vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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 filing this complaint against TransUnion for failing to comply with federal laws governing the handling of disputes under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. Transunion has refused to properly investigate or remove fraudulent accounts reported to FTC Identify Theft on my credit file, causing significant harm and violating my rights. 

Background : On XX/XX/XXXX, TransUnion informed me that 7 of the fraudulent accounts I reported on XX/XX/XXXX to the FTC Identity Theft as fraud accounts were " verified '' per the debt collector, despite being flagged as fraudulent. This response came after 36 days of delay, resulting in an inconclusive decision and allowing the fraudulent accounts to remain on my credit report. 

CRAs Failure to Comply : Despite my clear and lawful dispute, Transunion either failed to perform an adequate investigation or improperly verified the accounts with the original creditors/debtors without validating their legitimacy. 
This constitutes a violation of my rights under 15 U.S.C. 1681i ( a ), which requires the CRA to conduct a reasonable reinvestigation of disputed information and delete inaccurate, incomplete, or unverifiable items.

Harm Caused : The continued reporting of these fraudulent accounts is negatively impacting my credit score and financial well-being.

Additionally, I have spent considerable time and resources attempting to correct this issue, only to encounter further delays and noncompliance by Transunion.

- Laws Violated - Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Transunion failed to meet its obligation to reasonably investigate my dispute under 15 U.S.C. 1681i ( a ). 

Transunion continued to report unverifiable and fraudulent information, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Transunion willful noncompliance with its obligations constitutes a violation of 15 U.S.C. 1681n, which provides for civil liability for willful violations, including damages, attorneys fees, and punitive damages.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Transunion improperly relied on a creditor or debt collectors unverified claims without ensuring the accuracy of the account, potentially facilitating abusive debt collection practices.

This constitutes a violation of 15 U.S.C. 1692k, which provides for civil liability for violations, including actual damages, statutory damages, and attorneys fees.

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 2024-12-25 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: NY

Complaint narrative:
I have a big complaint against XXXX credit bureau. This agency is been lowering my credit tremendously ( XXXX points or more ) without any valid reason since my payments are on time and I don't have any past due or over the limit accounts. Every time that I called them I was told that they do this automatically and there is not one to talk. I would really like to know why they are doing that because every time that they do this is when my credit score is about to increase, and instead of doesn't increase because they lower it too low.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: AR

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-12-25 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Recovery Solutions, LLC
State: IL

Complaint narrative:
Subject : Debt Validation Request Reference # : XXXX To Whom It May Concern, I am writing in response to your recent co

mmunication regarding an alleged debt you claim I owe. Please take notice that this is not an acknowledgment or acceptance of the debt. I am requesting that you provide validation and verification of the debt under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I am entitled to request the following information within 30 days of receipt of your notice : 1.The name and address of the original creditor 2.Chain of Title or Chain of Assignment 3.The day of the first delinquency 4.The day of the last payment and the amount 5.A detailed explanation of how the amount claimed was calculated, including any fees, interest, or other charges ; 6.Verification of my liability, including any documentation proving that I agreed to pay what you claim I owe. 
XXXX also request that you cease any further collection activity or reporting to credit bureaus regarding this debt until you have provided the requested documentation to verify the validity of the debt. Failure to comply with this request within the time allowed may be a violation of the FDCPA and other applicable laws.

Additionally, please note that under the FDCPA : You are prohibited from contacting me about this alleged debt other than to provide the requested verification or to notify me of your intent to cease collection efforts. 
You must cease all collection efforts, including phone calls, letters, or other communication until you have supplied the requested debt validation. 
If you are unable to provide the requested documentation within the time required, you must cease collection efforts and remove any adverse information you have reported to the credit reporting agencies about this alleged debt Thank you for your prompt attention to this matter. I look forward to receiving the necessary verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I cashed my brothers XXXX check and my child support check and chase said that I wasnt supposed to deposit someone elses check into my account. I didnt think it was a problem but chase called the bank, my brothers job and they wanted a phone number on him too, the number I provided they said the number was not registered to him. Then chase just closed my account and took all my money. I would like to escalate this problem please I dont think it was fair especially during the holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: DE

Complaint narrative:
The following inquiries are not recognized nor authorized to be reported on my credit report. Also, there is no attached account to these inquiries reported on my credit report. My credit report is on a freeze for unauthorized inquiries and the inquiries were not removed. Please remove them as soon as possible. The inquiries are not/were not inquired by me. Thank you.

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 2024-12-25 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: CA

Complaint narrative:
" The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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 2024-12-25 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: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: AR

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-12-25 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: AR

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XX/XX/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 2024-12-25 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Re : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to file a formal complaint regarding inaccurate information on my credit report that has not been corrected, despite my repeated efforts to resolve the issue directly with the XXXX major credit bureaus : XXXX, Experian, and XXXX. 

Details of the Dispute : My Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : [ XXXX ] Address : XXXX XXXX XXXX XXXX Date of the Credit Report : XX/XX/XXXX Inaccurate Information : The inaccurate information on my credit report pertains to [ briefly describe the issue for example, an incorrect account, outdated information, duplicate entries, incorrect balances, showing incorrect details about the missed payments, account status, balance, etc. ]. 

Efforts to Resolve with the Credit Bureaus : I have already contacted XXXX, Experian, and XXXX multiple times to dispute the information. Despite providing them with the necessary supporting documentation ( such as bank statements, payment receipts, or correspondence ), the inaccurate entry has not been removed from my report, and the bureaus have failed to correct or resolve the issue. I am attaching copies of the correspondence I had with each bureau, including dispute confirmations, as well as any supporting documents that were provided to them. 

I believe this information is erroneous and must be removed from my credit report, as it is negatively impacting my credit score and my ability to obtain credit.

I respectfully request the Consumer Financial Protection Bureau 's assistance in investigating and resolving this matter, as my attempts to address this issue with the credit bureaus have been unsuccessful. 

Supporting Documents : I have attached copies of the following documents to support my case : Copy of my credit report showing the inaccurate information Correspondence with XXXX, Experian, and XXXX Supporting documentation ( bank statements, payment records, etc. ) Please let me know if any further information or documentation is required to facilitate the resolution of this dispute. I would appreciate your prompt attention to this matter and any assistance you can provide. 

Thank you for your time and consideration. 

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