint narrative:
I reviewed my credit profile on XX/XX/2024 and I noticed inquiries I do not recognize. I also noticed personal information that doesnt belong 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 2024-11-16 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: PA

Complaint narrative:
I reviewed my credit profile on XX/XX/2024 and I noticed inquiries I do not recognize. I also noticed personal information that doesnt belong 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 explanation
Consumer complaint received 2024-11-16 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: MI

Complaint narrative:
I am writing to inform you that I am a victim of identity theft, resulting from a data breach that has compromised my personal information. This breach has led to fraudulent accounts appearing on my credit report, which I did not authorize or open. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am formally requesting the immediate blocking and permanent deletion of the following accounts from my credit report : Unauthorized Accounts to be Blocked and Deleted : XXXX  XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc.
State: NV

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Bank first lowered the credit limit on my PayPal Credit account to barely above what was charged on it which dinged my credit score, then they did the same thing to JCP credit card. Then today I receive a notification that my XXXX account has been closed. The reason they provided was too many accounts with high utilization. They literally made two of my accounts become a high utilization status. I asked to speak to the department responsible for these decisions. They couldnt produce a department or a number. Ive called several times. One time I was given a number to a debt collector. Ive never missed a payment on any account I have with Synchrony. I guess Im just a sitting duck while I wait for them to continue ruining my credit. Presuming the next hit will be my Venmo Credit Card.

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 2024-11-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-17 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello! I noticed a hard inquiry on my credit report through XXXX on XXXX, placed through Capital One. I have not requested any services through Capital One, and I believe the request to be fraudulent. There have been no other requests/charges to any cards. I am planning on contacting XXXX when they open on Monday for further steps. I have tried contacting Capital One but did not want to give my SSN over the phone, particularly in light of the request and without clear knowledge of the dispute process ; I will attempt to contact them again as well. 
Thank you so so much for everything, if there is anything else I can do or any information I can provide please let me know! 
Thank you! 
- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Remove Unverified Collection Accounts Dear [ XXXXTransUnion ] , I am writing to dispute the inclusion of certain collection accounts that have been reported on my credit file by XXXX, Transunion, XXXX, After reviewing my credit report, I have identified collection accounts associated with this agency, and I want to make it clear that I did not sign any agreement or contract with them, nor am I aware of any debt being legally owed to this collection agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. In this case, the collection agency has failed to provide valid documentation that supports their claim that I owe the alleged debt. 
Additionally, under The Fair Debt Collection Practices Act ( FDCPA ), collection agencies are prohibited from reporting debt to credit bureaus unless they can provide proof that the debt is valid, which includes documentation of the original contract or agreement that I supposedly signed. Without this proof, it is unlawful for them to report such negative information on my credit report. 
{$480.00} Open balance XXXX XXXXXXXX XXXX Original creditor {$450.00} Open balance XXXX XXXX Original creditor {$430.00} Open balance XXXX XXXX XXXX Original creditor {$130.00} Open balance XXXX XXXX Original creditor XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX Reported : XXXX XXXX, XXXX {$1400.00} Closed XXXX XXXX Account numberXXXX Account typeXXXX XXXX Responsibility Individual Date XXXX StatusAccount charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$400.00} In accordance with these laws, I request that you immediately initiate an investigation into these collection accounts and verify : 1. Whether there is a signed contract or agreement between myself and the collection agency. 
2. Whether the collection agency is legally authorized to collect on this alleged debt. 
3. Whether the original creditor has verified that they assigned the debt to the collection

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 2024-11-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Unverified Collection Accounts Dear [ XXXX/Equifax/XXXX  ] XXXX I am writing to dispute the inclusion of certain collection accounts that have been reported on my credit file by XXXX, XXXX, Equifax, After reviewing my credit report, I have identified collection accounts associated with this agency, and I want to make it clear that I did not sign any agreement or contract with them, nor am I aware of any debt being legally owed to this collection agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. In this case, the collection agency has failed to provide valid documentation that supports their claim that I owe the alleged debt. 
Additionally, under The Fair Debt Collection Practices Act ( FDCPA ), collection agencies are prohibited from reporting debt to credit bureaus unless they can provide proof that the debt is valid, which includes documentation of the original contract or agreement that I supposedly signed. Without this proof, it is unlawful for them to report such negative information on my credit report. 
{$480.00} Open balance XXXX XXXXXXXX XXXX Original creditor {$450.00} Open balance XXXX XXXX Original creditor {$430.00} Open balance XXXX XXXX XXXX Original creditor {$130.00} Open balance XXXX XXXX Original creditor XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX Reported : XXXX XXXX, XXXX {$1400.00} Closed XXXX XXXX  Account numberXXXX Account typeSecured Card Responsibility Individual Date openedXXXX StatusAccount charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX Balance {$400.00} In accordance with these laws, I request that you immediately initiate an investigation into these collection accounts and verify : 1. Whether there is a signed contract or agreement between myself and the collection agency.

2. Whether the collection agency is legally authorized to collect on this alleged debt.

3. Whether the original creditor has verified that they assigned the debt to the collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The account showing on my credit report was closed over XXXX plus years ago and this company, Capital one, continuously reports recent delinquencies and claims to report until XXXX. This is not legal and I will follow up with my current attorney as well as CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NC

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$260.00} XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX 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