vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: NV

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX  Balance Owed : {$5700.00} XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NV

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX************** Balance Owed : {$5700.00} XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX Data Attacks. The derogatory information reflected in my credit report maintained by Trans Union under my Social Security number. As a victim of identity theft and the XXXX Data Breach ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed XXXX multiple times that the entries below are erroneous and fraudulent. 
Fraud Account : XXXX XXXX XXXX ; # XXXX ; Balance : {$26000.00} ; Open : XX/XX/XXXX Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Trans Union to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. 
Failure to comply with the FCRA and other applicable laws may result in legal action, as seen in cases such as XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ). Additionally, I reserve the right to report Trans Unions non-compliance to the following agencies : Consumer Financial Protection Bureau ( CFPB ) ; Federal Trade Commission ( FTC ) ; Attorney General of North Carolina.

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 2025-01-10 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: T.S. Holdings
State: NY

Complaint narrative:
Hi, I have a negative credit report on my record in which it states joint with XXXX XXXX 
Its about the stay at the address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX When i left i paid all my dues and cancel the lease, As it was joint lease XXXX XXXX was staying there with her BF. Assume that she didnt pay and her due payments went on joint report. 
I have called the company and requested them if they sent me any letter about it or any email. They person didnt answer as he was un aware. I also inquired if my lease was cancelled or not when i paid all he had no clue. 
Please, help me to get this negative report removed from my score. 
XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
In XXXX of 2024 I received a notice on my credit report stating that I owe {$1000.00} to XXXX XXXX, a company based in Texas. I live in Illinois and have never lived outside of Illinois. I disputed it with XXXX and they removed in from my credit report without a problem, because *literally everything in my name that is registered to me* is registered Illinois. Anyone with half a brain would be able to figure out that this bill isn't mine after looking at everything else on my credit report. 

This same energy bill for {$1000.00} had recently popped up on my Experian report. I disputed it with the same argument, but " after they had done their research, '' they claim that the report is accurate. I had disputed it with Experian again suggesting they get it removed before I take further action, and they still seem to believe someone who has never lived outside the state of Illinois would have an energy bill in Texas. 

So, before I take further steps to file an identity theft claim and just simply not pay this bill that is very obviously not mine, I would like to have it removed 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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
I have called XXXX multiple times to have them validate the debt, provide me with all paperwork to show they attempted to collect, send me all original paperwork that shows I owe the debt. I have received nothing. I have also disputed this through XXXX XXXX to no avail. Nothing has been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have attached the settlement email I received today, even though XXXX has been paid in full per the settlement agreement as of XX/XX/XXXX. I have highlighted key points in the agreement which are being violated, since XXXX has been paid in full, per the agreement. I have also attached my bank transactions that have cleared. I have attached the credit report updated on XX/XX/XXXX, where inaccurate information has been reported, again. I have filed another CFPB complaint number XXXX against XXXX with this complaint, due to new information came in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been getting frequent calls daily from debt several different companies ( or scammers ) offering debt loans relief, student loan relief, underwriting teams (? ), debt collection agencies that wont tell me who they represent. My checking account was compromised twice in 2024. My data was leaked to the dark web, according to my credit report. And my payments were delayed ( late ) because of this which had a domino effect. My credit score went down XXXX points. I believe due to the major data leak in XXXX, all of my personal information was used against me. I have not been able to bring my credit score up because the damage was major. It is an FCRA violation ; my information was not protected and I can not account for people using my identity, increasing debt, and negatively impacting my credit score.

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 2025-01-10 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. XXXX XXXX - XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$5000.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$670.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. I dispute the missed payments and late payments on this account. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$6200.00}. XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX with a balance of {$250.00}. XXXX XXXX XXXX  and a balance of {$2000.00}. XXXX XXXX XXXX with a balance of {$1000.00}. Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX from XXXX on XX/XX/XXXX. Inquiry from XXXX XXXX on XXXX from XXXX on XX/XX/XXXX. These accounts have resulted several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 aforementioned 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 # ( private case number ) 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 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 2025-01-10 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: DISCOVER BANK
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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 dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX, XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated 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 non-monetary relief
Consumer complaint received 2025-01-10 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: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
My information was leaked in a data breach. My information was sold to different companies. So many unauthorized inquiries on my credit. Repeat creditors on my credit. Cards that I have never in my life had.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: SUNCOAST CREDIT UNION
State: AZ

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank is contacting me regarding an alleged debt that I am currently disputing its validity. They are calling repeatedly multiple times a day on several phone numbers that they have registered. On XX/XX/year> I have requested a cease and desist of all communication and yet I am still receiving multiple calls per day from an automated calling system. Even when I answer the the phone it is simply a message requesting me to contact them. 

Upon contacting Synchrony I am speaking with call center representatives in XXXX who simply refuse to properly address the concern that I am having. I am constant receiving calls from ( XXXX ) XXXX and need this to stop immediately. 

I am also looking to file a lawsuit regarding the repeated calls despite the fact that I have requested a cease and desist order on two separate occasions.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable account is 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