vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: OH

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error.

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized inquiries again : Disputed Inquiries : XXXX XXXX XXXX  Inquired on XX/XX/year>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 2024-11-22 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: OH

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error.

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized inquiries again : Disputed Inquiries : XXXX XX/XX/XXXX Inquired on XX/XX/year> 2024

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 2024-11-22 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: NC

Complaint narrative:
I am writing to report that I am a victim of identity theft. Several fraudulent accounts and unauthorized credit inquiries have been identified on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I formally request the immediate blocking and permanent deletion of the following accounts and inquiries : Fraudulent Accounts : XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Credit Inquiries : XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NC

Complaint narrative:
I am writing to report that I am a victim of identity theft. Several fraudulent accounts and unauthorized credit inquiries have been identified on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I formally request the immediate blocking and permanent deletion of the following accounts and inquiries : Fraudulent Accounts : 1. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Credit Inquiries : 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 explanation
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
First, you investigation took more then 30 days. Which I have attached proof of. I recently disputed these accounts on XX/XX/year> and I received notice that you have updated the accounts as verified. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. All accounts that have been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all the names and contact information of the employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. These accounts is not any of the above adjectives. Please delete these erroneous accounts immediately or I will be looking to legal options due to your lack of accuracy reporting. 
XXXX XXXX XXXXXXXX inaccuracies- high balance, last verified, date reported, date opened, closed date XXXX - XXXX Inaccuracies- Account number, high balance, last verified date of last activity, open date XXXX XXXX XXXX Inaccuracies- High balance, date reported, date open, closed date XXXX XXXX XXXXXXXX Inaccuracies High balance, date reported, last verified, date opened, closed date

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 2024-11-22 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: CL Holdings LLC
State: TX

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company JEFFCAPSYS, XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to follow up on the outcome of my recent disputes regarding inaccuracies on my credit reports. The consumer reporting agencies ( CRAs ) have indicated that the creditors have " validated '' the accounts in question. However, I am submitting this letter along with proof of XXXX XXXX compliance violations, which highlight inconsistencies and inaccuracies that demonstrate these accounts could not have been properly validated.

Accounts in Question are attached to this complaint Inconsistent Reporting Across CRAs : The reported accounts contain inconsistencies in key data fields, such as the balance amount, date of first delinquency, or payment history. This is a clear violation of XXXX XXXX compliance, which mandates uniformity in the reporting of credit data under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Lack of Proper Validation : The FCRA obligates CRAs to conduct a reasonable investigation of disputed information. Given the attached evidence, it is evident that the investigation conducted was inadequate and failed to resolve discrepancies. 

Failure to Correct or Delete Inaccurate Information : Pursuant to FCRA 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, the CRA must correct or delete the information. The CRAs reliance solely on creditor validation without addressing the evident inconsistencies violates this provision. 

XXXX XXXX Data Reporting Standards : The XXXX XXXX format requires that data be accurately and consistently reported across CRAs. Attached, I have provided documentation showing that the accounts in question are non-compliant with these standards, which further calls into question their validity.

Applicable Laws Supporting My Claims FCRA 1681e ( b ) : CRAs are required to follow reasonable procedures to assure maximum possible accuracy in the consumers credit report. The inconsistencies and errors identified clearly violate this section.

FCRA 1681i ( a ) : When a consumer disputes information, the CRA must perform a reasonable reinvestigation. The lack of effort in resolving the discrepancies outlined herein suggests non-compliance with this requirement. 
Fair Debt Collection Practices Act ( FDCPA ) : If the creditors reporting these accounts are considered debt collectors, their failure to validate these accounts may also violate 15 U.S.C. 1692g, which requires validation of debt upon dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have XXXX consumer reports from Trans Union LLC with incorrect information after the XXXX have disputed all the inaccurate information. The XXXX received updated consumer reports on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the Principles ' middle name still mis-spelled. Trans Union LLC continued reporting inaccurate information on the XXXX 's consumer report. 
As the Agent to the XXXX  I have pursue this matter legally due the fact the Trans Union LLC assumed the roll of reporting and feel that Trans Union LLC can report what they choose. Despite the many Lawsuits filed by the CFPB, FTC and many consumers. 
So the XXXX as chose to Arbitrate this matter.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I submitted a complaint to the Transunion, XXXX, and XXXX 's legal team. The credit bureaus are in violation of the FCRA for refusing to provide me with copies of my credit reports and reinvestigation results as promised in their responses. The credit bureaus legal team also failed to provide me with information on how the reinvestigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. XXXX continues to report the collection account for XXXX XXXX XXXX although Transunion and XXXX has deleted the inaccurate information. Transunion is reporting inaccurate information on the account with XXXX by failing to report {$1600.00} credit limit. XXXX is reporting inaccurate information on the account with XXXX. The company has failed to report the {$3200.00} credit limit. The credit bureaus legal team stated that the accounts are verified, but refuses to provide the appropriate account-level documentation with is a violation of the FCRA Section 1681s-2 ( b )

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 2024-11-22 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:
I am filing this complaint to address the presence of fraudulent accounts and inquiries on my credit report due to identity theft, which I believe is connected to the XXXX data breach. As a victim of identity theft, my personal information was compromised without my consent, resulting in the unauthorized use of my information to open accounts and initiate credit inquiries. 

ACCOUNTS : XXXX XXXX ( Account # : XXXX ) XXXX XXXX XXXX XXXX Account # : XXXX ) -XXXX XXXX XXXX  ( Account # : XXXX ) -XXXX XXXX XXXX XXXX Account # : XXXX ) INQUIRIES : XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I have the right to have all fraudulent information resulting from identity theft removed from my credit file. I have provided XXXX with a valid identity theft report and the required documentation to support my dispute, as mandated by this law. However, XXXX has failed to promptly and properly remove the fraudulent accounts and inquiries as required by law. 

This violation not only disregards my rights under the FCRA but also exacerbates the harm caused by the XXXX data breach. I am requesting immediate action from the CFPB to ensure compliance with federal law by XXXX, including the removal of all fraudulent accounts and inquiries from my credit report and ensuring no further harm results from this data breach. 

Attached to this complaint, I have included : 1. My identity theft report. 


2. Supporting documentation such as correspondence with XXXX. 


3. A list of fraudulent accounts and inquiries appearing on my credit report. 



I respectfully request that the CFPB investigate this matter and hold XXXX accountable for its obligations under FCRA 605B.

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 2024-11-22 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
XXXX Please see this complaint, they continue to report hard inquiries to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXXXXXX XXXX  XXXX XXXX BALANCED {$970.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX, XXXX XXXX XXXX ( Original Creditor : EMERGENCY MEDICAL ASSOCIATES O ) XXXX BALANCED {$1700.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

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 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One XXXXXXXX - Acct # : XXXX Capital One has been charging interest on total amount of the balance ( including late fees and interest ) to my account month after month. It clearly states that interest is only charged on items purchased and the unpaid balance each month. This company has been adding the previous balance + all service fees to calculate the interest each month. I have also been charged fees on cash advances which I have NEVER made. 
I appreciate your attentioni in correcting this matter as it continues to damage my credit score. 

XXXX XXXX

Company response to consumer: Closed with explanation