vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
I have been contacting all three credit bureaus since the year XXXX Regarding This account and all the inaccuracies they have been reporting since I have noticed since XXXX. I have disputed this account several times with all three credit bureaus and XXXX XXXX. I have requested debt validation, and I have never received that, I have requested a 1099C and notified them I have never received a 1099C. This account has been removed but also Violated the FRCA because I was not notified when it was reinstated. Over the years they have removed some of the inaccurate things but, continue to report inaccurate information. Some companies are reporting repeated charge-offs and repeated repossession. Each company always replies back to my disputes that, the account has been verified, and clearing it has not been verified, if they are reporting repeated charge-offs and repeated repossession on this account. They have not sought to get a 1099C from the company that is reporting the charge-offs. 
I have contacted all three credit bureaus, regarding the same issues and their reply would be, that they have verified the account as accurate. which having repeated charge-off and repossession on your credit file is illegal and damaging to my creditworthiness. According to the FCRA, all these companies that I have named above violate these laws. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information. 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. 15 U.S.C. 1681i ( a ) ( 5 ) Expedited Dispute Resolution 15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes. 15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA. 26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices. 26 U.S.C. 6050P : This statute mandates that canceled debts of {$600.00} or more must be reported to the IRS, and I should be furnished with a 1099-C form as evidence of 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 explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXXXXXX XXXX  XXXX Account # : XXXX To Whom It May Concern : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-10-02 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I attempted to open an account with XXXX and I was denied. When I inquired about why I was denied I was not given a reason, even after repeated inquiries. ChexSystems never informed me that they were going to report this information to any consumer reporting agency, and the information they reported was/is not completely accurate per the FCRA. I am a mother who needs bank accounts to receive funds to take care of my family. This denial hinders me from caring for my family. Failure to remove this information will result in me seeking appropriate legal remedy.

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 2024-10-02 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: VA

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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. 


Incorrect Names on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Unsecured Listed as Installment account on XXXX and on TransUnion as XXXX XXXX XXXX {$500.00} XX/XX/XXXX Listed as XXXX late payments but Paid.closed XXXX XXXX XXXX  XXXX No Amount listed No amount listed. Listed as Installment on TransUnion and as XXXX XXXX XXXX but Secured Loan on XXXX XX/XX/XXXX Secured Loan Listed as Paid/Closed with XXXX late payment XXXX XXXX XXXX XXXX {$150.00} Secured Card Listed as secured card on XXXX with XXXX late payments and revolving on XXXX as XXXX XXXX with XXXX late payments. Listed as XXXX late payments with TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Buyer Listed as open account on TransUnion and XXXX as XXXX XXXX XXXX and but listed as collections as XXXX XXXX XXXX on XXXX {$480.00} XX/XX/XXXX Credit XXXX XXXX XXXX XXXX XXXX Co XXXX 
Listed as Open Account on TransUnion but Collections on XXXX as XXXX XXXX and XXXX as XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Open Account on TransUnion but Collections on XXXX and XXXX XXXX 
{$310.00} XX/XX/XXXX XXXX  XXXX XXXX Listed as Charge off Business Card on XXXX but Listed as revolving on XXXX and revolving account TransUnion {$530.00} XX/XX/XXXX XXXX  XXXX XXXX Credit Card Listed as revolving on XXXX and revolving account on TransUnion but listed as credit card on XXXX. Listed as Closed Charge off {$200.00} 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 non-monetary relief
Consumer complaint received 2024-10-02 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:
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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX & XXXX Account XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX has violated my rights.

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.

Incorrect Names on Experian : XXXX XXXX XXXX Incorrect Addresses on Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Incorrect Employers on Experian : Movate Modeling Agency Incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Unsecured Listed as Installment account on XXXX and on XXXX as XXXXXXXX XXXX  XXXX {$500.00} XX/XX/XXXX Listed as XXXX late payments but Paid.closed XXXX XXXX XXXX XXXX No Amount listed No amount listed. Listed as Installment on XXXX and as XXXX XXXX XXXX but Secured Loan on Experian XX/XX/XXXX Secured Loan Listed as Paid/Closed with XXXX late paymenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
Listed as Open Account on XXXX but Collections on XXXX as XXXX XXXX and Experian as XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Open Account on XXXX but Collections on Experian and XXXX XXXX 
{$310.00} XX/XX/XXXX XXXX  XXXX XXXX Listed as Charge off Business Card on Experian but Listed as revolving on XXXX and revolving account XXXX {$530.00} XX/XX/XXXX Capital XXXX XXXX Credit Card Listed as revolving on XXXX and XXXX account on XXXX but XXXX as credit card on Experian. Listed as Closed Charge off {$200.00} 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 non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi TRANSUNION, I just checking my credit report and I saw this XXXX  XXXX BANKRUPTCY still showing up my credit report. I was told this inaccurate account shall delete from my credit report and I want to delete this bankruptcy as agreed by LAW.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi XXXX, I just checking my credit report and I saw this XXXX  XXXX BANKRUPTCY still showing up my credit report. I was told this inaccurate account shall delete from my credit report and I want to delete this bankruptcy as agreed by LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: CA

Complaint narrative:
I just checked and reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-10-02 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: FL

Complaint narrative:
Im devastated after discovering inaccurate accounts on my credit report today. I check it all the time, but suddenly, there are discrepancies that just dont make sense. I refreshed my browser, hoping it was a mistake, but nothing changed. Im asking for the documents Ive sent to be thoroughly reviewed because this is causing me so much stress, and I want it resolved.

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 2024-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They continue to call even when I have told them to stop calling and I was not paying a debt I don't owe. The debt was not correct and they haven't changed it so I am not paying it until fixed. They continuously call me multiple times throughout the day and I have repeatedly told them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # ( private case number ) 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 explanation
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-02 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: FL

Complaint narrative:
I was horrified to find inaccurate accounts on my credit report this morning, and Im baffled as to why theyre there. I check my credit regularly, but these discrepancies came out of nowhere. I refreshed my browser, thinking it was a glitch, but nothing changed. The incorrect accounts stayed on my report, and Im asking that my documents be carefully reviewed so I can finally stop stressing over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: AL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-10-02 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This formal complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Innovis credit reporting agency, block the information appearing on my consumer credit report that is a direct result of identity theft and fraud. Per federal law, you are required to block such information within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of the following : Personal Credit Card Account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). 
Auto Loan Account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). 
Personal Loan Account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). 
Collections Account opened at XXXX XXXX on XX/XX/XXXX, with a balance of $ ( private ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 
These fraudulent accounts have triggered multiple fraudulent hard inquiries and fraudulent collections on my consumer XXXX credit report, maintained by you, Innovis. I have attached a detailed list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report showing the aforementioned fraudulent items. 

Statement of Identity Theft : I do not recognize the above accounts, collections, or hard inquiries as being initiated, opened, or made by me. These items were not authorized by me in any capacity and are the result of identity theft and fraud. 

Attached for your review is a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), which serves as proof from the U.S. Federal Trade Commission that all of the accounts, collections, and hard inquiries listed above are, indeed, the result of identity theft and fraud. 

Immediate Action Required : Per FCRA 605B, Innovis must : Block all of the fraudulent items identified in this complaint from appearing on my credit report within 4 business days. 
Confirm in writing that the fraudulent items have been removed. 
Failure to comply with these federal requirements will leave you open to further legal action under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Please confirm the resolution of this complaint by sending a written response within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation