vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
I am writing to DISPUTE the following archives that your company supplied to one or more consumer reporting agencies.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, the sufficing adhering of Federal and state reporting laws and or shrewdness in your subservient adhering to the mandatorily adapted credit reporting industrys procedures and or processes namely the XXXX own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofcognate info that else better ensure integrity of precepts or dogmas in behest made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably law-abiding reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are lawfully common to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.

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 2024-09-26 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: CA

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-09-26 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: FL

Complaint narrative:
Have several inquiries I no nothing about 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 Which unverifiable on TransUnion 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 2024-09-26 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: VA

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 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 explanation
Consumer complaint received 2024-09-26 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: NC

Complaint narrative:
I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 

PLEASE DELETE THIS 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 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 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 Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information XXXX XXXX has reported on my credit file concerning a loan that has been paid off in full. Despite receiving confirmation via email from XXXX XXXX that the loan was settled, and the vehicle title was mailed to me, they continue to report incorrect information. 

Throughout the XXXX pandemic, XXXX XXXX repeatedly altered the status of my loan on my credit report, reflecting it as either Filed under Bankruptcy, Charged Off, Deferred due to Natural Disaster, Account Closed, or now, since XX/XX/year>, showing a balance that continues to accumulate interest each month with a higher payment amount. This constant fluctuation in reporting is misleading, inaccurate, and directly harmful to my creditworthiness. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681, which requires both credit bureaus and furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they report. The continued reporting of false and inconsistent information is in direct violation of these provisions. 

Please find attached documentation, including the email from XXXX XXXX confirming that the loan has been paid off and that my vehicle title was sent. I respectfully request that you Delete and Remove from all credit agency 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, It has now been a month since I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my credit card company, Oportun. This company is fully aware that there have been three unauthorized transactions on my account, which I promptly reported via text, clearly indicating that these transactions were fraudulent. 

Despite my efforts to resolve this matter directly with Oportun, they failed to investigate the case adequately for months. After I escalated the issue to the CFPB, Oportun claimed to have reopened the investigation. However, upon checking my account today, I found that the fraudulent transactions have been posted back without any prior notice or communication from Oportun explaining what transpired. 

Not only is Oportun neglecting its responsibilities, but it is also demonstrating a serious lack of proper investigation into customer concerns. Their quick response following my complaint to the CFPB seems to be an attempt to deflect accountability rather than a genuine effort to resolve the issue. 

Given the circumstances, I believe it is crucial for this credit card company to be placed under formal investigation for its mishandling of customer issues. They have acknowledged that these transactions were unauthorized, yet they have failed to provide me with valid information or a satisfactory resolution. 

Due to the continued mishandling of my account and the lack of effective communication from Oportun, I am also considering taking legal action in civil court. It is time for someone to stand up and take decisive action against such practices. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
Please Remove : 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 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

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 2024-09-26 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: CA

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 
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 2024-09-26 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: TX

Complaint narrative:
I am writing to DISPUTE the following abstracts that your company supplied to one or more Credit Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, copacetic adhering of Federal and state reporting laws and or appropriateness in your compliant adhering to the mandatorily practiced credit reporting industrys codes namely the XXXX own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofassociable data thatcould or should else better ensure integrity of discords made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which potentially can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably even extremely compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are required to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.

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 2024-09-26 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: CA

Complaint narrative:
I would like to emphasize that my right to privacy is of utmost importance. I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully obligated to " exercise your grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' I am invoking this right as per the legal provision. Kindly ensure that the following information is handled with the highest level of fairness, impartiality, and respect for my privacy.

Furthermore, under 15 U.S. Code 1681b ( Permissible Purposes ), I have never granted this company any permissible purpose to access my information. This constitutes a clear violation of the code. I request that the account ( s ) in question be removed from my report as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Given your responsibility to protect my privacy, I ask that this matter be treated with the utmost urgency. 

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 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a late payment logged against my credit report. I contacted the credit card company and requested the statement for that month. On the statement it shows that payment was made on time. I disputed the late payment with the credit reporting agency for 3 rounds. On the 3 round of disputes I provided a copy of the statement which shows that the payment was made on time and it shouldn't be marked as a late payment. I also requested proof of the investigation to show that they contacted the credit card company and it was verified by the bank. I received a letter by the credit bureau marked as verified without providing proof of investigation. The credit bureau ignored the evidence ( bank statement that shows payment was made on time. Even though proof was provided, the credit bureau continues to fail to investigate the matter accurately.

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 2024-09-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. 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 2024-09-26 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:
I am writing to formally report that I have been a victim of identity theft. It has come to my attention that account has been opened in my name without my knowledge, consent, or authorization. This account was fraudulently established by an individual, entity, company, or corporation, exploiting my credit for their personal gain. I had no involvement in the creation of this account, nor did I provide any authorization for their use. As a result, my credit report has been negatively impacted due to fraudulent activity that I was not a party to. I respectfully request that this account be promptly removed or blocked from my credit report. I also request that your institution take the necessary steps to prevent any further damage to my credit file and protect my identity moving forward. It is critical that my credit report reflects my true credit history and not this fraudulent account, which have the potential to severely damage my financial standing. 

To support my claim, I have enclosed the following documentation : A copy of my FTC Identity Theft Report A copy of my government-issued ID Proof of my current address 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 2024-09-26 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: GA

Complaint narrative:
credit reporting companies : XXXX XXXX and XXXX are all reporting inaccurate information on my public record on my credit report. It has hindered my ability to purchase a home for my family I have reached out to each and they all say they can not verify my identity. In that case you all have improperly added false information to my consumer report and credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
credit reporting companies : XXXX XXXX and XXXX are all reporting inaccurate information on my public record on my credit report. It has hindered my ability to purchase a home for my family I have reached out to each and they all say they can not verify my identity. In that case you all have improperly added false information to my consumer report and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information XXXX XXXX has reported on my credit file concerning a loan that has been paid off in full. Despite receiving confirmation via email from XXXX XXXX that the loan was settled, and the vehicle title was mailed to me, they continue to report incorrect information. 

Throughout the XXXX pandemic, XXXX XXXX  repeatedly altered the status of my loan on my credit report, reflecting it as either Filed under Bankruptcy, Charged Off, Deferred due to Natural Disaster, Account Closed, or now, since XX/XX/year>, showing a balance that continues to accumulate interest each month with a higher payment amount. This constant fluctuation in reporting is misleading, inaccurate, and directly harmful to my creditworthiness. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681, which requires both credit bureaus and furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they report. The continued reporting of false and inconsistent information is in direct violation of these provisions. 

Please find attached documentation, including the email from XXXX XXXX confirming that the loan has been paid off and that my vehicle title was sent. I respectfully request that you Delete and Remove from all credit agency 's

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 2024-09-26 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information XXXX XXXX has reported on my credit file concerning a loan that has been paid off in full. Despite receiving confirmation via email from XXXX XXXX that the loan was settled, and the vehicle title was mailed to me, they continue to report incorrect information. 

Throughout the XXXX pandemic, XXXX XXXX repeatedly altered the status of my loan on my credit report, reflecting it as either Filed under Bankruptcy, Charged Off, Deferred due to Natural Disaster, Account Closed, or now, since XX/XX/year>, showing a balance that continues to accumulate interest each month with a higher payment amount. This constant fluctuation in reporting is misleading, inaccurate, and directly harmful to my creditworthiness. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681, which requires both credit bureaus and furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they report. The continued reporting of false and inconsistent information is in direct violation of these provisions. 

Please find attached documentation, including the email from XXXX XXXX confirming that the loan has been paid off and that my vehicle title was sent. I respectfully request that you Delete and Remove from all credit agency 's

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