vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me inaccurate and potentially fraudulent information that is being reported on my credit report by TransUnion . I reviewed my credit report on XX/XX/year>, and noticed several discrepancies regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are showing inaccurate and incomplete information, including the reporting of late payments for accounts that were closed. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported on an individuals credit file. Unfortunately, the accounts listed above do not comply with this requirement. 

I have already reached out to TransUnion to dispute these accounts directly and requested an investigation into the inaccurate reporting. However, I have not yet received a satisfactory resolution, and the inaccurate information remains on my credit report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in investigating this matter and taking the necessary actions to ensure that the inaccurate and potentially fraudulent information is removed from my credit report. The accounts in question are causing undue harm to my credit score and violating my rights under the FCRA. 

The actions I request include : 1. An investigation into the reporting of the accounts listed above by TransUnion. 
2. Removal of all inaccurate information associated with these accounts from my credit report, including any late payment reports for accounts that have been closed. 
3. Ensuring that the information is corrected to reflect accurate and complete data as required by the FCRA. 

Please find attached a copy of my credit report with the disputed accounts highlighted, as well as any relevant correspondence regarding my previous dispute with TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-12-14 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
After I disputed and provided proof that the XXXX XXXX XXXX XXXX account should be removed from my credit report because it violate the Fair Credit Reporting Act, Experian is refusing to remove the account from my credit report and allowing the account to remain on my credit report. 
On XX/XX/year>, Experian completed the dispute and allowed the account to remain on my credit report. 

XXXX XXXX XXXX charged off the account in the original amount of {$14000.00} but has on my credit report that I owe {$15000.00}. By law, this violates the Fair Credit Reporting Act because the creditor generally can not continue to increase the debt on a charged-off account by adding interest or late fees, as once an account is charged off, the creditor typically stops accruing interest on the balance unless the debt was sold to a debt collection 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
Consumer complaint received 2024-12-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i am disputing with XXXX and experian about reporting inaccurate and incomplete information on my credit report without my consent. 15 usc 6802 states that i have to be notified and give consent for information to be reported from affiliated companies, and i want to see documents proving that the other companies are affiliate with XXXX  XXXX, and experian. Furthermore, i never gave written consent, per the privacy act of 1974 for it to be shared which is against the law and i am requesting the accounts be deleted at once from my credit report or i will file a report with the Sec, State 's Attorney general, and Ftc for identity theft

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
While reviewing my credit report, I came across multiple accounts that I suspect are fraudulent. Kindly remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some account that i am not familiar with. I have asked the credit reporting agencies for validation of dept, however the information has not been provided. Due to my information being exposed, i have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of dept letter.

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 2024-12-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and I noticed certain information was false and there were accounts reported that I did not authorized.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX XXXXXXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2024-12-14 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: MI

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX XXXXXXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian reported a voluntary repossession on my report for XXXX years. It was with a lender that had a lawsuit placed against them with the CFPB and I sent Experian proof, but they still REFUSED to remove it. Fast forward to a couple of months ago when I got a letter from the lender stating that the loan was considered closed, and no further money was owed. As part of the agreement XXXX XXXX sent Experian a letter confirming that the loan was closed with no money owed. Experian REFUSES to reinsert it and report it CORRECTLY after ruining my credit for XXXX years with inaccurate reporting.

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 2024-12-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After

reviewing my credit reports, I noticed some account that i am not familiar with. I have asked the credit reporting agencies for validation of dept, however the information has not been provided. Due to my information being exposed, i have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint,
a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of dept letter.

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 2024-12-14 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: FL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some account that i am not familiar with. I have asked the credit reporting agencies for validation of dept, however the information has not been provided. Due to my information being exposed, i have submitted an FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a validation of dept letter.

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 2024-12-14 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: MN

Complaint narrative:
There are several accounts on my credit report that I did not authorize. I am requesting their removal as I believe they are fraudulent.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio recovery, a known front for scams internationally is continuously claiming a debt that I do not owe. Through many requests they have failed to prove the debt is mine, and refuse to remove the false charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: CA

Complaint narrative:
Transunion Credit reporting Agency Violated Congress codes and According to Federal Law, Transunion is required to comply with the codes listed : California Civil Code 1785.26 ( b ) A creditor may submit negative credit information concerning a consumer to a consumer credit reporting agency, only if the creditor notifies the consumer affected. 
15 U.S.C 1681 602 AStates I have the right to privacy.

15 U.S.C 1681 604 A Section 2-Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any 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. I requested for the companies to be removed from my Transunion Credit Report due to violations listed above. As a National reporting agency, Transunion is governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers. Businesses paid Transunion and Transunion accepted payment to report information. In addition with the rest of the codes listed above. Accordingly, I request the Companies below must be deleted, and completely removed from my credit file within 7 business days as Transunionis non compliant of the 30 days response. In addition, a copy of such deletion request shall be sent/mailed to me immediately. I will continue to monitor if any action and or credit reporting repository is taken which could be considered detrimental and inaccurate to my credit report. Accordingly, I also request send notices of corrections to who received my credit report in the past 120 days ( 4 months ).

**Per California Civil Code 1785.26 ( b ) : Not one creditor below notified me of reporting negative information to my credit report. Immediately delete accounts. 

Companies to be deleted : XXXX : Opened XX/XX/XXXX XXXX : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXXXXXX XXXX : Opened XX/XX/XXXX XXXX  : Opened XX/XX/XXXXXXXX XXXX  : Opened XX/XX/XXXX XXXX : Opened XX/XX/XXXXXXXX XXXX : Opened XX/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 non-monetary relief
Consumer complaint received 2024-12-14 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation