vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have tried to log in into my Transunion account to unfreeze my credit report to open an account with XXXX XXXX. XXXX XXXX requires credit reports from the three bureaus. While I had no problem with XXXX and XXXX, Transunion denies me access to that function. Called them and chatted with them, and they offered to do it for me, but that is not good enough. I need to do it myself so I can freeze/unfreeze as needed. Spent hours trying to have Transunion to give me access but they are just not able to do it : they ask me to fill forms, which I do, but despite their promises of escalating to their technical staff, I never heard from them. RIght now I don't know if my Transunion credit report is frozen or unfrozen. When I call, it takes a long time to get to anybody, and the representatives are very hard to understand or the phone line is of very poor quality. I tried just now to chat, and " XXXX '' asked me to open a new account. I don't need a new account -- I already have one! I want access.

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 2024-12-09 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:
I am Writting to file a complaint regarding an account inaccurately reported on my credit File by XXXXXXXX XXXX XXXX XXXX. Despite removing this authorized User account status with XXXXXXXX XXXX XXXX XXXXXXXX it remains on my credit report and its continued presence is inaccurate and unfairly damaging to my credit. Under the Fair Credit Reporting Act 15 U.S.C.1681 e ( b ) This section mandates that consumer reporting agencies must ensure maximum possible accuracy in the information they report. The inclusion of this account on my credit report, despite my requests for removal and the lack of responsibility ( Authorized User ) for the account as an Authorized User, is a clear violation of this requirement. I have no financial responsibilities for this account as an authorized user and have repeatedly requested that XXXX XXXX XXXX be removed from all three credit bureau I have attached below a copy of my credit reports showing where the responsibility shows as Authorized User

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 2024-12-09 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:
I am Writting to file a complaint regarding an account inaccurately reported on my credit File by XXXXXXXX XXXX XXXX XXXX Despite removing this authorized User account status with XXXXXXXX XXXX XXXX XXXXXXXX it remains on my credit report and its continued presence is inaccurate and unfairly damaging to my credit. Under the Fair Credit Reporting Act 15 U.S.C.1681 e ( b ) This section mandates that consumer reporting agencies must ensure maximum possible accuracy in the information they report. The inclusion of this account on my credit report, despite my requests for removal and the lack of responsibility ( Authorized User ) for the account as an Authorized User, is a clear violation of this requirement. I have no financial responsibilities for this account as an authorized user and have repeatedly requested that XXXX XXXX XXXX be removed from all three credit bureau I have attached below a copy of my credit reports showing where the responsibility shows as Authorized User

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
Recently I XXXX XXXX did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : TransUnion XXXX XXXX XXXX # XXXX Balance {$5800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Charge off {$3400.00} Date opened XXXX XXXX XXXX XXXX # XXXX. 
XXXX {$3900.00} Date opened XX/XX/XXXX XXXX? XXXX # XXXX. 
Balance {$0.00} Charge off {$3400.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$69.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$5800.00} Date opened 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 2024-12-09 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: CA

Complaint narrative:
Recently I XXXX XXXX did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX # XXXX Balance {$5800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Charge off {$3400.00} Date opened XXXX Experian XXXX XXXX # XXXX. 
XXXX {$3900.00} Date opened XX/XX/XXXX XXXX? XXXX # XXXX. 
Balance {$0.00} Charge off {$3400.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$69.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$5800.00} Date opened 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 2024-12-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: UT

Complaint narrative:
hi, I was out of work when i got sick in 2017 and treated by XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX, Utah. I could not pay the full amount and attempted to set up a monthly installment payment but they transferred the account to First Financial Investment Fund VI, XXXX who then sold the account to XXXX XXXX XXXX XXXX XXXX XXXX 

the original amount was about {$3200.00}. Now I am told {$6300.00} in total. 

I attempted to ask the question why the amount is almost double and was told they could not give me the information. 

My file with XXXX XXXX Firm is XXXX XXXX  Law Firm contact is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Upon checking my credit report, I discovered accounts that I did not approve. I am asking for these accounts to be removed and blocked 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 2024-12-09 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: NV

Complaint narrative:
I

am filing this complaint against Experian due to its failure to provide me with a credit score, despite my repeated efforts to resolve this issue. This ongoing problem is causing significant harm, as I am in the process of purchasing a home and Experian 's lack of action is creating unnecessary complications. I contacted Experian by phone, and the representative instructed me to submit proof of my identity via their upload page. I complied with this request immediately, uploading all required documentation. Prior to this, I spent several months mailing the same information to Experian to ensure my records were updated and accurate. Despite these efforts, Experian has failed to provide me with a credit score. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), which grants consumers the right to access their credit information and ensure its accuracy. Further, under Section 611 ( 15 U.S.C. 1681i ), Experian is obligated to investigate and correct inaccuracies or incomplete information promptly. Their failure to respond to my repeated submissions of identity verification materials constitutes a breach of these legal requirements. Additionally, under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ), I am entitled to fair treatment in accessing credit. Experians failure to provide my

credit score is impeding my ability to obtain a home loan, effectively denying me access to credit without justification or due process. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold Experian accountable for their noncompliance with federal laws. Specifically, I request : Immediate action by Experian to update my records and provide my credit score.

A review of Experians handling of this case to prevent further violations of the FCRA and ECOA. 
Assurance that Experian will comply with its legal obligations to provide accurate and accessible credit information in the future. 
This is a time-sensitive matter that directly affects my financial stability and ability to purchase a home. I urge you to address this issue promptly. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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.

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 2024-12-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Equifax, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Equifax has violated its legal obligation to maintain accurate and reliable consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Equifax has failed to conduct a proper investigation or remove the inaccurate inquiries.

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activities. Equifaxs failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Equifax credit report and assurance that Equifax will take appropriate steps to prevent similar inaccuracies in the future.

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
M

y account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2024-12-09 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: NY

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief