vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: NH

Complaint narrative:
On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : XXXX. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or XXXX-party entities contacted during your verification process, as required by law. 
XXXX. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.

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 2024-11-06 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: CO

Complaint narrative:
Have a problem with experian credit reporting now I am sending this to legal departments. The child support needs to show me a court order. Before or after XX/XX/scrub> 2017 that states.i am behind on child support. The court order attached shows blank. I am not behind in child support. Like the clam I am. Show me hard documents. Yes I report them to the state and federal officers for fraud. This will be a law suit on every one who refused to send me hard documents

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 2024-11-06 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: CO

Complaint narrative:
Have a problem with experian credit reporting now I am sending this to legal departments. The child support needs to show me a court order. Before or after XX/XX/year> that states.i am behind on child support. The court order attached shows blank. I am not behind in child support. Like the clam I am. Show me hard documents. Yes I report them to the state and federal officers for fraud. This will be a law suit on every one who refused to send me hard documents

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 2024-11-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: WV

Complaint narrative:
On XXXXXXXX XXXX XXXX XXXX XXXX, I attempted to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from what I believed was the online XXXX XXXX. Upon receiving the email for my order number, I reached out to cancel the order after realizing the size of the merchandise was not the size I needed. The email I sent came back with, no domain/invalid. I decided to wait until my order arrived and then promptly return it. After a couple of weeks the order never arrived. On XXXXXXXX XXXX XXXX XXXX XXXX I reached out to the XXXX Customer Service email again that sent me that order number, but again it was no domain/invalid, so I searched for the XXXXXXXX XXXX  and messaged them via chat about the issue. It was then that I was informed that the order number I was given was not valid, no order existed nor did they have a XXXX XXXX nor have they ever had one in their warehouse to sell!!! I was scammed! I checked my Chime account and found that the transaction I made to this XXXX XXXX went to the personal XXXX account under devinesmall and nothing associated with the XXXX XXXX. I then filed a dispute with Chime over the matter only to be denied. Then I filed an appeal, submitted evidence only to have the dispute denied again! I have never had this issue with Chime before and have even filed two disputes in the past to receive funds WITHOUT evidence, and now that I have evidence of a scammer they act unprofessional and deny helping me retrieve my stolen money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
After reviewing my consumer report, I discovered some instances or late payments on an account which I have always maintained on time payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX account number XXXX. 

I request a thorough investigation into these discrepancies and urge to such proof. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-11-06 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX, XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXXXXXX 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
Consumer complaint received 2024-11-06 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX, XXXX Last Verified Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: WI

Complaint narrative:
Tran Union is violating my rights by reporting Fraud info on my credit report. I asked several time to remove these fraud inquiries XXXX XXXX ( Miscellaneous ) XX/XX/year>XXXX XXXX XXXX  ( Bank ) XX/XX/year> I contacted the company above & they said they will investigate & remove but nothing. 
I filed an FTC report & police report. I am a victim of ID theft & I am supposed to have fraud alerts on my trans union account. 
Tran union has already breached my data & Im just tired of hackers getting my personal info. 
Also trans union has made a serious error in computing XXXX XXXX XXXX XXXXcently XXXX points were dropped when my credit is excellent & only thing that changed was I used {$70.00} something on one of credit cards when I have 1 % of utilization, I have $ XXXX in positive credit & I use {$75.00} & it goes down XXXX point smh Trans Union plays games & their computer generated XXXX  system is so full of flaws. There is absolutely no reason my credit dropped that much, I have no collections, no new accounts nothing else negative. Tran Union just loves to pick on me & hold me back. Im fed up with Trans union & I am going to seek legal matters asap!!

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 2024-11-06 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:
This serves as my final notice before I pursue legal action. I have made multiple requests, and Im done asking politely. Despite my numerous notifications regarding inaccurate, erroneous, and unverifiable information on my credit report, no corrective action has been taken.

Under the FCRA, you are required to retain original documentation from creditors to confirm that the reported information is accurate and verifiable. In response to your investigations and subsequent reinvestigations, you stated in writing that this information is reported correctly. I have repeatedly asked for clarification on who verified these accounts, yet you have failed to provide any original documentation as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Per Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any unverifiable information.

Sections 616 and 617 offer legal recourse if a credit reporting agency is noncompliant, which applies here. Since you have claimed verification of these accounts without providing any supporting information, I am giving you a final opportunity to DELETE the accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
My name is XXXX XXXX. The last four of my social is XXXXThe Best Service Company is reporting a collection account to the credit bureaus. This account is not mine. I filed a dispute with the nationwide consumer reporting agencies ( XXXX, XXXX and XXXX ). In addition, I called the Best Service Company on XX/XX/year>, between XXXX XXXX XXXX XXXX XXXXXXXX XXXX The first agent was a male named XXXX. After I asked to file a complaint against a rude agent, he transferred me back to the automated system ; this is known as call avoidance. I called back and a female agent identified as XXXX XXXX. XXXX interrupted me and continued to interrupt after I asked her not to. XXXX then deliberately and willfully disconnected the call. I called back and she did this three more times. XXXX disconnected the call on me for a total of four ( 4 ) times consecutively. I never used profanity. Again, this is call avoidance. This company has employees that are rude and unprofessional. This gives the company a bad look. I'm not surprised they have XXXX XXXX XXXX XXXX XXXXXXXX I seek to hold this company accountable. Again, this is not my account. I dispute that debt and I refuse to pay it.

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 2024-11-06 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: NH

Complaint narrative:
On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 
2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.

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 2024-11-06 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: NH

Complaint narrative:
On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.

2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.

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 2024-11-06 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX, XXXX Last Verified Date XXXX XXXX 2024 XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX 2024 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 2024-11-06 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: MO

Complaint narrative:
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I see that TransUnion has attempted to fix the issues I have complained about and I'm thankful, but I keep complaining about the same issues being furnished that are violating my federally protected consumer rights. I received mail that I will have attached below from TransUnion in reference to my XXXX XXXX XXXX accounts that they're reporting. I still see my experiences with XXXX XXXX XXXX  are still showing on the report. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I will have the experiences that are still being furnished from XXXX XXXXXXXX XXXX  report marked up in the attachment below. Also, my invoice is attached below.

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