vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-06 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2024-12-06 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
Dear XXXX Representative, I am writing to formally lodge a complaint against XXXX, a First Advantage Company, regarding your handling of my personal data, which has caused me significant harm. 

Your company has reported false information about me, information that is not guaranteed accurate by the court system. When I requested access to the sources of this information, I was met with refusal, leaving me unable to verify or challenge its validity. This reckless reporting appears driven by profit, disregarding the consequences to individuals like me. As a result, your actions have cost me a job, caused embarrassment, and tarnished my reputation. 

Despite following your dispute resolution process, I have received conflicting and unhelpful responses. Initially, I submitted a dispute letter as instructed, only to receive an email acknowledging the inaccuracy and asking what I wanted done. It is clear that the only reasonable resolution is to remove the false information from your records and correct it with your client. Yet, I was subsequently told to call a XXXX number to initiate another dispute. This back-and-forth suggests a lack of accountability and transparency. 

Your practices blatantly disregard consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which governs your business. I have not given permission for you to sell or collect false information about me for profit. Your companys profit comes at my loss, and I am certain that I am not the only victim of your negligence. 

Furthermore, your website is inadequate for addressing consumer concerns, and your customer service agents seem to lack basic knowledge of consumer protection laws, which only adds to the frustration. 

I demand the following actions : Immediate removal of the false information from your records and all associated reports. 
Confirmation in writing that the corrected information has been submitted to your client. 
A detailed explanation of the source of the false information. 
A review of your dispute process to ensure compliance with consumer protection laws. 
If these issues are not resolved promptly, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. I may also pursue legal action to recover damages caused by your negligent practices. 

Please consider this letter a formal request under the Fair Credit Reporting Act ( FCRA ) to investigate and correct the inaccuracies immediately. I expect a response within 30 days, as mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: DC

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: DE

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and I request that certain accounts be blocked and deleted from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts were opened without my authorization, and I am requesting their immediate removal from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$520.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$740.00}

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 non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am filing this complaint against IC Systems due to their continued refusal to resolve a fraudulent account that is inaccurately being reported on my credit report. Despite numerous attempts on my part to address this issue, IC Systems has been unresponsive and has made resolution unreasonably difficult by shifting the responsibility onto me to contact XXXX XXXX XXXX. 

The account in question pertains to services allegedly provided at an address where I have never lived or conducted business. I have repeatedly informed IC Systems that I have no connection to this account, yet they continue to report it to credit bureaus. IC Systems has ignored the evidence I have provided, instead insisting that I resolve this directly with XXXX XXXX XXXX burden that is both unnecessary and inappropriate given that I never initiated this account. 

IC Systems actions constitute a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 1. FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibiting the reporting of false or inaccurate information. 
2. FDCPA, 15 U.S.C. 1692e ( 8 ) : Prohibiting the collection or communication of false information about a debt. 

IC Systems has failed to take any meaningful action to investigate or correct this fraudulent account. Instead, they have continually moved the goalpost by redirecting me to XXXX XXXX XXXX, effectively avoiding their own legal obligation to ensure the accuracy of the information they report. 

I am now demanding that IC Systems remove this fraudulent account from my credit report within 72 hours. Failure to do so will leave me no choice but to file a lawsuit to address this issue and recover damages. 

Thank you for your attention to this matter. Please feel free to contact me if you require additional information or documentation. 

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 2024-12-06 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: MI

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-06 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: MI

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-06 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: RI

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2024-12-06 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I reviewed my credit report and noticed some accounts that I havent been aware of and would like them off of my credit report. I will attach the document with all of the companies and the information needed. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-06 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: MD

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, I request the immediate blocking and deletion of the accounts and inquiries listed below, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and are the result of fraudulent activity related to the breach. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these entries be blocked from my credit report. Please find the details of the fraudulent accounts and inquiries below : Fraudulent Accounts : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-06 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: NY

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NY

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: SC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit report. These entries were not authorized by me, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that they be blocked and deleted from my credit report. 
Fraudulent Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: SC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit report. These entries were not authorized by me, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that they be blocked and deleted from my credit report. 
XXXX Accounts : XXXX. XXXX XXXX Account # : XXXX Date Opened : XXXX XXXX, XXXX XXXX : {$130.00} XXXX. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} Fraudulent Inquiries : XXXX. XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX OF XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXXXXXX 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 2024-12-06 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief