vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number : 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 2024-12-14 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 have disputed XXXX accounts that each contain multiple errors, each multiple times with Transunion : ( 1 XXXX XXXX XXXX SC with account number XXXX and ( 2 ) XXXX XXXX XXXX XXXX with account number XXXX Transunion has failed to conduct a sufficient and thorough investigation or delete the inaccurate accounts as a result of the unverified information. They have only responded with frivolous letters stating the accounts are verified as accurate however they have never provided sufficient documentation nor proof that an investigation was conducted.

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 2024-12-14 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD TRANSUNION ( IDENTITY THEFT & FRAUD ) VIOLATION FCRA XXXX XXXX XXXX XXXX  XXXX Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL AND LAST WARNING!, IF THIS ACCOUNT KEEPS COMING BACK ONE MORE TIME, I WILL SUE YOU IN COURT! 

ON THE POLICE XXXX ATTACHED TO MY CASE, THE OFFICER CLEARLY STATES THATXXXX XXXX XXXX XXXX XXXXXXXX IS A FRAUD ACCOUNT IF YOU READ THE DOCUMENTATION ON POLICE REPORT! PLEASE AND FOR THE FINAL LAST TIME DELETE & BLOCK THIS ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX. THIS ACCOUNT WAS ALREADY DELETED LAST MONTH OF XX/XX/XXXX BY TRANSUNION, THEN TRANSUNION LET THIS COMPANY REPORT ON MY CREDIT REPORT AGAIN XX/XX/XXXX WHICH IS ILLEGAL! AND MY RIGHTS HAVE BEEN VIOLATED!. AND DEFAMATION OF CHARACTER!. PLEASE STOP ALLOWING THIS FRAUDULENT IDENTITY THEFT ACCOUNT/COMPANY TO STOP REPORTING ON MY CREDIT REPORT. THIS ACCOUNT IS NOT ALLOWED TO REPORT ANYMORE, AND IS NOT MY ACCOUNT. 
THIS IS MY FINAL LETTER CONCERNING THIS ( FRAUD ACCOUNT ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX. *.I DEMAND THIS ACCOUNT BECOME DELETED OFF MY CREDIT REPORT! * Please remove this fraudulent item for the final time because of identity theft.. I'm demanding that this fraudulent account be removed blocked and deleted the final time permantly never to return or I will be forced to sue in the court of law!. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 
THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .does not belong to me. Delete & BLock immediately! 




Collection Account 1 : XXXX XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I wasnt able to use my account so I called on XX/XX/XXXX to ask why. I was advised by a rep and a supervisor that my account was in the process of being closed and they dont have to tell me why its at their discretion. I asked if I was able to withdraw my money since I was never notified, they advised no because its in the process of closing and I can call back next week to get a date when it will be closed and when theyll mail me a check. I asked them why was I not notified ahead of time, they advided a letter was mailed to me. I never received a heads up letter. I just received one today in the mail XX/XX/year>, Which was dated XX/XX/XXXX ( the date I called ). They never sent me a notification ahead of time to let me know. That was all the money I had at the time. Im assuming my account was closed because of an issue I had with my dads account and advised him I was going to get an attorney. I had this account for over 22 years and they just closed it without a heads up and Im a single mom and that was very inconvenient, Especially around holiday time and my sons birthday, which is XX/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 2024-12-14 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: TN

Complaint narrative:
To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate items : 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 XXXXXXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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 XXXXXXXX are all inquiries that I did not and never authorized to run my credit, I have not asked for them to be run my credit and have no business with them. XXXX XXXX XXXX has a collection on my credit report and I have no business, nor have Fraudulent Collection Accounts : The following collection accounts have been inaccurately attributed to me and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balances : {$810.00} and {$210.00} The CRAs failure to remove these unauthorized inquiries and fraudulent accounts, despite my disputes, constitutes a violation of the FCRA Legal Violations : Failure to Ensure Maximum Possible Accuracy ( FCRA, 15 U.S.C. 1681e ( b ) ) : The CRAs are obligated to maintain accurate information on consumer reports. Reporting unauthorized inquiries and fraudulent collection accounts is a direct violation of this requirement.

Failure to Conduct a Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ( a ) ) : Ive asked numerous times to remove any address from my Credit report thats only has my ID and Bill addressed that has not been removed. Upon receiving my disputes, the CRAs were required to conduct a reasonable investigation into these items. Instead, they claimed the information was verified without providing supporting documentation or details of their investigation.

Unauthorized Inquiries ( FCRA, 15 U.S.C. 1681b ) : A credit inquiry must have a permissible purpose. The above-listed inquiries were made without my authorization, and the CRAs have failed to validate their legitimacy.

Impact on Me : These unauthorized inquiries and fraudulent collections have caused significant harm, including : A decline in my credit score. 
Denied access to credit opportunities. 
Reputational damage as a consumer. 
Emotional distress due to financial hardship.

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 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Resurgent capital / lvnv funding has violated my CFPB AND FCRA RIGHTS.

I have two different validation letters sent to this company. They have not responded to my debt validation letters at all but have recently added the 2 accounts to my transunion credit report on XXXX XXXX They also updated the balance on my XXXX credit report on XX/XX/year>. They have sent me emails from XX/XX/year> thru XX/XX/year>. This is a violation of 15 usc 1692 g. 

The company also accessed my credit report on XX/XX/year> without my consent which is a violation of my FCRA RIGHTS. 

Validation letters where written XX/XX/year> Sent certified mail on XX/XX/year> Received by company according to the USPS on XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: NC

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-15 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: CA

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-14 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: VA

Complaint narrative:
I have reached out to Experian a few months ago about reporting inaccurate accounts on my credit report that could not be verified by XXXX or XXXX. The other bureaus deleted the account but Experian continues to report the unverified account.

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 2024-12-14 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed 3 inquiries ( XXXX XXXX XXXX XXXX XXXXXXXX ) that I dont recognize and is hurting my ability to obtain credit. I would like for them to be removed immediately. Thank you.

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 2024-12-14 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: FL

Complaint narrative:
XXXX XXXX  account is not mine but appears on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: MD

Complaint narrative:
My request by law was denied for a 1099 because merchant claims the loan is not charged off. 

My credit report is saying account collection/charged off by merchant. 

Finally under 15 US code 1692c. Im title to a chain of debt custody from collection and debt validation.

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 2024-12-14 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: Security Credit Services, LLC
State: CA

Complaint narrative:
I am writing to dispute a fraudulent collection reporting on my credit report. I already disputed and reported this fraudulent account directly to XXXX and provided them the police reported dated on XX/XX/year>, which they deleted the fraudulent account from all three of my credit reports. However, after reviewing my credit, I was very frustrated when I saw that there was a collections account being reported on my credit that charge on my account in the amount of {$740.00}. 

I was a victim of identity theft, and those XXXX charges did not belong to me. Please see the enclosed police report, dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX  account number : 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