vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 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 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

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXX/XX/XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX my Jobs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX my Jobs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FactorTrust, Inc.
State: NV

Complaint narrative:
these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I filed a previous complaint with Ally because we sent a cashiers check to payoff our loan. They received it on XX/XX/22. They claim they mailed the check back to the bank, but without a tracking number and now its lost. Who mails a check for almost {$15000.00} without any kind of tracking number? We have been in CONSTANT contact with customer service and the collections department for the last XXXX months trying to get this resolved. We were able to get the check reissued and they received it on XX/XX/22. We kept them updated and let them know that it was on the way. Even though we have done nothing but try to work with them on this, they have been completely unhelpful and uncooperative. Today they reported us to the credit bureau and our credit took a very large hit..

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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:
Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Now, I want you to REMOVE these items from my file like the other bureaus have done. 

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX ; Date opened XX/XX/XXXX Balance {$10000.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did a recent review of my consumer reports with XXXX, XXXX and TransUnion. All three agencies are reporting a XXXX  XXXX Bankruptcy which all 3 reported this information came from XXXX. I sent a letter to XXXX via certified mail ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX letting them know that they, XXXX and the other 3 credit reporting agencies have violated my consumer rights to privacy by reporting this information without my permission. I also contacted the bankruptcy court who stated they do not provide any consumer information to credit reporting agencies. I told XXXX to remove this inaccurate information from any report/file that they have on me and to stop reporting this information to other credit reporting agencies. XXXX sent a letter dated XX/XX/XXXX stating the results of their reinvestigation came from them reviewing their bankruptcy records that they received from XXXX. I have contacted XXXX  and they stated they do not contact consumer reporting and credit reporting agencies. Since a reasonable reinvestigation was not conducted. I want XXXX, XXXX, XXXX and TransUnion to stop all reporting of any bankruptcy on my consumer/credit reports and files immediately and to provide me with updated reports/files upon removal.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
I requested the credit bureaus verify all items on my consumer reports were accurate and they did the investigation and stated everything was accurate. I also did research myself and found inaccuracies on my consumer report even after they said they did a full investigation. In accordance to the FCRA the following accounts all have 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 states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX  XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX  - Account # 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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
I requested the credit bureaus verify all items on my consumer reports were accurate and they did the investigation and stated everything was accurate. I also did research myself and found inaccuracies on my consumer report even after they said they did a full investigation. In accordance to the FCRA the following accounts all have 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 states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX  XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX  - Account # 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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Transunion refuses to honor and investigate my requests. Instead, Transunion claims that a third party has created and sent the investigation request ( s ) on my behalf. ( see samples attached ) It is known to the public that Transunion has been sending out genetic letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information they provided.

Such action is illegal, as each dispute and challenge must be addressed individually and on its own merits. The letters I sent were created using software available to everyone. ( opensource ) Transunion is violating 15 U.S. Code 5 1681i, which states they must process consumer letters on time based on the assumption that help from a third party may be available. It should not be a legal exception. I authorize any letters they've received with my name on them.

Either my advisors or I wrote them with my full knowledge and consent. I know that no law says I need to provide a Power of Attorney to delay processing letters from a consumer. 

TRANSUNION, PLEASE QUIT DELAYING MY INVESTIGATION REQUESTS IN ACCORDANCE WITH THE LAW

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The consumer reporting agencies ( CRA ) continued to report inaccurate and inconsistent information on my credit report. I have disputed these accounts for the past 60 days with the original creditors and have received few followups with the creditors but CRA 'S are inconsistent in verifying this information. All these agencies should be reporting same information and investigate disputes that the consumer requested, instead they continue to resolve disputes without providing me with the methods use to verify the information. I have send letters with all documentation needed but they keep saying investigation still in progress. I have several accounts that says resolved but the status was never updated and unknown addresses and variations of my name continue to be added on my report, after I disputed that information and sent a valid identification, SSN and utility bill to verify my identity. As a victim of identity theft, I request you do a thorough investigation and provide with information requested.

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank America ; XXXX XXXX XXXX, XXXX, FL XXXX : closed my checking account Closed for cause ; suspected fraud activity. Closed date : XX/XX/2022 I deposited XXXX checks each XXXX {$1000.00} the total is {$5000.00} from western XXXX XXXX XXXX XXXX XXXX XXXX on date XXXX. Bank America frozen the funds while they review the transactions and validate the source of funds. I provide the sources of funds to them. And they dont answers to me. And they reported to early warning so, I cant open another checking account in another bank.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX COLLECTION ( Original Creditor : COLLECTION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation