vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-08-08 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:
Your agency is in violation! 
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. 
Delete this at once!

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Un authorized inquiries XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Un authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX via dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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 2024-08-08 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Accounts was not verifed, I never received an updated credit report. I was not notifed of any method used. Payment method was not verified, false information is on 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 2024-08-08 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Accounts was not verifed, I never received an updated credit report. I was not notifed of any method used. Payment method was not verified, false information is on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: PA

Complaint narrative:
Im the consumer in which this debt is arising from. I know my rights & who I am I understand that I have been mislead & lied to by this debtor. I also understand that I am the creditor of this consumer transaction in which this debt is arising and I understand that I need to be compensated for these damages listed below. 

To whom it may concern XXXX XXXX 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows Trans Union, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated.

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 2024-08-08 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Im the consumer in which this debt is arising from. I know my rights & who I am I understand that I have been mislead & lied to by this debtor. I also understand that I am the creditor of this consumer transaction in which this debt is arising and I understand that I need to be compensated for these damages listed below. 

To whom it may concern Syncb/PPC XXXX 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated.

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 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I was pursuing the purchase of a brand new XXXX XXXXXXXX XXXX XXXX sport. I was told to wire the money from my State Employees Credit Union of North Carolina to XXXX XXXX XXXX in Maryland. This occurred and I was supposed to receive my XXXX on Monday XXXX the XXXX. Unfortunately, it's not arrived and all means of contact have been eliminated. Thus it's an obvious cade of fraud. Unfortunately I'm out almost {$10000.00} I'm trying to recover my money but no one seems to want to offer support. I've reported it to both banks, sought help with both banks and I've gotten nowhere. I've also contacted the XXXX XXXX Sheriffs Office and filed a policy report, but again I'm no closer to getting my money back. I'm seeking support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: PA

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 : XXXX - XXXX XXXXXXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: LA

Complaint narrative:
There are SEVERAL discrepancies that are on my credit reports that I have already attempted to dispute with no resolution. The agencies are in clear violation of my rights as per the Fair Credit Reporting Act under 15 USC 1681 section 602 which states I have the right to privacy and accuracy. 15 USC 1681 section 604 ( a ). Significant amount of time has been provided with no results in corrective measures. The agencies are falsely reporting inaccuracies which is a violation of FEDERAL LAW. I am now reaching out to you for help and to hold the agencies accountable for their lack of urgency in this matter. The agencies are in violation of several federal laws! At this moment I am DEMANDING my report be updated with accurate information from this moment. The following are the accounts in question along with the personal information that I have previously requested to be removed. 
PERSONAL INFORMATION : I have ONE last name and requested all others be removed along with the inaccurate addresses that are listed as well. 
ACCOUNTS OF INACCURACY : 15USC 1666B ( a ) ( b ) AND 15 USC 1637a ( a ) : all late payments need to be promptly removed 18 USC 3282 : several accounts are outside of the Statute of Limitations including ALL student loan from " Dept of EducationXXXX '' " closed '' accounts, " XXXX XXXX '' is over 10 years old. 
15 USC 1962 : all collection accounts need removal 15 USC 1601 : all charge-off accounts are to be removed 15 USC 1602 ( p ) : all hard inquiries are to be removed 15 USC 1681 ( b ) 2 : ALL of the accounts that have been NEGATIVELY reported have NOT received my WRITTEN consent is actually considered identity theft 15 USC 1637a ( a ) : " XXXX/DEPT of ED '' has increased the amount due along with adding late fees to the balance and there has NEVER been written consent to even sell my accounts much less increase the balance to the what it is currently relfecting. 
FCRA Section 623 : all of the disputes I have made has not been reported on my report, FCRA Section 605 ( c ) : instead of correcting the issues on several accounts, the agencies have " re-aged '' several old accounts.

15 USC 1692 : several accounts have been illegally sold to collection agencies including one labeled " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', " XXXX XXXX XXXX XXXX '', and " XXXX XXXX XXXX ''. 
Your prompt attention to this urgent matter is greatly appreciated in order to have resolution to the clear FEDERAL violations that are occurring by all 3 reporting credit agencies.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are SEVERAL discrepancies that are on my credit reports that I have already attempted to dispute with no resolution. The agencies are in clear violation of my rights as per the Fair Credit Reporting Act under 15 USC 1681 section 602 which states I have the right to privacy and accuracy. 15 USC 1681 section 604 ( a ). Significant amount of time has been provided with no results in corrective measures. The agencies are falsely reporting inaccuracies which is a violation of FEDERAL LAW. I am now reaching out to you for help and to hold the agencies accountable for their lack of urgency in this matter. The agencies are in violation of several federal laws! At this moment I am DEMANDING my report be updated with accurate information from this moment. The following are the accounts in question along with the personal information that I have previously requested to be removed. 
PERSONAL INFORMATION : I have ONE last name and requested all others be removed along with the inaccurate addresses that are listed as well. 
ACCOUNTS OF INACCURACY : 15USC 1666B ( a ) ( b ) AND 15 USC 1637a ( a ) : all late payments need to be promptly removed 18 USC 3282 : several accounts are outside of the Statute of Limitations including ALL student loan from " Dept of EducationXXXX '' " closed '' accounts, " XXXX XXXX XXXX is over 10 years old.

15 USC 1962 : all collection accounts need removal 15 USC 1601 : all charge-off accounts are to be removed 15 USC 1602 ( p ) : all hard inquiries are to be removed 15 USC 1681 ( b ) 2 : ALL of the accounts that have been NEGATIVELY reported have NOT received my WRITTEN consent is actually considered identity theft 15 USC 1637a ( a ) : " XXXX/DEPT of ED '' has increased the amount due along with adding late fees to the balance and there has NEVER been written consent to even sell my accounts much less increase the balance to the what it is currently relfecting. 
FCRA Section 623 : all of the disputes I have made has not been reported on my report, FCRA Section 605 ( c ) : instead of correcting the issues on several accounts, the agencies have " re-aged '' several old accounts.

15 USC 1692 : several accounts have been illegally sold to collection agencies including one labeled " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', " XXXX XXXX XXXX XXXX '', and " XXXX XXXX XXXX ''. 
Your prompt attention to this urgent matter is greatly appreciated in order to have resolution to the clear FEDERAL violations that are occurring by all 3 reporting credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I initiated a freeze on all three credit bureaus on XX/XX/XXXX. However, XXXX has not complied with my request to block these hard inquiries. I've contacted the companies that tried to access my credit report, but they have rejected my requests. Moreover, I've been receiving mail from these companies regarding pre-approved credit cards. I've called the companies to ascertain why someone is attempting to access my account and asked them to notify the credit bureaus that I did not apply for any credit cards. 

The companies listed below are associated with hard inquiries that need to be removed from my XXXX Credit Report : Comenity Bank/VSMC - XX/XX/XXXX. 

I have never opened an account with Comenity Bank Victoria 's Secret. I have attempted to contact Comenity Bank Victoria 's Secret, but the staff repeatedly disconnects the call, making it difficult to communicate with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: WI

Complaint narrative:
CashApp will not close an account that was fraudulently created in my name without having me submit card details to a third party website managed by Square. The company refuses to transfer me to someone who can close the account manually or provide information on how the account was opened in the first place. The issuer XXXX XXXX  also refuses to assist in closing the account and would not allow me to transfer to a security department either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights t

o privacy and confidentiality under 15 USC 1681. I told Experian to reinvestigate this acco
unt, Account XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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