vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-12-18 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-18 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-19 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-18 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-18 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: NC

Complaint narrative:
I am submitting this comment to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues with inaccurate, inconsistent, and incomplete information on my consumer report. I have disputed these errors three times, on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. Unfortunately, despite my efforts, the disputed accounts were either marked as verified or accurate, yet they continue to be reported with additional incorrect, inconsistent, or incomplete information. 

I am providing this final opportunity for the credit bureaus to resolve this matter by removing these inaccurate accounts from my consumer report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  Despite my prior disputes, the information remains incorrect and is severely impacting my credit standing. I kindly request the CFPBs assistance in ensuring that the credit bureaus take appropriate action to correct these inaccuracies and remove these accounts from my credit reports. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
I am submitting this comment to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues with inaccurate, inconsistent, and incomplete information on my consumer report. I have disputed these errors three times, on the following dates : XX/XX/2024, XX/XX/2024, and XX/XX/2024. Unfortunately, despite my efforts, the disputed accounts were either marked as verified or accurate, yet they continue to be reported with additional incorrect, inconsistent, or incomplete information. 

I am providing this final opportunity for the credit bureaus to resolve this matter by removing these inaccurate accounts from my consumer report. The accounts in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior disputes, the information remains incorrect and is severely impacting my credit standing. I kindly request the CFPBs assistance in ensuring that the credit bureaus take appropriate action to correct these inaccuracies and remove these accounts from my credit reports. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-12-18 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: Security Credit Services, LLC
State: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Security Credit Services Address : XXXX XXXX XXXX XXXX, XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear SECURITY CREDIT SERVICES I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: PA

Complaint narrative:
Ive identified mistakes in my credit report, particularly regarding late payments, which dont align with my payment habits. Please rectify these errors.

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 2024-12-18 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: Global Lending Services LLC
State: IL

Complaint narrative:
I am writing to dispute unauthorized hard inquiries on my credit report. I sis not authorize the following inquiries : GLOBAL LENDING SERVICES LLC on XX/XX/year>XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX on XX/XX/year> US DEPARTMENT OF EDUCATION on XX/XX/year> These inquiries were made without my knowledge or consent, they are negatively impacting my credit score. I request that you investigate this matter and remove these inquiries from my credit report. You will see attached a copy of my credit report as well as a copy of my FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
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 explanation
Consumer complaint received 2024-12-19 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: PA

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2024-12-18 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
Lately Ive been looking at my credit reports and see major and minor hiccups from companies. XXXX XXXX  has a late payment dating back to XX/XX/2020. It still appears there after I complained to them about me making a payment and they processed it late, so it still showing up as a negative on my credit report, I want this problem solved 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 explanation
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
I am submitting this comment to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues with inaccurate, inconsistent, and incomplete information on my consumer report. I have disputed these errors three times, on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. Unfortunately, despite my efforts, the disputed accounts were either marked as verified or accurate, yet they continue to be reported with additional incorrect, inconsistent, or incomplete information. 

I am providing this final opportunity for the credit bureaus to resolve this matter by removing these inaccurate accounts from my consumer report. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior disputes, the information remains incorrect and is severely impacting my credit standing. I kindly request the CFPBs assistance in ensuring that the credit bureaus take appropriate action to correct these inaccuracies and remove these accounts from my credit reports. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-12-18 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Late Payment Reported by XXXX XXXXXXXX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate late payment reported by TXXXX XXXX XXXX on my credit report XXXX According to the report, a late payment has been incorrectly listed on my paid-off account with XXXX XXXX XXXX which I believe is erroneous. 
I have reviewed my account and payment history with XXXX XXXX XXXXXXXX and can confirm that I have never been late on this account. The account has been paid off in full, and there are no legitimate reasons or instances where my payment was delayed or missed. I am requesting that XXXX XXXX provide documentation or proof of any alleged late payment to substantiate their claim. 
Please provide me with the following documentation : XXXX. Proof of the late payment transaction, including the date and any supporting evidence that shows the payment was late. 
XXXX. A detailed payment history for the account, showing any delay in payment, if applicable. 
If XXXX XXXX is unable to provide such documentation or evidence to support this late payment, I request that you immediately take action to have this inaccurate late payment removed from my credit report, as it is a clear violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any disputed information must be corrected or deleted if it can not be verified as accurate, and I request that this alleged late payment be deleted from my credit file. 
Please note that I expect this matter to be resolved within the XXXX timeframe outlined by the FCRA. If the issue is not rectified within this period, I will consider taking further action to protect my rights under the law. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian Disputes Department, I am writing to formally demand that you immediately correct and cease altering the spelling of my legal name in your records. My legal name is XXXX XXXX XXXX, and it has been consistently misrepresented as XXXX in your system. This is both incorrect and unacceptable, as it is causing unnecessary issues and jeopardizing my ability to manage my credit effectively. 

I have attached copies of the following documents to verify the correct spelling of my legal name : 1. Government-Issued Photo ID ( e.g., Drivers License/Passport ) 2. Social Security Card There is absolutely no justification for your failure to reflect my accurate legal name as it appears on all of my documentation. By continually altering my name to an incorrect spelling, Experian is not only failing to uphold its legal responsibility under the Fair Credit Reporting Act ( FCRA ) but is also directly impacting my ability to conduct financial transactions accurately and efficiently.

I demand the following actions be taken immediately : 1. Remove any and all incorrect variations of my name, including XXXX. 
XXXX. Update and maintain my file with the correct spelling of my name : XXXX XXXX XXXX. 
XXXX. Confirm in writing that this correction has been made and that the error will not reoccur. 

Failure to comply with this request will result in my pursuit of all available remedies under the FCRA, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially initiating legal action. 

I expect a written response confirming resolution of this matter within 30 days from the date of this letter, as required by law. I trust that you will take this matter seriously and rectify this issue immediately. 

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