vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 2024-12-27 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: GA

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. 


Account Name XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-12-27 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: GA

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. 


Account Name XXXX XXXX XXXX XXXX XXXX 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 2024-12-27 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: UT

Complaint narrative:
On XX/XX/year>, I submitted a Method of Verification ( MOV ) request to TransUnion regarding disputed items on my credit report. TransUnion received my letter and issued a response dated XX/XX/year>, which failed to fulfill their obligations under FCRA 611 ( a ) ( 7 ).

Specifically : TransUnion did not provide the method of verification used to confirm the accuracy of the disputed information.

They failed to supply documentation or evidence supporting their verification.

Instead, TransUnion referred to the data furnishers, effectively bypassing their responsibility to properly investigate the dispute.

I provided all necessary documentation with my original dispute, including proof of identity and specific details about the disputed accounts. XXXX response is inadequate and demonstrates noncompliance with the FCRA. 

Request for Resolution : Mandate the removal of the disputed items from my credit report immediately.

Investigate TransUnion for potential violations of the FCRA and take corrective action as appropriate. 
Disputed Items : Account XXXX : XXXX XXXX XXXX XXXX 
Account XXXX : XXXX XXXX XXXX 
Account Name : XXXX XXXX Supporting Documents : Copy of my original MOV request to TransUnion. 
XXXX response dated XX/XX/year>. 
I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

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 2024-12-26 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: TX

Complaint narrative:
Greetings! 

Credit Bureaus are not doing there jobs of monitoring my report. According to the Fair Credit Reporting Act, Section 605B, it is illegal to report information on my credit report without my permission. There are multiple accounts that did not receive my permission, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Beginning XX/XX/year>, I requested verification from all companies in question. Companies have not reached out, even though I sent letters certified mail. Experian, XXXX, and XXXX have all failed to explain the methods used to verify these accounts and have not provided the correct documentation to leave report as is. I have been made to pay those in question due to negative effects happening on my credit report. I have provided copies of my license, bank statement, and bill verifying my identity. Experian has blocked me from online access and mobile calling after stating, " I could not speak with a supervisor without verifying my middle name '', after giving my social security over the line. I no longer have access to see my full report unless I pay. Credit Bureaus, specifically Experian and XXXX, only respond through consumer finance.gov. They still DO NOT prove verification. Only one item has been removed inaccurately and all other accounts in question were submitted along with it. If the Credit Bureaus are not able to confirm my permission or show me how debt was verified, then the information submitted needs to be removed.

Please remove the items that were not given my permission to report to the credit bureaus from my report. 

According to the FCRA Section 605B, it is illegal to report information on my credit report without my permission. Please remove all items from my 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 2024-12-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The Money Network card I received for my XXXX payments from EDD already had a password and was probably being used by someone else. I have called Money Network for over 2 weeks with no answer. I previously made a complaint here for this company but all of my information was either not entered or entered incorrectly. I received a response from the company stating they have mailed a check to me for {$450.00} but my card ( which I was never able to use ) had a {$1300.00} XXXX payment from EDD. I need this company to return all of my money to me not just {$450.00}. I am about to be evicted from my home if I do not pay my rent which is what this money was for. I can not stress enough how much I need my money back. I explained all this to the person I made my complaint with last time with the exact $ $ amount but it doesnt look like they even added any important information with the complaint. I hope some can really help me this time.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: TX

Complaint narrative:
I contacted VW credit to see if a goodwill adjustment could be made for a past due mark on credit reporting for XXXX XXXXXXXX, as the first payment made was 32 days past due. This was overloooked in error on our part, as we thought the payment was due on the XXXX of the month. I contacted VW on XX/XX/XXXX to make this request, and was treated poorly by their customer service team. I asked what contact information VW had on record, as I received no phone call prior to the account going 30 days late. I made this request as we have had several VWs prior, and I believe that they never updated our contact information from prior vehicles to the current one, which has my phone number and email on the loan application. The XXXX agent refused to verify phone number or email address that VW has on record and stated that what they have on record is what I provided on my loan application. I can tell you that this is not true, as my phone number ( which should be the first number listed on the account ) did not receive any calls or messages from VW. The agent did list off dates where calls were made, but refused to confirm which number the call was made to. When I expressed my dissatisfaction to the customer service agent and requested to speak to a manager to confirm the demographics on record, the CS agent refused to transfer my call. I requested to speak to a manager 5 times! It was not until I stated I would make the complaint through the CFPB when he attempted to transfer my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
Paperwork I received from XXXX XXXX XXXX  forwarded from XXXX show a loan account opened on XX/XX/XXXX. The address used is one I have not lived at since XX/XX/XXXX. The phone number listed was disconnected 8-10 years ago. I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account that has been inaccurately reported by Portfolio recovery Associates to XXXX. The account in question is being reported as 120 days past due, even though it is a collection account, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

2. Specific Violations : FCRA Violation : Section 623 ( a ) ( 1 ) ( A ) requires that information furnished to credit reporting agencies be accurate. Reporting a collection account as 120 days past due misrepresents the nature and status of the account, violating the accuracy requirement.

FDCPA Violation : Section 807 prohibits false, deceptive, or misleading representations. Reporting the account as past due when it has been transferred to collections creates confusion and could mislead creditors or potential lenders. 

XXXX. Additional Concern : The date of delinquency does not appear to reflect the correct date of first delinquency from the original creditor. This date appears to have been altered or re-aged, which would constitute an additional violation of the FCRA under Section 605 ( c ). 

Actions Requested : Immediately instruct XXXX to correct the account reporting to reflect its status as a collection account. 
Remove the 120 days past due designation as it is inaccurate. 

Ensure that the date of first delinquency aligns with the original creditors records. If original creditor 's records are not provided to myself and XXXX to verify the date of first delinquency, please delete this unverifiable record from my consumer file or credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicing Solutions, LLC
State: OH

Complaint narrative:
This has gone too far. My patience is gone. I'm contacting the Attorney General and the FTC tomorrow. As far as the issue, refer to the other XXXX or XXXX complaints I have submitted in the past XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-26 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: OR

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: OR

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 explanation
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
I have inquiries on open account and other account that were not made by me

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 2024-12-27 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:
My information was exposed in a data breach with the major credit bureaus. Additionally, I have companies reporting on my. credit report that I have never done business with. 
A second issue is that I opted out of XXXX XXXX but they continue to provide data on me. I requested they correct errors but they failed to do so.

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 2024-12-27 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:
My information was exposed in a data breach with the major credit bureaus. Additionally, I have companies reporting on my. credit report that I have never done business with. 
A second issue is that I opted out of XXXX XXXX but they continue to provide data on me. I requested they correct errors but they failed to do so.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I applied for a Best Buy credit card with Citi Bank and got approved for it then I accidentally closed the tab that had the application and tried reopening it, but it prompt me to put my information again which I did thinking I would be able to see my application stats, but in realty it sent another application and told me to wait a few days to get a reposed. So I wait and get an email that denied my already approved application that I got the first time stating " Duplicate application found '' and got denied and I've been trying to get in touch with someone but I just can't get pass their automatic bots and it requested I put in my information again and I did thinking to look up my stats or get some help from someone but it sent another application and I don't what any more needless hard pulls on my 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 explanation
Consumer complaint received 2024-12-27 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:
Hello, I would like to file a complaint against the Credit Bureaus Transunion XXXX XXXX, due to not properly assisting me. I notified the companies XX/XX/XXXX, in regards to a company named XXXX ( Formerly XXXX ), falsely reporting my account 30-59 late. The Credit Bureaus left the negative remarks on my credit report, after I advised them that XXXX sent emails stating my due date was different from the previous one. In addition, I submitted evidence supporting my dispute. The company sent an email stating my payment was due on XX/XX/XXXX, which i submitted a payment XX/XX/XXXX. However, when i submitted the payment, XXXX stated it was due XXXX and that I was over 30 days late. I advised the company that I received an email stating my payment was due in XXXX. Also, I stated that a representative in XX/XX/XXXX, stated my due dates would change, as the result of me being on the hardship program. I hope this issue can be resolved, as it has caused me a great deal of stress, due to my credit score has gone down over XXXX points & having to file disputes.

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 2024-12-26 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.

Complaint narrative:
The continued presence of inaccurate information on my credit report has caused significant financial harm and emotional distress. Misrepresentation of my personal and financial details constitutes a serious violation and an act of fraud. This has misled creditors, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial health. Rectifying these issues has been an ongoing and stressful process, further eroding my trust in the credit reporting system.

Moreover, the persistence of these inaccuracies despite repeated disputes suggests willful neglect and financial coercion. This refusal to correct false information not only exacerbates my financial challenges but also inflicts undue emotional strain. These actions represent a disregard for my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which are designed to protect consumers. The harm caused extends beyond financial losses, significantly impacting my daily life and mental 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 non-monetary relief