vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 ay of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedated 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 the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX Balance Owed : {$150.00} ; XXXX XXXX  XXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
ERC ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, item is not mine, contacted collectors, have not responded to dispute letters, or have not sent original documents to verify debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, 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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it 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 explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, 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 am submitting this formal complaint regarding the flagrant presence of fraudulent information on my Credit Reports. It is crucial to note that I previously corresponded with the Credit Reporting Agencies on XX/XX/2023, providing comprehensive attachments containing my personal information. I must emphasize that I am a victim of identity theft, a matter duly reported to the FTC. The disputed items bear no relation to any transactions I have authorized or derived any benefit from as a result of the identity theft. I draw your attention to Section 605b of the Fair Credit Reporting Act ( FCRA ), which explicitly places the responsibility on Credit Reporting Agencies to eliminate any accounts and information indicated in an ID Theft Report. Furthermore, Section 605B ( a ) of the FCRA mandates that the CREDIT REPORTING AGENCIES promptly block any information within the consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt. XXXX  XXXX XXXX XXXX  : {$6900.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX  : {$0.00}. The items listed are direct ramifications of the identity theft, and as such, I demand that the Credit Bureaus fulfill their legal obligation by expunging them from my Credit File.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, 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 am submitting this formal complaint regarding the flagrant presence of fraudulent information on my Credit Reports. It is crucial to note that I previously corresponded with the Credit Reporting Agencies on XX/XX/2023, providing comprehensive attachments containing my personal information. I must emphasize that I am a victim of identity theft, a matter duly reported to the FTC. The disputed items bear no relation to any transactions I have authorized or derived any benefit from as a result of the identity theft. I draw your attention to Section 605b of the Fair Credit Reporting Act ( FCRA ), which explicitly places the responsibility on Credit Reporting Agencies to eliminate any accounts and information indicated in an ID Theft Report. Furthermore, Section 605B ( a ) of the FCRA mandates that the CREDIT REPORTING AGENCIES promptly block any information within the consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt. XXXX  XXXX  XXXX XXXX  : {$6900.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00}. The items listed are direct ramifications of the identity theft, and as such, I demand that the Credit Bureaus fulfill their legal obligation by expunging them from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, 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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX  Please remove it from my credit report.

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  : {$2700.00} ; XXXX XXXX XXXX XXXX  : {$2600.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ALL ACCOUNTS NEED TO BE REMOVED BECAUSE I AM A VICTIM OF IDENTITY THEFT FROM YEARS AGO. XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ALL ACCOUNTS NEED TO BE REMOVED BECAUSE I AM A VICTIM OF IDENTITY THEFT FROM YEARS AGO. 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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ive tried for the longest to shake off these accusations off credit cards, and usage of my credit. Ive went through XXXX XXXX  the last 3 years surviving trying to take care of my small XXXX children on my own and having XXXX XXXX. I want to clear up this mouth XXXX XXXX XXXXXXXX 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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ive tried for the longest to shake off these accusations off credit cards, and usage of my credit. Ive went through XXXX XXXX the last 3 years surviving trying to take care of my small XXXX children on my own and having XXXX XXXX. I want to clear up this mouth XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} ; 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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX*Balance : {$0.00} ; SXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I've been making payments around 15 times a month for last 8 years ( by online ) to this co. 
Whenever I make a payments it always get posted the next morning with a correct available credit. 

I had no problems util XX/XX/XXXX. On that day, I made a payment of {$4000.00}. The following day ( XX/XX/XXXX ), I see the credit posted. However, the next day ( XX/XX/XXXX ), it disappeared. I was going out of town on that weekend and this had caused so much inconvenience. 
It finally appeared AGAIN on XX/XX/XXXX. 
I said to myself, ok this is just an isolated case. 

On XX/XX/XXXX, I made another {$1000.00} payment. The next day the credit got posted but it was applied short of {$600.00}. 
I called the cs the next day but they were not able to give me a clear answer due to I had so many transactions on my account. 

I am sure nobody wants to lose their hard earned money dissapeared by {$600.00}. 

Again, I'd like to remind you I check this app every two hours and before I go to sleep. 

On XX/XX/XXXX, I made another payment ( {$1000.00} ) but was shorted being credited by around {$160.00}. 
I called the cs again but all they are saying was pending charges which I already know and fully calculated. I already know that. 
It was like talking to a block. Very frustrating

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I 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