vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Creditor Name : XXXX XXXX  Date : XX/XX/23 Actions : I called Transunion and they said to contact the creditor and when I did contact the creditor they would not assist me in removing the inquiry.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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:
My identity has been compromised since the year XXXX. The thieves used my stolen information to obtain an auto lease with XXXX XXXX. I became aware of this situation in XX/XX/XXXX after receiving numerous credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, I reviewed my credit report and then noticed this account, which I was also completely unaware of. This account has been negatively reported since XX/XX/XXXX which is significantly affecting my credit score. I've disputed this account numerous times with no result and also have not received any information regarding this account from the company.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My identity has been compromised since the year XXXX. The thieves used my stolen information to obtain an auto lease with XXXX XXXX. I became aware of this situation in XX/XX/XXXX after receiving numerous credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, I reviewed my credit report and then noticed this account, which I was also completely unaware of. This account has been negatively reported since XX/XX/XXXX which is significantly affecting my credit score. I've disputed this account numerous times with no result and also have not received any information regarding this account from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX is showing Charge off bad debt wage earner plan XXXX XXXX when i explain for over 2mths im not im in a 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 2023-04-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
I was initially contacted by representatives from Williams & Fudge in early 2019 who attempted to collect a debt that I did not owe. Despite not providing appropriate and authentic debt verification when requested as well as ignoring numerous documentation and attachments I provided that indicated the debt they were attempting to collect was not mine, they persistently harassed me and continuously contacted me trying to collect it with no evidence. After repeatedly telling there representatives to stop contacting me since there was no active proof that this debt was authentically mine, I was pushed to the point of seeking legal action for the continuous harassment. Once I had mentioned the legal threats, they finally seemed to understand that this debt isn't mine and stopped contacting me about it. For whatever reason, they recently seemed to try to send an email which appeared as spam in which they said that if they don't hear from me, they will assume the debt is mine. This is absurd and obviously a malicious tactic as I already indicated dozens of times previously that the debt they are attempting to collect is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
XXXX has made false & misleading information in regard to their policy of identity theft items in ongoing disputes. I've provided an police report stamped by an officer & the items are not blocked nor removed the consumer report which violates FCRA 605 ( b ). The item disputed should've been blocked within 4 days. It is not therefore they have violated Fair Credit Report Act. 

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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 submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of late payments by XXXX XXXX XXXX on my credit report. The false reporting of late payments has resulted in a negative impact on my credit score, which is affecting my ability to obtain credit or other financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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:
I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of late payments by XXXX XXXX XXXX  on my credit report. The false reporting of late payments has resulted in a negative impact on my credit score, which is affecting my ability to obtain credit or other financial services.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these is a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've tried to open a credit card to build my credit score. Unfortunately, I made a mistake in my personal information, which may be why my requests have been declined. 

On the XXXX of XXXX, I completed and submitted the XXXX form for XXXX XXXX  Change of Address Card. However, when I was opening a XXXX  checking account, they told me to use the old address as a proof address, since then I have been using my old address as per their instruction when I was applying for a credit card, and I think this confusion has to be a reason why my applications for a credit card were declined ( except XXXX credit card, it was approved ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX application for business credit card

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete from my report with this agency for violating compliance procedures. Thank you in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX  is showing Charge off bad debt wage earner plan XXXX XXXX when i explain for over 2mths im not im in a 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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX  is showing Charge off bad debt wage earner plan XXXX  XXXX when i explain for over 2mths im not im in a 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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Im reporting that I have proof of illegally reporting inaccurate information about me.with the following collection past due dates and balances of the amounts. This is a violation of FCRA and I have a right to a completely accurate credit report and if not true I would appreciate it it if you PLEASE IMMEDIATELY REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX TransUnion reporting open XXXX closed XXXX closed ( incorrect delete item by law ) XXXX XXXX XXXX TransUnion reporting closed XXXX closed XXXX open ( incorrect delete item by law ) XXXX XXXX TransUnion date incorrect XXXX  date wrong XXXX I date incorrect These are effecting my life by not being reported correct all I ask for is to be DELETED AND REMOVED FROM MY CREDIT REPORT 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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im reporting that I have proof of illegally reporting inaccurate information about me.with the following collection past due dates and balances of the amounts. This is a violation of FCRA and I have a right to a completely accurate credit report and if not true I would appreciate it it if you PLEASE IMMEDIATELY REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX reporting open Experian closed XXXX closed ( incorrect delete item by law ) XXXX XXXX XXXX XXXX reporting closed Experian closed XXXX open ( incorrect delete item by law ) XXXX XXXX TransUnion date incorrect Experian date wrong XXXX I date incorrect These are effecting my life by not being reported correct all I ask for is to be DELETED AND REMOVED FROM MY CREDIT REPORT 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 explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In total, fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent which is significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Included is documentation I've from the XXXX XXXX XXXX which confirms that these debts have been consolidated.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In total, fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent which is significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Included is documentation I've from the XXXX XXXX XXXX which confirms that these debts have been consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In total, fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent which is significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Included is documentation I've from the XXXX XXXX XXXX which confirms that these debts have been consolidated.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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:
The Credit Bureaus stated that my XXXX XXXX  account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Credit Bureaus stated that my XXXX XXXX  account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.

Company response to consumer: Closed with explanation