vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: OH

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-03-05 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:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXXXXXX 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 2024-03-05 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-03-05 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-03-05 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: TX

Complaint narrative:
i have just discovered that i am a victim of identity theft and i have supporting documents to support my claim on these fraudlent accounts, someone has used my personal information to obtain goods and services using my personal information. i have no knowledge of these accounts nor have i opened any of these fraudlent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: TX

Complaint narrative:
i have just discovered that i am a victim of identity theft and i have supporting documents to support my claim on these fraudlent accounts, someone has used my personal information to obtain goods and services using my personal information. i have no knowledge of these accounts nor have i opened any of these fraudlent accounts.

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 2024-03-05 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S.Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15.U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragragh ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. There are items on my report that have different dates open, as well as different payment history and different dates of last activity on all three bureaus ... which is inaccurate information reporting to my credit profile.. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This creditor is not even licensed to collect a debt in the state of Mississippi ... and I did not give them consent to report information in my name to the consumer reporting agencies... 
XXXX XXXX XXXX XXXX ( This creditor is not licensed either to collect a debt in the state of Mississippi ) 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 2024-03-05 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

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 2024-03-05 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'm writing to ask that an unapproved credit inquiry be taken off my credit record. I discovered an inquiry on my credit report that I had not approved when I obtained a copy of my credit report. It is listed below. 
XXXX XXXX XXXX  XX/XX/2022

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 2024-03-05 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally notifying you that if the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are required by law to respond to me within 15 days. Non-compliance can result in fines up to {$1000.00}. 
Please provide the detailed procedures taken when obtaining the investigation results for XXXX XXXX XXXX within 10 days to avoid further action.

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 2024-03-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE XXXX CREDIT AGENCY. 



XXXX. XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE XXXX CREDIT AGENCY. 



15 U.S. Code 1681e - COMPLIANCE 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.

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 2024-03-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE XXXX CREDIT AGENCY. 



XXXX. XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE XXXX CREDIT AGENCY. 



15 U.S. Code 1681e - COMPLIANCE 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
To Whom It May Concern : I noticed in my consumer report there is a collection account off reporting to my credit report by the three major credit reporting agencies. The collection reporting is illegal according to section 18 USCB, FCRA, and Section 1681. 

The collection company that is reporting this fraudulent information is VanceHuffman. I do not own this account, nor do I have any knowledge of this account. VanceHuffman is violating my consumer privacy rights.

Im requesting that VanceHuffman cease and desist from reporting fraudulent information to all three major reporting credit agencies.

In addition VanceHuffam is not licensed or bonded to operate in the state of California. In addition Ive included the IRS cancelled debt income general rules. VanceHuffman is in violation of my consumer privacy rights as stated in Section 1681 of the Fair Credit Reporting Act ( FRCA ), as well as illegally attempting to collect a debt that is fraudlent, and illegally practicing debt collection in the state of California that VanceHuffman is not licensed or bonded to do so.

I hereby assert that VanceHuffman debt collection agency has violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically due to this collection. This action has resulted in significant financial harm and emotional distress. If this matter is not corrected immediately, I intend to seek litigation VanceHuffman to pursue damages and ensure accountability for their actions.

I am formally requesting that VanceHuffman promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681, and 18 USCB theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


Account XXXX XXXX  Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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 just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 2024-03-05 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:
I am writing to express my deep frustration and dissatisfaction with the lack of progress in resolving the fraudulent items on my account, despite multiple attempts to rectify the situation. 

I have diligently followed the appropriate procedures and channels to report and dispute the fraudulent items appearing on my account statement. I have provided all necessary documentation and evidence to support my claims of unauthorized transactions. However, despite my numerous attempts, the fraudulent items have not been removed from my account. 

This ongoing delay in addressing the issue is unacceptable and has caused significant distress and inconvenience. Not only do these fraudulent transactions compromise the security of my account, but they also tarnish my financial reputation and integrity. 

I demand immediate action to rectify this matter and promptly remove the fraudulent items from my account. Additionally, I expect your institution to conduct a thorough investigation into the source of the fraudulent activity and take appropriate measures to prevent similar incidents from occurring in the future. 

Furthermore, I request regular updates on the status of the investigation and the actions being taken to resolve the issue. It is essential that your institution demonstrates transparency and accountability in addressing this serious matter. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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

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 2024-03-05 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: OH

Complaint narrative:
I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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