vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
I sent a letter to dispute multiple items on my credit report that I believe are either inaccurate, unauthorized, or unverifiable. XXXX a breakdown of the issues I addressed : Incorrect Personal Information : I found incorrect personal informationtwo addresses listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and requested their immediate removal. Under 15 U.S. Code 1681i, credit reporting agencies are required to correct or remove inaccurate information from my report after a dispute. 

Late Payments Incorrectly Reported : I disputed the late payment records for several accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs, when in fact, they were paid as agreed and never late. Per 15 U.S. Code 1681i, I am requesting that these records be corrected to reflect the accurate payment history. 

Debt Validation Requests : For several accounts reported by debt XXXX ( XXXX XXXX XXXX XXXX XXXX ), I requested validation of these debts. According to 15 U.S. Code 1692g, debt collectors must provide proof of the debt, including the original contract or agreement signed by me. If they can not provide such proof, the entries must be removed from my credit report. 

Unauthorized XXXX XXXX : I found an unauthorized hard inquiry from XXXX XXXX XXXX on my credit report, which I requested be deleted. Under 15 U.S. Code 1681b ( a ) ( XXXX ), a credit report inquiry can only be made if Ive given consent. Since I did not authorize this inquiry, I asked for its removal. 

In addition to disputing the above items, I made it clear that the credit reporting agencies and creditors have 30 days to complete their investigation, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i ( a ) ( XXXX ) ( A ). I also stated that I am keeping a record of their actions, including their verification method, and that I do not consent to automated verification systems like e-Oscar. 

Finally, I warned that if these issues are not resolved satisfactorily within the XXXX period, I would consider filing a lawsuit, citing potential violations such as defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act, for which I could seek {$1000.00} per violation as allowed under the law. 

So, in essence, I disputed inaccuracies, requested debt validation, and asked for the removal of unauthorized inquiries and incorrect information, making sure to follow the guidelines set by XXXX law to protect my rights as a consumer.

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 2024-11-20 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-20 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:
I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I have confirmed that these accounts and inquiries were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request their immediate removal. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - XXXX XXXXXXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I have confirmed that these accounts and inquiries were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request their immediate removal. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - XXXX XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of a data breach, and as such, fraudulent accounts and inquiries have been added to my credit report without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$630.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX  XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$520.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$670.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} Inquiries : XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  XXXX BALANCE {$8400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
I am disputing multiple items on my credit report under various provisions of U.S. law, specifically focusing on the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Validation of Debt ( 15 U.S. Code 1692g ) : For several accounts listed in my credit report, I am requesting that the debt collectors provide verification of the debts. This includes submitting the original signed documents ( e.g., contracts, notes ) and proof of their legal ability to collect the debt, such as a notarized agreement with the original creditor. Under the FDCPA, debt collectors must cease collection efforts until they validate the debt. Failure to provide this information could result in the removal of the items from my credit report.

Disputed Accuracy of Credit Information ( 15 U.S. Code 1681i ) : I am also requesting updates to certain accounts, stating they were paid as agreed and never late. Under the FCRA, I have the right to dispute inaccuracies on my credit report. If the credit reporting agency fails to correct these inaccuracies within 30 days, I could seek legal action. 

Legal Consequences for Non-Compliance : I have informed the recipients that if they do not provide the required verification or correct the inaccuracies within the 30-day period specified by the FCRA, I may take legal action. This could include filing a suit in federal court or a small claims action for violations of the FDCPA, FCRA, and potential defamation or negligent enablement of identity fraud. 

The letter is a formal demand for the removal or correction of the disputed items, based on my rights under these federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BILL.COM, LLC

Complaint narrative:
I applied for Bill.com to get paid by one of my clients, and this became a nightmare. 

First, I set up everything and the bank info based on all the instructions that I GOT when using their dashboard. And when my client was about to pay, they said they got a notification saying that my account wasn't set up for 'e-payment ' so they couldn't pay. 

There wasn't any notification or whatever on my interface, so I had to reach out to their support to make sure my account was set up correctly. Then they told me that was because I was using a free account, I had to upgrade to a paid account blah blah blah. 
So I did, I reached out to support again and asked them to make sure my account was set up correctly. After going through some stuff they CONFIRMED everything was ALL SET. I told my client that they could proceed with paying. 

However, the next day after my client paid on their end, I got a message from Bill saying that they would not process my payment until I submitted the documents to verify my identification. 
By the time I got the message, I was already not able to access the docs they asked for. 
Because I was not in the US. 

I asked them what are the alternative way to verify they told me to 'submit all the docs that I got ' and then they would decide what's the next move. 

So I submitted the docs that are very private and sensitive, including my passport and my company documents, and then on that evening I got an email notification saying that my case was 'SOLVED ' and my account had been CANCELED. 

The funny thing is there was a button where I could click and see the message, but I COULDN'T. 
Because apparently they just deleted my account, and I can't even know why or what will happen with that payment. 

Horrible. 
My money just was held hostage and is now taken away. 

This is ridiculous that I had proactively asked you to confirm everything was all set and then you told me something was wrong after I made the move. 

If they need 'another level ' of verification, you should have shown that when the user sets up the account INITIALLY. 
But there wasn't any.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-11-20 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, several fraudulent accounts and inquiries have appeared on my credit report. I request that these fraudulent accounts and inquiries be blocked and deleted from my credit file as per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$410.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$2400.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX  XXXX  - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX - XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX  - XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$200.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX  - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXXXXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX  - XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} Inquiries to be Investigated XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-11-20 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
Please be advised that I received a 1099C form for canceled debt on XXXX  account XXXX. Box XXXX indicates the debt is uncollectible and must be deleted. Supporting documents justify immediate removal from my file.

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