vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I XXXX XXXX XXXX, recently acquired a credit report from XXXX and Transition on XX/XX/2024 and Noticed the statements are incomplete and inaccurate in accordance to the Fair Credit Reporting Act. 

Whereas, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

These accounts XXXX XXXX XXXX XXXX, Account # XXXX, are not complete and accurate according to 15 U.S.C . 1681 having permissible purpose nor is it stated in either of the reports therefore is null and void and shall be deleted and reports shall be updated immediately. 

These accounts XXXX XXXX XXXX, Account # XXXX, are not complete and accurate according to 15 U.S.C. 1681 having permissible purpose nor is it stated in either of the reports therefore is null and void and shall be deleted and reports shall be updated immediately. 

XXXX XXXX XXXX XXXX, Account # XXXX, reflects that the account was paid in full and closed with a {$0.00} balance yet reflects and late payment. The report shall reflect all positive reporting and not a negative nor derogatory statement on a closed account that's still apparently open as the status is currently being updated. Therefore, the reporting incorrectly date of last payment is not correct, this account is not accurate and shall be deleted immediately. 

XXXX XXXX XXXX, Account # XXXX, reflects that the account was paid in full and closed with a {$0.00} balance yet reflects and late payment. The report shall reflect all positive reporting and not a negative nor derogatory statement on a closed account that's still apparently open as the status is currently being updated. Therefore, the reporting incorrectly date of last payment is not correct, this account is not accurate and shall be deleted immediately.

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 2024-06-07 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX after seeing that you are not in the interest of compliance with any of the federal regulations that govern your industry be aware that I am filing a lawsuit against your company for violating the law of the FCRA and refusing to provide any further cooperation in this case regarding the identity theft in the checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX after seeing that you are not in the interest of compliance with any of the federal regulations that govern your industry be aware that I am filing a lawsuit against your company for violating the law of the FCRA and refusing to provide any further cooperation in this case regarding the identity theft in the checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio recovery, a debt collection agency, could not provide the original contract from the original company. They are misrepresenting themselves as the original company. They are reporting that these are open accounts. They have not proven that these accounts are mine. They have dismissed my report of identity theft. 


PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$5600.00} Open balance PORTFOLIO RECOVERY Original creditor XXXX Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Dispute resolved; customer disagrees PORTFOLIO RECOVERY PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$5800.00} Open balance PORTFOLIO RECOVERY Original creditor XXXX Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Dispute resolved; customer disagrees PORTFOLIO RECOVERY PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$6200.00} Open balance PORTFOLIO RECOVERY Original creditor XXXX Opened Account status Type Responsibility Remarks Original creditor name XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open - Individual Dispute resolved; customer disagrees PORTFOLIO RECOVERY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of identity theft and fraud. Unfortunately there were several accounts opened up under my name. SYNCB has made a mistake and they have me blocked from opening up accounts with their company.

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 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information 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 non-monetary relief
Consumer complaint received 2024-06-07 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 was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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:
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: PA

Complaint narrative:
It seems FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed have inaccuracies in reporting, including incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: PA

Complaint narrative:
According to my understanding, FCRA 605B obligates us to eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the listed accounts contain reporting errors, with inaccurate amounts and dates.

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 2024-06-07 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: PA

Complaint narrative:
I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you please examine the documents? There are some inaccuracies in the listed accounts, including wrong amounts and dates.

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 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX Failed to send me Proof of Signed Agreement To Pay Them anything and They Continue to Send documents or Government Mail to Places I DON'T LIVE that Breaches My PRIVACY AND SECURITY That Needs To STOP They Were Taken Off Of My XXXX and THEY NEED TO STOP REPORTING TO ALL CREDIT AGENCIES STOP TRACKING AND HARRASSING ME IT's Their Responsibility To Sent The Proof Not For ME TO GIVE THEM MY SIGNITURE OR ANY ID TO Compare anything to They Had my Address from The CFPB yet they continue to send my information to Delaware that is a whole different State.

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 2024-06-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX Failed to send me Proof of Signed Agreement To Pay Them anything and They Continue to Send documents or Government Mail to Places I DON'T LIVE that Breaches My PRIVACY AND SECURITY That Needs To STOP They Were Taken Off Of My XXXX and THEY NEED TO STOP REPORTING TO ALL CREDIT AGENCIES STOP TRACKING AND HARRASSING ME IT's Their Responsibility To Sent The Proof Not For ME TO GIVE THEM MY SIGNITURE OR ANY ID TO Compare anything to They Had my Address from The CFPB yet they continue to send my information to Delaware that is a whole different State.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: GA

Complaint narrative:
Despite our previous attempts, I regret to inform you that these issues still persist on my record. I kindly request that you prioritize the investigation and removal of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items shoild be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}.

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 2024-06-07 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: MO

Complaint narrative:
TransUnion credit bureau has not updated my credit report since XX/XX/year>. Ive disputed inaccurate things on my credit report in XXXX and the disputes or still open and my credit report has not changed. There are accounts thats closed still reporting as open. The balance on some accounts are still havent been updated

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 2024-06-07 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:
According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you examine the documents? Several listed accounts have errors in the reporting, including wrong amounts and dates.

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 2024-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had worked in XXXX, I had direct deposit w Truist going into my savings. Thus year I had direct deposit, not realizing they were going to my closed savings acct. in XX/XX/XXXX. So my first two checks ended up in my checking account, somehow. Now since XX/XX/XXXX I have 4 checks go unaccounted for XX/XX/XXXX, XXXX, XX/XX/XXXX, & XXXXI have since closed checking. For 2 weeks I've been told by many people at Truist, they didn't know where the money went, until XX/XX/XXXX. I was told they took my paychecks to put towards my credit card. I was never informed by anyone at Truist, 1st that my savings had been closed or that they were taking my money for the credit card, they offered me no documents, receipts nothing. I had to go to 4 banks, no managers, many customer service reps. No answers. I have hit rock bottom not receiving that little bit of money. I am a XXXX XXXX XXXX XXXX I've lost my car insurance, can't get to XXXX XXXX, pay copay 's .... is this a proper practice taking my money without my knowledge?

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 2024-06-07 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-07 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: GA

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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-06-07 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief