vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing the inaccurate reporting of an XXXX XXXX account ( XXXX, $ XXXX ) on my TransUnion credit report. This account has been removed from my XXXX and XXXX reports, yet it remains on TransUnion, which violates federal laws requiring accuracy and consistency in credit reporting. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure the accuracy of their reports and resolve disputes promptly. The continued reporting of this account on TransUnion is inconsistent, misleading, and unfairly impacts my creditworthiness. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has previously found XXXX XXXX violating consumer protection laws, including improper handling of disputes and inaccuracies in reporting. 

I respectfully request the immediate removal of this account from my TransUnion credit report to comply with federal laws and reflect the same accurate reporting as XXXX and XXXX. I have attached supporting documentation to validate my claim. Thank you for your prompt attention to this matter. 

I have attached a copy of my social security card, my ID, a copy of a utility bill, a snippet of the account being remove from XXXX and XXXX, a snippet of the XXXX XXXX account still being reported on my Transunion credit report and the letter for Transunion requesting to correct the 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 2024-12-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605 ( 15 U.S.C. 1681 c-2 ) that you, the Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent activity is regarding of a personal credit card account opened at XXXX XXXX, on XX/XX/year>, another personal credit card at The XXXX XXXX, XX/XX/year>. 
This information is not information or transactions I approved to be reported to my consumer report and violated several federal laws. In addition, violation 15 U.S.C. 1681a ( d ) ( 2 ) by way of reporting experience and transaction within my consumer report. Also, my previous disputes are violation of 15 U.S.C. 1681a ( e ), which the investigation has always included factual information on my consumer report obtained directly from the creditors of the consumer ( me ). These accounts do not have my permissible purpose to furnish the information they are reporting, yet they are selling to third parties, which is identity theft. I have attached a copy FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.

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 2024-12-13 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: IN

Complaint narrative:
I recently checked my credit report and noticed multiple billing errors. These late payment records don't reflect my usual payment behavior. Please rectify these mistakes and update my account. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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 request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agency block all of the accounts, collections and identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email. I have been a victim of Data Breach with bureaus. 

DEPT EDUCATION -OPENED XX/XX/XXXX, BALANCE {$1400.00} XXXX XXXX -OPENED XX/XX/XXXX, BALANCE {$190.00} XXXX XXXX -OPENED XX/XX/XXXX, BALANCE {$260.00} XXXX-OPENED XX/XX/XXXX, BALANCE {$4400.00} XXXX XXXX OPENED XX/XX/XXXX, BALANCE {$7700.00} XXXX XXXX-OPENED XX/XX/XXXX, BALANCE {$210.00}

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 2024-12-13 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: TX

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agency block all of the accounts, collections and identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email. I have been a victim of Data Breach with bureaus. 

DEPT EDUCATION -OPENED XX/XX/XXXX, BALANCE {$1400.00} XXXX XXXX -OPENED XX/XX/XXXX, BALANCE {$190.00} XXXX XXXX -OPENED XX/XX/XXXX, BALANCE {$260.00} XXXX-OPENED XX/XX/XXXX, BALANCE {$4400.00} XXXX XXXX OPENED XX/XX/XXXX, BALANCE {$7700.00} XXXX XXXX-OPENED XX/XX/XXXX, BALANCE {$210.00}

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/XXXX  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 CREDIT BUREAU 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 collections 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 2024-12-13 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: MA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
This company ( Municipal Collection Services, LLC ) has been harassing my sister via text and phone call, who has told them that she is not me, that her cell phone number is not mine and that she is not associated with my debt. Yet they continue to call her and text her about my debt. I have never given out her phone number to any company, so I am unsure about how they found her information and why they think she is me, despite her telling them numerous times on phone calls that she is not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX Dear Transunion Representative Re : Dispute of Bankruptcy on My Credit Report I am writing to dispute the bankruptcy listed on my credit report. The information is inaccurate because the bankruptcy was dismissed. 

The details of the disputed bankruptcy are as follows : - Account Name : Bankruptcy XXXX  XXXX - Account Number : XXXX - Date of Bankruptcy : XXXX XXXX - Court Name : United States Bankruptcy Court for the XXXX XXXX of XXXX XXXX - Case Number : XXXX - Dismissal Date : XXXX XXXX I request that you investigate this dispute and correct the inaccurate information on my credit report. Please update my credit report to reflect that the bankruptcy was dismissed and remove any negative marks associated with the bankruptcy. 

I have attached a copy of the court order dismissing the bankruptcy, as well as any other relevant documentation. Please review this documentation and take the necessary steps to correct my credit report. 

Thank you for your prompt attention to this matter. I look forward to a resolution within the next 30 days. 

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 explanation
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I received messages from Robinhood about XXXX months ago that they will close my account due to recent activity and they will notify me once they are done. I was trying to figure it out what was issue by sending multiple emails and chatting with virtual supporters. However I have not heard back from them. 
Please advise me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: IL

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint regarding inaccuracies in my credit report as provided by XXXX, XXXX, and Equifax. The discrepancies I have identified are outlined below, along with the applicable violations of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 

Identified Inaccuracies : XXXX. Account # : XXXX ( Revolving Account ) Inconsistency in Credit Limit : XXXX and XXXX report a credit limit of {$2000.00}, while Equifax reports {$0.00}. 
Account Status : XXXX states the account is " Closed, '' whereas XXXX and Equifax indicate " Paid. '' o Comments : Each bureau lists conflicting reasons for account closure. 
XXXX. Account # : XXXX Account Status : Both XXXX and XXXX list this account as " Derogatory, '' but details differ regarding payment history and last reported dates. 
Past Due Amount : This amount is reported consistently, but its legitimacy is in dispute. 
Monthly Payment of {$84.00} : XXXX lists an active monthly payment of {$84.00} despite the account being marked as " Derogatory '' and in collections, which suggests an inaccuracy. 

Legal Violations : Under the FCRA : XXXX. Section 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy. The discrepancies in account statuses, limits, and payment terms demonstrate a failure to comply. 
XXXX. Section 1681i : Upon dispute, credit reporting agencies are required to conduct a reasonable investigation. The ongoing inaccuracies indicate either a lack of investigation or a flawed process. 
XXXX. Section 1681c : Outdated or incorrect negative information, such as " Derogatory '' account statuses and conflicting payment information, should not appear if inaccurate. 

Under the UCC : 1. UCC 9-210 : Debtors have the right to an accurate statement of account. The conflicting details between agencies violate this principle. 
XXXX. UCC 1-304 : This section requires parties to act in good faith. The lack of clarity and conflicting information regarding the {$84.00} payment calls into question the reporting agencies ' good faith efforts to provide accurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have no access to my own personal credit report. I have access to my MyEquifax.com mobile app. Financial institutions do now have access to my persona credit report. The file just says " Referred File '' Nobody knows what it means. I have contacted Equifax XXXX times in the last XXXX  days to rectify the issue and submitted the requested documents all XXXX times via email and mail. I have spoke to the Consumer Affairs department on all XXXX occasion to rectify the issue, to no avail. Equifax tells me that I can not have access to anything. And if a bank or credit union wants my file, they have to call the Equifax business number, but the Equifax agents can not give us the actual number for anyone to call. Banks have never heard of such a thing. Equifax has provided me absolutely no viable options and it seems they are choosing not to make my report available to anyone including me. This violates the FCRA provisions to an egregious degree. I have complied with all of Equifax 's requests for documents ID materials etc. I do not have a security freeze on my file.. This issue all of a sudden occurred on XX/XX/year>. I have no pending disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX times I submitted a dispute to a Collections on my Equifax account for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) for {$81.00}. I had battled XXXX over the cancellation of my policy back in XXXX. I had a fight with them to cancel my insurance for XX/XX/XXXX, But they didn't send me a cancelation notice until XXXX XXXX. They retroactively dated it back to XX/XX/XXXX in the email sent on XX/XX/XXXX. The email clearly states that I don't owe them anything. The AMOUNT DUE is {$0.00}. 
XXXX, XXXX, XXXX, XXXX XXXX assigned the account to XXXX XXXX for the amount of {$81.00} This only appears on my Equifax file. Not on XXXX or XXXX. I submitted disputes to both Equifax and XXXX XXXX on XX/XX/XXXX, XXXX, and again on XX/XX/XXXX. 
I submitted a copy of the XX/XX/XXXX Email from XXXX  each time. I believe that they are ignoring my dispute because it's only {$81.00}, so they think they can force me to pay it, but the email shows that I don't owe anything. I believe that Equifax has a duty under the FCRA to provide accurate information on my credit report. A collections account on my report hurts my ability to get credit and can hamper my ability to find jobs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in 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