vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THIS IS NOT A DISPUTE REQUEST. DO NOT SEND ME A COPY OF MY CREDIT REPORT. DO NOT ADD A SECURITY ALERT TO MY CREDIT FILE. 
I called TransUnion on Friday, XX/XX/year>, on or around XXXX pm XXXX. I dialed ( XXXX ) XXXX. Due to XXXX excessive hold times, I requested a call back pursuant to the IVRs instructions. I received an inbound call on or around XXXX pm XXXX. The inbound caller ID was ( XXXX ) XXXX. It was a female agent from XXXX XXXX. At the beginning of her introduction, she asked for my phone number and email address. I declined to give this information. Consumers are not required to provide an email address and phone number in order to file a valid dispute. As soon as I said no, she immediately responded without this information we can not proceed., and she immediately disconnected the call on me. This is unprofessional and inappropriate. This is also known as call-avoidance I seek to hold TransUnion and its employees accountable. Please sanction TransUnion. In addition, this is not a one-time isolated event ; this is a pattern and practice. I will continue to file valid complaints, each and every time this happens.

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 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
OK ... Capital One Bank is selling my personal, private and federal information to multiple companies to make them try to collect a amount I do not own them.

HOW IS THIS POSSIBLE??? 

First they sold all my information to XXXX XXXX XXXX and now to XXXX XXXX XXXX and for the same amount of {$1200.00} .... 

BY THIS I WILL FILE A FORMAL LAWSUIT AGAINST CAPITAL ONE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
I have written dispute letters three different times, to each credit bureau, and each time they reply with a new credit report stating that the account with XXXX has been Verified as accurate and updated. 
Re : Formal Dispute Under FCRA 15 U.S.C. 1681 Section 602, Section 604, and 15 U.S.C. 1666b This dispute is made under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically Sections 602 and 604, as well as 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ). 
Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law. 
2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report. 
3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act. 
4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
I have written dispute letters three different times, to each credit bureau, and each time they reply with a new credit report stating that the account with XXXX has been Verified as accurate and updated. 
Re : Formal Dispute Under FCRA 15 U.S.C. 1681 Section 602, Section 604, and 15 U.S.C. 1666b This dispute is made under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically Sections 602 and 604, as well as 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ).

Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law.

2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report.

3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act.

4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against 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 explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency , block all accounts listed below appearing on my consumer credit report the result of identity theft and fraud. The fraudulent, inaccurate, and false information are listed as such : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have been associated with several fraudulent hard inquires, collections, false information placed on my consumer credit report. I do not recognize the information being reported and all accounts mentioned about were not initiated by me. 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 ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-09-08 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: DISCOVER BANK
State: CA

Complaint narrative:
Everything on my credit report for the last 5 years is identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discover bank XXXX XXXX XXXX XXXX etc I filed a ftc report for identity theft report number # XXXX Police report filed with the XXXX Report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Everything on my credit report for the last 5 years is identity theft XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX One main XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX etc I filed a ftc report for identity theft report number # XXXX Police report filed with the XXXX Report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXX/XX/XXXXwhich falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XX/XX/XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXXXX/XX/XXXXAccount number XXXX {$7800.00}XX/XX/XXXX pay line of credit Account number XXXX {$2000.00} XXXX XXXX XXXX XXXX account number XXXX {$14000.00} XXXX XXXXXX/XX/XXXX account number XXXX Amount XXXXXX/XX/XXXX Account number XXXX Bal {$850.00} XXXX account number XXXX balance {$3800.00} XXXX XXXX balance {$2900.00} XXXX account numbe XXXX balance XXXX XX/XX/XXXXXXXX balance XXXX XXXXXX/XX/XXXX XXXX Account numbeXXXX XXXX balance {$320.00} XXXX XXXX XXXX account number XXXX balance {$1100.00} XXXX XXXX XXXX XXXX XXXX balance 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 2024-09-08 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: CA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts and inquiries to be BLOCK AND DELETED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: CA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts and inquiries to be BLOCK AND DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Bankruptcy Reporting on Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report. I have never filed for bankruptcy in my entire life, and this entry is clearly a result of either mistaken identity or fraudulent activity, potentially stemming from the recent national data breach that compromised the personal information of millions of individuals. 

Details of the Disputed Bankruptcy : Filing Court : XXXX XXXX XXXX XXXX Filing Date : XX/XX/XXXX Case Number : XXXX This inaccurate information is causing significant damage to my credit profile, and under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and have any inaccurate, incomplete, or unverifiable information removed from my credit file. Specifically, FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to promptly investigate disputes and correct or delete inaccurate information.

Additionally, under FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ), the inclusion of this erroneous bankruptcy is an unjust representation of my creditworthiness, as bankruptcies are major derogatory marks that should only be reported when valid. I believe this error is likely connected to the national data breach, which has compromised sensitive personal data and may have led to unauthorized use of my identity. 

Requested Actions : Immediate Investigation : I request an immediate investigation into the inaccurate bankruptcy reporting. 

Removal of the Bankruptcy Entry : As this entry is entirely false, I demand its complete removal from my credit report. 

I appreciate your immediate attention to this urgent matter and look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: NE

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately 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 2024-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Experian Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : $ XXXX balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the Experian report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report high lighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response

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 2024-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX Experian Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : $ XXXX balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the Experian report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report high lighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response

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 2024-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
( XXXX ) XXXX XXXX ( Date ). - XX/XX/XXXX ( Amount ) - {$11.00}, XXXX I did not give this company authorization to report this collection to my credit report this violates my privacy rights under the Privacy Act Of 1974 this is fraud. 

I took action by asking the company to send me information on this collection debt in a form of a letter, still no action taken on behalf of 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 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I.C. SYSTEM, INC has flagged your account as Collections. This XXXX company reported wrongful after be a loyal customer for two years

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