vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: SC

Complaint narrative:
Re : Fraud Block Request Declined - Document Submitted Not Acceptable We received the fraud block request you recently sent to Experian. 
Experian takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, we are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report. 
Examples of acceptable documents include : - A signed and official report filed with a Federal, state, or local law enforcement agency, the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information - An electronic Identity Theft Report filed online with the FTC at www.identitytheft.gov - A U.S. Postal Inspection Service Report I sent in a valid identity theft report that was filed online with the FTC. You sent me back a generic response saying the accounts were verified and another saying the information above that the complaint was official. This is my third and final attempt and submitting this official electronic identity theft report. This time Ive included screen shot from the official government site, as well as the corresponding emails that Ive received after submission of the complaints.

This CFPB complaint has been led to request according to FCRA 605B ( 15 USC 1681c2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of 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 non-monetary relief
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I received a debt collection notice from Gurstel Law Firm, on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and a copy of the certified mail receipt ) I received an envelope from Gurstel Law Firm on XX/XX/XXXX. The contents had nothing I requested. 

I received a debt collection notice from XXXXXXXX XXXX XXXX XXXXXXXX, on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) As of XX/XX/XXXX, I have not received a response from XXXX XXXX XXXX, who is the sole owner of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
am writing to you to provide me with a debt validation for the account listed above according to citing 15 USC 1692G. I am requesting that you send me a detailed list of the history of payments that I have on this account. I want to see the signature I signed on your contract guarantee that I Would pay the debt collector for this debt. I am also requesting to see if any insurance claims are filed on this debt and proof the chain of title to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was also reported to the federal trade commission.

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 2024-07-12 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: CA

Complaint narrative:
Recently, I received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and overall life.

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 2024-07-12 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: CA

Complaint narrative:
Recently, I received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and overall life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-07-12 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: CA

Complaint narrative:
After obtaining my consumer report, I noticed inaccuracies in the reporting of my XXXX XXXX XXXX account ( # XXXX ) by TransUnion XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to fair and accurate credit reporting. The account, opened in XX/XX/XXXX, does not contain all payment information from that date. There are inaccurate and inconsistent monthly ratings, with no ratings for XX/XX/XXXX and XX/XX/XXXX, which makes the reporting inaccurate. 

The account is also inaccurately reported as 120 days delinquent consecutively, instead of reflecting an increasing delinquent status each month. Additionally, there are incomplete, missing, or inaccurate details for balance information, past due amounts, and payments made. For example, balance information is reported only for XX/XX/XXXX and XX/XX/XXXX. TransUnion inconsistently reports a highest balance of {$1500.00} and a balance of {$16000.00} for XX/XX/XXXX, which is inaccurate. Similarly, for XX/XX/XXXX, a highest balance of {$2300.00} is reported along with a balance of {$10000.00} for the same month. 

These inaccuracies violate the FCRA, which mandates that credit reporting agencies maintain accurate and complete information. Specifically, FCRA Section 1681s-2 requires furnishers of information to report accurate information and correct any inaccuracies. Failure to comply with these requirements shall lead to the deletion of the inaccurate information from my credit 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 non-monetary relief
Consumer complaint received 2024-07-12 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-12 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: TX

Complaint narrative:
I noticed alot of hard inquiries that don't belong to me and one collection account I don't recognize and ain't mine

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 2024-07-12 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: TX

Complaint narrative:
I noticed alot of hard inquiries that don't belong to me and XXXX collection account I don't recognize and ain't mine

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 2024-07-12 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:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Driveway Finance Corporation
State: MI

Complaint narrative:
I am writing to request proof of your authority to collect on this sold/transferred loan account. I need proof of your authority to collect on this alleged debt. You have already admitted to attaining this debt via a third party, so I desire more proof before another payment is forced upon me for this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXXXXXX XXXX continues to report information that is incorrect. TransUnion 's report has incorrect information about this closed and forgiven account due to ID THEFT. The acct was reported as ID FRAUD/THEFT and was BLOCKED. It keeps reappearing XXXX was reported to the IRS for FRAUD and misrepresentation. I was issued a 1099C and the acct is to be permanently removed and XXXX blocked.

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 2024-07-12 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: LA

Complaint narrative:
I have unauthorized inquiries and credit on my credit report that has nothing to do with me.I have done a XXXX report and I feel as if i am being taken advantage of from Transunion, XXXX and 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 2024-07-12 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: LA

Complaint narrative:
I have unauthorized inquiries and credit on my credit report that has nothing to do with me.I have done a XXXX report and I feel as if i am being taken advantage of from XXXX, Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I dont recognize these credit inquiries. I contacted the bureaus and requested they be removed. They didnt do what I asked. Im providing an identity theft report that I will provide attached to this and Im requesting they be removed because they are inaccurate and not mines.

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 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: MI

Complaint narrative:
On XXXX XXXX XXXX I sent a dispute letter to XXXX XXXX XXXXXXXX, via Certified Mail. The letter I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter received. My initial letter stated the following Upon reviewing my Transunion, XXXX, and XXXX credit reports, I see that your company has reported a delinquent account in my name, with an unpaid balance of {$1000.00}. This account is currently showing as a collections account on all 3 of my credit reports, and has had a negative impact on my ability to receive credit approvals. 

I do not take any responsibility for this debt. I have no recollection nor any written proof of ever applying for or opening accounts whereby these funds would be charged to me. I do not believe this account belongs to me, and I demand it be removed from all 3 of my credit reports immediately.

I am reaching out via this letter, demanding to see Verifiable Proof in the form of an original consumer contract with my signature on it, along with any and all supporting documentation pertaining to this account belonging to me. 

I am aware that according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement that physical verification of the original signed consumer contract be performed to ensure accuracy of any and all debts. I am also aware that by law, your company has 30 days to complete this investigation and to mail the requested documentation back to me. 

Enclosed are copies of my credit reports, showing this account for your review. Please investigate and mail the requested documentation to me as soon as possible. 

Your immediate attention to this matter is appreciated. 

At the time I am writing this letter, it is now XXXX XXXX XXXX  ; 31 days after my initial letter was received by XXXX XXXX XXXX I have also enclosed a copy of my credit report dated XXXX XXXX XXXX which shows that the disputed account below has not been removed from my credit 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 non-monetary relief
Consumer complaint received 2024-07-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-13 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 respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-07-13 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: TX

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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