vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: 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. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA 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 2024-11-25 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: TX

Complaint narrative:
I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers. 

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject tosection 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations.

4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-11-25 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: PA

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 paragraph ( 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 shalli ) promptly delete that 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 paragraph ( 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 shalli ) promptly delete that 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.

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 2024-11-25 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:
I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) on my credit report. These violations have caused inaccuracies in my credit profile, unauthorized access to my personal information, and distress from improper debt collection practices. 

Failure to Verify Accuracy of Information : Under FCRA Section 616 ( 15 U.S. Code 1681n ), you accepted and reported inaccurate information about me without verifying its accuracy, which constitutes willful noncompliance.

Lack of Disclosure of Consumer Rights : You failed to disclose my right to opt out of sharing my personal information, violating FCRA Section 603 ( d ) ( 2 ) ( A ) ( 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ). This omission denied me the opportunity to control the use of my private data.

Deceptive Reporting and Validation : Several accounts and inquiries were reported inaccurately and without proper validation, violating FCRA Section 623 ( a ) ( 3 ) ( 15 U.S. Code 1681s-2 ( a ) ).

Harassment and Unfair Practices : Debt collectors shared my information with third-party agencies and contacted me about debts I do not owe, violating FDCPA ( 15 U.S. Code 1692c ( b ) ) and the regulations on acquiring location information.

Late Payment Misreporting : My credit report includes claims of late payments without clear definitions of what constitutes late payments, which is deceptive and a violation of FCRA Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ).

Unauthorized Hard Inquiries : Several hard inquiries were performed on my credit report without my consent, violating FCRA Section 604 ( a ) ( 2 ) ( 15 U.S. Code 1681b ( a ) ( 2 ) ), which requires written authorization for such actions.

Failure to Validate Debts : In accordance with FDCPA ( 15 U.S. Code 1692g ), I requested validation of certain debts, including proof of the original contracts. This has not been provided, and false reporting persists.

These issues have caused harm to my creditworthiness, emotional distress, and unnecessary complications. I have demanded the following resolutions : correction of inaccuracies, deletion of unauthorized hard inquiries, validation of debts, and confirmation of compliance with federal regulations. If these demands are not met promptly, I am prepared to pursue legal remedies as outlined under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
MY ACCOUNT BALANCE WITH XXXX XXXX XXXX IS INCORRECT. MY BALANCE IS XXXX ( XXXX ). XXXX XXXX XXXX  NEEDS TO UPDATE MY INFORMATION CORRECTLY. THE BALANCE IS XXXX ( XXXX ) FOR THE ACCOUNT ENDING IN XXXX AND ACCOINT ENDING IN 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 2024-11-25 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: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-25 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: NJ

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TX

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I request their removal within 15 days. I have attached relevant documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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 writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXXXXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$3500.00} XXXX. XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX XXXX XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$650.00} XXXX. XXXX XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2900.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$210.00} XXXX. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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 formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$3500.00} XXXX. XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX XXXX XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$650.00} XXXX. XXXX XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2900.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$210.00} XXXXXXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2700.00}

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 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX  XXXX on XX/XX/year> and XXXX, an inquiry from XXXX XXXX  on XXXX/XXXX/XXXX, and inquiries from XXXX  XXXX  on XX/XX/year> and XXXX  XXXX  on XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.solution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Hi, I had three different banks contact me. 
Wells Fargo - XX/XX/year>. 
XXXX XXXX  - XX/XX/year>. 
XXXX XXXX  - XX/XX/year>. 

All were denied by the banks. 

They all had hard hits on my credit report and it appears someone is trying to open credit cards/checking accounts in my name. I did not apply to any of these.

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 2024-11-25 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: WI

Complaint narrative:
I recently reviewed my credit report and found inaccurate information regarding my XXXX XXXX XXXX XXXX ( XXXX ) account. Specifically, late payment entries have been reported that do not align with my actual payment history. 

This account is active and in good standing, and I am not requesting its deletion. I am only disputing the erroneous late payment entries. My payment records confirm that this account has consistently been paid on time without any missed payments. I respectfully ask for a correction of this inaccuracy. 

The details of the account are as follows : Account Name & Number : XXXX XXXX XXXX XXXX - Account # XXXX / XXXX / XXXX Issue : Reported late payments on this account are incorrect.

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