vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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 am submitting this complaint against TransUnion for repeatedly reporting an account on my credit report that is not mine and failing to resolve the issue despite multiple disputes. 

Background : 1. Disputed Account Details : Account Name : XXXX XXXX XXXX XXXX Account Number : Not listed on report 2. Over the past year I have disputed this account multiple times with TransUnion. Each time, the account is removed temporarily, only to reappear after a few months.

3. I have contacted the company associated with this account, and they have confirmed that they do not have a record of me in their system. Despite this, TransUnion continues to report the account as accurate and verified.

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Properly Investigate : TransUnion has failed to conduct a thorough investigation into my disputes.

Reinsertion Without Notification : TransUnion has reinserted the account without proper notification, violating FCRA guidelines.

Steps Taken : 1. I have filed disputes with TransUnion, and the account was initially removed but later reappeared.

2. I have obtained a statement from the original creditor confirming they have no record of me.

3. I have requested the method of verification from TransUnion, but they have not provided satisfactory evidence.

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 2024-12-02 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:
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 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 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 2024-12-02 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: GA

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach that has resulted in fraudulent activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following fraudulent accounts and hard inquiries from my credit report immediately. 
XXXX Accounts XXXX. XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX {$39000.00} XXXX. XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX {$560.00} XXXX XXXX XXXX  ( Account # XXXX ) Opened : XX/XX/XXXX {$240.00} XXXX. XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX {$170.00} Fraudulent Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I received a credit alert through the application XXXX XXXX that there was a hard inquiry placed on my Amazon Synchrony Bank. I do not know if a bank account has been opened with this institution. When I called the customer service line for Amazon Synchrony Bank, they could not help me due to it being the weekend.

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 2024-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a high interest savings account with CitiBank. My understanding of the terms to keep the account active included making periodic payments into the account. I attempted to access the account and learned the account was in inactive status despite having made additional deposits into the account. When I contacted the customer service center they were unable to verify my account because I didn't have access to the associated ATM card. Finally after speaking with a manager they were able to verify my account and provided me with instructions on how to regain access to the account with required sending a letter with a specific statement asking for the account to be re-activated. I sent the letter on XXXX XXXX and the account remains inactive and I am unable to access my funds. I contacted the customer service center again today and was instructed that their system was going on reboot and that they were unable to help me and that I would need to call them back in 30 minutes.

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 2024-12-02 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: Ava Finance, Inc
State: SC

Complaint narrative:
I am going to list several information confirmation that Ive always had money in my account. Its been an ongoing process. The only reason I have not decided to not do business with them because I know that it affects my life as it is going out. I work extremely hard in my life as well as work extremely hard on my credit to fix it from past mistake trying to help some one else XXXX XXXX  I have documentations that will show proof in accurate information. I also have additional information if needed for other parties to confirm that auto pay, which would be XXXX XXXX XXXX  can confirm with their policies if there has not been any funds the funds would always be covered also can verify that money always all XXXX my accounts and that auto pay has no dysfunctions to be received. XXXX  receipts can verify auto pay as well for the past XXXX months and all-time payments now what time we had discussed and rearrange any payments according to AVA, this was a personal decision that was made based on race XXXX XXXX, discrimination, and defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
Subject : Dispute of Inaccurate Information EXPERIAN Consumer Report Dear EXPERIAN, I am writing to dispute inaccuracies, late payments, and unauthorized inquiries appearing on my EXPERIAN consumer report. I believe these discrepancies may result from reporting errors or unauthorized access to my personal information, potentially linked to the recent national data breach affecting credit-related institutions. I request a thorough investigation into these matters and immediate corrective action. 
Disputed Accounts and Late Payments : XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiries : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverifiable information on my report. Furthermore, under 15 U.S.C. 1681e ( b ), EXPERIAN has an obligation to ensure the maximum possible accuracy of information reported. Late payments that can not be verified as accurate or authorized must be deleted from my file. Attached is my attached EXPERIAN consumer report. 
Thank you for your attention to this urgent matter. I request written confirmation upon completion of your investigation and corrective actions. 
Sincerely, 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding improper and inaccurate reporting by Experian Credit Bureau on my credit report. Despite multiple disputes, Experian has failed to accurately reflect the payment history and account details for an account associated with XXXX XXXX. The derogatory reporting of " CO '' ( charge-off ) and " Repossession '' is inaccurate, there are also late payments that are reporting inaccurately and does not align with the account 's true status. XXXX and XXXX have already removed the account. 

Please note, I am in direct communication with XXXX XXXX and they have confirmed Experian is reporting the account incorrectly.

This inaccurate reporting is a violation of 15 U.S. Code 1681e ( b ), which requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of consumer information. These inaccuracies have caused significant financial hardship, including credit denials, due to the derogatory impact on 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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
ACCOUNT XXXX XXXXXXXX debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX and XXXX XXXX XXXX. Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just XXXX big inconvenience.I 'm outta here. This ACCOUNT XXXX XXXXXXXX and anything else you have under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TFC Credit Corporation of California
State: OH

Complaint narrative:
XXXX XXXX XXXX CONTINUE TO REORT INACCURATE AND INCOMPLETE INFORM, ATION ON MY CREDIT REPORT. I recently requested a investigation and a reinvestigation into an account that is reporting. I have no knowledge of this account TFC CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX that is reporting. 
I'm seeking proof of the alleged debt under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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 have multiple fraudulent and inaccurate accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ). These accounts are false and falls under XXXX according to XXXXDebt 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 of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this affidavit to address the unauthorized reporting of two accounts appearing on the consumer credit report under the names XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The continued use of the information without my explicit written consent constitutes fraud, as defined under federal law, I have written previous CFPB complaints to Experian that they do not have my consent to report these accounts and any further use and reporting of this unauthorized information escalates to identity theft under the provisions of the Fair Credit Reporting Act ( FCRA ).

Pursuant to Title 15 1681b ( FCRA Section 604 ), consumer reporting agencies are strictly prohibited from furnishing or maintaining consumer reports without explicit authorization or a permissible purpose. The unauthorized reporting of these accounts is in direct violation of these requirements. Furthermore, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to request the immediate removal of any fraudulent or unauthorized accounts from the consumer credit report to protect the integrity of the consumers identity. 

The accounts listed below are fraudulent and unauthorized : XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX These accounts must be removed immediately to comply with federal law and to prevent further violations. The continued reporting of this information constitutes both fraud and identity theft, ( according to the FCRA this must be removed within four days ) for which both the credit reporting agency and any entity furnishing such information may be held liable under 15 U.S.C. 1681n for willful non-compliance.

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 2024-12-02 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: MA

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 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 2024-12-02 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am filing a complaint regarding XXXX  inconsistent and inaccurate reporting of my account across multiple credit bureaus. Specifically : 1. On some credit bureaus, the account is reported as Paid as Agreed, Never Late, while on others, it is reported as a Collection.

2. There are discrepancies in the reported amount owed, account status, and other key details, such as missing information or differing dates.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent reporting. The inaccurate reporting negatively affects my creditworthiness and causes confusion. 



I request that XXXX and the credit reporting agencies correct these discrepancies to ensure uniform and accurate reporting across all bureaus. Attached, I have provided : 1. Copies of credit reports showing the discrepancies.

2. Any available documentation supporting my case.

I request the CFPBs assistance in resolving this matter and ensuring compliance with the FCRA. Please confirm receipt and provide updates as the investigation proceeds.

Thank you for your attention to this issue.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, 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 these account. Actually I am not sure that the accounts are even mine though your company claims to have verified these. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2024-12-02 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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