vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal complaint regarding inaccurate and unlawful reporting of late payments on charged-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates maximum possible accuracy in consumer credit reports.

I. INACCURATE REPORTING Late Payments on Charged-Off Accounts : It is widely established that once an account is charged off, reporting additional late payments is not permissible. Despite this, the aforementioned creditors have continued to report late payments after charging off the accounts. This practice is both inaccurate and misleading.

Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of information included in consumer reports. 

Permissible Purpose : I do not give written consent for XXXX, XXXX, or TransUnion to report these accounts or my personal information further. The reporting of these accounts without my consent constitutes an additional violation of the FCRA, specifically 15 U.S.C. 1681b, which restricts the circumstances under which consumer information may be disclosed.

II. FAILURE TO RESPOND TO DISPUTES I have previously disputed these accounts, and the credit reporting agencies failed to respond within the required 30-day period as stipulated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This non-compliance places your agencies in direct violation of the FCRA. 



XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Credit reporting agencies are liable for failing to ensure maximum possible accuracy of consumer information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reinforces liability for inaccurate reporting under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Agencies must conduct a reasonable investigation upon receiving a dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Establishes consumers right to challenge inaccuracies in credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Agencies duty to investigate disputed items thoroughly.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal complaint regarding inaccurate and unlawful reporting of late payments on charged-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates maximum possible accuracy in consumer credit reports.

I. INACCURATE REPORTING Late Payments on Charged-Off Accounts : It is widely established that once an account is charged off, reporting additional late payments is not permissible. Despite this, the aforementioned creditors have continued to report late payments after charging off the accounts. This practice is both inaccurate and misleading. 

Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of information included in consumer reports.

Permissible Purpose : I do not give written consent for Equifax, XXXX, or XXXX to report these accounts or my personal information further. The reporting of these accounts without my consent constitutes an additional violation of the FCRA, specifically 15 U.S.C. 1681b, which restricts the circumstances under which consumer information may be disclosed.

II. FAILURE TO RESPOND TO DISPUTES I have previously disputed these accounts, and the credit reporting agencies failed to respond within the required 30-day period as stipulated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This non-compliance places your agencies in direct violation of the FCRA. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit reporting agencies are liable for failing to ensure maximum possible accuracy of consumer information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reinforces liability for inaccurate reporting under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXir. XXXX ) : Agencies must conduct a reasonable investigation upon receiving a dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Establishes consumers right to challenge inaccuracies in credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agencies duty to investigate disputed items thoroughly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: NC

Complaint narrative:
Upon checking my Experian credit report 5-6 months ago I notice 3 negative items on my credit report I did not recognize. I contacted them and informed them of such. I didn't recognize the account number, I did not recognize the balance, nor the late payments associated with the account. Everything reported does not meet the FCRA ( 15 USC 1692 ( g ) -Validation of Debt ). 
It is showing on my credit report that this/accounts were charged off. If it was charged off by the company ( even though I have been disputed ) then the company has written it off then they should have sent me a 1099c ( which was never sent to me ). Nor should it be reporting a balance. 
The following are the negative items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TransUnion and all 3rd party unauthorized credit reporting agencies.

Subject : Request for Deletion of Credit Report Dear XXXX XXXX, XXXX, TransUnion and all 3rd party unauthorized credit reporting agencies.

I am writing to formally request the deletion of my credit report due to multiple security breaches and the lack of any active lines of credit under my name. I have experienced five security breaches, including incidents involving XXXX, for which I have received settlements. Additionally, I was affected by a recent credit breach from XXXX XXXX XXXX. 

According to the data breach website, my Social Security number and personal information have been compromised by these companies. Given this information, my credit report should have been locked, and there should be no listings or open lines of credit. I have not had any credit accounts for over five years, and due to health issues, I am no longer driving, further reducing my need for credit. 

Furthermore, I request the immediate detection of my credit report to prevent any unauthorized access and the removal of my information from all third-party pre-approval lists. I believe that all three credit bureaus ( XXXX, XXXX, and TransUnion ) should have refrained from sharing my information without my consent. 

I also request the deletion of any and all unauthorized information on my report, including but not limited to addresses, phone numbers, income, and any charge-offs. It is essential that my credit report reflects only accurate and authorized information. 

Additionally, I want to bring to your attention the recent lawsuit settled in XX/XX/year>, which held credit reporting agencies accountable for mishandling consumer data. This settlement further underscores the need for the protection of consumers ' personal information and reinforces my request for the deletion of inaccurate information from my credit report. 

Please be advised that under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the deletion of any inaccurate or unverifiable information. Failure to comply with my request may result in a fine of up to {$1000.00} as stipulated by relevant laws.

I kindly ask that you investigate this matter and provide written confirmation of the deletion of my credit report. Please let me know if you require any additional documentation to support my request. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX, XXXX and all 3rd party unauthorized credit reporting agencies.

Subject : Request for Deletion of Credit Report Dear CFB Experian, XXXX, XXXX and all 3rd party unauthorized credit reporting agencies.

I am writing to formally request the deletion of my credit report due to multiple security breaches and the lack of any active lines of credit under my name. I have experienced five security breaches, including incidents involving XXXX, for which I have received settlements. Additionally, I was affected by a recent credit breach from XXXX XXXX XXXX. 

According to the data breach website, my Social Security number and personal information have been compromised by these companies. Given this information, my credit report should have been locked, and there should be no listings or open lines of credit. I have not had any credit accounts for over five years, and due to health issues, I am no longer driving, further reducing my need for credit.

Furthermore, I request the immediate detection of my credit report to prevent any unauthorized access and the removal of my information from all third-party pre-approval lists. I believe that all three credit bureaus ( XXXX, Experian, and XXXX ) should have refrained from sharing my information without my consent. 

I also request the deletion of any and all unauthorized information on my report, including but not limited to addresses, phone numbers, income, and any charge-offs. It is essential that my credit report reflects only accurate and authorized information. 

Additionally, I want to bring to your attention the recent lawsuit settled in XX/XX/year>, which held credit reporting agencies accountable for mishandling consumer data. This settlement further underscores the need for the protection of consumers ' personal information and reinforces my request for the deletion of inaccurate information from my credit report. 

Please be advised that under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the deletion of any inaccurate or unverifiable information. Failure to comply with my request may result in a fine of up to {$1000.00} as stipulated by relevant laws.

I kindly ask that you investigate this matter and provide written confirmation of the deletion of my credit report. Please let me know if you require any additional documentation to support my request. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: MS

Complaint narrative:
I received notice that you verified certain items on my credit report from the following companies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 

Supply your response within 15 days or delete the trade-lines.

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 2024-12-15 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:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove 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 2024-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I was placed on XXXX, then pay cut off within the month after being hosptialized for 6 days, then was terminated from XXXX XX/XX/year>. 

I have tried multiple times to withdraw all my funds from Optum Financial for XXXX and XXXX as I continue to pay for my own health care out of pocket. 

I have received no funds it says processed but nothing has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had a American Express credit card that the first month of nonpayment is XXXX 2017. With the FAIR CREDIT REPORTING ACT seven years from the first month the account becomes delinquent that account should be off my credit report. It has passed 7 years and it is still there. I would like this item to be removed from all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: AR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX, Acct Number XXXX, XXXX {$1200.00} XXXX XXXX, Acct Number XXXX, XXXX {$680.00} XXXX XXXX Acct Number XXXX, XXXX {$120.00} XXXX  XXXX, Acct Number XXXX, XXXX {$250.00}

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 2024-12-15 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX 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 XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX 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 XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation