vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: LA

Complaint narrative:
In accordance with the fair, credit reporting act the list of companies below has violated my federal protected consumer rights to privacy and confidentiality on the 15 USC 1681. account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and notice some things are incomplete and not accurate and according to the fair credit reporting act when every consumer reporting agency prepares a consumer report they shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the in

dividual about whom the report release according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i5 They are supposed to do this ( 5 ) Treatment of inaccuracy Or unverifiable information ( A ) In generel, after any reinvestigation under a paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or Incomplete or can not be verified the consumer reporting is shall- ( i ) Probably delete that item of information from the file of the consumer, or modified that item of information, as appropriate based on the results of the reinvestigation ; ( ii ) Properly notified the furniture of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 They are supposed to
not furnish any information related to a consumer to any consumer reporting agent if the person knows or has reasonable codes to believe that the information is 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 2024-09-15 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

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

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 2024-09-15 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MO

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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 2024-09-15 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: U.S. BANCORP
State: IL

Complaint narrative:
My credit report is reporting fraudulent information that I am not aware of and did not authorize. Between the timeframe of XX/XX/XXXX-XX/XX/XXXX. With banking institutions XXXX XXXX  and 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 2024-09-15 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: CA

Complaint narrative:
I am filing a formal complaint against TransUnion for inaccurately reporting my USDOE/XXXX  account ( # XXXX ). Specifically, the account is incorrectly stating that I have never been late, when in fact, this is false. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate reporting of my credit information. TransUnion is currently in violation of this statute by reporting incorrect and misleading information regarding my account payment history. 

I request an immediate investigation and correction of this account. Failure to comply will result in further action as provided by law under the FCRA for reporting inaccurate 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 2024-09-15 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: PA

Complaint narrative:
I have been the victim of identity theft the credit bureaus will not comply and delete all the accounts that were fraud I have not applied for any account and I have a police report regarding this incident so hopefully the credit bureaus will remove all of the accounts from my report my score Was XXXX before all this took place

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: PA

Complaint narrative:
I have been the victim of identity theft the credit bureaus will not comply and delete all the accounts that were fraud I have not applied for any account and I have a police report regarding this incident so hopefully the credit bureaus will remove all of the accounts from my report my score Was XXXX before all this took place

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
UNABLE TO CANCEL MEMBERSHIP EXPERIAN TRYING TO CHARGE 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 2024-09-15 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:
In 2009, my identity was stolen, and it has been an ongoing issue ever since. Over the years, several fraudulent accounts have been opened in my name, including credit cards, utility accounts, and even an apartment lease. These actions have severely impacted my financial standing and credit score, causing immense stress and difficulty in managing my personal finances. Additionally, a falsified police report was filed in my name, falsely accusing me in a XXXX  XXXX issue. This false report has damaged my reputation and has been extremely challenging to clear. Despite multiple attempts to resolve these matters with creditors, utility companies, and law enforcement, the issue persists. I continue to face roadblocks in proving my innocence and recovering from the impact of these fraudulent activities. I seek immediate assistance to address and resolve this situation.

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 2024-09-15 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: OR

Complaint narrative:
I recently conducted a thorough review of my credit report and identified several fraudulent accounts that have been mistakenly attributed to my name. These inaccuracies are unjustly affecting my credit standing and impeding my ability to obtain credit.

I kindly request your assistance in promptly removing these fraudulent accounts. I am confident that you will take the necessary steps to rectify this issue in a timely manner.

Thank you for your immediate attention to this matter. I look

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 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Order XXXX was not delivered to my home address. Shipping company XXXX says I can not submit a claim and XXXX will not respond to my inquiry. 

Discover approved the charge and denied the claim because XXXX provided a generic stripe dispute shipping info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
I have XXXX consolidated federal student loan with XXXX XXXX XXXX XXXX but now there are XXXX duplicate accounts with double my actual balance reported to the credit reporting agencies from Mohela. This has decreased my XXXX XXXX by XXXX points. I have not received a response from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: CA

Complaint narrative:
Consumer Information : Name : XXXX XXXX Address : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Against : XXXX Experian Subject : Multiple and Inaccurate Reporting of XXXX XXXX XXXX Account # XXXX Details of the Complaint : I am filing a formal complaint against XXXX and Experian for the inaccurate and duplicate reporting of my XXXX XXXX XXXX Account # XXXX. 

XXXX. Multiple Listings : This account is being listed multiple times on my credit report under different entries, which is significantly lowering my XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that information on a consumers credit report is accurate and not misleading. By listing the same account multiple times, the agencies are violating this statute and unfairly damaging my credit.

2. Impact on Credit Utilization : The duplicate listings are inflating the balance amounts on my credit report, which inaccurately affects my credit utilization ratio. This is having a negative impact on my XXXX XXXX, when in reality, it is a single account that should only be reported once. 
XXXX. Incorrect Reporting as a XXXX : Experian is incorrectly reporting this account as a collection, which is false and misleading. Under FCRA 15 U.S.C. 1681s-2, furnishers of credit information must not report information that is inaccurate or misleading. This account can not be reported as a collection XXXX month and then be reported as paid as agreed in the following month. Such inconsistent reporting is a clear violation of the FCRA and is harming my financial standing.

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 2024-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
They are doing false advertisement they have this option to where you can get up to {$500.00} early if you have two direct deposits a active time card which I qualify for both because I have already done both and they are refusing to give it to me that is false advertisement because they keep saying wait and they are just coming up with every excuse they can

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: NC

Complaint narrative:
Account XXXX XXXXXXXX XXXX  was not deleted after inaccurate information is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I received an " income reconciliation result '' for my 3 income share agreements. On XX/XX/XXXX, I was billed for underpayments owed to a total of {$2100.00}. I believe this is an error. 

I graduated from graduate school in XX/XX/XXXX. My 6 month grace period would have been up in XX/XX/XXXX, but when I didn't receive a bill, I sent a message on XX/XX/XXXX to see why payments hadn't started yet. I received a message back on XX/XX/XXXX to say that my payments would be starting. 

I have since made the following payments : XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$170.00} Even if I should have been paying the {$170.00} for the entire time, and if I am being charged for the payments for XX/XX/XXXX and XX/XX/XXXX, it does not add up to the amount charged of {$2100.00}. I believe I am being charged for the entirety of XXXX, even though I was in full-time school from XX/XX/XXXX - XX/XX/XXXX and then had the 6 month grace period. 

I messaged on XX/XX/XXXX to ask about what the " income reconciliation result '' meant and for a deeper explanation of it, and I received a message back on XX/XX/XXXX that did not answer the question : " Hello, Yes of course! Your annual income is over the {$20000.00} annual threshold for your account. Therefore, payments are generated and due each month. Please reach out with any other questions. Thank you, Launch Servicing Team ''. 

I sent another message on XX/XX/XXXX, including part of my income share agreement stating that no bill should be greater than 15 % of my income. I have not received a response. It was after this that I realized I was being charged for payments that I did not need to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TN

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2024-09-15 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:
In 2009, my identity was stolen, and it has been an ongoing issue ever since. Over the years, several fraudulent accounts have been opened in my name, including credit cards, utility accounts, and even an apartment lease. These actions have severely impacted my financial standing and credit score, causing immense stress and difficulty in managing my personal finances. Additionally, a falsified police report was filed in my name, falsely accusing me in a XXXX  XXXX issue. This false report has damaged my reputation and has been extremely challenging to clear. Despite multiple attempts to resolve these matters with creditors, utility companies, and law enforcement, the issue persists. I continue to face roadblocks in proving my innocence and recovering from the impact of these fraudulent activities. I seek immediate assistance to address and resolve this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: NC

Complaint narrative:
In 2009, my identity was stolen, and it has been an ongoing issue ever since. Over the years, several fraudulent accounts have been opened in my name, including credit cards, utility accounts, and even an apartment lease. These actions have severely impacted my financial standing and credit score, causing immense stress and difficulty in managing my personal finances. Additionally, a falsified police report was filed in my name, falsely accusing me in a XXXX  XXXX issue. This false report has damaged my reputation and has been extremely challenging to clear. Despite multiple attempts to resolve these matters with creditors, utility companies, and law enforcement, the issue persists. I continue to face roadblocks in proving my innocence and recovering from the impact of these fraudulent activities. I seek immediate assistance to address and resolve this situation.

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 2024-09-15 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: CO

Complaint narrative:
I am complaining about both XXXX XXXX XXXX and Transunion. I have disputed this account 3 times, but Transunion says the account was verified. I have sent in an entire package basically of proof as to why I do NOT owe the amount of money they are claiming I owe. If they are just calling and asking the company is that is the amount owed of course they are going to say yes. They have not investigated anything because I have literally sent them proof, and they are still stating I owe that money. The amount they claim is owed is {$7600.00} and it is from XXXX XXXX XXXX. They are charging me extra money I do not owe and on top of it they are charging me for things that were broken when we moved into the place, and I have the workorders to prove I requested those things be fixed. How is it that they are charging me for things that were already broken before I moved into the apartment. I had to move because they refused to fix a roof leak that ended up causing mold in my apartment. They were aware of the problem the entire time. I choose to withhold rent for the month of XXXX and paid it to the courts. They say I owe XXXX, XXXX and XXXX yet I paid XXXX to the courts and was only there till the XXXX of XXXX but they're charging me a full month and the month that was already paid to the courts. Just the rent owed doesn't add up. They are saying almost {$5500.00} was owed, my rent was only {$1200.00} a month, if you multiply that by 3 months which they say I owed it is {$3800.00} so how did they get a total of almost {$5500.00}. Yet Transunion is saying they verified what was owed and it was correct. It makes absolutely no sense when I have proof that was sent in showing the amounts they are trying to charge me are inaccurate. Also, I have proof of how they added the " move-out statement '' of amount owed AFTER I signed the move out paperwork, so I did not see it till a year later when this popped up on my credit report and I asked the apartment why I owed that amount and that's when they emailed me the statement they had. It clearly shows at the bottom of the pages the dates and how that statement was added the next day. If I had seen that paper, I would have not signed it because I would have never agreed to it.

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