vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
I offered debt collector TrueAccord Corp. a payout amount to resolve debt owed and was ignored. Instead TrueAccord Corp. continues to send me numerous electronic mail messages to collect debt owed which has now caused me to feel extremely harassed by them. Electronic mail messages started on XX/XX/2023 till present with an emails sent ( on average ) every 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I write today as a highly distressed, XXXX XXXX XXXX, after recently reviewing my credit report and noting an egregious amount of misinformation on my credit report most of which are now in dispute per tradeline. You will note my distress, when upon pulling my credit on or about XX/XX/XXXX, I noted several unauthorized accounts reflecting on my credit report, as well as several accounts at or near the legally required Age-off ( 5-7 years ), which are still reflecting on my Credit File. My emails and requests for urgent assistance continue to go ignored, meriting immediate and direct contact at this stage! 

To date, please be advised that I have requested the removal of several ( 10-20 ) either unauthorized or inaccurate items reflecting on my Credit Report including but not limited to : I. Multiple erroneous collection accounts ( XXXX XXXX XXXX, XXXX XXXX, etc ) II. Multiple accounts which are past due or nearing the legal requirement for aging off of my report ( 5-7 years ) : XXXX Accounts, XXXX, and several collection accounts per original creditors Date of First Delinquency ( XXXX ). 
III. Multiple unauthorized inquiries related to auto loans, between XXXX - XXXX, XXXX. 

Please contact me urgently and immediately to aid in the immediate removal of the aforementioned items in question, prior to commencing a Grievance with the following agencies : I. Attorney General Public Inquiry Unit II. Federal Trade Commission ( FTC ) III. Consumer Financial Protection Bureau Enforcement Investigators IV. Local media XXXX XXXX XXXX & Reporters to aid in urgent resolution Please be advised that it is grossly unacceptable that the reporting agency continues to arbitrarily deny my disputes and request for removal of these items, pursuant to FCRA & FDCPA. This matter is extremely time urgent, and merits urgent remediation at this level prior to any and all aforementioned Civil and Consumer actions. I have resisted several times to have an Executive level case manager contact me to resolve this urgent matter, and continue to be ignored outright. This matter is now extremely time urgent. 

Thank you for your immediate response & commitment to resolution at this level.

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I write today as a highly distressed, XXXX XXXX XXXX, after recently reviewing my credit report and noting an egregious amount of misinformation on my credit report most of which are now in dispute per tradeline. You will note my distress, when upon pulling my credit on or about XX/XX/XXXX, I noted several unauthorized accounts reflecting on my credit report, as well as several accounts at or near the legally required Age-off ( 5-7 years ), which are still reflecting on my Credit File. My emails and requests for urgent assistance continue to go ignored, meriting immediate and direct contact at this stage! 

To date, please be advised that I have requested the removal of several ( 10-20 ) either unauthorized or inaccurate items reflecting on my Credit Report including but not limited to : I. Multiple erroneous collection accounts ( XXXX XXXX XXXX, XXXX XXXX, etc ) II. Multiple accounts which are past due or nearing the legal requirement for aging off of my report ( 5-7 years ) : XXXX Accounts, XXXX, and several collection accounts per original creditors Date of First Delinquency ( XXXX ). 
III. Multiple unauthorized inquiries related to auto loans, between XXXX - XXXX, XXXX. 

Please contact me urgently and immediately to aid in the immediate removal of the aforementioned items in question, prior to commencing a Grievance with the following agencies : I. Attorney General Public Inquiry Unit II. Federal Trade Commission ( FTC ) III. Consumer Financial Protection Bureau Enforcement Investigators IV. Local media XXXX XXXX XXXX & Reporters to aid in urgent resolution Please be advised that it is grossly unacceptable that the reporting agency continues to arbitrarily deny my disputes and request for removal of these items, pursuant to FCRA & FDCPA. This matter is extremely time urgent, and merits urgent remediation at this level prior to any and all aforementioned Civil and Consumer actions. I have resisted several times to have an Executive level case manager contact me to resolve this urgent matter, and continue to be ignored outright. This matter is now extremely time urgent. 

Thank you for your immediate response & commitment to resolution at this level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX : account number : 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 2024-09-02 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX : account number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: UT

Complaint narrative:
Hello and good day, it's been months and my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what you are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a freeze on my Trans Union credit report due to my information being leaked online by another company. Since 2021 I have been unable to unfreeze my account temporarily using their website. This function is extremely important as there are times I need to allow access my credit report, for business purposes, when Trans Union phone lines are closed. If you look at reddit there are many others experiencing this or similar issues with frozen credit reports. 

I have reported this issue frequently ( every time I must call to temporarily unfreeze my report ). I have also sent emails and was told that an IT ticket was opened. Nothing has changed and this function on their website has never worked for me in 3 years. 

When I last spoke to a rep at Trans Union I was told this is a known issue impacting thousands of accounts & no fix is planned. This is not acceptable and extremely concerning considering the nature of their business & the sensitivity. 

I am reporting this issue here in hopes that Trans Union will be pushed to action and take accountability for maintaining their website functionality so that consumers are not harmed by their negligence. 

TransUnion falsely advertises that account holders may freely freeze and unfreeze credit reports online. They are aware this is not accurate or true.

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 2024-09-02 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: TX

Complaint narrative:
Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXXXXXX XXXX Account number private, Balance {$430.00}, Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Account number private, Balance {$1600.00}, Opened XX/XX/XXXX XXXX Bank, Account Number private, Balance {$270.00}, Opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$3300.00}, Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Account number private, Balance {$1200.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-02 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2 out of 3 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 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 2024-09-02 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2024-09-02 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:
I WAS RECENTLY CHECKING MY CREDIT REPORT AND I NOTICED THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FOUND NUMEROUS CREDIT INQUIRIES I HAVE NO KNOWLEDGE OF. HERE ARE THE INQUIRIES THAT I FOUND : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. I HAVE ALSO ATTACHED MY IDENTITY REPORT AS WELL.

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 2024-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from XXXX XXXX XXXX, and XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. 
I am requesting debt validation for these collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of Title to collect in this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof, these accounts should be removed from Experian, XXXX, and XXXX immediately.

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 2024-09-02 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: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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