vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: IL

Complaint narrative:
I recently reviewed my credit reports, and I noticed these inaccurate and inconsistent accounts. 
According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am an XXXX Veteran and I am in the process of purchasing a home for my family and this is hugely affecting me, in a negative way.

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 2024-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have enlisted the aid of XXXX agency to consolidate my debts and lower interest rates. I have only been able to make minimum payments for the last couple of years. Synchrony Bank is the only creditor that has not accepted the offer from this company. They are wanting a larger payment than offered. If they had accepted the offer I would not have a late payment. The offer for a balance of {$1700.00}, was {$42.00} per month, they refused it wanting {$43.00} per month. I approved the increased deduction for XXXX and when it was offered they wanted {$3.00} more {$46.00}. XXXX contacted me to increase the withdrawal from my checking account. During this time I have been getting collection calls from Synchrony that I have not picked up. The total debt amount at the time it went to XXXX was {$1700.00}, the account was closed. I am sure they have added late fees and other charges to my total debt. I chose to handle my debt responsibly and reimburse everyone rather than choose Bankruptcy. The original offer was for {$1700.00} and {$42.00} per month. Please help!

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 2024-07-03 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: MD

Complaint narrative:
This is my third attempt to address this issue. I have filed disputes with all three credit bureaus and lodged a complaint with the CFPB as well. On XXXX XX/XX/year>, I opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  phone coverage, and various other gifts included in the bundle offer. 

Shortly after placing the order online, I received the attached document but no subsequent instructions on how to set up my account. It's possible that the email containing account setup information was intercepted by a hack ( as has occurred previously ) or lost due to factors beyond my control. For this reason, I utilize both credit and ID theft monitoring services. 

The primary goal of my fourth attempt to resolve this is to assert that I did not receive any account setup information ( neither via email nor postal mail as indicated in the attached email ) until my credit monitoring service ( i.e., XXXX XXXX, XXXX, XXXX XXXX, etc. ) flagged the overdue amounts as a derogatory remark on my credit report. 

I am at the mercy of the XXXX XXXX XXXX to rectify a mistake for which I believe no one is at fault ; however, it impacts my XXXX years of impeccable credit history and an XXXX XXXX score for no reason other than what XXXX XXXX XXXX deem as obligatory factual reporting . Once again, as a loyal Samsung customer for nearly XXXX decades, I do not wish for this relationship to be tarnished by a seven-year derogatory mark on my credit report for an issue that has since been resolved and was due to a missing email or piece of mail that was either lost or intercepted. 

Respectfully, XXXX XXXX XXXX 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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 inructions 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. 

These are the inquiries which should be off from report. 
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 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 2024-07-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Employer - XXXXXXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX Unknown - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Follow up on " XXXX '' - the bank responded : " '' We've confirmed - no neew bank accounts or Dell Pay Credit Accounts were opened in your name. We're unable to find an account ending in XXXX, as referenced in your correspondence. '' It's ( XXXX ) - XXXX XXXX XXXX XXXX, learn how to read, if stealing money from people is what you do best- you should still know how to read. 


COMENITY CAPITAL BANK opened a new account ( XXXX ) under my name, without my consent or any involvement, which includes a charge with interest and fees under my name, which they keep increasing and submitting to Credit Bureaus ruining my credit score. The account I had opened with Dell Financial/bank was : XXXX It can clearly be seen from the Dell Financial Services email confirmation for {$150.00} Autopay setup here ( XXXX ) : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request detailed verification and documentation regarding the investigation process for a disputed bankruptcy on my credit report. This dispute was submitted to Experian on XX/XX/XXXX, and was marked as verified on XX/XX/XXXX. I am seeking verification in accordance with Section 611 of the Fair Credit Reporting Act ( FCRA ) and Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 
Disputed Bankruptcy Information : Bankruptcy Case NumberXXXX XXXX XXXXXXXX Filing Date** : [ Filing Date ] : XX/XX/XXXX Report Number : XXXX Fair Credit Reporting Act ( FCRA ) - Section 611** : Under Section 611 of the FCRA, I have the right to request and receive a detailed explanation and documentation of the procedures used during the reinvestigation of my dispute. This includes the sources of the information that were used to verify the accuracy of the disputed bankruptcy. 
Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : Under Section 501.204 of the FDUTPA, I am entitled to fair and transparent business practices. The verification process conducted by Experian must comply with these standards to ensure that no deceptive or unfair practices were employed during the investigation.

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 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Inc identDescription PrintTh isReport XXXX was the victim of a robbery of his identity documents resultin the accounts below : XXXX XXXX XXXX XXXX XXXX with account # XXXX on XX/XX/year>. 
XXXX Credit Card with account # XXXX with a balance of 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 2024-07-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Inc identDescription PrintTh isReport XXXX was the victim of a robbery of his identity documents resultin the accounts below : XXXX XXXX XXXX XXXX XXXX  with account # XXXX on XX/XX/year>. 
XXXX Credit Card with account # XXXX with a balance of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-07-03 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.

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 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX THIS DEBT DOES NOT BELONG TO ME. I WISH FOR IT TO BE REMOVWED FROM MY 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 2024-07-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX THIS DEBT DOES NOT BELONG TO ME. I WISH FOR IT TO BE REMOVWED FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
FCO Fair Collection & Outsourcing placed a collection on my credit reports last year. I've reached out to them multiple times via certified mail with a return receipt service and requested a validation. The collection alleged a debt with the original creditor XXXX XXXX for {$4400.00}. Despite my request for validation of the debt from FCO Fair Collection & Outsourcing and XXXX XXXX, they have failed to provide adequate verification within the specified time frame. 
I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy Pursuant to 15 USC 1681 2B. FCO Fair Collection & Outsourcing has no permission or right to report on my credit report. This collection should be removed from my credit reports.

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 2024-07-03 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file, hindering my ability to lead a normal life, and causing immense hardships. 

The negative impact of these inaccuracies has been profound, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-03 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-03 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-07-03 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: CA

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is an infringement of my right to privacy as I never authorized this information to be on my report.

Company response to consumer: Closed with explanation