vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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 previously disputed derogatory account with XXXX XXXX  on multiple occasions and TransUnion has failed to do a proper investigation into this charged off account. Transition states that I did not provide proof of my mailing address which isn't true as my mailing address is on my bank statement along with a copy of my state issued ID, and social security card. According to FCRA credit reporting must be complete and accurate.TransUnion has violated US Code 1681e ) b ) by continuing to report this delinquent account that clearly shows errors. Payment history is inconsistent and incomplete.XXXX shows no payment history, XXXX shows charge off each month, XXXX shows incomplete information as well.Date of last activity is incomplete, date off first delinquency incomplete, delinquency first reported incomplete. I requested a method of verification from TransUnion on XXXX according to15 USC 1681i ( 7 ) which mandates XXXX  days for TransUnion to respond providing me with the information or the derogatory account must be removed. TransUinon has failed to complete a proper investigation which is shown by all of the errors with the account XXXX XXXX.This is not a request for another investigation or a chance to correct the report.This is a demand to DELETE derogatory account XXXX XXXX  and pay me {$1000.00} for the FCRA violation.

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 2024-05-03 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: TX

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 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 2024-05-03 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

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 2024-05-03 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2024-05-03 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: GA

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 2024-05-03 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: GA

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 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 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: FL

Complaint narrative:
I am filing this complaint to bring to attention the egregious and persistent failure of Vance & Huffman LLC to comply with the Fair Credit Reporting Act ( FCRA ), a failure that not only impacts me personally but sets a dangerous precedent for consumer rights violations nationwide. My previous complaint to the Consumer Financial Protection Bureau ( CFPB complaint number XXXX ) was met with a response so lacking in substance and accountability that it borders on contempt for both the regulatory process and the rights of consumers. Vance & Huffman LLC has demonstrated a pattern of behavior that shows a systemic disregard for the obligations imposed by the FCRA, specifically the requirement to notify consumers prior to reporting debts to credit bureaus. This notification is not a courtesy but a legal requirement, designed to protect consumers from unwarranted credit damage and to provide an opportunity to dispute incorrect or fraudulent claims. In my case, no such notification was provided. The debt was reported without my knowledge, without my consent, and without giving me any opportunity to address or dispute the claim. This action has not only potentially damaged my credit score but also my trust in the financial systems that are supposed to operate within the bounds of the law. Vance & Huffman 's reply to my initial complaint disregarded these concerns, focusing instead on a superficial acknowledgement of subsequent communication which does not address the initial violation. This approach is indicative of a broader operational ethos that prioritizes expedience over legality and consumer well-being. It is an ethos that underestimates the intelligence and rights of consumers and assumes a lack of accountability that I am here to contest. Their failure to address the root of the complaint in their responsea detailed, documented, and legally grounded notification of debt before any report to credit agencieshighlights a grave misunderstanding of or disregard for the laws that regulate their industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
look i cant find the house anywhere such the apprasial district i bought and paid cash for no mortgage but i can't get my irs taxes done because of my sister she wont tell me anything and the courts keep sending me what i already have. everything such as on the internet say that my property title someone might have a part of it .also there's is a women that works and leave somewhere by me with at leased the frist and last name are the same as mine i don't no about the middle name but my bank the irs are saying or asking do i need to change my name like i got a divorce and no i haven't because i've not been married in over XXXX  years where there's a marriage certificate also credit krama said that my address wasn't the one associated with my line of credit or name. this house isn't part of a trust i dont no which is because my sister took the will to probate and i cant get any information its like my sister is even trying to act like i either don't exist or is part of all this problem ive got alot of complaint on alot of companies because either they thougth i was XXXX or they listen to someone else is the way it seem but i raelly beleave that this other person is trying to take out a line of credit or a mortgage on my home that is paid off.

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 2024-05-03 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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: ID Analytics, Inc.
State: LA

Complaint narrative:
I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. 
It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office , the XXXX XXXX XXXX XXXX and the Federal Trade Commission XXXX This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself. 
Your immediate attention to this matter is required. Failure to comply with the demands outlined in this letter will compel me to pursue all available legal remedies to protect my interests and ensure compliance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: VA

Complaint narrative:
I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information.

As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: IL

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-03 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 am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX, Account # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me a updated credit report after you have completed your investigation and corrections. Your Cooperation and prompt attention are greatly appreciated.

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 2024-05-03 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: IL

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 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 2024-05-03 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: EQUIFAX, INC.
State: IL

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 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 2024-05-03 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: MA

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 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 2024-05-03 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: IL

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 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