vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX BALANCED {$130.00} XXXXXXXX XXXX XXXX  BALANCED {$1000.00} XXXX XXXX XXXX BALANCED {$480.00} XXXX XXXX BALANCED {$740.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}

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 2024-09-23 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 am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 2024-09-23 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:
I have not supplied proof under the XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character. ) 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 2024-09-23 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: CA

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Investigation of Consumer Rights Violations Dear CFPB, I am writing to formally request your assistance regarding a serious violation of my consumer rights related to inaccurate information on my credit reports maintained by XXXX, XXXX, and TransUnion. I have contacted the credit bureaus multiple time and nothing was never done expect saying that my file was accurate and that is false. There was also an occasion where my birth year was incorrect. 

I have previously submitted letters to the credit bureaus disputing various items that I believe are inconsistent, erroneous, and some of which have been on my credit reports for over seven years. Despite my efforts, including sending multiple letters outlining my concerns, I have not received any satisfactory resolution, nor have I been contacted by the credit bureaus to fully investigate these matters.

The specific issues I am encountering include : 1. **Inaccurate Amounts** : The reported amounts for several accounts do not align with my records.

2. **Outdated Information** : Some items on my credit report are over seven years old and should have been removed per the Fair Credit Reporting Act.

3. **Lack of Investigation** : I was never contacted by the credit bureaus for further information, which I believe indicates a failure to conduct a thorough investigation as required by law.

Given these ongoing issues, I am requesting that the CFPB take action to ensure that XXXX, XXXX, and TransUnion investigate my claims fully and delete any information that is inaccurate, outdated, or a violation of my rights under consumer protection laws. 

Thank you for your attention to this matter. I appreciate your support in ensuring that my consumer rights 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 explanation
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Investigation of Consumer Rights Violations Dear CFPB, I am writing to formally request your assistance regarding a serious violation of my consumer rights related to inaccurate information on my credit reports maintained by XXXX, Equifax, and XXXX. I have contacted the credit bureaus multiple time and nothing was never done expect saying that my file was accurate and that is false. There was also an occasion where my birth year was incorrect. 

I have previously submitted letters to the credit bureaus disputing various items that I believe are inconsistent, erroneous, and some of which have been on my credit reports for over seven years. Despite my efforts, including sending multiple letters outlining my concerns, I have not received any satisfactory resolution, nor have I been contacted by the credit bureaus to fully investigate these matters.

The specific issues I am encountering include : 1. **Inaccurate Amounts** : The reported amounts for several accounts do not align with my records.

2. **Outdated Information** : Some items on my credit report are over seven years old and should have been removed per the Fair Credit Reporting Act.

3. **Lack of Investigation** : I was never contacted by the credit bureaus for further information, which I believe indicates a failure to conduct a thorough investigation as required by law.

Given these ongoing issues, I am requesting that the CFPB take action to ensure that XXXX, Equifax, and XXXX investigate my claims fully and delete any information that is inaccurate, outdated, or a violation of my rights under consumer protection laws. 

Thank you for your attention to this matter. I appreciate your support in ensuring that my consumer rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: OH

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed 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 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 2024-09-23 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: VA

Complaint narrative:
I received an alert from credit wise that my credit score went down approximately 60 points. This did not make much sense to me, as I have not had any significant financial changes. When I inquired further, XXXX had reported this month that I had double the student loan accounts than I do to Transunion ( I have 7 XXXX student loans, they are reporting I have XXXX and double the student debt. ) XXXX reported to XXXX that all 7 of my student loan accounts were closed and then subsequently re-opened, which is also incorrect. I received this notification on XX/XX/year>. I reached out to XXXX, but no one answered. I filed a complaint on the federal student aid website and sent disputes to the respective credit bureaus. There does not seem to be a change to my XXXX reporting.

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 2024-09-23 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: VA

Complaint narrative:
I received an alert from credit wise that my credit score went down approximately 60 points. This did not make much sense to me, as I have not had any significant financial changes. When I inquired further, XXXX had reported this month that I had double the student loan accounts than I do to XXXX ( I have 7 XXXX student loans, they are reporting I have 14 and double the student debt. ) XXXX reported to Equifax that all 7 of my student loan accounts were closed and then subsequently re-opened, which is also incorrect. I received this notification on XX/XX/year>. I reached out to XXXX, but no one answered. I filed a complaint on the federal student aid website and sent disputes to the respective credit bureaus. There does not seem to be a change to my XXXX reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
XX/XX/XXXX someone took my money i was a victim of scammed I report this on remitly and XXXX  but they just ignored me it was depressing to me that money i lost is supposed to be for a house but no one giving me support they just easily refused to request without asking me anything i am victim here but they are not taking me seriously i was begging for them to help me get me refund my money but they still refused

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: GA

Complaint narrative:
Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Team, I am writing to request your assistance regarding inaccuracies on my credit report that pertain to a Chapter XXXX bankruptcy., and I am not Sr., as erroneously reported. This misinformation must be corrected, as it is affecting my creditworthiness. 

I have identified several entries that are inaccurate and should have been deleted, including accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX and Inquiries that I have no credit for.These creditors previously promised to remove these inaccuatcies, yet they still appear on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and ensure that my credit report reflects fair and accurate information. The FTC supports these consumer protections, emphasizing the need for precise reporting. Given that my name is incorrectly reported with Sr. attached is my Drivers Licence and Social security card, these accounts should have been deleted, I kindly request that you investigate this matter and facilitate the removal of all inaccurate information from my credit reports across all three bureaus. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely,

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 2024-09-23 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: WA

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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice of Each Violation.

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 2024-09-23 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: TN

Complaint narrative:
Hello and Good Day I reached out to XXXX credit bureau through certified mail to dispute this matter which I am unaware of. I XXXX XXXX XXXX XXXX never gave these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXX I did not give permission in any shape, way or form to run my information nor do I know how they got my information. When I realized these hard inquiries were on my credit report I took action right away, since I didn't recognize it. What I did was sent out an unauthorized inquiries document that I typed up. Sent it certified ( A copy of the letter and the copy of the certified ticket is attached ). This is what I wrote I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports XXXX XXXX Code XXXX In general. Subject to subsection ( XXXX ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under XXXX XXXX Code XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) 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 The following inquiries are unauthorized

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 2024-09-23 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: NE

Complaint narrative:
Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Failure to Act by Experian I previously submitted a formal complaint on XX/XX/2024, regarding a debt claim made by XXXX XXXX XXXX concerning an account with XXXX XXXX in the amount of {$270.00}. Despite my requests, XXXX XXXX XXXX has failed to provide sufficient documentation to substantiate the alleged debt. Additionally, Experian has failed to take appropriate action to address and remove this inaccurate information from my credit report within the required legal timeframe. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block fraudulent or disputed information no later than 4 business days after notification. Your failure to comply with this requirement and provide sufficient evidence constitutes willful noncompliance under 15 U.S. Code 1681n.

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to credit denials and unfavorable financial terms. 
Emotional distress : Caused by the ongoing presence of inaccurate information. 
Financial harm : Resulting from credit denials or unfavorable terms for loans and credit lines. 

I am requesting : 1. Immediate removal of the inaccurate information from my credit report.

2. If this information is not removed, I will pursue legal action to recover damages, including statutory and punitive damages, as well as attorneys fees.

Furthermore, I invoke Estoppel by Silence, as the failure to respond within the legally required timeframe strengthens my presumption that no valid debt exists. If this matter is not resolved promptly, I will take legal action under 15 U.S. Code 1681n. 

I expect your immediate 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 explanation
Consumer complaint received 2024-09-23 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: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX.

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