vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
A few days before XX/XX/2022 I notice my fico score significantly dropping from an XXXX I called the XXXX Police Department on XXXX at XXXX with XXXX XXXX, XXXX ( badge number XXXX ) Case Number XXXX the charges are Fraud and information fraud. I just can't believe the Trans Union, XXXX, XXXX have the audacity to write back investigation results verified and updated.

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 2023-09-07 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: IL

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries 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 non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am not liable for this Debt with XXXX XXXX XXXX XXXX I do not have a contract with the collection agency trying to collect and report negative in formation to my credit report. I do not have a contract or signed any legal documents with this agency. They did not provide me with the original contract as requested. 

Correction to my credit report, I demand this, I demand this account be removed from my credit report In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX has violated my rights. 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

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not liable for this Debt with XXXX XXXX XXXX XXXX I do not have a contract with the collection agency trying to collect and report negative in formation to my credit report. I do not have a contract or signed any legal documents with this agency. They did not provide me with the original contract as requested. 

Correction to my credit report, I demand this, I demand this account be removed from my credit report In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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:
The account listed on my report with XXXX XXXX XXXX, ending in XXXX, has accessed and misused personal information and has not removed the account per our prior agreement to do so with payoff. In accordance with The Fair credit reporting act This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: MS

Complaint narrative:
Im being over chargered XXXX MAKE A PAYMENT SETUP AUTOPAY PRINCIPAL & INTERESTXXXX ESCROW XXXX LOAN DETAILS LOAN NUMBER. MATURITY DATE XXXX/XXXXXXXX INTEREST RATE 6.75 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-07 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: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023.

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 2023-09-07 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: FL

Complaint narrative:
During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to XXXX  in the month of XXXX, payment as per my XXXX statement. I paid Commenity Bank through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them XXXX. I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to XXXX in the month of XXXX, payment as per my XXXX statement. I paid Commenity Bank through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them XXXX I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: TX

Complaint narrative:
I sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.

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 2023-09-07 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: FL

Complaint narrative:
I am writing to file a formal complaint against [ Credit Reporting Agency Name ] for multiple violations of the Code of Federal Regulations ( CFR ) and the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of charged-off accounts and late payments on my credit report. I am requesting enforcement of the CFPB 's authority under 15 U.S. Code 6805 to rectify these violations.

Details of the Complaint : 1. Reporting of Charged-Off Accounts : XXXX, XXXX, TransUnion has continued to report charged-off accounts on my credit report. According to the IRS, charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice is in direct violation of 12 CFR 1016.1, which requires financial institutions to provide consumers with the option to opt out of certain information sharing practices.

2. Reporting of Late Payments : I have discovered that XXXX, XXXX, TransUnion has reported late payments on my credit report. This is a clear violation of 12 CFR 1016.4, which mandates that financial institutions must provide consumers with a clear and conspicuous notice regarding their right to opt out of certain information sharing practices. The FCRA also requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement.

3. Failure to Comply with Opt-Out Requests : Despite my efforts to dispute and request the removal of these inaccuracies with [ Credit Reporting Agency Name ], they have failed to comply with my requests, as mandated by 12 CFR 1016.7. 
I kindly request that the CFPB investigates these violations and exercises its enforcement authority under 15 U.S. Code 6805 to compel XXXX, XXXX, TransUnion to delete these negative adverse accounts from my credit profile. These violations have had a detrimental impact on my creditworthiness and financial well-being. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. I have made every effort to resolve these issues with XXXX, XXXX, TransUnion directly, but my attempts have been unsuccessful. 
I appreciate your prompt attention to this matter and request your assistance in ensuring that [ Credit Reporting Agency Name ] rectifies these violations and upholds its obligations under the law.

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 2023-09-07 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: FL

Complaint narrative:
I am writing to file a formal complaint against [ Credit Reporting Agency Name ] for multiple violations of the Code of Federal Regulations ( CFR ) and the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of charged-off accounts and late payments on my credit report. I am requesting enforcement of the CFPB 's authority under 15 U.S. Code 6805 to rectify these violations.

Details of the Complaint : 1. Reporting of Charged-Off Accounts : Experian, Equifax, TransUnion has continued to report charged-off accounts on my credit report. According to the IRS, charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice is in direct violation of 12 CFR 1016.1, which requires financial institutions to provide consumers with the option to opt out of certain information sharing practices. 
XXXX. Reporting of Late Payments : I have discovered that XXXX, Equifax, XXXX has reported late payments on my credit report. This is a clear violation of 12 CFR 1016.4, which mandates that financial institutions must provide consumers with a clear and conspicuous notice regarding their right to opt out of certain information sharing practices. The FCRA also requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement.

3. Failure to Comply with Opt-Out Requests : Despite my efforts to dispute and request the removal of these inaccuracies with [ Credit Reporting Agency Name ], they have failed to comply with my requests, as mandated by 12 CFR 1016.7.

I kindly request that the CFPB investigates these violations and exercises its enforcement authority under 15 U.S. Code 6805 to compel XXXX, Equifax, XXXX to delete these negative adverse accounts from my credit profile. These violations have had a detrimental impact on my creditworthiness and financial well-being. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. I have made every effort to resolve these issues with XXXX, Equifax, XXXX directly, but my attempts have been unsuccessful. 
I appreciate your prompt attention to this matter and request your assistance in ensuring that [ Credit Reporting Agency Name ] rectifies these violations and upholds its obligations under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NY

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-09-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-09-07 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: MI

Complaint narrative:
I filed XXXX XXXX to remove any file or car loans, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: MI

Complaint narrative:
I filed XXXX XXXX to remove any file or car loans, 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 explanation
Consumer complaint received 2023-09-07 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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

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 2023-09-07 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Bankruptcy XXXX  XXXX Reference number : XXXX and Bankruptcy XXXX XXXX Reference number : 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