vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: NV

Complaint narrative:
XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX is violating my rights by listing late payments per fcra 15 u.s. code {$6800.00} Obligation with respect to disclosure of personal information. 
third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 u.s.c. 1681a ( 2 ) ( I ) 15 u s. Code $ 1666b timing of payment

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 2024-04-04 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Mailing : TransUnion LLC Fraud Victim Assistance Department Consumer Fraud Division XXXX XXXX XXXX. XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to follow up on our previous communication regarding inaccuracies in my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I have meticulously identified several discrepancies in the information reported by TransUnion, particularly concerning the following accounts : - Acct : XXXX XXXX XXXX XXXX ( XXXX XXXX ) - Acct : XXXX XXXX XXXX XXXX - Acct : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and foremost, I would like to draw your attention to the precedent set by the case of Smith v. Trans Union LLC ( 2002 ), wherein TransUnion was held liable for inaccurately reporting on accounts that should have been deleted, thus constituting a violation of the FCRA. Moreover, the recent case of United States v. TransUnion LLC ( 2020 ) underscores TransUnion 's recurrent violations of the FCRA, resulting in substantial penalties and damages awarded to affected consumers. 

Upon thorough examination of my credit report, I have discerned the following violations : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** : - Mishandling of consumers ' credit reports, including dissemination of inaccurate debt collection information, potentially contravening the FDCPA. 

2. **Consumer Rights Law** : - Allegations of TransUnion 's transgressions against consumer rights laws, particularly the FCRA, have surfaced in various legal proceedings, such as Serrano v. Trans Union LLC .

3. **Attorney General Law** : - The aforementioned case of United States v. TransUnion LLC ( 2020 ) signifies governmental enforcement actions taken against TransUnion for FCRA violations . 

I respectfully request that TransUnion takes immediate action to rectify these inaccuracies in my credit report. Specifically, I demand the deletion and blocking of the erroneous information pertaining to the XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX accounts, including all inquiries associated with these accounts. It is imperative to note that these accounts do not belong to me and were fraudulently placed onto my credit report, a fact that has been substantiated through my FTC Identity Theft complaint. 

Kindly find my contact information below for any further correspondence : XXXX XXXX XXXX XXXX I anticipate a prompt and diligent response to this matter in full compliance with the FCRA. Thank you for your expeditious attention to this pressing issue. 

Sincerely, 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 2024-04-04 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Mailing : TransUnion LLC Fraud Victim Assistance Department Consumer Fraud Division XXXX XXXX XXXX. XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX Dear TransUnion, I am writing to follow up on our previous communication regarding inaccuracies in my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I have meticulously identified several discrepancies in the information reported by TransUnion, particularly concerning the following accounts : - Acct : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) - Acct : XXXX XXXX XXXX XXXX - Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and foremost, I would like to draw your attention to the precedent set by the case of Smith v. Trans Union LLC ( 2002 ), wherein TransUnion was held liable for inaccurately reporting on accounts that should have been deleted, thus constituting a violation of the FCRA. Moreover, the recent case of United States v. TransUnion LLC ( 2020 ) underscores TransUnion 's recurrent violations of the FCRA, resulting in substantial penalties and damages awarded to affected consumers. 

Upon thorough examination of my credit report, I have discerned the following violations : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** : - Mishandling of consumers ' credit reports, including dissemination of inaccurate debt collection information, potentially contravening the FDCPA.

2. **Consumer Rights Law** : - Allegations of TransUnion 's transgressions against consumer rights laws, particularly the FCRA, have surfaced in various legal proceedings, such as Serrano v. Trans Union LLC .

3. **Attorney General Law** : - The aforementioned case of United States v. TransUnion LLC ( 2020 ) signifies governmental enforcement actions taken against TransUnion for FCRA violations .

I respectfully request that TransUnion takes immediate action to rectify these inaccuracies in my credit report. Specifically, I demand the deletion and blocking of the erroneous information pertaining to the XXXX XXXX XXXX ( XXXX XXXX  ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX accounts, including all inquiries associated with these accounts. It is imperative to note that these accounts do not belong to me and were fraudulently placed onto my credit report, a fact that has been substantiated through my FTC Identity Theft complaint. 

Kindly find my contact information below for any further correspondence : XXXX XXXX XXXX XXXX I anticipate a prompt and diligent response to this matter in full compliance with the FCRA. Thank you for your expeditious attention to this pressing issue. 

Sincerely, 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I received a notice on my XXXX credit report on XX/XX/XXXX that there was a new item that was unfamiliar to me. I called Genesis ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ), the debt collector and on XX/XX/XXXX received an email detailing the amount owed, the creditor, and an address for where the transaction took place. I tried to get more information to aid me in filing this report and a police report, but following ( with personal information struck out ) was all that was received. The amount is allegedly for an apartment application in XXXX XXXX, where I have never lived. 

[ MY NAME ] [ Address for apartment application ] Original Balance : {$55.00} Current Principal : {$55.00} Interest Due : {$0.00} Total Due : {$55.00} ORIGINAL CREDITOR : XXXX PLACED FOR COLLECTIONS ON : XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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 did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX, Account # XXXX please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.

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 2024-04-04 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed I have two late payments posted to my account that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( month/year ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late.Thank you! Please do not disregard the screenshot attached

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 2024-04-04 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2024-04-04 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
Back in XX/XX/XXXX, I received a package from XXXX that was completely destroyed and opened. Inside were the incorrect shoes from what I ordered. I immediately contacted Discover with a dispute. XXXX ended up lying and claimed that I stole the shoes and never returned them. So, Discover sided with XXXX and would not give me my refund. Months later in XX/XX/XXXX I received the right shoes from XXXX and contacted XXXX to get a refund. They approved it and I shipped the shoes back. From there I learn that someone at XXXX XXXX stole my package so they can not refund me. I contact Discover again and they still will not let me win the dispute. It was a purchase of {$210.00} shoes. I am desperate for this refund because I do not have the shoes and it is not fair that I can not get a refund for something that was never my fault to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Spoke with XXXX and also Transunion about inaccurate dates and late payments also inaccurate information giving to them. From creditor 's listed on my account. In which they violated my rights as a consumer. Per 15 usc 6801-6802 laws. That information given damaged my approval for a refinance loan on my home.. dates of account are inaccurate also payments history. I've tried to dispute online through both XXXX and Transunion Web site. But nothing has been resolved. This is my last option before I have to seek legal actions against all parties 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 non-monetary relief
Consumer complaint received 2024-04-04 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2024-04-04 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-04 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 kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-04 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:
I am writing to address discrepancies in my credit report that demand your immediate attention. Specifically, I am disputing the following account : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX. 

It is perplexing to me why these companies have reported this information on my credit report. I have consistently upheld timely payments with all parties involved, and there is no basis for such inaccuracies. Upon contacting them, I was directed to dispute the matter with your agency.

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