vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX {$21000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX {$16000.00} XXXX XXXX {$24000.00} XXXX XXXX {$33000.00} XXXX XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX  XXXX {$150.00} UNKNOWN ACCOUNT XXXX {$10000.00} INQUIRIES : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2024-12-03 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
Subject : Dispute of XXXX XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my TransUnion credit report by XXXX XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), XXXX  is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and XXXX  is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that Credit Collections is licensed to collect debts in California.

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction.

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office.

Thank you for your prompt attention to this matter. If additional information is needed, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, 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 2024-12-03 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I also found an account by XXXX XXXX that was also fraudulently obtained with my information! I received notification that my information was involved in a XXXX from XXXXXXXX XXXX XXXX  XXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX XXXX XX/XX/year>. I contacted Affirm and they stated that they had no account on file for me. However according to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXXXXXX XXXX XXXX and also a FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Dispute of Inaccurate and Inconsistent Reporting for XXXX XXXX XXXX Account Complaint Description : I am disputing the inaccurate and inconsistent reporting of my XXXXXXXX XXXX XXXX  account on my credit report. XXXX informed me in writing that they reduced the balance to {$0.00} and updated the account status to Paid in Full as part of their exit from the student loan business. They also stated they would notify the consumer reporting agencies. Despite this : XXXX. My credit report still lists repeated charge-offs from XX/XX/XXXX to XX/XX/XXXX, even though the debt was canceled, and I am set to receive a XXXX for the forgiven balance. 
XXXX. The account is not marked as Paid in Full as XXXX promised, which violates the terms communicated in their letter. 
XXXX. The derogatory marks are causing undue harm to my credit score, as the debt has been forgiven and the balance is {$0.00}. 

This reporting contradicts the information provided by XXXX and violates the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information is reported.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Dispute of Inaccurate and Inconsistent Reporting for XXXX XXXX XXXX Account Complaint Description : I am disputing the inaccurate and inconsistent reporting of my XXXXXXXX XXXX XXXX account on my credit report. XXXX informed me in writing that they reduced the balance to {$0.00} and updated the account status to Paid in Full as part of their exit from the student loan business. They also stated they would notify the consumer reporting agencies. Despite this : XXXX. My credit report still lists repeated charge-offs from XX/XX/XXXX to XX/XX/XXXX, even though the debt was canceled, and I am set to receive a XXXX for the forgiven balance. 
XXXX. The account is not marked as Paid in Full as XXXX promised, which violates the terms communicated in their letter. 
XXXX. The derogatory marks are causing undue harm to my credit score, as the debt has been forgiven and the balance is {$0.00}. 

This reporting contradicts the information provided by XXXX and violates the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Dispute of Inaccurate and Inconsistent Reporting for XXXX XXXX XXXX Account Complaint Description : I am disputing the inaccurate and inconsistent reporting of my XXXX Student Loan account on my credit report. XXXX informed me in writing that they reduced the balance to {$0.00} and updated the account status to Paid in Full as part of their exit from the student loan business. They also stated they would notify the consumer reporting agencies. Despite this : 1. My credit report still lists repeated charge-offs from XX/XX/XXXX to XX/XX/XXXX, even though the debt was canceled, and I am set to receive a 1099-C for the forgiven balance. 
2. The account is not marked as Paid in Full as XXXX promised, which violates the terms communicated in their letter. 
3. The derogatory marks are causing undue harm to my credit score, as the debt has been forgiven and the balance is {$0.00}. 

This reporting contradicts the information provided by XXXX and violates the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information is reported.

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 2024-12-03 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: GA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt. However, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my id, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt. However, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my id, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach.

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 2024-12-03 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: GA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt. However, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my id, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach.

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 2024-12-03 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-03 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: NJ

Complaint narrative:
I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts ( 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 2024-12-03 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: NJ

Complaint narrative:
I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: OH

Complaint narrative:
XXXX XXXX XX/XX/year> Unauthorized inquiries Due to Fraud My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to request the correction of inaccurate data on my credit report regarding late payment. It is imperative that this account is updated to accurately reflect the payment and that any erroneous information is corrected promptly. In cases where delinquency is reported, I request that the payment date be accurately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time frame. Therefore, I expect the credit report to accurately reflect the payments made, without any indication of missed or late payments. Additionally, there is no remaining balance on this account that would suggest a missed payment. I have consistently met my financial obligations, and it is crucial that my credit report reflects this accurately. The inaccurate reporting of late payment is not only misleading but also damaging to my creditworthiness. 

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 explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NC

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 2024-12-03 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 discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

I am demanding a response, and if i don't receive one then i am making a complaint with the CFPB, FTC, Attorney General Office and whoever else i need to contact to get this matter resolve.

I want all charge offs and all Collections removed off my credit report and these accounts are subject to litigation

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 2024-12-03 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: AZ

Complaint narrative:
I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

I am demanding a response, and if i don't receive one then i am making a complaint with the CFPB, FTC, Attorney General Office and whoever else i need to contact to get this matter resolve. 
I want all charge offs and all Collections removed off my credit report and these accounts are subject to litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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