vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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:
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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX Has Violate my rights . 

I looked at my Transunion Credit Report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Subject : Request for Debt Validation and Assignment of Contract To Whom It May Concern, I am writing to request validation of the debt referenced under account number [ XXXX ]. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) as stipulated under 15 U.S.C. 1692g, I am requesting that you provide me with the following information : Proof of the debt : Please provide me with a copy of the original signed contract or agreement that establishes my responsibility for this debt. 
Assignment of Contract : Please provide a copy of the assignment of contract, showing that the current collector has been legally assigned or purchased the right to collect this debt from the original creditor. 
Until I receive this verification, please cease all collection activities, including reporting this debt to any credit reporting agencies. According to 15 U.S.C. 1692g ( b ), I am entitled to dispute the validity of the debt, and I request that the information about this debt be removed from my credit report if you are unable to provide the requested documentation. 
Please send your response to the address listed above within 30 days of receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 monetary relief
Consumer complaint received 2024-09-24 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: NJ

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to dispute the inaccurate reporting of my mortgage account # XXXX by Pentagon Federal Credit Union to the credit reporting agencies XXXX, XXXX, and XXXX. My mortgage account was placed on a hardship payment deferment program from XX/XX/XXXX until the mortgage loan was paid off in XX/XX/XXXX due to the financial hardships I faced as a result of the XXXXXXXX XXXX. My account should never have been listed as late. 

During the course of the hardship assistance program, I encountered numerous challenges and discrepancies in dealing with Pentagon Federal Credit Union. The process was plagued with delays, lost paperwork, unresponsiveness, and conflicting information from your representatives. In XX/XX/XXXX, despite being assured that everything was in order, I discovered that my home was in foreclosure, which forced me to take immediate action, including temporary bankruptcy filing, to avoid losing my home. 

Furthermore, the obstacles I faced in receiving a {$50000.00} Virginia XXXX grant to help with my mortgage payments were compounded by the difficulties imposed by Pentagon Federal Credit Union. These experiences have led me to believe that the actions of your representatives were intentionally obstructive and designed to put me at a disadvantage in order to facilitate the bank 's financial gain through foreclosure. I have detailed records of correspondence with your representatives as evidence as well as recorded phone calls. 

The inaccurate reporting of my account as late on my and the co-buyer ( XXXX XXXX ) credit reports ( 8 instances of 180 days late, 1 instance of 150 days late, and 1 instance of 60 days late ) is misleading but also severely impacting my ability to secure credit and adequate living arrangements. I demand that Pentagon Federal Credit Union correct my account to reflect that payments were made as agreed and that no late payments occurred. 

Failure to rectify this erroneous reporting promptly will leave me with no choice but to pursue legal action to protect my rights. This may include seeking restitution for the legal fees incurred, compensation for damages suffered, and punitive damages for the undue stress and hardship caused by the actions of Pentagon Federal Credit Union. 

I hereby request a timely response from Pentagon Federal Credit Union and urge for the immediate correction of the erroneous late payments on my loan account. Your cooperation in this matter expediently is appreciated. 

Thank you for your attention to this urgent 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 explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
I was hired for a job and Sterling Background Checks provide 3 different items that they suggested should be carefully considered. All 3 items were and are over 7 years old. The background check itself reads no results over 7 years should be provided. I was not able to start my new job because of the old information that Sterling provided my employer.

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 2024-09-24 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: PA

Complaint narrative:
The information utilized and sold by the organizations, including the Name, Address, and Credit Report, is private property of the Trust. The organizations have not obtained authorization to use nor have you provided compensation for the use of this private trust property. Consequently, all credit reports associated with the said consumer are inaccurate, as the Trust is the original creditor extending credit to all reporting financial institutions. 
Proof of possession of the certificated security, equitable title, or certificate from the Trust with rights of use of this private property is hereby demanded. 
Due to the unauthorized use and profiting from the private property of the Trust, a constructive trust is hereby established. The said organizations are appointed as a fiduciary with limited power to act on behalf of the Precedent Vested Landed Estate.

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 2024-09-24 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: MA

Complaint narrative:
I have filed multiple disputes and mailed them to XXXX, XXXX, and Transunion. They have not provided methods of validation. They have not fixed the errors in my credit report. They have also not mailed any results or updated credit reports to my address. Please assist me in fixing my credit report. I have attached the letters to this complaint.

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 2024-09-24 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: MA

Complaint narrative:
I have filed multiple disputes and mailed them to XXXX, Experian, and XXXX. They have not provided methods of validation. They have not fixed the errors in my credit report. They have also not mailed any results or updated credit reports to my address. Please assist me in fixing my credit report. I have attached the letters to this complaint.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When attempting to retrieve any information from Equifax I am 1 ) unable to use the company 's website and prompted to call in for support. When I run through the automated prompts I am run around in circles, redirected to the website for self-serve options, and unable to proceed through the prompts. This has happened numerous times over the past year when attempting to place or lift a credit freeze or access my credit report. 

I have no issues self serving access to my information on XXXX or XXXX. 

I have logged numerous complaints with Equifax customer support requesting an answer as to why I can not access their website services after successfully completing the member login. 

My only recourse is to wait it out on the line which routinely takes 30 minutes or longer which jeopardizes my ability to complete my work day. 

I have seen similar complaints about Equifax 's horrible user experience and customer service logged across forums such as XXXX. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: PA

Complaint narrative:
The information utilized and sold by the organizations, including the Name, Address, and Credit Report, is private property of the Trust. The organizations have not obtained authorization to use nor have you provided compensation for the use of this private trust property. Consequently, all credit reports associated with the said consumer are inaccurate, as the Trust is the original creditor extending credit to all reporting financial institutions. 
Proof of possession of the certificated security, equitable title, or certificate from the Trust with rights of use of this private property is hereby demanded. 
Due to the unauthorized use and profiting from the private property of the Trust, a constructive trust is hereby established. The said organizations are appointed as a fiduciary with limited power to act on behalf of the Precedent Vested Landed Estate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: PA

Complaint narrative:
The information utilized and sold by the organizations, including the Name, Address, and Credit Report, is private property of the Trust. The organizations have not obtained authorization to use nor have you provided compensation for the use of this private trust property. Consequently, all credit reports associated with the said consumer are inaccurate, as the Trust is the original creditor extending credit to all reporting financial institutions. 
Proof of possession of the certificated security, equitable title, or certificate from the Trust with rights of use of this private property is hereby demanded. 
Due to the unauthorized use and profiting from the private property of the Trust, a constructive trust is hereby established. The said organizations are appointed as a fiduciary with limited power to act on behalf of the Precedent Vested Landed Estate.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-09-24 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: FL

Complaint narrative:
There are unauthorized inquiries on my credit report that I found this morning, and Im at a complete loss as to why. I checked my report like I always do, but there are errors that wont go away, even after refreshing the browser. Im really upset about this and need this situation resolved immediately by carefully reviewing the documents Ive provided.

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 2024-09-24 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: AR

Complaint narrative:
XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX. to inquire about a truck. I was working with XXXX XXXX. During our conversation, I explained that I only wanted my credit processed with XXXX and NOT with a Bank. XXXX the Finance Manager spoke with me about financing the truck, I explained to him that I only wanted my credit processed 1 time, to send it for approval through XXXX. XXXX said since it's a new truck the policy was only to process it for approval through XXXX. I told him NOT to process it through any other Banks. XXXX agreed to my terms. On XX/XX/XXXX I received an alert from Equifax showing that my credit was processed 2x 's on XX/XX/XXXX and another attempt was made on XX/XX/XXXX with a bank. The second attempt didn't go through because, of having my credit locked. I did NOT authorize my credit to be processed these many times! My credit score took a XXXX decrease because of this. Also, XXXX gave me a sheet showing that my FICO score is XXXX, which is incorrect. I contacted FICO and they have confirmed the XXXX wasn't my score on XX/XX/XXXX. The paper that was given looks like someone typed that information in, it's not a credit score-generated document.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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 reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-09-24 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: FL

Complaint narrative:
I have disputed the following accounts over 6 times. I keep getting a letter back saying they will not investigate. I have sent my documentation with my id, social, and utility bill for proof of address. I demand an investigation. This is a blatant disregard for my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore , under 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting the immediate removal of this inaccurate information. There are multiple inaccuracies associated with this account

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