vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
I have sent multiple letters to the consumer reporting agencies asking to have specific accounts on my consumer file removed as they are unlawful and violate the FCRA and the FDCPA. I am recommending the CFPB take a look into this matter. By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, XXXX, and Transunion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me to be denied of housing for my family causing pain and suffering. Every dispute has came back verified but now i demand information how the information was verified if 15 USC 1681a ( e ) says An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. I am also demanding information of me the consumer giving consent to each credit reporting agency with a wet ink signature stating that i agreed to have these accounts furnished on my consumer report. If you can not provide this document then my consumer report must be updated accurately with fairness.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple letters to the consumer reporting agencies asking to have specific accounts on my consumer file removed as they are unlawful and violate the FCRA and the FDCPA. I am recommending the CFPB take a look into this matter. By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, Equifax, and XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me to be denied of housing for my family causing pain and suffering. Every dispute has came back verified but now i demand information how the information was verified if 15 USC 1681a ( e ) says An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. I am also demanding information of me the consumer giving consent to each credit reporting agency with a wet ink signature stating that i agreed to have these accounts furnished on my consumer report. If you can not provide this document then my consumer report must be updated accurately with fairness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-10 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-10 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 noticed XXXX XXXXXXXX XXXX XXXX ON MY CREDIT REPORT A WHILE AGO. Disputed several times with all documentation. XXXX lacks communication and shows severe neglect. All they have done is update the account to current each moth instead of blocking and deleting. My next step is litigation Im well aware of the XXXX ongoing law suits going against them for their neglect and malpractices I wont hesitate!!!

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 2024-04-10 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: CA

Complaint narrative:
I noticed XXXX XXXX XXXX XXXX  ON MY CREDIT REPORT A WHILE AGO. Disputed several times with all documentation. XXXX lacks communication and shows severe neglect. All they have done is update the account to current each moth instead of blocking and deleting. My next step is litigation Im well aware of the XXXX ongoing law suits going against them for their neglect and malpractices I wont hesitate!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: AZ

Complaint narrative:
I was looking at my report and I noticed some things were not corrected. I sent a letter to XXXX back on XX/XX/year> but it has been more than 35 days. XXXX still hasn't responded to my letter. that is a direct violation of 15 USC 1681 ( a ) ( 1 ) A ) Under 15 USC 1681 subject to subsection ( 1 ) and except as provided in subsection ( g ) If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX account : XXXX Delete this account immediately because of a violation of 15 USC 1681 ( a ) ( 1 ) A )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NY

Complaint narrative:
Noticed there were several hard inquiries I did not authorize 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 explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit score was reported differently to creditors when applying for new credit by the three major credit bureaus causing my denial in getting new credit. An egregious example of a long history of discrimination affects the data that the credit-scoring models use today. Today, FICO considers payment history, amount owed, length of credit history, new credit, and credit mix in its model. But that data is influenced by the generational wealth that many XXXX and XXXX borrowers did not have equal access to resulting in a low FICO score for the poor, low-income, and middle-class. 

XXXX service members were denied the benefits of the Servicemen 's Readjustment Act of 1944, more commonly known as the XXXX XXXX. The bill was designed to reward service members with benefits that would increase their social mobility. These benefits included higher education financing, as well as housing and unemployment benefits. However, eligible XXXX service members trying to cash in on the bill were either met with resistance or denied benefits altogether. 

So a white service member might have been able to buy an affordable home and pass that home down to their children, who could then benefit from the home equity and the positive financial gains of their ancestors ' ability to purchase a home through benefits like the XXXX XXXX. These are direct results of racial bias, which can undoubtedly alter the path of someone's financial life. 

The burden of poverty can trickle down to children who are at a disadvantage when it comes to being scored using today 's FICO scoring methods used by the three major credit bureaus. Data points like credit length and payment history might not be the same for XXXX consumers as it is for their white peers, given the enormous disparity in wealth-generating opportunities.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit score was reported differently to creditors when applying for new credit by the three major credit bureaus causing my denial in getting new credit. An egregious example of a long history of discrimination affects the data that the credit-scoring models use today. Today, FICO considers payment history, amount owed, length of credit history, new credit, and credit mix in its model. But that data is influenced by the generational wealth that many XXXX and XXXX borrowers did not have equal access to resulting in a low FICO score for the poor, low-income, and middle-class. 

XXXX service members were denied the benefits of the Servicemen 's Readjustment Act of 1944, more commonly known as the XXXX XXXX The bill was designed to reward service members with benefits that would increase their social mobility. These benefits included higher education financing, as well as housing and unemployment benefits. However, eligible XXXX service members trying to cash in on the bill were either met with resistance or denied benefits altogether. 

So a white service member might have been able to buy an affordable home and pass that home down to their children, who could then benefit from the home equity and the positive financial gains of their ancestors ' ability to purchase a home through benefits like the XXXX XXXX. These are direct results of racial bias, which can undoubtedly alter the path of someone's financial life. 

The burden of poverty can trickle down to children who are at a disadvantage when it comes to being scored using today 's FICO scoring methods used by the three major credit bureaus. Data points like credit length and payment history might not be the same for XXXX  consumers as it is for their white peers, given the enormous disparity in wealth-generating opportunities.

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 2024-04-10 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: KY

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
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 2024-04-10 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: KY

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: WY

Complaint narrative:
I hope this message finds you well. I am writing to formally lodge a complaint regarding the second attempt made to remove the fraudulent items from my account. Despite the previous assurances and the initial steps taken, I am disheartened to report that the issue persists, causing undue stress and inconvenience on my part. 

This failure to effectively address the fraudulent activity not only jeopardizes my financial security but also undermines my trust in your institution 's ability to safeguard its customers ' interests. 

I urge you to escalate this matter to the appropriate authorities within your organization and take decisive action to rectify the situation promptly. I expect a comprehensive investigation into the root causes of these repeated failures and assurances that measures will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX  XXXX XXXX XXXX Balance XXXX {$5500.00} 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 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} 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 Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/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 2024-04-10 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: WY

Complaint narrative:
I hope this message finds you well. I am writing to formally lodge a complaint regarding the second attempt made to remove the fraudulent items from my account. Despite the previous assurances and the initial steps taken, I am disheartened to report that the issue persists, causing undue stress and inconvenience on my part. 

This failure to effectively address the fraudulent activity not only jeopardizes my financial security but also undermines my trust in your institution 's ability to safeguard its customers ' interests. 

I urge you to escalate this matter to the appropriate authorities within your organization and take decisive action to rectify the situation promptly. I expect a comprehensive investigation into the root causes of these repeated failures and assurances that measures will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX  XXXX XXXX XXXX Balance XXXX {$5500.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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:
Recently I Looked At Copy Of Credit Report And Noticed Several Inaccuracies On My Account. This Account Is Hurting My Ability To Obtain Credit. It Is My Understanding That You Will Investigate These Items For Me to Ensure Accuracy Here Is The Items I Am Asking To Verify As Accurate Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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:
Recently I Looked At Copy Of Credit Report And Noticed Several Inaccuracies On My Account. This Account Is Hurting My Ability To Obtain Credit. It Is My Understanding That You Will Investigate These Items For Me to Ensure Accuracy Here Is The Items I Am Asking To Verify As Accurate Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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