vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: 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 ACCT # XXXX, XXXX XXXX  XXXX ACCT # XXXX. XXXX  XXXX XXXX XXXX ACCOUNT # XXXX. XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish 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 2024-09-15 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my report. The remarks have been detrimental to my life and credit health.

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 2024-09-15 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my report. The remarks have been detrimental to my life and credit health.

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 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Company has been asked to match investigate and remove fraudulent remarks on account. Company refused on numerous occasions violation consumer rights but failing to investigate for the past 12 months repeatedly. Attached is XXXX credit report with all fraudulent remarks non present. Company was walked to update account to match XXXX company refused. Company was asked to investigate fruad and remove files. XXXX refused. Company was called over the phone and requested to remove files, company refused, company was mailed letters certified mail and requested to remove fraud accounts, company refused. Company has consumer time and money by failing to investigate issues even when provide with resources. As stated attached is my one and only correct credit file up to date. Company has continuously reported fraud accounts with malicious intent and lack of regard for user

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 2024-09-15 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: MS

Complaint narrative:
On XX/XX/24 my bank sent an alert that my credit score had dropped by XXXX plus points. I logged in to TransUnion Credit Bureau and my student loan from XXXX was listed twice. I did a dispute with transunion. I have also tried to contact XXXX today, XX/XX/24 with no results.

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 2024-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX, XX/XX/year> and so on this company has emailed numerous times trying to collect a debt in which I have never made any agreement nor a contract with such company. in which I believe this a company that bought my information from " XXXX XXXX XXXX " I would like this company or organization to stop contacting me, and remove all information of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please Help Me Fix This I have been instructed by my advisor to write a letter to you since I am a Survivor XXXX XXXX XXXX 

I am in a desperate need to fix this problem since I am trying to get my life back together after being involved in XXXX XXXX. 

The Accounts that I put below are due to XXXX XXXX  : Please remove these accounts so I can start taking steps to getting my life back together. Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNTS THAT ARE FRAUD DUE TO XXXX XXXX  : XXXX. XXXX XXXX XXXX / XXXX XXXX - Fraudulent Account Opened XX/XX/year> Account Balance : {$0.00} XXXX. XXXXFraudulentAccountAccount Balance : {$1500.00} XXXX. -XXXXFraudulentAccountAccount Balance : {$0.00} XXXX. XXXXFraudulentAccount-Account Balance : {$0.00}. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, 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 2024-09-15 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: FL

Complaint narrative:
Is 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 FAIR XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 A.states I have a right to privacy.

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. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 2024-09-15 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: FL

Complaint narrative:
Is 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 FAIR XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 A.states I have a right to privacy.

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. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 2024-09-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request an investigation into the actions of Experian, which has included negative information reported by banks, credit card entities, and third-party debt collection agencies, on my credit file. This occurred without my consent, as I have never signed any application or contract authorizing this agency to report such information. I have constantly requested proof of a signed application or contract, along with a copy of my valid drivers license, but neither Experian nor the reporting agency has provided any evidence to support their claim. This raises significant concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ), specifically related to the permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has negatively impacted my credit score and financial standing, causing undue hardship. Under the FCRA, a permissible purpose is required for any entity to access or report credit information, and I have not given any such authorization to Experian. I respectfully request that the CFPB investigate this matter, ensure that Experian is held accountable for their failure to comply with FCRA regulations, and take the necessary actions to have the inaccurate and unauthorized information removed from my credit report 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 explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-09-15 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: FL

Complaint narrative:
I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I am filing a complaint against experian for reporting inaccurate inconsistent fraudulent information as me being a victim of idenity theft/data breach I am attaching a ftc report XXXX XXXX as proof.under 15usc1681 c-2 ( a ) they must block/delete these fraudulent accounts within 4 business days of receiving this complaint.acount # XXXX XXXX  acount # XXXX balance {$26000.00} opened on XX/XX/XXXX acount # XXXX acount # XXXX balance {$1400.00} opened on XXXX acount # XXXX XXXX XXXX # XXXX balance {$170.00} opened on XX/XX/XXXX and acount # XXXX acount # XXXX balance {$63.00} opened on XXXX XXXX please block/delete these accounts within 4 business days pursuant to 15 usc1681 c-2 ( a ) victim of idenity theft/fraud please send me an updated credit report reflecting these accounts removed to XXXX XXXX XXXX st. XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-09-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I bought VISA Vanilla card for {$500.00} I kept the card in my house for emergency, This month I opened the jacket of the card and try to use it at XXXX. I found that the card was compramized and {$410.00} was stolen from it. no vender or any one have the card numbers except me and the vanilla card. this mean some one inside the company compromised my card ( internal theft ). I report the information to the card and they opened a case for me # XXXX ane then I filled all the forms needed after investigation they told me that the tranaction involoved in the theft is too old to ivestigate. when I bought the card expiration date XX/XX/year> I kept the card for emergency, when I want to use it they told me there were 3 transaction by the same vender processed last year, which I have no relation to this vender which was online vender. 
I am XXXX years old and I never used any on line transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: WI

Complaint narrative:
My student loans ( XXXX XXXX XXXX XXXX ) from XXXX and XXXX XXXX were serviced by XXXX. For years I had issues being able to get into a payment plan that worked with my situation. I was always told to enter forbarence FOR YEARS. This occurred for years before the pandemic and my loans were eventually moved to aidevantage. My loans, due to XXXX  telling me to enter forbarence, have now accrued so much interest and now trying to pay back my loans is impossible and my payments for an IDR plan are ridiculous. I need to be in an IDR plan to qualify for my PSLF. So because of XXXX  my loans have accrued so much interest, its delayed my PSLF ( which XXXX knew I qualified for ), and now my IDR payments are not affordable due to the balance of the loan. This has caused financial turmoil for my family, affected our debt to income ratio, gave us trouble years ago buying our first home, and leaving me and my family struggling.if XXXX  would have offered me a IDR plan ( then never offers it ) my loans would have already been forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying for almost 2 years to access my Trans Union report with no results. I have been told I had to pay ( which I did ) after paying for the monthly subscription I was still unable to get any information. I have been told to wait on the escalation department to resolve it and to date nothing has happened. Its my right and responsibility to ensure my report is being reported correctly and they are stopping me. I have submitted everything they asked to verify my identity and still getting the same error.

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 2024-09-15 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: TX

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX 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 human trafficking fo of Debt XXXX and would like for all listed account to be block and deleted company information Transunion. Please delete the following accounts. Acct- XXXX XXXX XXXX XXXX Acct- XXXX XXXX XXXX XXXX XXXX Acct- 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