vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom it may concern I am writing you regards to the inaccuracies that are being reported on my credit report which are in violations of my consumer rights.Also I was a victim of the XXXX XXXX breach. I am demanding that this information be corrected on my credit report. 

15 U.S. Code 1681 i ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly disputing the wrong information requesting for the information to be DELETED IMMEDIATELY. I only have one home address and that should be the only one reporting on my credit report. 

My current home address and only address is and has always been as follows XXXX XXXX Ct XXXX Ca, XXXX Addresses that dont belong to me and should not be reporting on my credit report is down below XXXX ). XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX Ca, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX North Highlands Ca, XXXX XXXX ). XXXX XXXX Way XXXX Ca, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca I also see phone numbers that do not belong to me the phone numbers are listed below XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX MY CURRENT EMPLOYER IS, XXXX Steps forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX There is multiple employers that are also being reported that should not be reporting on my credit profile. The employers that need to be deleted are listed below. 

XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in XXXX!!! 

Thanks kindly 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom it may concern I am writing you regards to the inaccuracies that are being reported on my credit report which are in violations of my consumer rights.Also I was a victim of the XXXX XXXX breach. I am demanding that this information be corrected on my credit report. 

15 U.S. Code 1681 i ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly disputing the wrong information requesting for the information to be DELETED IMMEDIATELY. I only have one home address and that should be the only one reporting on my credit report. 

My current home address and only address is and has always been as follows XXXX XXXX Ct XXXX Ca, XXXX Addresses that dont belong to me and should not be reporting on my credit report is down below XXXX ). XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX Ca, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX Way XXXX Ca, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca I also see phone numbers that do not belong to me the phone numbers are listed below XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX MY CURRENT EMPLOYER IS, XXXX Steps forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX There is multiple employers that are also being reported that should not be reporting on my credit profile. The employers that need to be deleted are listed below. 

XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Thanks kindly 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Counsel, Inc.
State: IN

Complaint narrative:
I received various phone calls from an unknown number beginning XX/XX/2024. During XXXX of the various attempts, a XXXX XXXX who stated he represents XXXX XXXX XXXX claimed he was calling in reference to an outstanding balance for my deceased mother. I did not return his call. No mail was received at my address. The harassing calls continued and I received voicemails stating that they were going to essentially force me to pay. End of XXXX XXXX of XX/XX/2024, XXXX called XXXX husbands phone asking to speak to me. When asking what the call was in reference to, he stated it was because I owed someone money. XXXX then gave him information regarding the debt. He then threatened my husband demanding payment or there will be negative consequences. My husband ended the call. The calls continued and I answered XXXX 's phone call on XX/XX/2024. He stated he was calling for an unpaid debt for my deceased mother. He did not verify any information with me to confirm the account and wanted to know how I intended to pay the debt. I told him the attorney I had previously been working with advised me not to pay said debt as there is no estate. XXXX told me I signed a document making me liable for said debt and that after seeing the paperwork, my attorney would advise me of same. I asked for the documents to be send over to review. I received the documents via email from a representative from the company. They are attached below. While my signature was reflected on the document, I was not the POA at that time. That section appears to have been filled in by someone else. Regardless, I am not liable for said debt. It it clearly defined within the perimeters of the contract. They have not used CFPB approved forms, granted proper service, read the XXXX XXXXXXXX, and have continued to harass/threaten myself and my family for a debt I do not owe. Furthermore, the email with the paperwork stated that the company is based out of Florida and I am located in Indiana ; therefore, I believe there may be come jurisdictional issues as well.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the XXXX possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the XXXX  possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX...

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
I pulled my XXXX  credit report and noticed XXXX unauthorized/fraudulent inquires from XX/XX/year> -XXXX XXXX XXXX I pulled my XXXX credit report and noticed XXXX unauthorized/fraudulent inquiries from 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account Name : XXXX Account # : XXXX This account has been furnished on my credit report without my permission. I recently wrote a complaint and they simply updated their remarks saying consumer disagrees. I have not given you written permission to put anything on my credit profile which violates 15 USC 1681b2. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX it has come to my attention that you illegally reported my information to unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Delete this account immediately. 

XXXX does not have to my permission to post on my consumer report. They are also violating their own contractual agreements as shown in the attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account XXXX : XXXX Account # : XXXX This account has been furnished on my credit report without my permission. I recently wrote a complaint and they simply updated their remarks saying consumer disagrees. I have not given you written permission to put anything on my credit profile which violates 15 USC 1681b2. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX it has come to my attention that you illegally reported my information to unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Delete this account immediately. 

XXXX does not have to my permission to post on my consumer report. They are also violating their own contractual agreements as shown in the attachments below.

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 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Let me first bring to your attention my mortgage has never been late. However, the payments sent via system transfer monthly for {$1400.00} but instead it caused my mortgage to become delinquent due to the process decision. Here are the reasons : Discrepancies # XXXX Forward mortgage approved from XX/XX/XXXX to XX/XX/XXXX, for $ XXXX via system transfer monthly for {$1400.00} First payment sent XX/XX/XXXX was credit on XX/XX/XXXX Second payment XX/XX/XXXX credit on XX/XX/XXXX Third payment XX/XX/XXXX credit XXXX Fourth payment XX/XX/XXXX credit on XX/XX/XXXX Fifth payment XX/XX/XXXX credit on XX/XX/XXXX XXXX payment XX/XX/XXXX credit on XX/XX/XXXX I continue to receive past due statements for XXXX {$2900.00}, XXXX {$2900.00} and XX/XX/XXXX {$4400.00} and the arrears continue to increase. 
Discrepancies # XXXX Modification was denied said I was unemployed ( not true ) I faxed 30 days of my pay stubs. 
Discrepancies # XXXX Foreclosure Discrepancies # XXXX XXXX XXXX said that they did not receive my acceptance and the verbal deferment is now expired. 
Discrepancies # XXXX XXXX XXXX put me in a Second Principal Balance for {$10000.00}. 
Discrepancies # XXXX Government approved me a Mortgage Reinstatement in the amount of {$8900.00} through XX/XX/XXXX under First Principal Balance and my mortgage company sent the fund back and gave no reason and did not apply the fund to my mortgage loan. 
My mortgage have caused me financial hardship, stress and anxiety. 
Thank you for your kind consideration. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed.

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