vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Reporting Violations and Dispute of Debt Validity Dear Sir/Madam, I am reaching out to the CFPB to formally dispute the validity of a debt claimed to be owed by me in relation to XXXX XXXX ( Original Creditor ) with account number XXXX. I believe that my rights under several federal statutes have been violated, and I seek the CFPB 's intervention in this matter. 

Violations and Concerns : Unauthorized Inquiries : I have identified unauthorized inquiries on my credit profile. As per 15 U.S.C. 1681n, I am entitled to {$1000.00} for each unauthorized inquiry. 

Violation of the Fair Credit Reporting Act ( FCRA ) : My rights under 15 U.S.C. 1681a ( 2 ) ( K ) of the FCRA appear to have been infringed upon. 

Violation of the Equal Credit Opportunity Act ( ECOA ) : I believe there has been a violation of 15 U.S.C. 1691d ( 2 ) ( A ) of the ECOA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : There seems to be a breach of 15 U.S.C. 1692 and 15 U.S.C. 1692k ( 2 ) ( a ) of the FDCPA. Specifically, I was not provided with the requisite written notification 5 days prior to any action, as mandated by 15 U.S.C. 1692G. As the original creditor, I am the sole authority to validate this debt. I do not recognize or validate this debt, and as such, I demand its removal from my report. 

Request for CFPB 's Intervention : I request verification of the debt, including copies of any documents that prove I agreed to pay the claimed amount. 
I seek a detailed account history, including any charges, fees, payments, or adjustments associated with this account. 
I urge a review of the actions taken in relation to my account to ensure compliance with the aforementioned statutes. If violations are confirmed, I may seek additional damages as stipulated under the FDCPA. 
If the debt can not be verified or if it is confirmed that the actions taken are not in compliance with the aforementioned statutes, I expect this account to be removed from my credit report promptly. If not, I will not hesitate to take further action to protect my rights, including seeking legal remedies. 

I trust that the CFPB will treat this matter with the urgency and seriousness it warrants and ensure that my rights as a consumer are protected. 

Thank you for your attention to this matter. 

Sincerely

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Good Afternoon I called XXXX to dispute a few items that are incorrect are my credit report and just received my updated one and the items are still on there. If you could please resolve this I would greatly appreciate it as I am trying to secure an apartment and I need to have a clean credit report. It is very important that the items are updated properly on my credit report. 

The first problem is my current employer does not show on my credit report. My current employer is XXXX. I started working there from XX/XX/2021 to the present. My current title is XXXX at XXXX. Please update accordingly. Also, please note that the previous employers that are on my report are correct. The only issue is that the current one is not updated. Would you please be sure that all three credit reports reflect this. 

The second item in question is XXXX XXXX XXXX in the amount of {$1000.00}. This HAS BEEN PAID IN FULL. Would you please update all three reports to be sure this is reflected that it has been paid in full. 

The third item in question is XXXX XXXX XXXX CARE OF XXXX XXXX XXXX in the amount of {$330.00}. Please be aware that this has BEEN PAID IN FULL. Would you please be sure all three credit reports reflect this? XXXX, Transunion and XXXX. Thank you! 

The fourth item in question is XXXX XXXX XXXX in the amount of {$480.00}. Please be advised that THIS HAS BEEN PAID IN FULL. Would you please be sure to update all three credit reports to reflect this? Transunion, XXXX and 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Good Afternoon I called XXXX to dispute a few items that are incorrect are my credit report and just received my updated one and the items are still on there. If you could please resolve this I would greatly appreciate it as I am trying to secure an apartment and I need to have a clean credit report. It is very important that the items are updated properly on my credit report. 

The first problem is my current employer does not show on my credit report. My current employer is XXXX. I started working there from XX/XX/2021 to the present. My current title is XXXX at XXXX. Please update accordingly. Also, please note that the previous employers that are on my report are correct. The only issue is that the current one is not updated. Would you please be sure that all three credit reports reflect this. 

The second item in question is XXXX XXXX XXXX in the amount of {$1000.00}. This HAS BEEN PAID IN FULL. Would you please update all three reports to be sure this is reflected that it has been paid in full. 

The third item in question is XXXX XXXX XXXX CARE OF XXXX XXXX XXXX in the amount of {$330.00}. Please be aware that this has BEEN PAID IN FULL. Would you please be sure all three credit reports reflect this? XXXX, XXXX and Experian. Thank you! 

The fourth item in question is XXXX XXXX XXXX in the amount of {$480.00}. Please be advised that THIS HAS BEEN PAID IN FULL. Would you please be sure to update all three credit reports to reflect this? XXXX, XXXX and Experian.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ; XXXX 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XXXX XXXX I sent Experian a certified letter that I paid for to correct the personal information listed on my report. I provided proof of identity instead they sent me an email questioning the validity of who made the 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I summited disputes for XXXX and received dispute results XX/XX/XXXX, and I summited for Experian and received results back on XX/XX/XXXX, XXXX I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My XXXXredit score stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I summited disputes for XXXX and received dispute results XX/XX/XXXX, and I summited for XXXX and received results back on XX/XX/XXXX, Transunion I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My XXXX XXXX stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have submitted a police report and federal trade commission complaint requesting them to block XXXX  XXXX accounts and XXXX XXXX  I have supplied these creditors also with a copy of police report and they come back every time saying its verified while XXXX  XXXX says they have been requesting it to delete each time. I requested a letter which is attached stating they agree the accounts were fraudulent as a result of identity theft but these XXXX  XXXX and XXXX XXXX  are still reporting on 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 non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my name was recorded as XXXX XXXX  XXXX which is incorrect and requested by mail multiple times but as of today still it shows on my record so it must be deleted from record this inaccurate details. 

also another inaccurate record shows of missed four of my late payments dues {$1800.00} from XXXX to XX/XX/2023 of company, XXXX XXXX XXXX, which is inaccurate information and must be removed and updated. I have sent letter in mail few times which need to be updated immediately since this was already paid and car is not in our possession as of today. 



Thank you for your time 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I paid my Comenity Children 's Place card to a XXXX balance, paying off the full balance XX/XX/2022. I also closed out my card due to being unhappy with business practices. In XX/XX/2022 I received a balance for {$4.00}. I explained my card had been inactive and there was no charges made on the card prior to closing it as it had been paid off. I was told it was resolved. After being notified of a late payment reporting to my credit report, I continued trying to resolve but refuses to pay since I did not owe anything. Fees would continue to pile up and continue to affect my credit so in XX/XX/2022 I agreed to pay a reduced amount with Comenity taking off a portion of the late fees just finally resolve the matter. I agreed to pay if they cleared balance and accurately updated credit report. I was told I would receive a letter that I could also send to credit bureau to with update. Not only did Comenity not update my credit report but in XXXX they once again started saying I owe them and attaching late fees. As this is predatory and a way to continue to get money, I refused to pay. Comenity had continued to not only damage my credit with the Children 's Place card but sent me to collections for a debt I don't owe. They also did this same thing with my XXXX account which also reported inaccurate late fees and refused to send me documentation that they erased the fees because I didn't owe so I can send it to the credit bureaus and they refused to send anything to the credit bureaus to delete inaccurate late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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:
I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account ( account name XXXX XXXX XXXX XXXX ( account number XXXX ) please investigate and provide proof with statements showing that these payments were late .if proof cant be provided I demand these late payment be updated to on time as they should be as I was never late, Thanks

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account ( account name -XXXX XXXX XXXX XXXX ( account number XXXX ) please investigate and provide proof with statements showing that these payments were late .if proof cant be provided I demand these late payment be updated to on time as they should be as I was never late, Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: KS

Complaint narrative:
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

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