vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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:
The Federal Credit Report Act promotes the accuracy, fairness, and privacy of information in a credit report.

Transunion continues Violating my rights by posting inaccurate information in my credit, I have affirmed in several times that I am not liable for the debt of Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX Account number : # XXXX I do not have a contract with any of those creditors. 
I demand those accounts to be removed from my credit report I have requested Transunion to show me proof and provide me with the original documents I have requested Transunion to provide the Step-by-Step process used in the investigation Who did they contact? 
What are names of the people they talk to?

What is the Method of Verification?

SEVERAL TIME I have requested to open an investigation they continue lying about the information Investigation is " the act or process of examining a problem, crime, statement carefully, especially to discover the truth '' I request Transunion to show me the process used in the investigation Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.

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 2025-03-18 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: CA

Complaint narrative:
I am writing to dispute a fraudulent account that is currently appearing on my credit report. I believe that my personal information has been compromised and used to open an unauthorized credit card. 
The account in question is : Creditor : XXXX XXXX XXXX  Date Opened : XX/XX/2024 I have never authorized or applied for a credit card with XXXX XXXX XXXX. This account is not mine, and I am a victim of identity theft. 
I contacted XXXX XXXX XXXX directly and reported the fraudulent activity. They have closed the account. 
Despite XXXX XXXX XXXX closing the account, it continues to appear on my credit reports, negatively impacting my credit score. 
Please find FTC Identity theft report attached.

I am requesting that you : Conduct a thorough investigation into this matter. 
Immediately remove the XXXX XXXX XXXX account from my credit report as it is a result of fraudulent activity. 
Ensure that my credit report reflects my true credit status, which is on-time payments, and no negative fraudulent accounts. 
I expect a prompt resolution to this matter. 
Thank you for your immediate attention to this serious issue.

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 2025-03-18 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-18 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: OH

Complaint narrative:
Experian continue to report inaccurate information. I have deputed this multiple times and each time its comes back VERIFIED. 

15 USC 16811 ( a ) ( 6 ) B ) iii I have requested that each credit bureau provide ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency. Each credit has not provided that information to by written correspondence as requested. 

XXXX XXXX XXXX  has sold this account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  continues to report a balance, the credit report does not reflect that it has been sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA Section 1681s-2 : This section of the FCRA requires that data furnishers ( like the original creditor or debt collector ) report accurate and complete information to credit reporting agencies.

" Under Section 1681e ( b ) of the FCRA, I dispute the inaccurate reporting of this account, as the original creditor should no longer be reporting this account after it was sold.

The credit bureaus have compliance procedures and are required to assure maximum accuracy on your credit report 15 U.S. Code 1681 ( e ) Experian fails to conduct a proper investigation into disputed information on credit report Sham Investigations How can XXXX XXXX XXXX be verified as accurate but sold to a collection agency. Experian continues report it but it does bot reflect being sold, and reports a balance this is FCRA violation. 

Please permanently remove from credit report immediately.

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 2025-03-18 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TN

Complaint narrative:
I am a victim of identity theft and my information was leaked in the Equifax data breach. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this closed collection off my credit report within 4 days. Collection accounts : XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX, XXXX XXXX XXXX {$800.00} XXXX XXXX, XXXX {$350.00} XX/XX/year>, XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TN

Complaint narrative:
I am a victim of identity theft and my information was leaked in the Equifax data breach. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this closed collection off my credit report within 4 days. Collection accounts : XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX, XXXX XXXX XXXX {$800.00} XXXX XXXX, XXXX {$350.00} XX/XX/year>, XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-18 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:
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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-18 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: PA

Complaint narrative:
Seeing an unauthorized inquiry on my credit report this morning was both confusing and infuriating. I have no idea where it came from, and despite refreshing my browser, it is still there. This issue needs to be addressed immediately, and I expect a full review of the documents I provided so I can stop worrying about this.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: OH

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Dear Equifax, I am writing to request that you remove the fraud alert currently on my credit report. I have taken steps to resolve the issue and ensure my identity and credit are secure. 

I would greatly appreciate it if you could remove the fraud alert from my credit report. 
I'm in the home buying process and my mortgage company are not able to obtain my credit file due to a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
Urgent Dispute Reinserted Incorrect Account on Credit Report Dear [ XXXX/Experian ], I previously submitted a dispute regarding an incorrect account on my credit report, and after review, it was removed. However, I recently noticed that the same account has been reinserted into my report, negatively affecting my credit score.

According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), a credit bureau can not reinsert a previously deleted account without notifying me in writing within five business days and ensuring that the furnisher of the information has certified its accuracy. I have not received such notice, and I demand an immediate investigation into this 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 explanation
Consumer complaint received 2025-03-18 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have a few inquiries that were reported to my credit including collections that are not mines but are being reported Ive disputed the issue they will not and have refused to remove it I called collections same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Subject : Request for Block and Deletion of Information Due to Data Breach ( Pursuant to 15 U.S.C. 1681c-2 ( a ) ) To Whom It May Concern, I am writing to formally request that XXXX block and delete all accounts and information associated with my name and Social Security number that have resulted from a data breach, as provided under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ). 

I have been a victim of a data breach, and I believe my personal information has been compromised. To protect myself from potential identity theft and fraud, I am requesting that XXXX block and remove any accounts, inquiries, or information related to the breach from my credit report. 

Account Name : XXXX  Account Number : XXXX I understand that XXXX is required to block and delete the information within four business days of receiving this request, as outlined under 15 U.S.C. 1681c-2 ( a ). Please confirm in writing once the requested block and deletion have been completed. 

If you require any additional information to process this request, please contact me at XXXX ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation that the requested actions have been taken. 


Sincerely, 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 2025-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
XXXX caused me to file for forbearance in XX/XX/XXXX. I came out of my forbearance in XX/XX/XXXX. The modification post forbearance did not include a va deferred on the payments I missed. Carrington mortgage will not put the XXXX on the rears of the note. They keep telling me va home loans do not qualify. A cares act publication from XX/XX/XXXX states that it can be put in the rears on the loan. Covid state of emergency ended XX/XX/XXXX. XXXX they cant use that as an excuse. Please help me keep my house. The Va home loans agree with carrington mortgage that the missed payments are capitalized through the life of the loan. This is NOT TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
It has come to my attention that your company has placed multiple inquiries on my credit report without my permission.

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