vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report. 

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid.

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

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 2025-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid.

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

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 2025-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I called XXXX at XXXX XXXX XXXX XXXX and tried to use their auto robot answering service and got hung up XXXX  times before finally getting my unfreeze set up. 

Lastly the recording gave me a number to write down maybe XXXX numbers or more, but the " she voice '' gave the numbers so fast I could not write down, then she repeated but again so fast I could not write down - I'm XXXX  years of age. 

There was no option offered to speak with someone about the problems I was happening- the robot just told to go online to resolve- but going online to unfreeze my credit freeze initially was unsuccessful on several attempts. 

It took me approximately XXXX hours to get the XXXX credit bureau 's unfrozen - but EXPERIAN was the absolute worst. 

XXXX more issue, not XXXX of the English speaking persons with XXXX or XXXX could speak easy to understand XXXX. It gets very frustrating for us Seniors.

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 2025-01-08 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: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-08 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: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I am writing to formally request the removal of a reported late payment from my credit report by Mariner Finance , LLC. Account number XXXX. This company has violated my rights, Based on 15 U.S. Code 1666b, which governs the timing of payments. Under this statute, a payment is not considered late unless it is received after the due date, and certain conditions must be met for a payment to be deemed properly credited. Furthermore, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My information was shared in a data breach with several companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My information was shared in a data breach with several companies

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute several hard inquiries listed on my credit report, which I believe are the result of unauthorized access to my personal information due to a data breach. These inquiries were not authorized by me and were made without my consent. I request that these inquiries be removed from my credit report pursuant to the following laws : XXXX. 15 U.S.C. 6802 : This section of the XXXX XXXX protects consumers by restricting the disclosure of nonpublic personal information, which includes personal data involved in data breaches. Unauthorized access to my personal information violates these protections. 
XXXX. 45 U.S.C. 1681b : Under this section of the Fair Credit Reporting Act ( FCRA ), credit reports may only be accessed for permissible purposes. The inquiries listed on my credit report were made without my authorization and do not meet the legal requirements for permissible purposes. 
XXXX. 18 U.S.C. 1028A : This section criminalizes the unauthorized use of personal identification information. The fraudulent hard inquiries resulting from the data breach constitute a violation of this statute. 
The inquiries in question were made by the following institutions on the following dates : XX/XX/year> by XXXX XXXX XXXX XXXX  XXXX XX/XX/year> by XXXX XXXX XXXX XX/XX/year> by XXXX  XXXX XXXX XXXX XXXXXX/XX/year> by XXXX XXXX XXXX XXXX XX/XX/year> by XXXX XXXX XXXX XXXX XX/XX/year> by XXXX XXXX XXXXXXXX XX/XX/year> by XXXX XXXX XXXX XX/XX/year> by XXXX XXXX XXXX XX/XX/year> by XXXX XXXX XXXX Since these inquiries stem from unauthorized access to my personal information, I request that you remove them from my credit report immediately. The presence of these inquiries on my credit report is damaging and a direct result of identity theft.

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 2025-01-08 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: NJ

Complaint narrative:
Experian has failed to properly investigate in the proper time given the accounts in question .they continue to report inaccurate information and break the laws that protect my rights I am filing this complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. Despite my efforts to resolve this matter directly with Experian, they have failed to correct the inaccuracies, and I believe their actionsor lack thereofconstitute a violation of my rights under the FCRA.

The details of my complaint are as follows : 1. Nature of the Inaccurate Information : [ accounts reporting with charge offs and balances being incorrect, such accounts not reporting across all three agencies, incorrect payment history,. ] 2. Attempts to Resolve the Issue : I submitted a dispute to Experian on XX/XX/year>, providing all relevant documentation, including [ e.g., account statements, letters from creditors, or other proof showing the information is inaccurate ]. However, Experian failed to conduct a proper investigation and did not correct or remove the inaccurate information within the 30-day timeframe required by law.

3. Impact of the Inaccuracy : The inaccurate information has negatively impacted my credit score, causing financial harm by [ e.g., preventing me from obtaining credit, increasing my interest rates, or damaging my reputation ].

4. Requested Resolution : I request that Experian be held accountable for their failure to comply with the FCRA. I am asking for a thorough investigation into this matter, the immediate correction or removal of the inaccurate information, and any other appropriate remedies under the law. 

I appreciate your attention to this matter and look forward to your assistance in ensuring Experian complies with FCRA

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 2025-01-08 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: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because I have been unable to access my free annual credit report through TransUnions website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account.

Key Details : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account.

Customer Service : I have contacted TransUnions customer service, but no resolution was provided.

Dispute Access Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws.

Laws Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law.

3. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ). 
XXXX. XXXX XXXX XXXX XXXX and Consumer Protection Act : TransUnions practices may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes.

5. Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially
preventing me from accessing my credit history.

7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).

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 2025-01-08 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: Synovus Bank
State: FL

Complaint narrative:
I am writing to formally notify your offices that I am a victim of identity theft and fraud. Fraudulent accounts, credit cards, and debts have been opened or incurred in my name without my knowledge or consent. These actions were not taken by me and were entirely against my will. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Credit Repair Organizations Act, I demand that all fraudulent accounts, negative items, and associated debts be removed from my credit reports immediately. I also request that any inquiries associated with these fraudulent accounts be deleted from my file. To protect my credit and prevent further misuse of my personal information, I also request that a fraud alert and/or credit freeze be placed on my file. Please update me once these safeguards have been implemented. This fraudulent activity occurred outside of my control as I was a victim of XXXX  trafficking, a situation that stripped me of my ability to control or protect my financial information. I am not responsible for any of the resulting accounts or debt. I expect a written response confirming that all fraudulent accounts and entries have been permanently removed or blocked from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
Good day, I am asking to remove the security freeze in my crerdit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
The mixed information on my credit report is outrageous. Accounts that are not mine are listed under my name, causing severe harm to my credit score. Despite multiple complaints, absolutely nothing has been done.

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 2025-01-08 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: GA

Complaint narrative:
I request that all three credit bureau investigate and remove all hard inquiries from my report. I am a victim of identity theft/fraud due to credit breaches that occurred, and I was not aware are notified of these breaches. Due to breaches my personal information has been used improperly, make it hard for me to receive any assistance needed. These are the false inquiries, and dates they were filed in my name, as followed. 
XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX  XXXX - XX/XX/XXXX All listed I ask that they be removed immediately. These are actions of fraud. I have no acknowledgment of any company listed. Under state laws 15 USC 1681b ( 2 ), 15 USC 16811 ( q ), 15 USC 1681c-2

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation