vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: OH

Complaint narrative:
I XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately Addresses Collections Names Hard Inquiries These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: CA

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 2024-12-10 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with the persistent inaccuracies on my credit report, specifically regarding the XXXX account with the account number XXXX. Despite multiple attempts to resolve this issue with TransUnion and XXXX, the problem remains unresolved. The XXXX account, which was closed on XX/XX/year>, is still being reported as open and negatively impacting my XXXX XXXX. This is the fifth attempt to address this issue, and the lack of resolution is both frustrating and unacceptable. By continuing to report inaccurate information, TransUnion and XXXX are violating the Fair Credit Reporting Act ( FCRA ). This federal law requires credit bureaus to provide accurate and timely information about consumers ' credit history. I urge the CFPB to investigate this matter and take appropriate action to hold these credit bureaus accountable for their repeated violations of the FCRA. It is evident that TransUnion and XXXX are either incapable or unwilling to correct this error. Their negligence has caused significant financial harm and emotional distress. I believe it is imperative that these credit bureaus are held accountable for their actions. Recent reports have highlighted the CFPBs shortcomings in addressing consumer complaints. I hope that by filing this complaint, I can contribute to a larger effort to hold these institutions accountable and ensure that consumers rights are protected. I urge the CFPB to investigate this matter thoroughly and take appropriate action to compel TransUnion and XXXX to correct the inaccuracies on my credit report. Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
PLEASE PROVIDE ME WITH THE METHOD OF VERIFICATION AND THE PROCEDURE 'S DESCRIPTION WITHIN 15 DAYS. I WANT ALL OF THE DOCUMENTATION THAT YOU RETRIEVED TO RENDER YOUR INVESTIGATION THAT THIS INFORMATION IS REPORTING ACCURATELY. IF YOU CAN NOT PROVIDE THIS INFORMATION TO ME IN 15 DAYS, PLEASE DELETE THIS INFORMATION FROM MY CREDIT REPORT. 15 USC 1681i ( a ) ( 6 ) ( iii ) ACCOUNT IS FOR XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent bankruptcy into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent bankruptcy by XXXX XXXX XXXX XXXX XXXX - DOCKET NO : XXXX was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent bankruptcy into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent bankruptcy by XXXX XXXX XXXX XXXX XXXX - DOCKET NO : XXXX was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: N.A.R., Inc.
State: ID

Complaint narrative:
I am writing to formally complain about North American Recovery due to their repeated, harassing phone calls to me, my son, my in-laws, and even my workplace. They claim to be attempting to collect a debt but have failed to provide any details about the alleged debt, including its origin or validity.

When I have requested clarification, they have not provided any meaningful information. Instead, their calls continue to disrupt my personal and professional life. Based on their lack of transparency and failure to substantiate their claims, I am concerned this may be a scam rather than a legitimate collection effort.

Their actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ) by : Harassing me and third parties ( family and workplace ). 
Failing to provide adequate verification or details about the debt. 
Ignoring my request to cease communication. 
I request the CFPB investigate North American Recovery to determine whether their practices are lawful and to take appropriate action to stop their harassment and protect consumers from potentially fraudulent activity. 

Thank you for your attention to this matter. Please let me know if further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  for unlawfully disclosing my personal information to a third-party debt buyer, XXXX XXXX XXXX XXXX without my explicit consent. These actions violate federal consumer protection laws, specifically 15 U.S.C. 1692c, 15 U.S.C. 1692g, and 15 U.S.C. 1681e. 

Details of the Complaint Unauthorized Sale of Personal Information XXXX XXXX XXXX  disclosed my personal information, including my name, contact details, and financial data, to XXXX XXXX XXXX without my explicit consent. This violates 15 U.S.C. 1692c ( b ), which prohibits the communication of consumer information to unauthorized third parties. 

Failure to Validate or Provide Notice Before Sale XXXX XXXX XXXX  failed to comply with 15 U.S.C. 1692g, which requires written notice to the consumer and an opportunity to validate or dispute the debt before selling or transferring the account to a third party. I received no such notice prior to my information being sold to XXXX XXXX XXXX. 

Inadequate Safeguards to Protect My Information Under 15 U.S.C. 1681e ( b ), XXXX XXXX XXXX  is obligated to maintain reasonable procedures to ensure that consumer information is accurate, secure, and not disclosed improperly. Their sale of my information to XXXX XXXX XXXX shows a failure to comply with this requirement. 

Potential Harm and Misuse of Information As a result of XXXX XXXXXXXX XXXX  actions, XXXX XXXX XXXX has improperly used my personal information to initiate unwarranted collection actions. This has caused undue stress, harmed my reputation, and potentially violated additional federal or state laws. 

Applicable Laws Violated 15 U.S.C. 1692c ( b ) Prohibits creditors or collectors from communicating consumer information to unauthorized third parties without explicit consumer consent. 

15 U.S.C. 1692g Requires creditors to notify consumers of their rights to validate or dispute a debt before taking further action, including transferring or selling the debt.

15 U.S.C. 1681e ( b ) Mandates that credit reporting agencies and data handlers adopt reasonable procedures to assure the maximum accuracy and lawful handling of consumer information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Good Morning, I am unaware of this debt that is being reported on my credit report. I have not had the opportunity to dispute this information, If in fact you believe you have given me proper notification, please send the certified mail receipt with my name and my signature. 

Collection company : IC System Correspondence XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-10 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 am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
On my credit report XXXXXXXX XXXXXXXX is showing as an open account reporting 42 missed payments. I have disputed this account multiple time and always comes back as accurate, my credit report gets updated with another negative action. amount went up the first time, changed from charge-off to open account, then last 42 missed payments added. This made my payment history on my credit repot go from 100 % to 64 % and I lost my new apartment because of it. 

I contacted ally financial on XX/XX/XXXX at XXXX pst. I do have a recording of the phone call. The rep let me know since they no longer have possession of the vehicle ( it was repossessed in 2020 when i was not able to make my bankruptcy payments due to covid ) The rep told me the debt was sold to XXXX XXXX XXXX. 

There is also a lawsuit against Ally financial and in the lawsuit against Ally Financial Inc. is known as Ally Financial IncXXXX XXXX XXXX, No. XXXX THE SETTLEMENT BENEFITSWHAT YOU GET XXXX. What does the settlement provide? 

Ally has agreed to provide Class Members with settlement benefits valued over {>= $1,000,000}, which include : MONEY Ally will pay {>= $1,000,000} to pay Class Members, attorneys fees, and costs to Class Counsel and an incentive award to the Class Representatives. This amount is called the Cash Fund.

DEFICIENCY WAIVER Ally will no longer seek to collect a portion of any deficiency balance Allys records reflect as outstanding after Ally repossessed and sold the personal property. The value of this benefit to all the Class Members is at least {>= $1,000,000} and is called the Gross Deficiency Waiver Amount. The amount of the deficiency waiver will vary by Class Member, but will be at least the lesser of the amount of your deficiency balance or {$1300.00}. 
CESSATION OF FINANCE AND LATE CHARGES Ally will not accrue finance charges and late charges on Class Members deficiency balances as of the Effective Date of the settlement. 
CREDIT BUREAU REPORTING Ally will request that the three nationwide consumer reporting companiesXXXX XXXX XXXX XXXXdelete trade-line information on your credit report related to your account with Ally that is the subject of this case.

Company response to consumer: Closed with explanation