vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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: MD

Complaint narrative:
After reviewing my credit report, I have notice hard inquires i do not recognize. I have contacted the 2 CRAs and they refuse to dispute or investigate the inquires Attached is an FTC report indicating all of the unauthorized inquires below ( including personal statement section ) that should be removed 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquires. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person record of inquires in connection with credit or insurance transaction that is not initiated by consumer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-24 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: Experian Information Solutions Inc.
State: TX

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2024-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: IN

Complaint narrative:
I had debt in collections from XXXX  for XXXX XXXX This account had opened I believe in XXXX. 
Due to the age ( XXXX years ) and also XXXX  filing bankruptcy and selling old debt I disputed this with them through XXXX XXXX XXXX of this year the debt was reopened ( saying its new and its term in collections began XXXX of XXXX ). That is false. They are re-opening old debt and publishing it on my report as new. Providing also false information.The credit was removed due to age and being charged off and then reopened yet again. I have disputed this several times and it has gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY continues to report inaccurate and false information to the credit bureaus despite multiple attempts to get them to stop. My rights under the FCRA are being violated as they continue to report inaccurate information. As a company that reports to the credit bureaus, they are required to adhere to a transparent and verifiable validation process that aligns with the stringent XXXX XXXX formatting standards. Any divergence or disregard from these protocols raises serious doubts about the precision and lawfulness of the information being disclosed. I request that they eliminate or rectify any verified details linked to the below mentioned allegations from their records, and expeditiously resolve this matter by removing this item from my credit report. I have outlined all of the violations and inaccuracies that they are reporting on my credit report. Some of the information that is being reported across the different credit bureaus does not even match, so how can that be confirmed as accurate when they are reporting information about the same account to multiple credit reporting agencies, and the information does not match and if different at each bureau, such as Account Status, Date Opened, Last Reported, and Date Last Active. Please see the attached report. At this point, the accuracy of what they are reporting can not be ensured due to the multiple discrepancies. This account needs to be deleted as it violates the FCRA and my rights to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: PA

Complaint narrative:
I am reaching out regarding multiple issues with my credit report, including incorrect account entries, an unrecognized collection, unauthorized credit inquiries, inaccurate reporting, and billing mistakes. I seek your support in resolving these matters to protect my financial stability.

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 2024-10-24 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: FL

Complaint narrative:
I recently reviewed my credit report and was surprised to discover several negative marks classified as " Late Payments ''. This is contradictory, as I have always made my payments on time. This situation is significantly affecting my ability to access credit, which has a direct impact on my personal and family life. I have noticed that transactions related to the XXXX account with the number XXXX have been incorrectly marked as late payments. I also find it in very bad taste that the credit bureau reports these things knowing that it is a violation of my rights as a consumer and a violation of my privacy. 

It was also reported in XXXX, XXXX and 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 non-monetary relief
Consumer complaint received 2024-10-24 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: TX

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2024-10-24 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: EQUIFAX, INC.
State: TX

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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 writing to notify you that I am a victim of identity theft as a result of a recent data breach. 
Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : 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 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 non-monetary relief
Consumer complaint received 2024-10-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/scrub>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 ran a hard inquiry on my credit report without my permission. 

On XX/XX/year> XXXX XXXX XXXX XXXX ran a hard inquiry on my credit report without my permission. 

On XX/XX/year> CITI CARDS CBNA ran a hard inquiry on my credit report without my permission.

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 2024-10-24 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: FL

Complaint narrative:
I am writing to disputed inquiries on my credit report that were made without my consent. According to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, PLEASE DELETE HARD INQUIRIES : 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 explanation
Consumer complaint received 2024-10-24 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 express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA XXXX XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I am filing a complaint regarding Alliant Credit Union 's failure to address a credit card dispute I submitted on XX/XX/year> for my Alliant Visa card ending in XXXX. 

The disputed charge is as follows : - Merchant : XXXX - Date of charge : XX/XX/year> - Amount : {$230.00} On XX/XX/year>, I discovered that the tickets purchased from XXXX were fraudulent. I contacted XXXX on XX/XX/year> to request a refund but have not received a response. 

I submitted a formal dispute to Alliant Credit Union on XX/XX/year>XXXX  regarding this charge. However, as of XX/XX/year>XXXX  : - I have not received any confirmation that my dispute was received - I have not received any response or updates on the status of my dispute - No action appears to have been taken on my dispute This lack of response violates my rights under the Fair Credit Billing Act, which requires credit card issuers to acknowledge disputes within 30 days and resolve them within 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit report there are incorrect phone numbers that doesn't belong to me and these phone numbers are : a ) XXXX b ) XXXX None of these numbers belong to me and I never used these numbers at any particular time.

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 2024-10-24 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: FL

Complaint narrative:
This message is to highlight concerns with my credit report, such as incorrect account records, a collection I do not recognize, unauthorized inquiries, and inaccurate reporting. I am seeking your help to address these issues and protect my financial well-being.

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 2024-10-24 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: FL

Complaint narrative:
This message is to highlight concerns with my credit report, such as incorrect account records, a collection I do not recognize, unauthorized inquiries, and inaccurate reporting. I am seeking your help to address these issues and protect my financial well-being.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-24 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: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST 4 XXXX  ), Consumer Date of Birth : ( Private D.O.B. ), Content 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 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 consist of a personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The ( 3 ) major credit reporting agencies throttle credit reporting updates that would result in a favorable outcome, or increase in your overall credit score. I opened ( 2 ) new tradelines ; both of which have been reported to all ( 3 ) credit reporting agencies. I have had these tradelines for 90 days. Ironically, all ( 3 ) credit reporting agencies seem provide updates that have a negative impact on my credit score within the same time period that they received the update of my new tradelines. They have reported increased utilization on tradeline, and an over the limit update to another tradeline however, they wont report my new tradelines. Are credit reporting agencies allowed to withhold credit updates that have a favorable impact to a consumer, while reporting unfavorable updates which would result in a decrease in my credit score? I have a very specific example of this over the last 90 days and I need assistance with uncovering the reporting delay of favorable updates that would result in an increased in my credit score. It is if they are conspiring with the creditors and banks to slowly report updates that would give consumers better rates which subsequently reduces the profit margin for loans to said consumer. 

One of the two new tradelines is from XXXX XXXXXXXX XXXX. 

I am in the process of seeking legal guidance and representation against the credit reporting agencies. It is absolutely absurd that they are given this much latitude to have a reporting protocol that is unfair and has an adverse impact to the consumer and their credit options. Withholding favorable updates is a pattern that I am sure that many other consumers have experienced.

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