vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX And account # XXXX XXXX XXXX XXXX. 
And account # XXXX XXXX XXXX XXXX has violated my rights.

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.

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 2024-04-04 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: FL

Complaint narrative:
XXXX data breach exposed my personal information. As a result cause identity theft and fraud related to my credit with XXXX breach. 1. XXXXXXXX XXXX account # XXXX paid or Fraudulent account # XXXXXXXX XXXX XXXX XXXX Paid, Closed/Never late or Delete 2. XXXX XXXX account # XXXX -- -- -Paid, Closed/Never late or Delete Account # XXXX -- - Paid, Closed/Never late or Delete Account # XXXX Paid, Closed/Never late or Delete 3. XXXX XXXX account ending XXXX or FRAUD account # XXXX Paid, Closed/Never late or Delete 4. XXXX XXXX XXXX account # XXXX - Paid, Closed/Never late or Delete 5. XXXX XXXX XXXXXXXX or Fraud XXXX - Paid, Closed/Never late or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692 ) I will be filing a lawsuit.

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 
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 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 

DELETE NON WORKING ADDRESS XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX suffered damages as a result of the misrepresentation. As a result of Experian, XXXX and XXXX violations of Fair Credit Reporting Act ( CFRA ).

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 2024-04-04 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: IL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-04 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: NY

Complaint narrative:
In accordance with the fair credit report act the list of accounts has violated my federal protected consumer rights to privacy and confidentiality. Account Name : 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. Has violated my rights 15 USC 1681 action 602A states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C 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 record by 7 years. 15 USC 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 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 2024-04-04 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: NY

Complaint narrative:
In accordance with the fair credit report act the list of accounts has violated my federal protected consumer rights to privacy and confidentiality. Account Name : 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. Has violated my rights 15 USC 1681 action 602A states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C 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 record by 7 years. 15 USC 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 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 2024-04-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In Consumer Law of 15USC code 1681a, transactions and history amounts are not to be reported. Also 15USC code 6802 was violated. I was not ever given and have not or ever given the option to OPT OUT of anything being added to my consumer report. Equifax has never provided the option or have they ever fulfilled their part in letting me know what is being reported on my credit report. Furthermore, Equifax has also improperly reported my bank loans with my XXXX XXXX bank, who are not suppose to be reporting to them, because they are a 3rd party, which is according to the Fair Credit Reporting Act and the Privacy Act of 1974. They never informed me of my right to exercise my disclosure option. 15 USC 1681 C ( a ) ( 5 ) states, Except as authorized under subsection consumer report containing any of the following items of information, other than records of convictions of crimes this antedates the report by more than 7 years. Once again the this agency is reporting without my consent it is against the LAW 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating a consumer reporting agency if the person knows or has a reasonable cause to believe the information is not correct. 15USC code 1681 e also states every consumer reporting agency shall maintain resonable procedures designed to avoid violations ( section 1681b of this title ). Also in 12CFR 1016.7 states a consumer may exercise the right to OPT OUT at anytime. I am opting out of the reporting services. Furthermore, whatever happen to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure the consumer reporting agencies exercise their grave RESONSIBILITIES with FAIRNESS, impartially and respect for the consumers rights to privacy ''. I have a right to make sure it is not shared which states in 15 USC 6801, " Is is in the policy of Congress each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of consumers nonpublic personal information. The credit ( Equifax ) agency absolutely has not nor my written, implied verbal or non-verbal consent. Once again, I am OPTING OUT of your credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
I contacted XXXX, Equifax and XXXX on XX/XX/XXXX and XX/XX/XXXX regarding late payments noted for two accounts ( XXXX and XXXX XXXX  XXXX ) as they were reported in error and I have not received written notice back from any of these credit bureaus. 

XXXX late payments reported : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  late reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NC

Complaint narrative:
On XX/XX/year> I requested that all XXXX bureaus sent me validation of the accounts that they stated was verfied and mines. I wanted to know the method they used to verify it because they did not belong to me. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

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 In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NC

Complaint narrative:
On XX/XX/2023 I requested that all 3 bureaus sent me validation of the accounts that they stated was verfied and mines. I wanted to know the method they used to verify it because they did not belong to me. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # XXXX. XXXX XXXX XXXX XXXX XXXXXXXX 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 In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.

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 2024-04-04 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: CA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTIY THEFT MULTIPLE TIMES IN THE PAST, MY INFORMATION WAS COMPRIMISSED IN 7+ DATA BREACHES, I HAVE TRIED MULTIPLE TIMES TO DISPUTE THIS ACCOUNT WITH EQIFAX AND THE COLLECTION AGENCY AND THIS ACCOUNT STILL HAS YET TO BE REMOVED. I DID HIRE A CREDIT REPAIR AGENCY IN THE PAST AND AFTER I USED THEIR SERVICES AN ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX APPEARED ON MY CREDIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS IVE LIVED IN XXXX XXXXXXXX FOR XXXX YEARS GOING ON XXXX. I AM AWARE THAT IF A CONSUMER DISPUTED AN ACCOUNT THAT IT IS THE CREDIT REPORTING AGENCIES DUTY TO BLOCK THIS ACCOUNT 4 DAYS AFTER RECEIVING THE DISPUTE LETTER. EQUIFAX HAS FAILD TO ABIDE BY THESE FEDERAL LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: SC

Complaint narrative:
This letter is to Formally dispute the following account listed on my credit report. 

Account Type : Loan Creditor Name : XXXX Account Number : XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report.

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred.

Proof that I am legally obligated to repay this debt.

If the creditor or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report.

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter.

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 


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 2024-04-04 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: SC

Complaint narrative:
This letter is to Formally dispute the following account listed on my credit report. 

Account Type : Loan Creditor Name : XXXX  Account Number : XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report. 

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred. 
Proof that I am legally obligated to repay this debt. 

If the creditor or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report. 

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate.

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-04 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-04 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: KY

Complaint narrative:
disputed this account XXXX XXXX XXXX because of idenity theft due do the XXXX XXXX breach i supppled all documents required by law and this company failed to acknowldge under the fair credit reporting act sect 605b they are required by law to provide me the verifaction that was used to verifiy or delete this account. 

it is against FCRA to report a balance on a account that has been charged off

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 2024-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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