vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Info XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Collection/Charge OfXXXX XXXX XXXX XX/XX/XXXX {$410.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: AZ

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-11-27 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-11-27 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: SC

Complaint narrative:
I, XXXX XXXX, discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws regarding the accuracy and handling of my credit information. These violations have caused me significant distress and inconvenience, and I am taking steps to ensure they are corrected. 

Willful Noncompliance ( FCRA Section 616 ) : My credit information was accepted and reported without proper verification of its accuracy, which is a clear violation of the law.

Failure to Disclose Consumer Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of sharing my personal information, a deceptive omission that infringes on my consumer protections.

Deceptive Reporting ( FCRA Section 623 ( a ) ( 3 ) ) : There were inaccurate inquiries and accounts added to my report without proper validation or adherence to standards.

Unfair Debt Collection Practices ( FDCPA Violations ) : Debt collectors engaged in harassment by reporting debts without my consent and failing to validate them.

Unauthorized Sharing of Debt Information : My personal information was inappropriately shared with third parties, violating regulations that protect my privacy.

Inaccurate Reporting of Late Payments : My credit report included false claims of late payments without any clear definition or justification.

Permissible Purpose Violations ( FCRA Section 1681b ( a ) ( 2 ) ) : Hard inquiries were made on my credit report without my written consent, which is against the law.

In response, I took action by demanding : Immediate correction of inaccuracies, including deleting incorrect addresses and updating several late payment records as paid as agreed.

Validation or removal of alleged debts under 15 U.S. Code 1692g, requiring collectors to provide proof or delete unverifiable items.

Removal of unauthorized hard inquiries, as they lacked my explicit consent.

This is about protecting my rights and holding those accountable who have mishandled my credit information. I have made my expectations clear : I want these issues resolved promptly and accurately. If they are not, I will have no choice but to pursue legal remedies under the FCRA and FDCPA to ensure my rights are upheld.

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 2024-11-27 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: NY

Complaint narrative:
It's my second time writing this complaint. The accounts that were fake were explicitly mentioned in the claim I made to your organization last month XX/XX/scrub>XXXX XXXX XXXX As a result, there are still accounts on my credit report that shouldn't be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-27 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TrueAccord Corp.
State: GA

Complaint narrative:
I wrote to formally dispute the alleged collection account associated with my credit report, referenced as TrueAccord Corp . This dispute is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ), which affords me the right to request validation of the alleged debt.

Under the FDCPA, I demanded that compliance officer, XXXX XXXX XXXX, provide full and complete validation of the debt. Specifically, I request the following : Proof that the alleged debt exists and that I am legally obligated to pay it. 
A copy of the signed agreement or contract that created this debt. 
A detailed accounting of the amount owed, including all charges and payments made. 
Documentation demonstrating that TrueAccord , Inc. has the legal authority to collect this debt. 

If you are unable to provide the requested validation, he must immediately cease all collection efforts, including reporting this account to any consumer reporting agencies, and delete the collection from my credit report. 

Additionally, I invoked my rights under 15 U.S. Code 1692c ( c ) to demand that XXXX XXXX XXXX and TrueAccord cease and desist all communication with me regarding this matter, except for the purposes explicitly permitted under the FDCPA, such as providing the requested validation or confirming the closure of this account. 

I also requested that this matter be brought to the attention only of the compliance officer, XXXX XXXX XXXX, for thorough investigation to ensure that your practices comply with federal regulations. 

Failure to validate this debt or to comply with this cease-and-desist request may result in legal action and a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC XXXX XXXX 

XXXX XXXX XXXX and TrueAccord is required by law to respond to this request in writing within 30 days of the date you receive this letter. If I do not receive a satisfactory response within this timeframe, I will assume that this debt is not valid, and I will take appropriate steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-27 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-27 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: TN

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
I am writing to formally dispute the alleged collection account associated with my credit report, referenced as XXXX XXXX, XXXX. This dispute is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ), which affords me the right to request validation of the alleged debt.

Under the FDCPA, I demand that compliance officer, XXXX, XXXX investigate this matter providing a full and complete validation of the debt. Specifically, I request the following : Proof that the alleged debt exists and that I am legally obligated to pay it. 
A copy of the signed agreement or contract that created this debt. 
A detailed accounting of the amount owed, including all charges and payments made. 
Documentation demonstrating that XXXX XXXX, XXXX XXXX XXXX has the legal authority to collect this debt. 

Additionally, I am invoking my rights under 15 U.S. Code 1692c ( c ) to demand that XXXX, XXXX, XXXX XXXX cease and desist all communication with me regarding this matter, except for the purposes explicitly permitted under the FDCPA, such as providing the requested validation or confirming the closure of this account. 

Again, I requested that this matter be brought to the attention only of the compliance officer, XXXX, XXXX, for thorough investigation to ensure that your practices comply with federal regulations. 

XXXX, XXXX and XXXX XXXX are required by law to respond to this request in writing within 30 days of the date you receive this letter. If I do not receive a satisfactory response within this timeframe, I will assume that this debt is not valid, and I will take appropriate steps to protect my 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 2024-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
I JUST DISCOVERED THE OPEN COLLECTION AMOUNT ON MY CREDIT REPORT. I SPOKE TO THE DEBT COLLECTION COMPANY ( SPOKE TO XXXX XXXX ) AND TOLD THEM I HAD INSURANCE AT THE TIME OF THE TEST. I TOLD THEM TO CONTACT THE CREDITOR, XXXX XXXX XXXX, BUT THEY REFUSED TO CONTACT THE PROVIDER. I JUST SPOKE TO THE BILLING AREA OF THE PROVIDER ( TO WHOM I PRESENTED A VALID HEALTH INSURANCE CARD TO AT THE TIME OF SERVICE IN 2021 ), AND THEY INDICATED THEY WOULD FOLLOW UP AND CORRECT IT. THE PERSON IN THE BILLING AREA OF THE SERVICE PROVIDER GOES BY THE NAME OF 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian is absolutely horrific for customer service. It is IMPOSSIBLE to speak to a live representative over the phone. Try it yourself - you won't get through. There are so many people complaining all over the internet about it, it's insanity. XXXX and XXXX are great, but Experian seems to not care as they have the market share.

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