vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 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: MO

Complaint narrative:
I am writing to file a formal complaint concerning my ongoing and unsuccessful attempts to dispute inaccurate addresses, collections, and inquiries on my credit report. Despite numerous efforts, these inaccuracies persist, tarnishing my creditworthiness and causing financial harm. 

The specific issues I am disputing are as follows which needs to be remove by the credit bureaus : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$90.00} XXXX XXXX Balance Owed : {$130.00} MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXXXXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have taken the following actions to address these issues : Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Despite my persistent efforts, the inaccurate addresses, collections, and inquiries remain on my credit report, causing significant financial distress. 

The Fair Credit Reporting Act ( FCRA ) requires the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.

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 2023-09-16 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: MO

Complaint narrative:
I am writing to file a formal complaint concerning my ongoing and unsuccessful attempts to dispute inaccurate addresses, collections, and inquiries on my credit report. Despite numerous efforts, these inaccuracies persist, tarnishing my creditworthiness and causing financial harm. 

The specific issues I am disputing are as follows which needs to be remove by the credit bureaus : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$90.00} XXXX XXXX Balance Owed : {$130.00} MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have taken the following actions to address these issues : Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Despite my persistent efforts, the inaccurate addresses, collections, and inquiries remain on my credit report, causing significant financial distress. 

The Fair Credit Reporting Act ( FCRA ) requires the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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 reside in the state of Texas and have lived in Texas my entire life. 
On XX/XX/2023 I received a notification about a new account that was opened through XXXX XXXX and XXXX. In early XX/XX/2023 my wallet was stolen. Inside my wallet was my drivers license and social security card, along with other identifying information. I contacted XXXX and inquired on the new account and was informed that it was a bank account along with a " secured '' credit card. The account was opened and created in the state of North Carolina. 
I contacted the bank and advised them that my identity had been stolen and that I live in the state of Texas, not in North Carolina. The company informed me that they would close the account, which they never did. 
I have disputed this account through XXXX three times and have submitted police reports from Texas and North Carolina, FTC Report ( FTC Report Number : XXXX ), IRS Identity Theft Affidavit ( XXXX XXXX XXXX ), along with my personal identifying information and they persist that the account was verified and belongs to me, which it doesn't. 
I am a victim of identity theft. This is an on going investigation. For more information on the police report, please contact XXXX XXXX XXXX Department in North Carolina at ( XXXX ) XXXX, speak to Detective XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX. You can also contact XXXX Police Department in XXXX Texas, speak to XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX ( identity theft ) and Case # XXXX ( stolen property ). 
I am pleading for some additional assistance with this matter. This bank account does not belong to me and never has. I have lived in Texas my entire life. My identity has been stolen and the people using my information live in North Carolina and have used my information before to reside in three different addresses and XXXX has not verified the information before and simply adds the information. They have also used my information to obtain a phone through XXXX XXXX, which is also being disputed. Please help!

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 2023-09-16 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:
I reside in the state of Texas and have lived in Texas my entire life. 
On XX/XX/2023 I received a notification about a new account that was opened through Credit Karma and XXXX. In early XX/XX/2023 my wallet was stolen. Inside my wallet was my drivers license and social security card, along with other identifying information. I contacted XXXX and inquired on the new account and was informed that it was a bank account along with a " secured '' credit card. The account was opened and created in the state of North Carolina. 
I contacted the bank and advised them that my identity had been stolen and that I live in the state of Texas, not in North Carolina. The company informed me that they would close the account, which they never did. 
I have disputed this account through XXXX three times and have submitted police reports from Texas and North Carolina, FTC Report ( FTC Report Number : XXXX ), IRS Identity Theft Affidavit ( XXXX XXXX XXXX ), along with my personal identifying information and they persist that the account was verified and belongs to me, which it doesn't. 
I am a victim of identity theft. This is an on going investigation. For more information on the police report, please contact XXXX XXXX XXXX Department in North Carolina at ( XXXX ) XXXX, speak to Detective XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX. You can also contact XXXX Police Department in XXXX Texas, speak to XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX ( identity theft ) and Case # XXXX ( stolen property ). 
I am pleading for some additional assistance with this matter. This bank account does not belong to me and never has. I have lived in Texas my entire life. My identity has been stolen and the people using my information live in North Carolina and have used my information before to reside in three different addresses and XXXX has not verified the information before and simply adds the information. They have also used my information to obtain a phone through XXXX XXXX, which is also being disputed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: Westlake Services, LLC
State: CA

Complaint narrative:
West lake Service Incorporation pull my credit on XX/XX/XXXX, XXXX resulting on a hard inquiry. 
I did NOT AUTHORIZE this and its now showing up on my credit. I think it maybe fraudulent activity.

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 2023-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC
State: SC

Complaint narrative:
XX/XX/2021 this this vehicle was in a car accident and was totaled and I was not aware of this showing up on my credit report as an repossess when this car was totaled due to an accident. How can you put repossession on my credit report when this car was totaled due till a car accident. This is really stop me from purchasing a vehicle because its showing up as an repossession on my credit report when car dealerships is pull my credit when this vehicle were totaled two yrs ago and my insurance paid this car off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: IL

Complaint narrative:
Abuse of trust by a former co-worker in the AUTO loan processing process and where they took advantage of my good will and carried out a whole process of strong consultations with different banks and financiers that are exactly detailed before the credit bureau with my credentials for the procedure requested by XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). 



XXXX XXXX asked me to help her accompany her to your office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. First, her credit and credentials were verified. ( SSN ) And the salesman who assisted her at the time told her that her credit score is very low and she needed to present a co-signer and contribute a higher premium to the AUTO. Having this information, XXXX, she suggested to the seller that they try my personal credentials ( SSN ) to see how my credit history would come to light and see if the monthly payment could be lowered. So USD XXXX was a very heavy amount for their finances. She was looking for an average fee between approximately USD XXXX. 



I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best economic decision for her budget. The seller and she assured me that only 1 inquiry would be made to the credit bureau and that it would be soft. And it wouldn't affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and NEVER request to be the main debtor and/or co-debtor in this process.

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 2023-09-16 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: IL

Complaint narrative:
Abuse of trust by a former co-worker in the AUTO loan processing process and where they took advantage of my good will and carried out a whole process of strong consultations with different banks and financiers that are exactly detailed before the credit bureau with my credentials for the procedure requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). 



XXXX XXXX asked me to help her accompany her to your office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. First, her credit and credentials were verified. ( SSN ) And the salesman who assisted her at the time told her that her credit score is very low and she needed to present a co-signer and contribute a higher premium to the AUTO. Having this information, XXXX, she suggested to the seller that they try my personal credentials ( SSN ) to see how my credit history would come to light and see if the monthly payment could be lowered. So USD XXXX was a very heavy amount for their finances. She was looking for an average fee between approximately USD XXXX. 



I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best economic decision for her budget. The seller and she assured me that only XXXX inquiry would be made to the credit bureau and that it would be soft. And it wouldn't affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and NEVER request to be the main debtor and/or co-debtor in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: IL

Complaint narrative:
Abuse of trust by a former co-worker in the AUTO loan processing process and where they took advantage of my good will and carried out a whole process of strong consultations with different banks and financiers that are exactly detailed before the credit bureau with my credentials for the procedure requested by XXXX XXXX ( XXXX XXXX XXXX XXXX  - Please see attached data / Digital backup ). 



XXXX XXXX asked me to help her accompany her to your office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. First, her credit and credentials were verified. ( SSN ) And the salesman who assisted her at the time told her that her credit score is very low and she needed to present a co-signer and contribute a higher premium to the AUTO. Having this information, XXXX, she suggested to the seller that they try my personal credentials ( SSN ) to see how my credit history would come to light and see if the monthly payment could be lowered. So USD XXXX was a very heavy amount for their finances. She was looking for an average fee between approximately USD XXXX. 



I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best economic decision for her budget. The seller and she assured me that only 1 inquiry would be made to the credit bureau and that it would be soft. And it wouldn't affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and NEVER request to be the main debtor and/or co-debtor in this process.

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 2023-09-16 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: TN

Complaint narrative:
You are in direct violation of the fair credit reporting act ( Account name & number # ) has violated my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts listed here were opened without my knowledge or consent. I am a victim of identity theft.

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 2023-09-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-09-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX pull my credit on XX/XX/XXXX, XXXX resulting on a hard inquiry. 
I did NOT AUTHORIZE this and its now showing up on my credit. I think it maybe fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I recieved a phone call from alliance collections after they were told previously not to call my cell phone, they also used an auto dialer which is illegal in wisconsin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
THE HOME DEPOT/CITIBANK pulled my report without authorization on XX/XX/2023. 

I assume related to fraud found on my report. Ive attached police report and

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 2023-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I am submitting a formal complaint against Paypal Arbitration : I opt out of all arbitration clauses linked to my account. 
Security Interest : I rescind all security interests tied to my account.

Notice : This serves as formal notice of the above requests.

I expect these terms to be adjusted respecting my consumer rights. Please acknowledge receipt and advise on next steps.

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