vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failed Account Investigation Violations of 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1666b, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. **15 U.S.C. 1681s-2** : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation. 

2. **15 U.S.C. 1681i** : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard. 

3. **15 U.S.C. 1637 ( b ) ** : Under the **Truth in Lending Act ( TILA ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges. 

4. **15 U.S.C. 1666b** : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred. 

5. **Truth in Lending Act ( TILA ) ** : Under TILA, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.

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 2024-09-11 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: OH

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I have tried disputing the bankruptcy on my credit file for almost 10 years now ( XXXX is 10 years ), everytime I get back verified through XXXX. I called court house to see if they disclose any bankruptcy information to third party companies in which they said NO we do not. XXXX just removed it a few days ago and XXXX, Transunion will not remove. 
Im requesting original validation, which none of them have. They are putting on credit report without having validation of the account. Disclosing public records without proof is violating my consumer rights. This has affected me for 10 years now.

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 2024-09-11 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: VT

Complaint narrative:
I have tried disputing the bankruptcy on my credit file for almost 10 years now ( XXXX is 10 years ), everytime I get back verified through XXXX. I called court house to see if they disclose any bankruptcy information to third party companies in which they said NO we do not. XXXX just removed it a few days ago and Equifax, XXXX will not remove. 
Im requesting original validation, which none of them have. They are putting on credit report without having validation of the account. Disclosing public records without proof is violating my consumer rights. This has affected me for 10 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Again this company is using deceitful practices acts. I am getting letters in the mail every day from attorneys alerting me that a lawsuit has been filed against me. These are attorneys that want to represent me. I do not know what they are talking about, no one has sent me anything. However, after looking up my name I see a lawsuit was filed by XXXX XXXX, XXXX. This is a bogus lawsuit. The statue of limitations according to the credit report would of expired in 2023. ( 12 cfr s 1006.26 ( b ) I AM ON SOCIAL SECURITY XXXX. I AM XXXX. MY ACCOUNT IS PROTECTED FROM GARNISHMENT. YOU WILL NOT GET ANYTHING FROM ME. They are continuing to harass me. The last report I filed against them was for giving my info out to someone other than me. They are a deceitful company. They need to withdrawal this bogus lawsuit and stop harassing me. 
Remove all the accounts associated with this company, they do not know how to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: MO

Complaint narrative:
I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT : XXXX XXXX  ACCOUNT NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE XXXX ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. After you have finished my request, send me a copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: TN

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 XXXX XXXX  ; Account number : XXXX, XXXX  XXXX ; Account number : XXXX, XXXX  XXXX ; Account number:XXXXXXXX XXXX ; Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Department of Education ; Account number : XXXX, Department of edXXXX XXXX XXXX Account numberXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 number:XXXX, Department of Education ; Account number : XXXX, Department of ed/XXXX XXXX XXXX Account numberXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: MO

Complaint narrative:
This is Unifin, a debt collector. We have an important message regarding your XXXX balance {$280.00}. If this is a mistake, report : XXXX XXXX XXXX  Reference # : XXXX Call us at XXXX or Self-service : XXXX XXXX XXXX Reply STOP to opt-out I keep getting these texts.. I have never had a XXXX account. Any time I ask for info they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: CA

Complaint narrative:
After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.

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 2024-09-11 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: AZ

Complaint narrative:
I have diligently communicated the disputed nature of this alleged debt to each of the three major credit bureaus : XXXX, TransUnion, and XXXX. These communications were sent via certified mail, providing detailed information about the lack of validity of the debt claim, including : 1. Copies of my correspondence with XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
2. Documentation showing their failure to produce a valid contract with my signature.

3. Evidence of the creditors ' acknowledgment that no such contract exists.

4. My consistent assertion that I did not apply for or authorize this debt. 

Despite providing this comprehensive information, XXXX, TransUnion, and XXXX have refused to remove the disputed entry from my credit reports. This refusal persists even though I have clearly demonstrated that the alleged debt lacks proper verification and legal standing. 

The credit bureaus ' failure to act on this information is in direct contradiction to their obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. Given the evidence I have provided, a reasonable investigation should conclude that this alleged debt is not verifiable and should be removed from my credit reports. 

The continued reporting of this unverified debt by XXXX, TransUnion, and XXXX is causing undue harm to my credit standing and financial reputation. Their inaction in the face of clear evidence demonstrates a disregard for the accuracy and fairness principles that underpin the credit reporting system and are in violation of FCRA 605 ( b ) ( U.S.C. 1681c-2 ), Requires removal of each item from my credit report within four days of this complaint submitted.

I have fulfilled my responsibility as a consumer by promptly and thoroughly disputing this inaccurate information. The credit bureaus ' failure to appropriately respond to and act on this dispute raises serious concerns about their commitment to maintaining accurate credit reports and protecting consumers ' rights.

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 2024-09-11 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: AZ

Complaint narrative:
I have diligently communicated the disputed nature of this alleged debt to each of the three major credit bureaus : Equifax, XXXX, and XXXX. These communications were sent via certified mail, providing detailed information about the lack of validity of the debt claim, including : 1. Copies of my correspondence with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
2. Documentation showing their failure to produce a valid contract with my signature.

3. Evidence of the creditors ' acknowledgment that no such contract exists.

4. My consistent assertion that I did not apply for or authorize this debt. 

Despite providing this comprehensive information, Equifax, XXXX, and XXXX have refused to remove the disputed entry from my credit reports. This refusal persists even though I have clearly demonstrated that the alleged debt lacks proper verification and legal standing. 

The credit bureaus ' failure to act on this information is in direct contradiction to their obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. Given the evidence I have provided, a reasonable investigation should conclude that this alleged debt is not verifiable and should be removed from my credit reports. 

The continued reporting of this unverified debt by Equifax, XXXX, and XXXX is causing undue harm to my credit standing and financial reputation. Their inaction in the face of clear evidence demonstrates a disregard for the accuracy and fairness principles that underpin the credit reporting system and are in violation of FCRA 605 ( b ) ( U.S.C. 1681c-2 ), Requires removal of each item from my credit report within four days of this complaint submitted.

I have fulfilled my responsibility as a consumer by promptly and thoroughly disputing this inaccurate information. The credit bureaus ' failure to appropriately respond to and act on this dispute raises serious concerns about their commitment to maintaining accurate credit reports and protecting consumers ' rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-09-11 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 consist of XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, another account resurgent receivables XXXX opened on XXXX account number XXXXXXXXanother account is national credit adjusters opened XXXX account number XXXX, another account is XXXX XXXX opened on XXXX XXXX account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-09-11 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: TN

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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