vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: TN

Complaint narrative:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2024-07-24 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: NC

Complaint narrative:
Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

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 2024-07-24 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: NC

Complaint narrative:
Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

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 2024-07-24 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and Transunion Credit Bureaus for their continued failure to remove unauthorized hard inquiries from my credit report. Despite providing substantial evidence since XX/XX/year>, the credit bureaus have not corrected the inaccuracies, which has adversely affected my financial standing and creditworthiness. 

The XXXX hard inquiries in question were reported without my authorization. I have submitted the following documentation to the credit bureaus multiple times : Proof of Identity : Valid government-issued ID.

Proof of Address : Bank statement ( as requested as an acceptable verification of address Proof from Creditor : Written confirmation from the creditor stating they did NOT pull my credit.

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and correct any inaccurate information on a consumers credit report within 30 days. Despite my repeated submissions and clear evidence, the credit bureaus have failed to remove these unauthorized inquiries, constituting a willful or, at the very least, negligent violation of the FCRA. 

Violations of Texas Consumer Rights According to Texas Business and Commerce Code Chapter 20, Texas consumers have the right to request the removal of inaccurate information from their credit reports. The law mandates that credit reporting agencies must correct or delete any erroneous information within 30 days upon receipt of a dispute. The failure to comply with these requirements not only violates my rights under federal law but also under Texas state law.

Impact of Inaccurate Information The continued presence of these incorrect hard inquiries has caused substantial harm, including : Lowered credit score Reduced ability to obtain credit on fair terms Emotional distress and financial uncertainty I urge the CFPB to address this matter with the seriousness it deserves and to take immediate corrective action against the credit bureaus for their violations. Please consider this letter as my formal complaint and request for intervention. 

I expect a prompt response within 15 days of receipt of this letter. You may contact me at XXXX for any further information or clarification. 

Thank you for your immediate attention to this matter. 

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 2024-07-24 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX, Equifax, and XXXX Credit Bureaus for their continued failure to remove unauthorized hard inquiries from my credit report. Despite providing substantial evidence since XX/XX/year>, the credit bureaus have not corrected the inaccuracies, which has adversely affected my financial standing and creditworthiness. 

The four hard inquiries in question were reported without my authorization. I have submitted the following documentation to the credit bureaus multiple times : Proof of Identity : Valid government-issued ID.

Proof of Address : Bank statement ( as requested as an acceptable verification of address Proof from Creditor : Written confirmation from the creditor stating they did NOT pull my credit.

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and correct any inaccurate information on a consumers credit report within 30 days. Despite my repeated submissions and clear evidence, the credit bureaus have failed to remove these unauthorized inquiries, constituting a willful or, at the very least, negligent violation of the FCRA.

Violations of Texas Consumer Rights According to Texas Business and Commerce Code Chapter 20, Texas consumers have the right to request the removal of inaccurate information from their credit reports. The law mandates that credit reporting agencies must correct or delete any erroneous information within 30 days upon receipt of a dispute. The failure to comply with these requirements not only violates my rights under federal law but also under Texas state law. 

Impact of Inaccurate Information The continued presence of these incorrect hard inquiries has caused substantial harm, including : Lowered credit score Reduced ability to obtain credit on fair terms Emotional distress and financial uncertainty I urge the CFPB to address this matter with the seriousness it deserves and to take immediate corrective action against the credit bureaus for their violations. Please consider this letter as my formal complaint and request for intervention. 

I expect a prompt response within 15 days of receipt of this letter. You may contact me at XXXX for any further information or clarification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed that on my 2nd attempt to filed a dispute the account is still in my credit report

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 2024-07-24 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: MD

Complaint narrative:
The XXXX reporting agencies, XXXX, XXXX, Transunion - because they have ignored my several attempts to clear my credit, reselling old accounts so that they can keep putting it on my credit report They have violated -As of XX/XX/year>, an amendment to Regulation F ( which implements the FDCPA ) tightened the leash on debt XXXX. 
They are also in violation of this as well - a debt collector reports a debt to the major credit bureaus ( XXXX, XXXX, and TransUnion ), they must : Speak to you in person or over the phone, OR Mail you a letter ( or send an electronic message, like an email ) about the debt.

Then, they need to wait a reasonable period of time ( at least 14 consecutive days ) to see if the notice comes back undeliverable. 
They have never done this, Never. 
If they get a notice of undeliverability, they cant report the debt unless theyve achieved communication as described above. ( violation ) CRAslike XXXX, XXXX, and XXXXshouldnt be selling bad credit reports like hotcakes. In fact, theyre bound by the Fair Credit Reporting Act ( FCRA ). ( Violation ) The FCRA ensures that CRAs report accurate and fair information about you. If theyre re-entering bad info without proper validation, theyre definitely breaking the rules. ( 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The XXXX reporting agencies, XXXX, Equifax, XXXX - because they have ignored my several attempts to clear my credit, reselling old accounts so that they can keep putting it on my credit report They have violated -As of XX/XX/year>, an amendment to Regulation F ( which implements the FDCPA ) tightened the leash on debt XXXX. 
They are also in violation of this as well - a debt collector reports a debt to the major credit bureaus ( Equifax, XXXX, and XXXX ), they must : Speak to you in person or over the phone, OR Mail you a letter ( or send an electronic message, like an email ) about the debt.

Then, they need to wait a reasonable period of time ( at least 14 consecutive days ) to see if the notice comes back undeliverable. 
They have never done this, Never. 
If they get a notice of undeliverability, they cant report the debt unless theyve achieved communication as described above. ( violation ) CRAslike Equifax, XXXX, and XXXXshouldnt be selling bad credit reports like hotcakes. In fact, theyre bound by the Fair Credit Reporting Act ( FCRA ). ( Violation ) The FCRA ensures that CRAs report accurate and fair information about you. If theyre re-entering bad info without proper validation, theyre definitely breaking the rules. ( Violation )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: DE

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 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. 

XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my follolw up request for the immediate removal of fraudulent items from my credit report. Despite my previous XXXX attempts to resolve this issue, these items continue to appear on my credit report, causing significant distress and damage to my creditworthiness. This persistent issue has negatively impacted my XXXX XXXX and financial stability. I kindly request that you could help me conduct a thorough investigation into my claim and permanently remove the fraudulent items from my credit report. I expect prompt action and resolution within the XXXX period mandated by the Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my follolw up request for the immediate removal of fraudulent items from my credit report. Despite my previous XXXX attempts to resolve this issue, these items continue to appear on my credit report, causing significant distress and damage to my creditworthiness. This persistent issue has negatively impacted my credit score and financial stability. I kindly request that you could help me conduct a thorough investigation into my claim and permanently remove the fraudulent items from my credit report. I expect prompt action and resolution within the XXXX period mandated by the Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: WY

Complaint narrative:
I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX Balance : {$29000.00}.

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 2024-07-24 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: WY

Complaint narrative:
I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX Balance : {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-07-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2024-07-24 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: TX

Complaint narrative:
THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, EQUIFAX, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF THE FUSE AT PARK ROW APARTMENTS # XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: NC

Complaint narrative:
I am a natural person and I have rights. under 15 usc 1681 .I have the right to a fair and accurate Credit report. I have been affected by Equifax admitted data breach which you CFPB penalized them for. I was highly affected and demand remedy in the form of not only limited to but starting with deletion of these inaccurate accounts of off my credit report. Equifax is ruled under 15 usc 1681. they violated my rights numerous of times. 15 usc 1681 states I have the right to privacy. I have never given Equifax written permission to furnish these accounts under my credit report, its a violation. it's hurting my life and family. 

accounts delete XXXX delete XXXX delete XXXX

Company response to consumer: Closed with non-monetary relief