vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information that remains on my credit report despite multiple requests for investigation and reinvestigation. Specifically, this pertains to the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite my previous disputes, the investigation conducted by TransUnion has not resolved the issues and has been incorrectly reported as verified accurate. As a consumer, my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. The reported information contains several inaccuracies, including missing and incomplete details, as well as an incorrect date of removal. 
The issues with this account include but are not limited to : Inaccurate Date of Removal : The estimated month and year that this item will be removed is incorrect. 
Incomplete Information : There is missing information related to this account that needs to be addressed. 
I am requesting a thorough reinvestigation of this account. Please provide documentation that verifies the accuracy of this account 's reporting, or remove the inaccurate information from my credit report. 

As mandated by the FCRA, I am entitled to accurate and complete information on my credit report. I urge you to fulfill your obligation by correcting these errors promptly. Please send me a confirmation that the necessary changes have been made or provide a detailed explanation of why you believe the information is correct. 


Please address this matter at your earliest convenience to avoid further violations of my consumer rights. I look forward to your prompt response.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account Name XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX Recently, I 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-i ) 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 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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, XXXX, & XXXX continue to report an account incorrectly. I previously disputed the account XXXX XXXX  Account # XXXX and each consumer agency stated they verified the account but neither consumer agency sent me documents or any information to prove they did a reasonable investigation furthermore the account is listed twice on my report which this means this is causing my credit scores to be reported incorrectly because this account is lower my utilization by listing it twice. Federal law states you have to have proof to report information onto a consumers credit report and they have no proof which is why they did not provide proof. This is my final attempt to get this account removed or provide me with the evidence you used or the person you spoke to who stated this information was verified. I request you upload it in the portal do not attempt to stall by saying you will send me mail because I have no received any response from my previous complaints.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian refuses to acknowledge _ _ _ _ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After my initial request asking them to change this listing from SINGLE FAMILY RESIDENCE, as it is currently listed ( before and after my request ). I sent them the direct XXXX map address for this XXXX address, and nothing has changed. 
I have had to go round and round with multiple agencies to Insist that _ _ _ XXXX XXXX is an address for XXXX XXXX and NOT a residence. 

NO ONE LIVES THERE. 

It has caused inordinate stress on my part qualifying for SOCIAL SECURITY, Supplemental Security Income, XXXX, XXXX, XXXX XXXX, et al. 

THIS IS UNFAIR AND UNDUE!

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 2024-05-26 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: FL

Complaint narrative:
I have reviewed my consumer reports and notice that I have two late payments on the account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy, I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XX/XX/XXXX ) ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact they we're never late. Thanks. Please see screenshots 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 2024-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my consumer reports and notice that I have two late payments on the account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy, I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XX/XX/XXXX ) ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact they we're never late. Thanks. Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: FL

Complaint narrative:
I have been a XXXX XXXX customer since and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX is the first company that was willing to extend credit to me. 

I am writing to humbly request that you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have late payments with XXXX XXXX. since then i have not had a single missed payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: FL

Complaint narrative:
I have been a XXXX XXXX customer since and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX is the first company that was willing to extend credit to me. 

I am writing to humbly request that you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have late payments with XXXX XXXX. since then i have not had a single missed payment

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 2024-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I recently discovered that my credit score had plummeted into the poor category. Upon reviewing my credit report, I was shocked to find overdue and late payments attributed to Comenity BankXXXX XXXX XXXX The problem? I never opened this account with them. I have not been to XXXXXXXX XXXX  in over a year and never opened an account. 

The account says it was opened in XX/XX/XXXX - no charges were made until XX/XX/XXXX. Then it says it was charged {$600.00} in XX/XX/XXXX which is the limit. Then more in XXXX, and more in XXXX leading to a huge total amount due of {$1900.00}. 

My husband and I underwent XXXX proceedings in XXXX, and since then, my only financial obligations have been my student loans. 

When I reached out to Comenity Bank, the customer representative 's attitude was less than helpful, bordering on accusatory. Despite my insistence that I never opened the account in question, they remained adamant that I had. Frustrated by their lack of assistance, I requested to be transferred to report the fraudulent activity, only to be left on hold for an exorbitant amount of time before ultimately hanging up. 

My next course of action is to escalate the matter further to ensure that this fraudulent activity is addressed appropriately and immediately. I have never received anything in the mail or a card for this account. I did not know about this situation until Thursday, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information being reported by Transunion and XXXX. After all the multiple investigations and reinvestigations, the CRAs are still not doing there job of reporting accurate information of this account with XXXX XXXXXXXX XXXX  ( # XXXX ). All they do is report the balance date has been updated but they never acknowledge my disputes. 

The discrepancies I have identified are as follows : Inaccurate Last Payment Date : XXXX XXXXXXXX XXXX has reported to TransUnion and XXXX that the last payment on this account was made in XXXX XXXX.Contradictorily, they have also reported a payment in XX/XX/2018, which is inconsistent with the stated last payment date. 

Inconsistent Account Closure Dates : The account closure date reported to TransUnion is XX/XX/2018. 
However, the closure date reported to XXXX is XX/XX/2018. 

Transunion has failed my right as a consumer to use the maximum reasonable reporting efforts. They are not doing there due process of reporting accurately. These inconsistencies are negatively impacting my credit score and do not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit reports, and the entities furnishing this information are required to report correct and complete information. 

I request that the Consumer Financial Protection Bureau investigate these discrepancies.

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 2024-05-26 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: Early Warning Services, LLC
State: OH

Complaint narrative:
Early Warning Service, XXXX, and XXXX violated my privacy and shared my private information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: OR

Complaint narrative:
I have been trying to work on my credit and I have had people use my information in the past. So I pulled my credit report and I have a collection from AWA. I have never heard of awa or the original company. I have never communicated with awa in any type of way not phone not mail not email nothing. I have no knowledge of this account and they report late payments monthly and increase the balance which has been negativity affecting my life. Ive asked for them to show proof of the debt or contract or for any information and nothing. Its not right for these companies to report late payments on a debt that belong to me, Ive never had a payment plan or contract with these people. They are trying to bully me into paying for something thats not mine and they are reporting false information. I would like for this to be removed immediately from my credit reports I was XXXX when this account was opened and Ive gotten my life together and this is negatively impacting my life. Also XXXX is reporting debts are valadated without investigation or providing any proof of debts .. Ive asked multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX, & Equifax continue to report an account incorrectly. I previously disputed the account XXXXXXXX XXXX Account # XXXX and each consumer agency stated they verified the account but neither consumer agency sent me documents or any information to prove they did a reasonable investigation furthermore the account is listed twice on my report which this means this is causing my credit scores to be reported incorrectly because this account is lower my utilization by listing it twice. Federal law states you have to have proof to report information onto a consumers credit report and they have no proof which is why they did not provide proof. This is my final attempt to get this account removed or provide me with the evidence you used or the person you spoke to who stated this information was verified. I request you upload it in the portal do not attempt to stall by saying you will send me mail because I have no received any response from my previous complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: FL

Complaint narrative:
XXXX, Experian, & XXXX continue to report an account incorrectly. I previously disputed the account XXXX XXXX  Account # XXXX and each consumer agency stated they verified the account but neither consumer agency sent me documents or any information to prove they did a reasonable investigation furthermore the account is listed twice on my report which this means this is causing my credit scores to be reported incorrectly because this account is lower my utilization by listing it twice. Federal law states you have to have proof to report information onto a consumers credit report and they have no proof which is why they did not provide proof. This is my final attempt to get this account removed or provide me with the evidence you used or the person you spoke to who stated this information was verified. I request you upload it in the portal do not attempt to stall by saying you will send me mail because I have no received any response from my previous complaints.

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 2024-05-26 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 recently reviewed my credit report and noticed several fraudulent accounts. Please remove these accounts as they are negatively impacting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-05-26 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: NC

Complaint narrative:
I'm writing you today to inform you I was the victim of identity theft. Please let me this letter serve as a formal dispute of this account. I contact all the companies directly and was told to follow this steps to get this issue sorted. I filed a identity theft report with the FTC, have contacted all the company 's and now am disputing the info. Please help me with this matter. 

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 2024-05-26 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: TX

Complaint narrative:
I was never late on these account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these late payments. 

I was never late on these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XXXX someone Hacked into my Aunt XXXX XXXX XXXX XXXX account selling a car and to Zelle {$3000.00}. 

I found out after that it wasn't her. 
They asked to use their Email for Zelle Transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax allegedly verified the account listed as XXXX XXXX XXXX XXXX XXXX XXXX but how did they verify this account they are the only consumer agency reporting the account and it does not obtain enough information to be verified. I have asked Equifax to send me the details they used to verify this account so I may follow up on the information myself and federal law states they must perform reasonable investigation and they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: IN

Complaint narrative:
VIOLATION OF THE PRIVACY 1974, AND BLAINTED VIOLATION OF COMPANIES TERMS OF AGREEMENT PRIVACY POLICIES AND DIRECT DISCRIMINATION OF MY CREDIT PROFILE.

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