vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any entries associated with identity theft removed from my credit file. 
The following fraudulent account and inquiries are to be deleted from my credit report : Fraudulent Account : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$660.00} Fraudulent Inquiries : XXXX BANK Inquiry Date : XX/XX/year> BANK XXXX XXXX XXXX Date : XX/XX/year>

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any entries associated with identity theft removed from my credit file. 
The following fraudulent account and inquiries are to be deleted from my credit report : Fraudulent Account : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$660.00} Fraudulent Inquiries : XXXX BANK Inquiry Date : XX/XX/year> BANK XXXX XXXX XXXX Date : XX/XX/year>

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 2024-11-01 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:
As I reviewed my recent report, I have found a lot of erroneous and fraudulent information reporting on my TRANSUNION Credit Report and I am refilling this complaint. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number 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 2024-11-01 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  # XXXX XXXX XXXX FIN # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency XXXX include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-01 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: FL

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items. 

Collection/Charge Off XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX Late XXXX XXXX Account Number XXXX XXXX Personal Information : Former : XXXX XXXX Name : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
XXXX Bank is showing XXXX late payments on my credit report from almost 7 years ago. I never had a XXXX Bank XXXX XXXX, and i've been trying to get these off for 7 years as it ruined my credit and caused a lot of financial distress. i'd like these late payments removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: MI

Complaint narrative:
I am writing to dispute the erroneous reporting of XXXX accounts on my credit report, which violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. The inconsistencies and inaccuracies found across XXXX, XXXX, and TransUnion data fail to meet the required standards for accurate and verifiable reporting. Please review the violations below and update the records accordingly. Any failure to correct these inaccuracies will be deemed as willful noncompliance and grounds for further legal action. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Inconsistent Payment Status : Each bureau reports a " Late 30 Days '' status, along with a history of lates, yet lacks standardization across comments and documentation. Please substantiate or remove this reporting. 
XXXX XXXX XXXX : The high credit is reported as {$300000.00}. I request verification of this figure as it appears outdated and not reflective of accurate reporting. 
Discrepant Last Payment Dates : XXXX and TransUnion report XX/XX/XXXX, while XXXX XXXX XX/XX/XXXX, violating XXXX XXXX requirements for uniformity. Align or correct this data. 
Inconsistent Reporting Dates : XXXX reported dates varyXXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and TransUnion ( XX/XX/XXXX ). Such discrepancies undermine the reliability of this data. 
Terms ( Months ) : XXXX and TransUnion report 588 months, while XXXX lists 0 months, which is implausible. Please correct to ensure compliance with XXXX XXXX formatting. 
Non-Uniform Comments Section : XXXX inclusion of " Real Estate Mortgage, Conventional Mortgage '' without corresponding comments in XXXX and TransUnion indicates incomplete data submission, which does not meet compliance standards. 
XXXX. XXXX XXXX Account ( Account Number : XXXX ) Contradictory Account Status : XXXX and XXXX report this account as " Paid, '' while TransUnion lists it as " Closed. '' I request immediate clarification and alignment across all bureaus. 
Inconsistent Last Reported Dates : The dates last reported are different on each bureau : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and TransUnion ( XX/XX/XXXX ). Such inconsistency reflects noncompliance with XXXX XXXX reporting standards. 
Opening Date Discrepancies : The dates differ across bureaus for this account, which must be uniform and verifiable. 
Late Payment Status Variance : TransUnions report of a " 30 Days Late '' payment contradicts the clear Current status reflected by other bureaus, which should not stand if unsubstantiated.

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 2024-11-01 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: UT

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting.

To Whom It May Concern : I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection
, impacting my financial standing unjustly.

Payment History and Errors TransUnion inaccurately continues to list a 30-day late payment in XXXX, even though previous disputes have not led to correction. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by TransUnion. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-11-01 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: PA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below, which were created in my name without authorization due to a data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request the prompt removal of these entries from my credit report.

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and the following accounts and inquiries were not authorized by me.

Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-01 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: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
CKS PRIME hasn't provided any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that CKS PRIME has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that CKS PRIME currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, under 15 USC 1692 C, the law clearly states Consumer notifies a debt collector, the consumer refuses to pay a debt, the debt collector must cease all communication and remove item from my credit report, per **Fair Credit Reporting Act ( FCRA ) ** - Located in 15 U.S.C. 1681-1681x, this act regulates the collection, dissemination, and use of consumer information, including credit information, and gives consumers the right to dispute inaccurate information in their credit reports.

These laws collectively aim to promote fair lending practices and protect consumers from unjust denial of 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 2024-11-01 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: NY

Complaint narrative:
To Whom It May Concern, In addition to the inaccuracies previously outlined, I am also disputing the erroneous reporting of the DISCOVERBANK account on my credit report, which further violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. Please review the following violations and update the records as required. This letter serves as an official demand for correction ; failure to act on these requests will result in escalated actions, including potential legal proceedings. 
XXXX  Account ( Account Number : XXXX ) Duplicated High Credit and Credit Limit Values XXXX XXXX XXXX both " High Credit '' and " Credit Limit '' as {$3500.00}. This duplication is misleading and fails to comply with XXXX XXXX guidelines, which mandate accurate and distinct values in each field. Please correct or substantiate this data. 
Inconsistent Terms ( Months ) : XXXX incorrectly reports " XXXX '' months for the account term. For revolving credit accounts, " Terms '' should either be left blank or reflect the revolving nature. 
Please correct this field in accordance with XXXX XXXX standards. 
Conflicting Last Payment Dates : XXXX reports the " Date of Last Payment '' as XX/XX/year>, while XXXX and TransUnion XXXX XX/XX/year>. I request immediate verification and standardization of this date to meet compliance guidelines. 
Discrepancy in Last Reported Date : Different reporting dates appear for the same account XXXX ( XX/XX/year> ), XXXX ( XX/XX/year> ), and TransUnion ( XX/XX/year> ). This lack of synchronization indicates negligence in maintaining accurate data. 
Inconsistent Comments Section : Each bureaus comments vary, showing : o Experian : " Account Was In Dispute - Now Resolved - Reported By Subscriber. '' o XXXX : " Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o TransUnion : " Dispute Resolved ; Reported By Grantor. '' These discrepancies suggest that the bureaus are not uniformly updating records, violating the FCRAs requirement for accurate, complete, and verifiable data across all platforms.

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 2024-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I am filing this complaint regarding Zion Debt Holdings a collection agency that reported a debt to both me and my husband 's XXXX credit file without providing prior notification, as required by the Fair Debt Collection Practices Act ( FDCPA ). I sent written correspondence to the collection agency to request verification of the debt, they failed to provide adequate documentation and instead attempted to continue collection and reporting of this outdated account. This debt is over XXXX years old based on the document they sent, which, according to the Fair Credit Reporting Act ( FCRA ), should not be reported on my credit report. I request that the reporting of this debt be removed from my XXXX credit report, as it has unfairly impacted my credit score and violates both FDCPA and FCRA guidelines. Zion Debt Holdings has not removed this from my credit even with my attempt to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief