vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: OH

Complaint narrative:
I am writing to request your immediate intervention and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) Section 605C, which protects survivors of human trafficking. Despite my submission of documentation to TransUnion as a XXXX XXXX XXXX XXXX, they have failed to block and remove adverse information from my credit file that directly resulted from my trafficking circumstances. This non-compliance violates my rights as outlined by federal law. 

I kindly urge the CFPB to take swift action to enforce the provisions of Section 605C and compel TransUnion to comply by removing all adverse information related to my trafficking experience. Additionally, I would like to highlight the following legal precedents and case laws which support my claim and further affirm TransUnions legal obligation to correct my credit file : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605C ) : This section clearly mandates that consumer reporting agencies must block adverse information in a consumers credit report when such information resulted from trafficking. 

XXXX XXXX TransUnion, LLC, XXXX. XXXX ( XXXX XXXX XXXX ) : In this case, the court reaffirmed that credit reporting agencies are required to comply with the FCRA and that failure to block inaccurate or misleading information constitutes a violation of federal law. 

XXXX XXXX. TransUnion, LLC, XXXX. XXXX ( XXXX XXXX XXXX ) : This case reinforced that trafficking survivors have rights to have adverse information resulting from trafficking removed or blocked from credit reports and that non-compliance with FCRA Section 605C opens the credit reporting agency to liability. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) : The court held that consumer reporting agencies must investigate and block information in credit reports that is not attributable to the consumer, including instances where such adverse information resulted from illegal activities. 

TransUnions failure to remove the adverse information on my credit report is causing ongoing harm to my financial well-being, violating my rights, and perpetuating the impact of the trafficking I endured. I request that the CFPB enforces the statutory protections outlined in FCRA Section 605C, ensuring that TransUnion acts immediately to block and remove the erroneous information 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 non-monetary relief
Consumer complaint received 2024-10-19 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: TX

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 non-monetary relief
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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 recently review a copy of my credit report and noticed I had fraudulent account on my report. Please removed this account from my report, they are hurting my ability obtain credit

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 2024-10-19 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: GA

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent account on my report. Please removed this account from my report, they are hurting my ability obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
As per guidance from the consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX  Reported balance- {$2800.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
They have had the wrong reporting on my account past seven years, which is against the credit act. I want the correct reporting of my credit score which should be higher and removal of any negative accounts.

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 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Card has misleading information and has not shared credit injury findings. Approximately 3 months ago, I noticed my payments were not reflected on my account. When I contacted Discover Card, I was made aware that my account was suspended and that several offers were sent to me. I advised the representative that I have never received offers to assist with making my account current. However, I was told that my account would continue the suspense status until a review of my credit report around the XXXX of the month. Also, I will not be updated on the findings of Discover reviewing my credit report and other credit accounts ( performing monthly credit card inquiries ). I continued to pay discover with payments above minimum requirements due to discover only offering a program that would continue the suspense for 6 months or 12 after I complete the program. The card will be placed under a credit inquiry on the XXXX of the month to see if the suspense will be lifted. Discover has been running credit inquiries without my permission ; discover has not shared the results of the credit inquiry. Discover only has permission to run identity theft checks to protect me, discover has refused to inform me of the credit inquiry, only stating, " we can do this because of suspense. ". I expressed that if the account is in fact closed, I must be informed that Discover has denied the account being closed. Discover will continue to perform inquiries on my credit report/profile. When an account is available for status updates and changes, the consumer must be notified. Discovers does not have permission to run my credit report without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: KY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
They have had the wrong reporting on my account past seven years, which is against the credit act. I want the correct reporting of my credit score which should be higher and removal of any negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
They have had the wrong reporting on my account past seven years, which is against the credit act. I want the correct reporting of my credit score which should be higher and removal of any negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I purchased a trip from a travel agent XXXX XXXX of XXXX XXXX XXXX to the XXXX XXXX which included the resort, events, and a boat party. I started making payments to XXXX via a merchant processing company called Partially in XX/XX/XXXX until XX/XX/XXXX for a sum of {$1300.00} for the travel package. I then later sent {$100.00} via XXXX to pay for the boat party. The dates for the trio was XX/XX/XXXX til XX/XX/XXXX. 

On XX/XX/XXXX, when I arrived to the XXXX XXXX I found out that I did not have a reservation. XXXX XXXX had not transferred the monies to the resort. This was true for myself and about XXXX other travel people. I also found out on XX/XX/XXXX that XXXX was deceased as of that day. I had to repurchase a room at the resort in order to have somewhere to stay after traveling to XXXX XXXX XXXX 

I tried resolving this through Chime bank, which was the account I used to make monthly payments to XXXX and the card used to XXXX XXXX for the boat party. I filed a dispute " for services/goods not rendered. Chime denied my dispute saying they found no error. Several of the other travelers are getting their refunds and I feel that Chime should refund mine as well. 

I sent documents showing where I purchased the trip, had to repurchase the day I got there, and XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have been paying One Main Financial roughly {$220.00} every XXXX weeks since XXXX for a refinanced loan using my car as collateral. They offered me the opportunity to borrow money and they just simply reworked the conditions of the loan with all of these add-on insurance products. Im still XXXX in business with OMF on a loan that should be nearly paid for. The original loan was for XXXX with all the additional insurance charges. After the high finance charge the loan was determined to be {$21000.00} that I would be paying back. In XXXX of XXXX I contacted OMF in regards to removing these additional products that they informed me I needed to have. I feel its really unfair that Im still paying for a loan that it appears I already paid for. They never explained that when they offer additional funds it starts the loan over with those products which ultimately just extends the loan and charges. I would like to be refunded for being fooled into being told these additional products where needed. This is unfortunate and a form of financial trapping. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: CO

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The debt collector I C Systems, is still reporting things to an closed account. This account is still open since 2020 and reporting which is invalid. I Reached out to this debt collector for validation, I got no response.

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 2024-10-19 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: VA

Complaint narrative:
FTC Report Number XXXX Amount stated is not valid.. please provide physically proof. I don't owe possibly someone with a similar name.. Bankruptcy - The courts do not report to credit bureaus this information is unverifiable and inaccurate/ invalidated account. Removal from all credit agencies as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: VA

Complaint narrative:
FTC Report Number XXXX Amount stated is not valid.. please provide physically proof. I don't owe possibly someone with a similar name.. Bankruptcy - The courts do not report to credit bureaus this information is unverifiable and inaccurate/ invalidated account. Removal from all credit agencies as soon as possible.

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 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am writing to dispute a fraudulent account that is being reported by National Credit Adjusters for XXXX XXXX XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that National Credit Adjusters for XXXX XXXX XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supplyme with a contract or agreement signed with your company or the Creditor.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITORVERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THATYOU CLAIM IS OWED.ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROMTHE ORIGINAL CREDITOR TO THE CURRENT CREDITORPLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BYTHE ORIGINAL CREDITORPLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINALCREDITOR TO THE SECURED TRUST AND THEN BACK TO THEORIGINAL CREDITORPLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT.Please do not look at my credit report or report anything to my credit I dispute I owe thisdebt amount to you and that dispute should be stated on my credit report if you have reportedthis debt.PERMISSABLE PURPOSEPlease State why you have a permissible purpose to contact my credit. I disputethis. IF YOU PASS THIS ON TO ANOTHER COLLECTORI dispute I owe this debt to you. If you pass this on to another debt collector, please providethem notice of my dispute to owing this debt. Thank youfor your immediate cooperation.the XXXX

Company response to consumer: Closed with explanation