vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$43.00} ; XXXX  XXXX Balance : {$32.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX LA XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sunbit, Inc.
State: NV

Complaint narrative:
I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i Tab/Sunbit Tab/Sunbit ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$120.00} Credit Limit XXXX XXXX XXXX Closed Date XXXX XXXX XXXX XXXX Open Date XXXX, XXXX Last Activity XXXX, XXXX Terms Scheduled Payment High Balance {$1400.00} Loan Type Unknown Responsibility Individual Account Company Name Tab/Sunbit Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX XXXX ( Installment ) Accounts - negative accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$120.00} Credit Limit XXXX TransUnion XXXX Closed Date XXXX XXXX XXXX XXXX Open Date XXXX, XXXX Last Activity XXXX, XXXX Terms Scheduled Payment High Balance {$1400.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FactorTrust, Inc.
State: NV

Complaint narrative:
I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX XXXX ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$120.00} Credit Limit XXXX XXXX XXXX Closed Date XXXX XXXX XXXX XXXX Open Date XXXX, XXXX Last Activity XXXX, XXXX Terms Scheduled Payment High Balance {$1400.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Comments Unpaid balance charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: WI

Complaint narrative:
I fell behind on the mortgage due to COVID my customers ar hospitals and I am considered non essential. I am doing the best I can with 50 % off mu customers through COVID. As soon as the rules let up I will do great. 
I receved a notice saying to cure my default I need to pay XXXX by XX/XX/XXXX. I called on XX/XX/XXXX to make a payment and was told by XXXX Id # XXXX that the computer wouldn't accept the payment it now required XXXX I said I was instructed to pay the XXXX by XX/XX/31 and he said he was sorry but something must have changed. 
I can not pay XXXX in a lump sum

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, SSN XXXX, DOB XX/XX/1966, TO WHOM IT MAY CONCERN : I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE, INMFORMATION, OR WHICH CANOT BE VERIFIED. ALL COMPANYS ARE BELOW : IT IS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681I, EVERY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN, NON-COMPLAINT, INCOMPLETE, UNTURE, INCORRECT, AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BER COMPLETELY DELETED. THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATINS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESOPONISIBILITY, OR OTHERWISE PRO COMPLAINT TO REGULATORY FEFERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY THE INFRACTIONS ARE AS FOLLOW BELOW. I AM DEMANDING THAT THIS ACCOUNT BE UPDATED TO PAID AS AGREED AND NEVER LATE.BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX XXXX XXXX CPOMPLIANCE REGULATIONS, I DEMAND THAT THES ABOVE MENTION DEROGATORY ITMES BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 
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 explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, SSN XXXX, DOB XX/XX/1966, TO WHOM IT MAY CONCERN : I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE, INMFORMATION, OR WHICH CANOT BE VERIFIED. ALL COMPANYS ARE BELOW : IT IS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681I, EVERY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN, NON-COMPLAINT, INCOMPLETE, UNTURE, INCORRECT, AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BER COMPLETELY DELETED. THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATINS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESOPONISIBILITY, OR OTHERWISE PRO COMPLAINT TO REGULATORY FEFERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY THE INFRACTIONS ARE AS FOLLOW BELOW. I AM DEMANDING THAT THIS ACCOUNT BE UPDATED TO PAID AS AGREED AND NEVER LATE.BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX XXXX XXXX CPOMPLIANCE REGULATIONS, I DEMAND THAT THES ABOVE MENTION DEROGATORY ITMES BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 
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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, SSN XXXX, DOB XX/XX/1966, TO WHOM IT MAY CONCERN : I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE, INMFORMATION, OR WHICH CANOT BE VERIFIED. ALL COMPANYS ARE BELOW : IT IS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681I, EVERY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN, NON-COMPLAINT, INCOMPLETE, UNTURE, INCORRECT, AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BER COMPLETELY DELETED. THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATINS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESOPONISIBILITY, OR OTHERWISE PRO COMPLAINT TO REGULATORY FEFERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY THE INFRACTIONS ARE AS FOLLOW BELOW. I AM DEMANDING THAT THIS ACCOUNT BE UPDATED TO PAID AS AGREED AND NEVER LATE.BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX XXXX XXXX CPOMPLIANCE REGULATIONS, I DEMAND THAT THES ABOVE MENTION DEROGATORY ITMES BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 
SINCERELY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Reference Complaint Number XXXX. On or about XX/XX/2022, obviously materially altered check # XXXX ( XXXX XXXX Bank of America for payment of Home Equity Line of Credit account number in memo line scrawled over to read XXXX XXXX XXXX ) in the amount of {$4200.00} was cashed with an improper endorsement and deposited into XXXX XXXX XXXX Bank of America account which leads one to allege a Bank of America employee was a co-conspirator in the theft of funds. XXXX XXXX Bank paid the altered check and sent the {$4200.00} to Bank of America, so XXXX was complicit in this fraud and theft. As soon as my husband and I became aware of the fraudulent theft of the {$4200.00} at approximately XXXX XXXX. on XX/XX/2022, we began calling both XXXX Customer Service, and Bank of America, Customer Service and Mortgage Departments, and filed a police report with the XXXX Police Department. On the morning of XX/XX/2022 my husband spoke to Bank of America and was able to ascertain that XXXX XXXX XXXX had an account at Bank of America he requested that this account be frozen, and our {$4200.00} be restored to us immediately while I went to a XXXX branch to file a Fraud Packet as instructed. Subsequently, we have been made to jump through hoops, to fill out numerous copies of basically the same forms, delver the forms and evidence, etc., and still our stolen money has not been restored. Following this we have been forced to open a new checking account with XXXX, Bank of America froze our line of credit, so we did not have access to the funds for several weeks, and changed our account number : it appears we took a new line of credit and I am not fully confident they removed the late charges. I believe that both Banks are making a concentrated effort to ruin our credit rating while not restoring the {$4200.00} they are complicit in stealing from us.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING XXXX XXXX XXXX ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXXXXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX  opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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