vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I recently reviewed my credit report and noticed that my positive XXXX XXXX account with XXXX XXXX XXXX has been deleted from my TransUnion credit report. This account is accurately reporting to XXXX, XXXX. 

After contacting XXXX XXXX XXXX customer service, ( XX/XX/year> they informed that they reported to all three credit bureaus XXXX, XXXX, Transunion every month. However, Tranunion has failed to accurately reflect this information that they deleted from my credit report. 

Furthermore, TransUnion has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide Transunion with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it, this account needs to be put back on my credit report. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,

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 2024-12-11 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I recently reviewed my credit report and noticed that my positive XXXX XXXX account with XXXX XXXX XXXX has been deleted from my TransUnion credit report. This account is accurately reporting to XXXX, XXXX. 

After contacting XXXX XXXX XXXX customer service, ( XX/XX/year> they informed that they reported to all three credit bureaus XXXX, XXXX, Transunion every month. However, Tranunion has failed to accurately reflect this information that they deleted from my credit report. 

Furthermore, TransUnion has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide Transunion with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it, this account needs to be put back on my credit report. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
Transunion, XXXX and XXXX reporting an account ( XXXX XXXX  ) that belongs to my ex-wife on my credit report. Documentation showing the decree from court that my ex-spouse is the owner of the account was also submitted to all 3 credit bureau yet this account is still left on my credit file. Also, credit enquiries i had no knowledge of disputed all to no avail that were not verified left on my credit report. I contacted the furnishers and was told that they had no record of such and all effort to get this taken of my credit report by Transunion, XXXX and XXXX credit bureau was to no avail. This is really taking a toll on my report and needs to be taken off as soon as possible.

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 2024-12-11 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: MN

Complaint narrative:
I am writing to request the immediate blocking and deletion of the accounts listed below from my credit file. I am a victim of a data breach, and these accounts were opened or reported without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts removed from my credit report. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX - XXXX - XX/XX/XXXX - {$600.00}

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please update my address to : 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 explanation
Consumer complaint received 2024-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-12-11 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: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct any errors, as I believe they may be affecting my XXXX XXXX and my financial well-being. 

The item ( XXXX ) in question are listed below : Creditor Name : XXXX XXXX XXXX as well as Wakefield & Associates Account Number : Unknown Disputed Information : These companies were given my information unlawfully and because of that I am contacting the bureau to remove this from my credit report and any damage it may have caused. 
I request that you conduct a thorough investigation of this item, as the information provided is incorrect. According to the FCRA, you are required to complete the investigation within 30 days of receiving this letter. I ask that you promptly remove or correct any inaccuracies you identify. 

I have enclosed the necessary documentation to support my claim, including [ list any documents you're attaching, such as payment records, bank statements, or letters from the creditor ]. 

Please send me a written confirmation of the results of your investigation and the updated credit report once the dispute is resolved. If you determine that the information is accurate, please provide the detailed reasoning behind your conclusion. 

Thank you for your prompt attention to this matter. I look forward to your response in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
XXXX. XX/XX/XXXX I filed complaint with XXXX XXXX. 
XXXX. XX/XX/XXXX I received a letter of response from AidVantage I will quote We reviewed our records, and confirmed we can not remove the delinquency reported from XXXX and XX/XX/XXXX to the consumer reporting agencies. We sent multiple delinquency notices prior to this reporting. We have enclosed them for for your review. '' **Please Note that in the validation letter received though they mention enclosing multiple delinquenccy notices for my review. They provided no proof of debt, delinquency notices, information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong, an end date for a XXXX period when you can dispute the debt. They have failed to provide me with a copy of any viable evidence showing the account is being reported accurately and FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 
XXXX. XX/XX/XXXX filed I complaint with the XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX I received the same letter they sent for the complaint from XXXX XXXX I will quote We reviewed our records, and confirmed we can not remove the delinquency reported from XXXX and XX/XX/XXXX to the consumer reporting agencies. We sent multiple delinquency notices prior to this reporting. We have enclosed them for for your review. '' XXXX. XX/XX/XXXX I filed a complaint with the Consumer Financial Protection Bureau again requesting the information. 
XXXX. XX/XX/XXXX I received the following response and the same letter from AidVantage. 
Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We understand you are concerned with the credit reporting on your XXXX XXXX XXXX loans in XXXX and XX/XX/XXXX. We confirmed that we have previously responded to these concerns in a letter dated XX/XX/XXXX. We have attached this letter for your review. We apologize if you did not receive the attachments intended with the original response. The credit reporting is accurate and our stance has not changed. 

Please Note : That as of XX/XX/XXXX when I filed my first complaint until today. I have not reeived any proof of this XXXX day debt from AidVantage. They have said they would send it and have not enclosed it any correspondance. It has been more than XXXX days and this violates FCRA. In the absence of verifiable information about any late payments my record should be recorded as " paid as agreed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2024-12-11 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:
Dear XXXX, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations. I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter. Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXX Update status on dates followed to current/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Inaccurate Reporting on Paid Account Violation of FCRA by Capital One Account Information : Creditor : Capital One Account Number : XXXX Type : Credit Card ( Revolving ) Balance : {$0.00} Status : Paid Details of the Complaint : I am filing a complaint against Capital One for the repeated inaccurate reporting of my paid account. Despite having a {$0.00} balance and the account being marked as Paid, it continues to reflect a Negative status on my credit reports with XXXX, XXXX, and XXXX. 

Specific Errors Include : Reporting Status : The account should be reported as Paid as Agreed with a {$0.00} balance, but it is incorrectly reported as Negative. 
Payment History : The payment history should reflect Never XXXX, but it inaccurately shows a past-due history. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Violation of 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) Furnishers are required to report accurate information. Reporting a paid account as Negative violates this obligation. 

Violation of 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) I have disputed these inaccuracies multiple times with the credit bureaus, yet no correction has been made within the XXXX window, which violates my right to have disputes investigated promptly. 

Failure to XXXX Proper Investigation ( 15 U.S.C. 1681s-2 ( b ) ) Capital One has failed to investigate and correct these errors after receiving notice of my disputes, violating their responsibility under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX TRANSUNION. SENT A DISPUTE TO XXXX XXXX XXXX  THE COMPANY STOPPED COLLECTION AND DELETED THE ACCOUNT, BUT YOU ARE STILL REPORTING IT. THIS ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT. THIS IS A CLEAR VIOLATION OF THE FCRA AND YOU ARE REQUIRED TO DELETE THE ACCOUNT IF THE FURNISHER DELETES IT. I WILL IMMEDIATELY TAKE LEGA ACTION FOR THIS WILLFUL NON-COMPLIANCE. I HAVE ATTACHED PROOF THEY HAVE DELETED THE ACCOUNT AND STOPPED COLLECTION.

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 2024-12-11 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: FL

Complaint narrative:
I am writing to request the immediate blocking and deletion of the account and inquiries listed below from my credit report. I am a victim of a data breach, and these items were added to my credit file without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this fraudulent information be removed from my credit report promptly. 
Fraudulent Account : 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation