vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: MS

Complaint narrative:
I watch my credit reports and scores daily and I understand what makes them change and I have XXXX XXXX XXXX for over 37 years now. I have seen my mortgage balance go down as I pay it and verified this and that all payments are a month ahead and they are being applied correctly. However, because of Transunion requiring the mortgage companies to report a loan balance pay off, it will always look as though the balance is not decreasing. I addressed this with XXXX XXXX  and they agreed. Earlier this year, they sent a letter to let Transunion know that this was not the actual correct report that they require. Now, I have followed every step to reach out to speak to someone on this matter and I have researched this. This is happening across the board with Transunion and I have read so many complaints. This is an unfair practice and it is unjust to consumers that are doing the right thing and should never see their credit score take a hit for any points because of this. Anyone that has been in this field for any amount of real hours would know this request should be invalid and incorrect. I have spent numerous hours being passed around on the phone at Transunion and even sent to a fake department called Credit score handling or special department. I would not be so upset but this is a very unfair way to determine credit standing and no one will take the blame for it. When your mortgage companies are telling you that it is not the correct report that Transunion will require and your overall balance is decreasing and not going up.but your credit is being dropped for a balance increase.. something is wrong. I want to know, who is protecting the consumer? Who is requiring such thing that they know beyond a doubt is inaccurate. Someone has to stand up for the consumer and this seems to be a common practice of a business that is in place to deem whether their credit is viable and suitable, whilst protecting the consumer. Who is watching over Transunion and allowing this to happen.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted. 

Attached are the following supporting documents : My government-issued ID & The signed Power of Attorney document Would you Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly because this is hindering my ability to take care of my family. 

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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-09-13 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: AL

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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 a 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 non-monetary relief
Consumer complaint received 2024-09-13 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: AL

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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 a 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 2024-09-13 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: MD

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 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MD

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear USAA FEDERAL SAVINGS B, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection.

It has come to my attention that USAA FEDERAL SAVINGS B has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for USAA FEDERAL SAVINGS B to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that USAA FEDERAL SAVINGS B immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that USAA FEDERAL SAVINGS B will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.

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 2024-09-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-13 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: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint with the CFPB requesting an investigation on account : XXXX XXXX XXXX  XXXX Account is not in a Charge Off, Maximum Deliquencies is incorrect, Past Due Balance is Incorrect. 

According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following USC Codes have been violated by the credit furnisher : 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), 15 USC 1681s ( 2 ) Credit furnisher, has not properly furnished my request but has only furnished their generic letter of reinvestigation results. Due to these violations, I am requesting a deletion of the said above account immediately.

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 2024-09-13 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-13 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this dispute on my own behalf, with no third party involved. I am writing to notify you of several fraudulent and unauthorized hard inquiries that have been incorrectly listed on my credit report. I have never conducted any transactions or had any engagements with the companies listed, and I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. It's important to emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies present in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you furnish substantiating proof for the adverse status attributed to my accounts. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by the apparent lack of due diligence on your part and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, XXXX Employer - XXXX XXXX XXXX Employer - XXXX EMP Incorrect DOB : - XXXX Incorrect Current Address : - XXXX XXXX XXXX, XXXX XXXX, MI 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 2024-09-13 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: NC

Complaint narrative:
Hello my name is XXXX XXXX XXXX. I noticed there are a few problems on my personal credit report on XX/XX/XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. '' Please correct the spelling on my name to : XXXX XXXX XXXX I should only have 1 address : XXXX XXXX  XXXX XXXX XXXX Nc XXXX Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account number : Account balance : XXXX Account name : XXXX XXXX  XXXX When the account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX When the account was opened : Account balance : {$420.00} Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : XXXX Account name : XXXX XXXX XXXX when the account was opened : XXXX XXXX Account balance : {$300.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief