vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On the day of XX/XX/2023, I submitted claims out to XXXX, transunion, and XXXX. Here is my tracking numbers : XXXX XXXX, Transunion- XXXX, XXXX XXXX However the credit bureaus said the completed the investigation and everything was 100 % accurate According to the la 15 U.S.Code $ 1681a - Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, triends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowiedge conceming any such items of information. However, such information shal not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How did they complete this investigation

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 2023-04-02 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company is reporting on my XXXX and XXXX. This is not my account and i would like for it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. This account is also reporting inaccurate accross all 3 reporting agencies. Thanks.

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 2023-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates has been harassing me and contacting me nonstop since XXXX about a debt from XXXX on behalf of another company XXXX XXXX XXXX XXXX ) The debt has been discharged and charged off. I'm not sure why it is STILL being reported to the credit bureaus. I have never had any dealings with Portfolio Recovery Associates or owed them any money. Despite my attempts to explain this to their representatives, they continued to harass me and threaten legal action if I did not pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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: MI

Complaint narrative:
In accordance with the fair credit reporting the following companies have violated my rights XXXX open : XX/XX/XXXX, XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX XXXXXXXX open : XX/XX/XXXX, XXXX XXXX XXXX XXXX open : XX/XX/XXXX, XXXX  XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX openXXXX XXXX XXXX XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX : date ( s ) - XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
15 u.s.c 1681 section 602 a state I have the rights to privacy 15u.s.c 1681 604 a. Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, transunion To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report XX/XX/XXXX ), I retrieved a copy of my credit report an inquiry that I have no knowledge of. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XXXX, XXXX. 
Because I did not apply for credit with I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, 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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX, Equifax, XXXX To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report XX/XX/XXXX ), I retrieved a copy of my credit report an inquiry that I have no knowledge of. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XXXX, XXXX. 
Because I did not apply for credit with I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: TX

Complaint narrative:
I did not provide the credit reporting agencies with written permission to report any of the attached accounts I am requesting them to be removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). My credit card information ( SSN, ID, etc ) was shared without my written or expressed consent. All of the companies and entites listed used and shared my credit card information to create unauthorized charges and to open fraudulent accounts.This is a violation of 15 U.S. Code 1681s-2.

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 2023-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting the following companies have violated my rights XXXX open : XX/XX/XXXX, XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX XXXXXXXX open : XX/XX/XXXX, XXXX XXXX XXXX  XXXX open : XX/XX/XXXX, XXXX XXXXXXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX # XXXX open : XX/XX/XXXX, XXXX  # XXXX open:XXXX XXXX XXXX XXXX  XXXX XXXX open : XX/XX/XXXX XXXX XXXX : date ( s ) - XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
15 u.s.c 1681 section 602 a state I have the rights to privacy 15u.s.c 1681 604 a. Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-04-02 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: MI

Complaint narrative:
In accordance with the fair credit reporting the following companies have violated my rights XXXX open : XX/XX/XXXX, XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX XXXXXXXX open : XX/XX/XXXX, XXXX XXXX XXXX  XXXX open : XX/XX/XXXX, XXXX XXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXXXXXX # XXXX open : XX/XX/XXXX, XXXX  # XXXX open:XXXX XXXX XXXX XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX : date ( s ) - XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
15 u.s.c 1681 section 602 a state I have the rights to privacy 15u.s.c 1681 604 a. Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-04-02 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-04-02 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Navy Federal # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy FCU # XXXX 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 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NE

Complaint narrative:
On XX/XX/23 Cash App closed my account without giving me any of the refunds I requested and didnt tell me why. So I closed that account and made a new one. They say my deposit limit is {$4000.00} and I havent even added {$200.00} to that account yet it blocks me from adding or sending money. They allow scammers to use their app to steal money from people and dont do anything about it. Im starting to wonder if they are part of the scammers stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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 writing to dispute a collection account on my credit report that has been reported by XXXX XXXX XXXX ( account # XXXX ). The original creditor of the account is listed as XXXX XXXXXXXX XXXX. However, I believe that this account is fraudulent and the result of identity theft. 

I have never had any business or financial relationship with XXXX XXXXXXXX XXXX, nor have I ever authorized any transactions or account activity with them. I have also never received any communication or billing statements from them. 

Upon reviewing my credit report, I noticed that this account was listed as a collection account by XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX and requested more information about the account. They were unable to provide any evidence of the debt and could not explain how the debt was incurred. This is further evidence that the account is fraudulent. 

I am requesting that the fraudulent account be removed from my credit report as soon as possible. I have already taken steps to report the identity theft to the relevant authorities, and I have filed a police report to document the crime. I have also contacted the original creditor, XXXX XXXX XXXX, to inform them of the fraudulent activity. 

Please find attached copies of my identification and other supporting documents to assist in your investigation of this matter. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: TX

Complaint narrative:
I am writing to dispute a collection account on my credit report that has been reported by XXXX XXXX XXXX ( account # XXXX ). The original creditor of the account is listed as XXXX  XXXX XXXX. However, I believe that this account is fraudulent and the result of identity theft. 

I have never had any business or financial relationship with XXXX XXXX XXXX, nor have I ever authorized any transactions or account activity with them. I have also never received any communication or billing statements from them. 

Upon reviewing my credit report, I noticed that this account was listed as a collection account by XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX and requested more information about the account. They were unable to provide any evidence of the debt and could not explain how the debt was incurred. This is further evidence that the account is fraudulent. 

I am requesting that the fraudulent account be removed from my credit report as soon as possible. I have already taken steps to report the identity theft to the relevant authorities, and I have filed a police report to document the crime. I have also contacted the original creditor, XXXX XXXX XXXX, to inform them of the fraudulent activity. 

Please find attached copies of my identification and other supporting documents to assist in your investigation of this matter. Thank you for your attention to 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


IDENTITY THEFT ACCOUNTS : XXXX XXXX  XXXX # XXXX - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2021 XXXX XXXX5 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 of 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 2023-04-02 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: TX

Complaint narrative:
I am writing to dispute a fraudulent collection account that has been reported to my credit report by XXXX XXXX XXXX XXXX, doing business as XXXX. The account in question has the account number XXXX and the original creditor listed as XXXX XXXX XXXX. 

I believe that this account is fraudulent and the result of identity theft. I did not open this account or incur the debt associated with it. I have already taken steps to report the identity theft to the relevant authorities and have filed a police report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and remove this fraudulent account from my credit report as soon as possible. I am also requesting that you provide me with written confirmation that this account has been removed from my credit report. 

I have attached supporting documentation to this letter, including a copy of my police report and any other relevant documentation. If you require any further information from me, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/1975

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 2023-04-02 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: TN

Complaint narrative:
In accordance with the fair credit act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXXXXXX XXXX XXXX Account Number XXXX, Account XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
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 explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation