vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX  XXXX on XX/XX/year> 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Santander Consumer USA with the following account information is reporting to the Credit Reporting Agencies as a Charge off since XXXX of XXXX on XXXX with a status of Account charged off. {$32000.00} written off. {$26000.00} past due as of XX/XX/XXXX. However, I have not received a 1099-C which Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. 

Santander is also reporting inaccurate and inconsistent information across the different Credit Bureaus which is a violation of the FCRA.

The amount of late payments are different with each bureau. The status of the account is also different across each Bureau. 

For Example, on XXXX, Santander Consumer USA shows an original balance of {$36.00}, XXXX with a last payment date of XX/XX/XXXX but does not disclose the amount and a past due balance of {$26000.00}. On XXXX, Santander reports no information from XXXX XXXXXXXX XXXX but reports XXXX of XXXX as 30 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. 
In XXXX, Santander reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 60 days past due, XXXX as 90 days past due with XXXX of XXXX being paid on time. In XXXX, Santander reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due and as a Charge off beginning in XXXX of XXXX. 

On XXXX, Santander Shows the date of the last payment in XXXX of XXXX in the amount of {$560.00}. Santander reports no information from XXXX XXXXXXXX XXXX but reports XX/XX/XXXX as 60 days past due, XXXX of XXXX as 60 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. In XXXX, Santander reports XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 120 days past due, XXXX as 90 days past due, XXXX as 120 days past due with XXXX of XXXX being paid on time. In XXXX, Santander reports XXXX as 06 days past due, XXXX as 90 days past due, XXXX as 120 days past due and as a XXXX off beginning in XXXX of XXXX. 

On XXXX, Santander reports remarks that read Charged off as bad debt|Profit and loss write-off. XXXX is currently reporting no payment history with a balance due of {$26000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I TRIED TOO GET AN APARTMENT AND COULDNT GET BECAUSE OF MULTIPLE ACCOUNTS ON MY CREDIT 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 2024-12-01 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:
Personal Statement To whom it may concern, I am asking that all disclosure forms that I signed to have my non- public information be provided from the above companies stating that I cave permission tor any or my transactions and or experiences with the creators to be reported to any outside third party including but not limited to Experian, XXXX XXXX and XXXX.. According to 15 US Code S 6801 addresses the protection of non public personal intormation and accordina to non public intormation All late tees are included according to the law. Non publi personal intormation is a transaction and or experience made between myself and the creditor directly..My rignts have been violated greatly per the GRAMM LEACH BLILEY ACT 15 USC S 6801-6809.. Please remove all negative reporting referring to the above accounts immediately. There is a continuous obligation to respect my privacy and transactions.. Please remove upon an immediate basis. Thank you 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 2024-12-01 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: FL

Complaint narrative:
I hope this letter finds you well. My information was exposed in Equifax data breach. I am writing to formally dispute several hard inquiries listed on my credit report. Upon reviewing my credit profile, I discovered multiple inquiries and accounts that I did not authorize nor recognize. These inquiries and accounts are adversely impacting my ability to secure new credit and are unjustifiably affecting my creditworthiness. 

As per the Fair Credit Reporting Act, I am entitled to dispute any inaccurate or unauthorized information present on my credit report. Therefore, I kindly request that the unauthorized hard inquiries be promptly investigated and removed from my credit report. 

I emphasize the urgency of this matter and request that these inquiries be expunged from my credit report within 30 days. Such timely action is essential to restoring the accuracy and integrity of my credit profile and ensuring fair access to credit opportunities. 

Enclosed with this letter, please find copies of my credit report highlighting the disputed inquiries, along with any supporting documentation that may aid in your investigation. 

I appreciate your attention to this dispute and anticipate confirmation of the removal of these unauthorized inquiries from my credit report within the stipulated timeframe. 

Thank you for your prompt assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act 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 according to 15 USC 168 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 shall - ( I ) promptly delete that item of information fromt 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 fromt the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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 2024-12-01 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: TN

Complaint narrative:
Subject : Escalation of Inquiry Dispute Lack of Verification Provided Dear TransUnion Dispute Department, I appreciate your response regarding the inquiries on my credit report, but the explanation provided does not resolve my dispute. The inquiries listed below remain on my report despite my assertion that they were unauthorized, and you have not provided any evidence to support their validity. 

Disputed Inquiries XXXX. XXXX Reported on XX/XX/year> XXXX. XXXX XXXX Reported on XX/XX/year> XXXX. XXXX XXXX  XXXX Reported on XX/XX/year> XXXX. XXXX XXXX Reported on XX/XX/year> Violations of the FCRA 1. Failure to Verify Authorization ( FCRA 1681i ( a ) ) Under the FCRA, you are required to conduct a reasonable reinvestigation and verify whether these inquiries were authorized or had a permissible purpose. Your response did not include any such verification or documentation. 
2. Burden of Proof on the Furnisher ( FCRA 1681b ) A company must demonstrate a legitimate business need or permissible purpose to access my credit report. Without providing documentation or proof of my authorization, these inquiries should not remain on my credit report.

Requested Actions 1. Provide Verification Documentation : If these inquiries are valid, I request documentation proving my authorization ( e.g., signed applications, account details ).

2. Immediate Deletion of Unauthorized Inquiries : If such proof can not be provided, these inquiries must be removed immediately. 

Supporting Documentation 1. A copy of your original response ( dated XX/XX/year> ) referencing this matter. 
2. My original dispute highlighting the unauthorized inquiries.

Your Responsibility As required under the FCRA, you must resolve this dispute within 30 days and provide a clear resolution, including either verification of the inquiries or confirmation of their deletion. Failure to comply may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or legal proceedings to enforce my rights. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX Hacks XXXX XXXX XXXX XXXX XXXX, TN 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 2024-12-01 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: NV

Complaint narrative:
I am filing this complaint to address the presence of unauthorized and unconnected credit inquiries on my credit report. These inquiries are not tied to any account or transaction I initiated or approved, and their continued presence is a violation of my rights under federal credit laws.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), a credit inquiry can only be performed with the consumers consent or in connection with a legitimate credit transaction initiated by the consumer. These inquiries on my credit report lack any associated accounts or transactions, and I have not provided explicit authorization for them.

Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. I have taken steps to dispute these inquiries with the credit reporting agencies, but they have yet to be removed. The failure to act on my dispute constitutes a failure to comply with federal laws requiring accurate
reporting and prompt investigation.

Credit inquiries, even if unauthorized, can negatively affect my credit score and overall creditworthiness. The existence of these unconnected inquiries is causing unnecessary harm to my financial reputation and may impact my ability to secure favorable terms for future financial opportunities.

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that the credit reporting agencies promptly : Remove all unauthorized and unconnected inquiries from my credit report. 
Implement stricter verification processes to prevent unauthorized inquiries from being reported in the future. 
Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with the FCRA and protects my rights as a consumer. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX + Automotive ( 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: MS

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information talent manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my nights. I am demanding a deletion of the following account. 
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 2024-12-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have asked for my account to be validated. They have been unable to prove that I am legally obliged to pay them, or validate that I signed any papers or gave them my permission to open an account for me, or for them to have my account, nor did I ever sign any paperwork giving the original creditor permission to give my personal Information to any third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding an alleged debt from XXXX that is being reported on my credit report and pursued by a collection agency. Despite multiple attempts on my part to obtain proper validation of this debt, as required by federal law, the collection agency has failed to provide the necessary documentation.

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), consumers have the right to request validation of any alleged debt within 30 days of being contacted by a debt collector. Validation must include clear evidence that the debt is valid, including details about the original creditor, the amount owed, and documentation showing that the debt is connected to the consumer. To date, no proper validation has been provided for this alleged XXXX debt. 

Furthermore, the continued reporting of this unvalidated debt by the credit reporting agencies violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies ensure the accuracy and integrity of the information they report. Reporting an unvalidated debt constitutes inaccurate and unfair reporting, causing harm to my credit profile.

Requested Action : Immediate Investigation : I request that the CFPB investigate the collection agency and the creditor, XXXX, for their failure to validate the alleged debt. I also request that the CFPB ensure all collection activities cease until proper validation is provided. 

Removal of Debt from Credit Reports : I request the immediate removal of this unvalidated XXXX debt from my credit report across all three major credit bureaus ( XXXX, TransUnion, and XXXX ) to prevent further damage to my creditworthiness. 

Compliance Assurance : I ask the CFPB to ensure that both XXXX and any collection agencies acting on its behalf adhere to the FDCPA and FCRA moving forward, providing proper validation before attempting to collect or report any debt. 

The failure to validate this debt violates federal consumer protection laws and has caused undue stress and harm to my financial standing. I request the CFPBs assistance in resolving this matter promptly and ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this issue.

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