vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and fraudulent inquiries have been added to my credit file as a result. I request that all accounts and inquiries listed below be blocked and deleted from my credit report as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Inquiries to Be Blocked and Deleted : 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 2024-11-27 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: FL

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NC

Complaint narrative:
I, XXXX XXXX, am addressing with the credit reporting agency. The key issues are : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted inaccurate credit information without proper verification, which could result in civil liability up to {$1000.00} per violation.

Failure to Disclose Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not disclose my right to opt out of sharing my personal information, violating my consumer rights under the FCRA.

Furnishing Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : The agency provided inaccurate credit inquiries and accounts without adequate validation, which is misleading and potentially violates accounting principles. Debt Collection Violations : Debt collectors reported inaccurate debts without my consent, engaging in unfair practices that caused undue distress, violating
both the FCRA and the Debt Collection Practices Act.

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : Several unauthorized hard inquiries were made on my credit report, in violation of the permissible purpose requirement of the FCRA. I demand that these inquiries be removed immediately. 
Failure to Validate Debts ( FCRA Section 1692g ) : For multiple items listed as debts, I am requesting proper validation as per 15 U.S. Code 1692g. Without proof of the alleged debts or proper verification, I am demanding that these items be deleted from my report.

The primary violations stem from the failure of the credit reporting agency and debt collectors to adhere to FCRA provisions regarding the accurate reporting of credit information, consumer rights, and validation of debts. I am requesting immediate corrective actions, including the removal of incorrect personal information, inaccurate debts, and unauthorized inquiries. If these violations are not addressed promptly, I will pursue legal remedies under the FCRA.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LCB Rent Reporting Ltd.
State: FL

Complaint narrative:
XX/XX/year> began communicating with XXXX XXXX also known as : LCB RENT REPORTING L XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Told them I had no lease with the person they had listed. Attached documentation. Disputed through XXXX. XXXX removed from my credit file and then the very next day, it was put back on my credit file. No one answer the number and no one has responded to my emails other they state they will respond in 1-2 days. I have taken the correct action but this company never vetted this " landlord '' to confirm he had a valid lease to allow this to hinder my credit nor my husband 's credit. I am also on XXXX and they are now violating the XXXX and FHA laws. I have now filed another dispute with XXXX and have again attached supporting documentation to have this removed again. This company, in my opinion, is operating under false pretenses and only has the " Landlord '' i.e ; the paying party 's interest in mind. I would like my voice to be heard. After some research, this is a XXXX based company, but also has an office in the US. I don't believe they are following the US Laws of Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Late/Closed DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Open DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Late/Open DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Open DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Late 120 Days DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Late/Open DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I made a purchase on XXXX and at first I tried to use my cashapp but it wouldn't load so I made the purchase with my XXXX card and it was successful. I got my cashapp to see they took the money from the bank I have connected to my cashapp. I contact cashapp and they tell me to contact the merchant and I did. XXXX said that payment was unsuccessful but it went through on Cashapp ends. That payment needs to be cancelled and the money returned to the account on file because I was then double charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

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

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 2024-11-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Bank has called me on XXXX  on my house phone XXXX XXXX XXXX looking for XXXX XXXX. I told them no one lives here by that name. Then later I have a voice mail on my cell phone XXXX XXXX XXXX XXXX for XXXX XXXX. I tried call the number they left XXXX XXXX XXXX to tell them to remove my number. I reached one agent and told him my issue and he hung up on me. All my repeated calls went unanswered, eventually they time out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-27 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: GA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-27 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: IL

Complaint narrative:
I give XXXX and Experian permission to proceed with this complaint. 

I have checked my credit report and have found that there are accounts that was reinserted in my credit profile after being previously removed.XXXX and Experian has failed to throughly investigate these fraudulent accounts. I have battled for years now with them. I stated and provided ID theft report and police report that it did not belong to me. Also addresses that are not mine and they have yet to be removed. 

FTC Report Number XXXX : XXXX XXXX XXXX {$12000.00} * XXXX XXXXXXXX {$720.00} XXXX XXXX XXXXXXXX {$1000.00} Variances of Name : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 explanation
Consumer complaint received 2024-11-27 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: SC

Complaint narrative:
I, XXXX XXXX, encountered several issues with my credit report that constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These issues include inaccurate reporting, unauthorized inquiries, and unvalidated debts, all of which have severely impacted my consumer rights and credit profile. Here is a summary of what happened : Personal Information Errors My credit report contains incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX, SC and XXXX XXXX XXXX XXXX, SC, which are not associated with me. These inaccuracies violate my rights under 15 U.S.C. 1681c, which mandates accurate personal information reporting. 

Inaccurate Account Reporting Several accounts, including those from XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX, were reported with late payments that I dispute. These reports do not reflect my payment history and are violations of 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report accurate and complete information.

Unauthorized Hard Inquiries Multiple hard inquiries, such as those from XXXX, XXXX XXXX, and XXXX XXXX, were made without my consent. These inquiries violate 15 U.S.C. 1681b, which requires permissible purposes for accessing my credit report.

Debt Collection Violations Debt collectors, including XXXX XXXX XXXX and XXXX XXXX XXXX, reported debts without proper validation, in breach of 15 U.S.C. 1692g. Despite my requests for validation, they failed to provide sufficient proof, such as original contracts or applications bearing my signature.

Disclosures of Personal Information My personal information was shared without providing me with the opportunity to opt out, violating 15 U.S.C. 1681a ( d ) ( 2 ) ( A ).

Failure to Define and Report Accurately Late payments were reported without a clear definition of what constitutes " late, '' and finance charges were not calculated accurately, which is deceptive and noncompliant with the requirements of accurate reporting under the FCRA.

Deceptive and Harassing Practices Reporting inaccurate debts and sharing debt information with third-party agencies caused unnecessary distress and harassment, violating 15 U.S.C. 1692d and 1692e under the FDCPA.

My Actions I have formally disputed these inaccuracies and demanded corrections, deletions, and validations in compliance with 15 U.S.C. 1681i, 1681s-2, and 1692g. Specifically, I requested : Removal of inaccurate personal information. 
Updating late payment reports to " paid as agreed, never late. '' Deletion of unauthorized hard inquiries. 
Validation of alleged debts with proper documentation.

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