vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was reviewing my credit report and saw an inquiry from your company that I dont recall authorizing. This has me really concerned, as its affecting my credit score and causing unnecessary stress.

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 2024-12-06 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 2024-12-06 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-12-06 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: MO

Complaint narrative:
In XX/XX/2023, my personal information were compromised by By XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( including several other companies ). My private information that was released on the dark web included. My full name, mailing address, social security number, my phone number, date of birth, and credit card number. Unaware of the data breach. I wasn't able to take full action quickly to protest my credit. Furthermore, there are inquiries on all three credit reports I didn't authorize. I'm requesting assistance in this matter. To remove these quickly and efficiently. Thank 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 2024-12-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In XX/XX/year>, my personal information were compromised by By XXXXXXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX database ( including several other companies ). My private information that was released on the dark web included. My full name, mailing address, social security number, my phone number, date of birth, and credit card number. Unaware of the data breach. I wasn't able to take full action quickly to protest my credit. Furthermore, there are inquiries on all three credit reports I didn't authorize. I'm requesting assistance in this matter. To remove these quickly and efficiently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.
State: GA

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 XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.

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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
XX/XX/year> a dept validation was sent certified mail to both companies trying to collect a dept by calling my phone. I sent a validation of dept certified mail to the companies listed they received the mail on XX/XX/XXXX, XXXX XXXX  as provided through the tracking number They never verified information and never sent and response to letter sent by law this dept has not been validated and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
The vehicle was traded in but still shows as active loan on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Transunion, I am writing to dispute inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXX XXXX XXXX XXXX. The disputed information is as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account XXXX - Nature of Dispute : Inaccurate reporting of late payments and account status Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information reported ( XXXXXXXX XXXX XXXXXXXX ( b ) ). However, my credit report contains the following inaccuracies : XXXX. The account reflects XXXX late payments, but I believe these are erroneous as I made consistent payments, including on XX/XX/XXXX, as shown in the attached documentation. 
XXXX. The account is listed as closed as of XX/XX/XXXX, which contradicts payment activity after this date. 

These inaccuracies are damaging to my creditworthiness and are a direct violation of the accuracy and dispute resolution requirements of the FCRA ( XXXX XXXX. XXXX ). 

I am requesting that you : XXXX. Investigate this account thoroughly : as required under XXXX XXXX. XXXX. 
XXXX. Provide written confirmation : of the results of your investigation. 
XXXX. **Remove or correct all inaccurate information** within the legally mandated XXXX timeframe. 

If this information can not be verified, it must be promptly deleted from my credit report per XXXX U.S.C. XXXX ( a ) ( XXXX ). 

Failure to address this dispute adequately may result in further action to protect my rights under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of receipt and a resolution of this dispute. 

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I leased a vehicle with XXXX XXXX which ended in XX/XX/2024. In XX/XX/2024 I received a letter from XXXX informing me that I owed over {$6000.00} due to mileage overage. I contacted XXXX to let them know that I did not have that kind of money and asked if I could make payments, which they agree to - - I spoke to a woman name XXXX. I started making payments in XX/XX/2024. My payments were due on the XXXX of each month. On XX/XX/XXXX I made a payment of {$450.00} and it was considered XXXX  days late ; in XXXX I paid another {$450.00} on the XXXX and it was reported as XXXX days late. This was reported prior to my first dispute with Experian, as well as the written off/charge off noted for XXXX. After my dispute, the results showed XXXX  days late in XXXX and a written off/charge off for XXXX and XXXX. On XX/XX/XXXX, I received a settlement letter from XXXX offering discount on the amount owed. I called them to let them know that the entire amount would be paid off the following month, which I did honor - I paid the entire balance off on XX/XX/2024. In the XXXX years of leasing the car, I have never paid late and that can be proven on my credit report.I have called XXXX numerous times and sent XXXX a letter highlighting what I wrote here but they are standing by their decision, which is somewhat baffling. On XX/XX/2024 I called XXXX and spoke to XXXX XXXX XXXX XXXX was confused by the write off rating as it was paid completely off. She even offered to send me a letter stating that the account was paid in full, which she did. I have also disputed this with Experian several times. I even called Experian in XXXX and the agent I spoke to was also baffled and offered to rewrite my dispute for me but again XXXX did not budge. My report says XXXX, closed {$5900.00} written off. I paid XXXX the entire amount owed of {$6800.00}

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 2024-12-06 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-06 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: HI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-06 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2024-12-06 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: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Commencing on or about XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX - XXXX with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent affiliate marketing-learning services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
I entered a contract with specific refund criteria. During review in XXXX, they demanded {$10000.00} for ads, contrary to the agreed {$5000.00}. I requested a refund, but they insisted on {$5000.00} spending as per the original contract. 
Despite spending half with no revenue, they claimed {$5000.00} profit from {$5000.00} spent. They suggested promoting the course for financial concerns, resembling a pyramid scheme. They deny a refund, treating participants more as workers, benefiting from their spending. Despite paying {$12000.00} for three months ' access, I still have full access. 
Please take notice that my funds were transferred through means of coercion and under false pretenses all along! 
The specific money amount that was transferred from my Discover account via Credit Card was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: IN

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to ensure that consumer reports are furnished only for permissible purposes, and only with the explicit consent of the consumer in certain cases. Upon reviewing my credit report, I noticed the following unauthorized inquiry : Creditor/Company Name : [ XXXX, XXXX, Experian ] I did not authorize this inquiry, nor did I provide written consent for [ XXXX XXXX XXXX XXXX XXXX ] to access my credit information. Therefore, this inquiry constitutes a violation of my rights under the FCRA. I kindly request the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report. 2. Verification documentation : If the inquiry is deemed valid, please provide proof that I authorized the inquiry, including any written consent obtained. Please consider this a formal dispute under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-12-06 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: DE

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 XXXX out of XXXX 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 2024-12-06 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: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

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 2024-12-06 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been having a problem with fraud and I have reached out to the credit bureaus for a resolution and I havent received one. I provided everything they asked from me and I havent received a response.

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