vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ), I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof.

Below is a summary of the data in which I am challenging : Summary of Public Records being challenged in list form BankruptcyXXXX ( XXXX ) - ( XXXX ) Dismissed BankruptcyXXXX ( XXXX ) - ( XXXX ) Discharged Bankruptcy TransUnion TransUnion Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Dismissed Type : BankruptcyXXXX Bankruptcy TransUnion TransUnion Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Discharged Type : BankruptcyXXXX XXXX Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Dismissed Type : BankruptcyXXXX Bankruptcy XXXX Asset Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Discharged Type : BankruptcyXXXX XXXX Amount : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # : XXXX Status : Dismissed Type : BankruptcyXXXX Bankruptcy XXXX Asset Amount  : Closing Date : Court : U.S. Bankruptcy Court Date Filed/Reported : XXXX Exempt Amount : Liability : Reference # XXXX XXXX Status : Discharged Type : BankruptcyXXXX

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 2024-03-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
This company failed to notify me of this debt before placing it on my credit report violating 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This company has also put unverifiable information on my credit report which is deflamation of character. Theyre using deception means posing as lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion and XXXX violated the United States code Law ( TILA 15 U.S. Code 1666 ( 0 ) charge error ).

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that Was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

I have disputed these errors repeatedly only to receive a verified or remains reply from TransUnion and XXXX. I have supplied proof and that proof has been attached to this complaint. The documentation reveals XXXX accounts with frivolous and inaccurate reportings. The information is not accurate and must be deleted immediately. TransUnion is deliberately violating the law and refusing to comply with the consumer reporting laws by not doing a proper investigation and continuing to report these inaccurate accounts.

The errors on all accounts show that the current balance is higher than the highest balance. The current balance cant be higher than the highest balance the account has ever had. Therefore the accounts are reporting inaccurately. The accounts also show 100 % on time payment history but also is reporting XXXX days late. An account cant be 100 % on time payments while having any late payments. These inaccurate accounts must be removed as the inaccurate reporting of these accounts on my credit reports are causing me to be denied funding for a home purchase.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-14 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: MO

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-14 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: SC

Complaint narrative:
This is a charged off account reporting with a balance the IRS Clearly defines a charge off as Gross or Ordinary income, and Income doesn't get Reported on the Consumer Reports which in facts makes your reporting of this account 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 2024-03-14 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: SC

Complaint narrative:
This is a charged off account reporting with a balance the IRS Clearly defines a charge off as Gross or Ordinary income, and Income doesn't get Reported on the Consumer Reports which in facts makes your reporting of this account inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly suspect them to be fraudulent. I urge you to conduct a comprehensive investigation and promptly remove them from my credit report. I have submitted 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 explanation
Consumer complaint received 2024-03-14 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: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX Balance : {$6600.00}

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 explanation
Consumer complaint received 2024-03-14 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: OH

Complaint narrative:
I sent a complaint requesting that you reinvestigate the disputed Account from my credit report as well as Remove or update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX Balance : {$10000.00} and XXXX XXXX Balance : {$83.00} or XXXX XXXX Balance : {$83.00}.

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 2024-03-14 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: OH

Complaint narrative:
I sent a complaint requesting that you reinvestigate the disputed Account from my credit report as well as Remove or update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX Balance : {$10000.00} and XXXX XXXX Balance : {$83.00} or XXXX XXXX Balance : {$83.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: OH

Complaint narrative:
The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX Balance : {$0.00} or XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$150.00} or XXXX XXXX Balance : {$150.00}, and XXXX XXXX XX/XX/2023.

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 2024-03-14 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX  Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number 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 2024-03-14 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX XXXX Account Number XXXXV Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number 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 2024-03-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

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 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this erroneous account from my credit report. I did not authorize its creation or usage. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
The account is still being reported on my consumer report even after being deleted previously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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:
Unknown accounts. Fraudulent accounts Unknown medical collections/ Charge Offs Florida Department of Revenue Child Support 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 explanation
Consumer complaint received 2024-03-14 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: ID Analytics, Inc.
State: FL

Complaint narrative:
Unknown accounts. Fraudulent accounts Unknown medical collections/ Charge Offs Florida Department of Revenue Child Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am officially requesting the removal of this erroneous account from my credit report. I did not authorize its creation or utilization. Enclosed are the necessary documents to support my claim.

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 2024-03-14 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:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX  XXXX Account Number : 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 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone withdraw money out of my checking account since XXXX of 2023. They went to a non TD Bank atm and withdrew XXXX or XXXX dollars from atm about every two weeks of less. They had my pin information and my card information. I never lost my card and I one knows my pins number to my card. The bank said someone to money out of a non TD bank atm but they told me its in the XXXX, New York. They had not address to give me. I do not use non TD atm Machines. I really call about the only withdrawal I saw in XXXX but the service lady told me money has been taken out since last XXXX. This wasnt me and they said there is nothing they can do. This is not right to me. My bank is suppose to protect me. They did nothing to help me. Can someone please help me. I have been scammed how does someone talk money out of my account and I have my card with me at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. I did not authorize its creation or usage. Enclosed are the necessary documents to support my claim.

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