vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: OR

Complaint narrative:
XXXX. XXXX XXXX - XXXX Violations Identified : Payment History : The late payments reported ( XX/XX/scrub>30/60/90 days ) lack a clear and complete timeline as required under the Metro 2 guidelines. 
High Balance/Credit Limit Discrepancy : High balance inconsistently matches the credit limit, creating unclear reporting. 
Date of Last Activity ( DLA ) : Inconsistent reporting of the DLA between the bureaus. 
Closed Status : Closed account reflects a {$0.00} balance but retains a delinquent status, which is inconsistent with FCRA guidelines. 
Remarks : Incomplete or conflicting remarks regarding account status ( e.g., " Account closed due to inactivity '' and " Paid as agreed '' ). 
XXXX. XXXX XXXX XXXX  - XXXX Violations Identified : Late Payment Reporting : Late payments fail to reflect uniformity across all three credit bureaus ( XXXX, XXXX XXXX TransUnion ). 
Date Opened : Inconsistent date opened across bureaus. 
Account Status : " Open '' status while remarks suggest " Closed '' under Metro 2 coding inconsistencies. 
XXXX. [ Account Name, Account Number ( e.g., XXXX XXXX XXXX ) ] Violations Identified : Dispute Resolution Status : No " XB '' code indicating investigation under FCRA guidelines, despite a dispute having been submitted previously. 
Payment Frequency Reporting : Missing monthly payment data fields for an account listed as active. 
Credit Limit Reporting : Failure to accurately reflect the balance owed upon closure or reflect true terms of the loan agreement.

Legal Basis : Pursuant to the FCRA ( 15 U.S.C. 1681 et seq. ), information furnished to consumer reporting agencies must be accurate, complete, and verifiable. The identified discrepancies demonstrate violations under : 15 U.S.C. 1681e ( b ) : " Maximum possible accuracy '' standard.

Metro 2 Compliance Guidelines : Uniformity and consistency requirements across credit bureaus. 
15 U.S.C. 1681i : Obligation to reinvestigate disputed information.

15 U.S.C. 1681s-2 : Furnisher obligations for reporting accurate 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 non-monetary relief
Consumer complaint received 2025-01-02 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

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 2025-01-02 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-02 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: OH

Complaint narrative:
I reviewed my credit report and noticed that I have been a victim of identity thief. There are several accounts that do not belong to me. I have wrote letters and disputed these items with all major agencies including Experian, XXXX and XXXX and they have not remove this false and inaccurate information.

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 2025-01-02 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: GA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. 
Attached you will also find my ID as XXXX and my Proof of Address. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the 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 2025-01-02 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 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 2025-01-02 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: OH

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 2025-01-02 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:
This situation is completely unacceptable. Accounts in pending litigation are still appearing on my credit report, and its damaging my credit score every day. Ive reached out several times to correct this, but I havent seen any real progress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am exhausted from trying to fix this problem with Equifax confusing my identity! I have sent verifying documentation several times and they refuse to fix my credit report. They aren't even reporting my name correctly and there are several accounts that do not belong to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I bought a car from XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX went out of business and sold my loan to a XXXX  party person but I did not sign a contract with a XXXX  party person so I'm trying to figure out what legal matters I can take against XXXX XXXXXXXX XXXX because it put me in a financial behind because the car broke down and I couldn't afford to get it fixed because I was trying to keep paying them so I wouldn't fall behind but I kept falling behind I'm still at the same amount that I basically originally started with I was just like for them to settle this case because I still owe over {$12000.00} on a XXXX XXXX XXXX it looks like the more I pay the more it go up and I've had this car for over XXXX  years and I still owe this much money that's not right this is a upside down car and I am really trying to get out of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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 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 explanation
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) & 15 USC 1692c Responsibilities of Furnishers : 15 USC 1681s-2 & 15 USC 1635 & 15 USC 1692g The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints against Experian for their unlawful practices, violating my consumer rights. I have not authorized Experian to report any information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. XXXX failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Experians failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : XXXX/Account XXXX XXXXXXXX Balance : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Account # XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Account # XXXX Balance : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Account # XXXX Balance : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX/Account # XXXX Balance : XXXX XXXXXXXX : XX/XX/XXXX Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This failure to prove the alleged debt is attached to me is a violation of my rights under federal law. I requested verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, and I have not received anything. It raised concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me and this is a violation of the FCRAs requirement for a permissible purpose in reporting credit information. I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Experian fair opportunities to rectify this issue, but my credit file is still being bullied around.

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 2025-01-02 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: LA

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 non-monetary relief
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section XXXX ( XXXX ) ( A ) of the XXXX are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that XXXX the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX Account XXXX  XXXX This account reports Date Opened showing XXXX different dates from XXXX and EXPERIAN. The Date Last Active on this account shows XXXX different dates from XXXX and EXPERIAN. As well as the Account XXXX. It should be reporting the same information across the board. Please DELETE for inaccuracies * XXXXXXXX XXXX  Account XXXX  XXXX account report multiple inaccuracies, Account Status, High Credit, and Date Last Active reports different from XXXX and Experian XXXX The dates and amounts should match the same across the board and it doesnt. Please DELETE for inaccuracies. 

XXXX Account XXXX XXXXXXXX This account report multiple inaccuracies, High Credit, Credit Limit amount, and Date Last Active reports different from XXXX. The dates and amounts should match the same across the board and it doesnt. Please DELETE for inaccuracies. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

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 2025-01-02 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: NJ

Complaint narrative:
After reviewing my credit report, I discovered several inaccuracies in my personal information from Experian that require immediate attention and correction. My credit report lists an incorrect Social Security number variation ( XXXX ), but the correct XXXX  should be XXXX. It also lists multiple incorrect addresses, whereas the correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and it shows several employers that are not mine, with the correct employer being XXXX XXXX XXXX  XXXX XXXX. Lastly, remove all phone numbers listed on my consumer report. These errors violate the FCRA, which requires maximum possible accuracy under 15 USC 1681e ( b ). I demand immediate correction of my credit report to reflect the accurate information. Failure to act promptly will be considered willful non-compliance under FCRA, making your agency liable for damages under 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