vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-07-25 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-07-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: NC

Complaint narrative:
Per the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XX/XX/year> 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 an account without my written instructions 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.

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 2024-07-25 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 am interested in processing disputes on my credit report to delete a remove all information listed on my credit report that is invalid an inaccurate. none of the accounts listed follows FCRA rules an need to be deleted asap. I am a victim of identity theft an none of these accounts belong to me. please review an remove the listed items to help my credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: DE

Complaint narrative:
Subject : Dispute Regarding Fraudulent Accounts - Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, DE XXXX XXXX XXXX XXXX, XXXX, and Equifax Dear Sir/Madam, I am writing to dispute the accuracy of several accounts appearing on my credit report, which I believe are fraudulent and violate my rights protected under the Fair Credit Reporting Act ( FCRA ). As a consumer, I value my right to privacy and the accuracy of information reflected in my credit report. Upon reviewing my credit report, I have identified the following fraudulent accounts : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$53.00} XXXX. **XXXX XXXX* - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3800.00} XXXX. XXXX* - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$6500.00} These accounts were opened without my knowledge or consent and are the result of identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies, and I have attached a copy of the complaint for your reference ( FTC Report Number : XXXX ). 

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. However, I have identified potential violations in the reporting of these accounts : 1. [ ] 15 U.S.C. 1681 Section 602 A : Right to privacy.

2. [ ] 15 U.S.C. 1681 Section 604 A Section 2 : Furnishing of accounts without written instructions. 

I request the immediate removal of these disputed accounts from my credit report as they are inaccurate and unfairly represent my credit history. Given the nature of these discrepancies, I believe these accounts to be fraudulent. 

Failure to rectify these discrepancies may result in legal action, as provided by the FCRA. I trust that you will conduct a thorough investigation into these matters and provide a prompt resolution. Kindly provide written confirmation of the actions taken regarding this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** XXXX. FTC XXXXdentity Theft Report ( Report Number : XXXX ) XXXX. Supporting Documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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:
Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information that has been reported on my credit report. Despite my previous attempts to rectify this matter, the information continues to be inaccurately reported. I have requested investigations into this account on two separate occasions, and each time the investigation concluded that the information was accurate. However, I have substantial proof that this is not the case. 

The account in question XXXX XXXX XXXX Account number : XXXX The following inaccuracies have been identified : Incorrect Charge-Off Status : The account is inaccurately listed as a charge-off. This account was included in a bankruptcy filing, and thus should not be reported as a charge-off. 

Incorrect Remaining Balance : The balance listed on the account is incorrect. The accurate balance is {$15000.00} contrary to what is currently being reported. 

Discrepancies Across Different Credit Bureaus : There are multiple inaccuracies reported to different credit bureaus. The information about this account is inconsistent across various reports, which further supports that the information being reported is inaccurate. 

I am including the following documents as proof of the inaccuracies : Documentation of documents sent to me by creditor, showing that this account is open in bankruptcy Statements or communications from the creditor showing the accurate balance. 
Copies of my credit reports from different bureaus highlighting the discrepancies. 
Due to the significant inaccuracies and the fact that this account has been mishandled in reporting, I kindly request that this account be deleted from my credit report. I expect that this dispute will be resolved in compliance with the Fair Credit Reporting Act ( FCRA ). Please confirm receipt of this letter and provide me with an update on the status of my dispute as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute these accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-25 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items that do not belong to me

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 2024-07-25 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-25 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2024-07-25 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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 was reviewing my consumer report and noticed these frivolous items that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: PA

Complaint narrative:
Upon checking my credit report, there are inaccurate accounts reporting on mine. I have no idea why so please check the documents I've sent.

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 2024-07-25 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: AL

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted from my file : XXXXXXXX XXXX XXXX  {$730.00} XXXX remove acct XXXX XXXX XXXX {$18000.00} XXXX remove acct XXXX  XXXX  {$850.00} XXXX remove acct XXXX XXXX {$910.00} XXXX remove acct Dept of ED {$0.00} XXXX update to never late Dept of ED {$0.00} XXXX update to never late Dept of ED {$0.00} XXXX update to never late Dept of ED XXXX XXXX update to never late Dept of ED {$0.00} XXXX update to never late Dept of ED/XXXX {$0.00} XXXX update to never late Dept of ED/XXXX {$0.00} XXXX update to never late Dept of ED/XXXX  {$0.00} XXXX update to never late XXXX  XXXX XXXX XXXX remove Inquiry XXXX XXXX XXXX XXXXXXXXremove Inquiry XXXX XXXX  XXXX remove inquiry XXXX XXXX XXXX remove inquiry XXXX XXXX XXXX XXXX remove inquiry XXXX  XXXX XXXX remove inquiry XXXX  XXXX remove Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have a fraudulent credit inquiry by XXXX on my TransUnion Credit Report. 

I have my TransUnion ( and all XXXX  credit agencies locked. 

XXXX seems to have no way to contact them. There is no phone number other than a help @ XXXX  email on their website. I have sent them an email but have not heard from them. 

TransUnion 's contact center both online and phone number seem to not be functioning. Maybe they are dealing with the recent XXXX issue but this is UNACCEPTABLE!

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 2024-07-25 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: NJ

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Moreover, they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

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