vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
Subject : Complaint Regarding Unexplained Credit Score Decrease To Whom It May Concern, I am writing to formally file a complaint regarding an unexplained decrease in my credit score, which has significantly impacted my financial standing. I have always maintained good credit behavior and have never missed any payments. 
On XX/XX/year>, I contacted TransUnion to inquire about my credit score decrease. On XX/XX/year>, my credit score was XXXX, but it inexplicably decreased to XXXX in XX/XX/year>. On the same day, I also contacted XXXX to investigate the reason for my credit score dropping from 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 
Unfortunately, none of the credit reporting agencies provided a satisfactory explanation for these unexplained decreases. The representative from XXXX even advised me to contact FICO, which I did on XX/XX/year>. The FICO representative stated that they had nothing to do with the decrease in my credit score. 
For over 20 years, all of my payments have been in good standing. If any changes were made to my credit score, it is concerning that the three credit agenciesXXXX TransUnion, and XXXX not reach out to me before making such changes without my consent. Moreover, I have opted out of sharing my personal information with all three agencies. 
According to 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ) governs how consumer credit reports are accessed and promotes the privacy, accuracy, and fairness of personal information. Specifically, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. It is evident that XXXX, TransUnion, and XXXX have not followed these regulations, resulting in inaccuracies and unexplained decreases in my credit score. 
I respectfully request that this matter be investigated and resolved as soon as possible. My credit scores should be restored to their previous levelsXXXX XXXX XXXX TransUnion at XXXX, and XXXX XXXX XXXX 
Please refer to the attachment for further details Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
Subject : Complaint Regarding Unexplained Credit Score Decrease To Whom It May Concern, I am writing to formally file a complaint regarding an unexplained decrease in my credit score, which has significantly impacted my financial standing. I have always maintained good credit behavior and have never missed any payments. 
On XX/XX/year>, I contacted XXXX to inquire about my credit score decrease. On XX/XX/year>, my credit score was XXXX, but it inexplicably decreased to XXXX in XX/XX/year>. On the same day, I also contacted Equifax to investigate the reason for my credit score dropping from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX to understand why my credit score decreased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unfortunately, none of the credit reporting agencies provided a satisfactory explanation for these unexplained decreases. The representative from XXXX even advised me to contact FICO, which I did on XX/XX/year>. The FICO representative stated that they had nothing to do with the decrease in my credit score. 
For over 20 years, all of my payments have been in good standing. If any changes were made to my credit score, it is concerning that the three credit agenciesXXXX XXXX, and Equifaxdid not reach out to me before making such changes without my consent. Moreover, I have opted out of sharing my personal information with all three agencies. 
According to 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ) governs how consumer credit reports are accessed and promotes the privacy, accuracy, and fairness of personal information. Specifically, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. It is evident that XXXX, XXXX, and Equifax have not followed these regulations, resulting in inaccuracies and unexplained decreases in my credit score. 
I respectfully request that this matter be investigated and resolved as soon as possible. My credit scores should be restored to their previous levelsXXXX XXXX XXXX XXXXXXXX at XXXX, and Equifax at XXXX. 
Please refer to the attachment for further details Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: WI

Complaint narrative:
my information has been exposed in a data breach. XXXX have been tarnishing my credit reputation for months even after I've shown these accounts below do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-10 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: WI

Complaint narrative:
my information has been exposed in a data breach. XXXX have been tarnishing my credit reputation for months even after I've shown these accounts below do not belong to me. 

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 non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : XXXX, TransUnion, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : XXXX, XXXX, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for another vehicle when at the time the XXXX XXXX XXXX im speaking about was paid off in full a check was written out and paid to XXXX XXXX XXXX. Months passed and i realized that the vehicle was still on my credit report. i contacted the car dealership to verify that the vehicle was taken care of and it was confirmed by the dealership and i was sent a copy of the check that was sent to XXXX. Myself and the loan department spoke with XXXX and they said the amount they received wasnt the full amount which it was. XXXX had even sent the XXXX XXXX title to the dealership which shouldnt have even been possible if they werent paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MO

Complaint narrative:
ubject : Dispute of Incorrect Bankruptcy Reporting by Experian in Violation of FCRA and Related Laws Dear CFPB, I am filing this complaint against Experian for their continued failure to investigate and resolve my dispute regarding a bankruptcy inaccurately listed on my credit report. I believe this failure violates the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), as outlined in your recent lawsuit against Experian.

Details of the Dispute : Failure to Verify with 100 % Accuracy : Despite my repeated disputes, Experian has claimed they verified the bankruptcy with a third-party vendor but failed to demonstrate that the item is accurate, complete, and verifiable, as required under Section 605B of the FCRA.

Sham Investigation Practices : Experian has engaged in inadequate dispute investigations, relying solely on third-party vendors without conducting an independent and thorough review, a violation described in your lawsuit.

Violation of Accuracy Standards : The reporting of this bankruptcy lacks the required accuracy and completeness mandated by the FCRA. Experian 's refusal to remove this item without substantiating its validity undermines my rights under federal law.

Relevant Legal References : FCRA Section 605B : This section obligates Experian to block information that can not be verified as accurate, complete, and directly related to me. 
CFPB Allegations Against Experian : As noted in your XX/XX/year>, press release, Experian routinely fails to conduct proper investigations, mismanages consumer disputes, and allows inaccuracies to persist on consumer reports. 
Request for Resolution : I request the CFPB to enforce the following actions : Compel Experian to provide direct evidence that this bankruptcy is mine and that it is reporting with 100 % accuracy. 
Require Experian to remove the bankruptcy if they can not verify it in compliance with FCRA standards. 
Impose penalties on Experian for failing to adhere to federal laws protecting consumers from the consequences of inaccurate credit reporting. 
This unresolved dispute has negatively impacted my financial opportunities, access to credit, and overall well-being. I trust the CFPB will take appropriate action to ensure compliance and protect consumers like me. 

Thank you for your time and assistance. I look forward to your 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 explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX  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 in XXXXXXXX XXXX XXXX to be removed. 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. XXXX XXXX XXXX XXXX XXXX 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! Delete 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 2025-01-10 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX 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 in XXXX XXXX XXXX to be removed. 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. XXXX XXXX XXXX XXXX XXXX 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! Delete 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 explanation
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as usual, but this time there were discrepancies out of nowhere. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX - XX/XX/2021 As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to address the delinquent accounts listed on my credit report. Upon reviewing my recent credit report, I noticed discrepancies that raise significant concerns. Specifically, I question how and why my personal information was shared without my explicit consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to address the delinquent accounts listed on my credit report. Upon reviewing my recent credit report, I noticed discrepancies that raise significant concerns. Specifically, I question how and why my personal information was shared without my explicit consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief