vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 2024-03-22 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: CT

Complaint narrative:
Transunion is stalling again with their letter dated XX/XX/2024 which is included by id XXXX by saying I did not send them enough proof of address to look into my dispute so here I am including additional information labeled FEDERAL for my address. I have sent in several disputes with TRANSUNION regarding several unauthorized inquiries on my account supported by my letter to them. I have opted out of reporting and that they are violating my rights to privacy as a consumer per 15 USC 1681 ( b ) -permissible purposes of consumer reports, so I am taking this complaint to the CFPB for remedy to enforce the law. I am also attaching my inquiry removal documentation to this claim. They usually use stall tactics to say they need more time to investigate, and they are reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate non active account showing up as the outlined inquiries reporting and breaching my consumer privacy right.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This complaint is in reference to XXXX card with account number - XXXX. 

This account is reporting with a balance of {$3500.00}. I have provided a copy of a letter PROVING that this debt has been sold to a XXXX party debt collector. This account is therefore inaccurate and illegal to report since the debt was sold to another company and needs to removed immediately. 

This account is also reporting that the debt was Charged off in every month since XX/XX/XXXX and XXXX XXXX. This is fraudulent, inaccurate and incomplete reporting. This account Violates my right to 100 % accurate and verifiable reporting on my credit report and needs to be DELETED 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 non-monetary relief
Consumer complaint received 2024-03-22 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: CA

Complaint narrative:
I am not liable to any dept with XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted

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 2024-03-22 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: PA

Complaint narrative:
I have sent out letter to XXXX XXXX Transunion about these hard inquiries on my account and also filled out a FTC report and they keep denying my request for removal. How did they verify these accounts are accurate? Please send me any type of documentation that you had that shows that you verified this is accurate. who did you talk to? what time did you talk to them? what was their name? What department did they work in? what did they say? Dis they show XXXX XXXX Transunion any proof? How did they validate the accuracy of these accounts? Please send me any and all documentation that you have that shows that you actually did your job and validated these accounts.Send me these documents within 15 days. If you cant not send me these documents in 15 days, delete this from my account immediately. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ETbSEQ. Section 604 of fair credit reporting act.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not liable to any dept withXXXX XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Disputed Bill and Credit Damage Dear CFPB, I am writing to bring to your attention a serious issue related to an outstanding bill that has been inaccurately associated with my name. The bill in question, totaling {$35000.00}, does not belong to me, yet it continues to negatively impact my personal credit and various aspects of my life. 
Here are the key details : Erroneous Bill : I have never incurred any debt or financial obligation amounting to {$35000.00}. The display of this bill on my credit report is both unjust and damaging. 
FTC Report : I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter. Despite my efforts, the bill remains unresolved and continues to tarnish my credit history. 
FCRA Violations : The collection company, XXXX XXXX XXXX, is violating several provisions of the Fair Credit Reporting Act ( FCRA ). These violations include : Accuracy : The bills inclusion on my credit report is inaccurate and misleading. 
Verification : I have requested verification of the debt, but the collection company has failed to provide adequate proof of its validity. 
Harassment : XXXX XXXX Controls relentless pursuit of payment, despite my dispute, amounts to harassment and violates my rights under the FCRA. 
Extortion : The collection companys actions border on extortion. They are attempting to coerce me into paying a debt that I do not owe, causing undue stress and financial hardship. 
I kindly request that the CFPB investigate this matter promptly. I seek the following remedies : Immediate Removal : The erroneous bill should be promptly removed from my credit report. 
Corrective Action : XXXX XXXX XXXX must cease all collection efforts related to this debt. 
Penalties : The collection company should face appropriate penalties for violating FCRA regulations. 
I appreciate your attention to this urgent matter. Please find attached relevant documentation, including my FTC report and correspondence with XXXX XXXX XXXX. 
Thank you for your commitment to consumer protection. I trust that the CFPB will take swift action to rectify this situation

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 2024-03-22 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 XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -PXXXX XXXX XXXX XXXX XXXX XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30days. During the investigation period, the item I am disputing must 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 2024-03-22 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: TX

Complaint narrative:
I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX -EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30days. During the investigation period, the item I am disputing must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: HI

Complaint narrative:
See document attached

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 2024-03-22 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: PA

Complaint narrative:
The account below was reporting billing inaccuracies. Inaccurate late payments. The company did not hold up their end of the bargain. The representative told me to pay the balance and I told them that the account was reporting bad and inaccurate. I had no problem with paying the balance. XXXX did not update my account to reflect good. I also asked the representative if he couldn't change it, just take my payment and delete the account so it doesn't reflect bad on my credit. Nothing was changed. But I was still able to get another credit card with the company. It doesn't make sense. Please advise them to remove the chargeoff and late payments which is inaccruate or DELETE the account as a whole. According to the FCRA, XXXX is supposed to report 100 % accurate information. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2020 Credit Limit : {$400.00}

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I certified mailed a letter to the company requesting the validation of the debt they listed on my credit report. My records show that the company received the letter on XX/XX/XXXX. On XX/XX/XXXX, I had still not received a response from the company, so I mailed an additional letter to the company requesting validation of this same debt. As of today ( XX/XX/XXXX ), I have still not received a response from the company. I have requested validation of this debt through the credit bureaus as well on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
It has taken multiple attempts to get just one answer from the company. This act of failing to respond, I believe, may have violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act for continuous reporting of disputed debt, failing to validate a debt, and continuous communication to a consumer after a debt has been disputed and not validated. This company 's actions are willful and negligent regarding its reporting of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, some items still need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22 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: PA

Complaint narrative:
The account below was reporting billing inaccuracies. Inaccurate late payments. The company did not hold up their end of the bargain. The representative told me to pay the balance and I told them that the account was reporting bad and inaccurate. I had no problem with paying the balance. XXXX did not update my account to reflect good. I also asked the representative if he couldn't change it, just take my payment and delete the account so it doesn't reflect bad on my credit. Nothing was changed. But I was still able to get another credit card with the company. It doesn't make sense. Please advise them to remove the chargeoff and late payments which is inaccruate or DELETE the account as a whole. According to the FCRA, XXXX is supposed to report 100 % accurate information. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/year> Credit Limit : {$400.00}

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 2024-03-22 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: PA

Complaint narrative:
The account below was reporting billing inaccuracies. Inaccurate late payments. The company did not hold up their end of the bargain. The representative told me to pay the balance and I told them that the account was reporting bad and inaccurate. I had no problem with paying the balance. XXXX did not update my account to reflect good. I also asked the representative if he couldn't change it, just take my payment and delete the account so it doesn't reflect bad on my credit. Nothing was changed. But I was still able to get another credit card with the company. It doesn't make sense. Please advise them to remove the chargeoff and late payments which is inaccruate or DELETE the account as a whole. According to the FCRA, XXXX is supposed to report 100 % accurate information. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2020 Credit Limit : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.

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 2024-03-22 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: TX

Complaint narrative:
Attached to this complaint theres proof of violations of the FCRA and Privacy Act of 1974. TransUnion is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported were fraud. Under 15 U.S CODE 1681, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy, and 15 U.S CODE 1681a ( A ) 2 Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S CODE 1681c No adverse items besides the conviction of crimes should be on your report any item that is derogatory mark is not allowed into consumer reports this is another violation. SAID company is securitizing consumers data and is liable under the SEC to follow certain rules. TransUnion Commission File Number is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX as the Trustee. TransUnion negligences has caused a severe impact on my life, they should take responsibility.

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