vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: AL

Complaint narrative:
I am writing to formally lodge a complaint against TransUnion for their failure to address multiple unauthorized inquiries appearing on my credit report. Despite repeated attempts to resolve this issue, including sending multiple dispute letters and providing a police report, TransUnion has continued to ignore my concerns and failed to act in accordance with their obligations under federal law. 

Details of the Unauthorized Inquiries : The following inquiries are incorrect and unauthorized : Bank XXXX XXXX : XX/XX/year>, and XX/XX/year> XXXX Bank : XX/XX/year> XXXX  : XX/XX/year> XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX : XX/XX/year> Steps I Have Taken : Police Report : I have filed a police report with XXXX XXXX at the XXXX Police Department, which is included with this complaint as evidence of identity theft or fraudulent activity. 
Dispute Letters to TransUnion : I have sent multiple letters to TransUnion disputing these inquiries, attaching relevant documentation, yet TransUnion has failed to take corrective action or provide a substantive response. 
Applicable Legal Protections : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c-2 : Consumers have the right to block information resulting from identity theft or fraud upon providing proper documentation, such as a police report.

15 U.S. Code 1681i : Credit reporting agencies are required to investigate disputes regarding inaccurate information within 30 days and take appropriate corrective action.

15 U.S. Code 1681b ( f ) : The inclusion of unauthorized inquiries violates the requirement that credit inquiries be permissible under the FCRA.

Resolution Sought : I request that the CFPB intervene to ensure that TransUnion : Immediately remove the unauthorized inquiries listed above.

Conduct a thorough investigation into their lack of compliance with the FCRA.

Provide a detailed response outlining the actions taken to address my dispute.

The presence of these inquiries is adversely affecting my credit score and financial wellbeing. TransUnions continued inaction demonstrates a disregard for their legal responsibilities and my rights as a consumer. 

I trust the CFPB will hold TransUnion accountable and ensure compliance with federal laws. Please contact me if further documentation or information is required.

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 2025-01-07 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: AL

Complaint narrative:
I am writing to formally lodge a complaint against TransUnion for their failure to address multiple unauthorized inquiries appearing on my credit report. Despite repeated attempts to resolve this issue, including sending multiple dispute letters and providing a police report, TransUnion has continued to ignore my concerns and failed to act in accordance with their obligations under federal law. 

Details of the Unauthorized Inquiries : The following inquiries are incorrect and unauthorized : Bank XXXX XXXX : XX/XX/year>, and XX/XX/year> XXXX XXXX  : XX/XX/year> XXXX  : XX/XX/year> XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX : XX/XX/year> Steps I Have Taken : Police Report : I have filed a police report with XXXX XXXX at the Birmingham Police Department, which is included with this complaint as evidence of identity theft or fraudulent activity. 
Dispute Letters to TransUnion : I have sent multiple letters to TransUnion disputing these inquiries, attaching relevant documentation, yet TransUnion has failed to take corrective action or provide a substantive response. 
Applicable Legal Protections : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c-2 : Consumers have the right to block information resulting from identity theft or fraud upon providing proper documentation, such as a police report.

15 U.S. Code 1681i : Credit reporting agencies are required to investigate disputes regarding inaccurate information within 30 days and take appropriate corrective action.

15 U.S. Code 1681b ( f ) : The inclusion of unauthorized inquiries violates the requirement that credit inquiries be permissible under the FCRA.

Resolution Sought : I request that the CFPB intervene to ensure that TransUnion : Immediately remove the unauthorized inquiries listed above.

Conduct a thorough investigation into their lack of compliance with the FCRA.

Provide a detailed response outlining the actions taken to address my dispute.

The presence of these inquiries is adversely affecting my credit score and financial wellbeing. TransUnions continued inaction demonstrates a disregard for their legal responsibilities and my rights as a consumer. 

I trust the CFPB will hold TransUnion accountable and ensure compliance with federal laws. Please contact me if further documentation or information is required.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX have the following information on my account - ACTIVE-DUTY ALERT : I AM CURRENTLY ON ACTIVE MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUTFIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERTWILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 
I am not nor have ever been a veteran. I filed a dispute with Experian requesting that they remove the active-duty alert since i did not put this statement on my account nor have i given anyone permission to add this statement. I was informed that they could not remove the statement. I have contacted, FBI, Justice Dept, FTC, and the VA and was given the same news- They are unable to help me.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: AR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX XXXX, Account # : XXXX - This account is being reported inaccurately, please remove this from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had numerous breach of credit reports an personal information being shared unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I disputed unauthorized inquiries on my credit report with XXXX and TransUnion. These inquiries were not authorized by me, and I requested that the credit reporting agencies investigate and provide proof of authorization, as required under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ). 

However, both XXXX and TransUnion refused to initiate an investigation, stating that I needed to contact the creditors directly, which is incorrect according to the FCRA. Under the FCRA, it is their responsibility to verify the accuracy of the disputed information or remove it if it can not be verified. 

I am requesting that the CFPB ensure these companies fulfill their legal obligation to investigate and remove any unverifiable or unauthorized inquiries 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. 

List of Unauthorized Inquiries : 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 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: 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.

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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MN

Complaint narrative:
About two months ago I received a phone call from IC Systems. The women instantly wanted me to verify who I was.i I asked about what she was calling about but she reused to give me the details about the debt. Then she mentioned something about a hospital bill and I said that was impossible since I am a 100 % XXXX service connected veteran. I asked for a letter that would verify my debt and she said ok then hung up.

I have not received any letter and they continue to call. I was a victim of identity theft and in the past, I was hounded by fake debt collectors and real ones over accounts that were not mine. Because of this I do not give put any of my information unless I know for certain.

If this debt is real, the are breaking the law by not providing one in the 10 days. while continuing to Call me.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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 a personal credit card account opened at XXXX on XX/XX/XXXX an auto loan account opened at Exeter Finance on XX/XX/XXXX. These accounts have resulted in several fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The afore mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports.

This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these accounts in 4 business days.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTN : Credit Reporting Department Credit Acceptance Corporation account : XXXXXXXX XXXX XXXX furnished a transaction as Late to { { XXXX, XXXX XXXX XXXX } pick which CRA the late payment

is on } }. I would like to bring something to your attention. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report. Can you state what law says you have toreport a Transaction as late payment? The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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 ad 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. Consumer : Can you provide me with the tracking number of the periodic statement that was mailed or Delivered 21 days before my payment due date along with all the information required by section 1637 ( 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 explanation
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I noticed i have fraudulent accounts on my credit report. Since they are fraudulent they need to be removed immediately under the FCRA.

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 2025-01-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I noticed i have fraudulent accounts on my credit report. Since they are fraudulent they need to be removed immediately under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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