vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 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: NY

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.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am trying to freeze my credit report at Equifax, due to the recent breach of US social security numbers. I have already received notifications from my internet security firm that my SS # has been found on a number of dark web sites. 

My efforts to freeze my Equifax account started on XX/XX/year>. I have tried to create a user account on their website and through a phone app, so that I could freeze my account. What I encountered has been the experience of others on internet forums who can not extablish accounts on Equiax either. 

On the website, they took my information and when I clicked on create account, I am told that their servers are not availale. I have tried many times over the last few days. 

Today I tried by downloading the Equifax app Lock & Alert. Again I entered my info several times and can not get my account verified. Therefore, I can not freeze my credit report. 

I should note that I was able to freeze my reports on XXXX and XXXX without the drama I experienced with Equifax. 

I tried calling customer support and was put on hold endlessly without anyone answering. This is unacceptable behavior from a major credit reporting firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account # 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 2024-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I moved apartments in my building last XX/XX/XXXX and contacted USPS for an address change. I couldn't find XXXX XXXX address. They have never contacted me or let me know where to send the equipment and I couldn't find their address. On XX/XX/XXXX I received a collection letter from Bonneville Collections, XXXX XXXX XXXX, XXXX, UT XXXX, dated XX/XX/XXXX mailed to my old address. They wanting {$350.00}. I am a XXXX XXXXXXXX person on XXXX and XXXX with very low income so I can't afford to pay the amount. I wrote to The Bonneville Collections agency today, XX/XX/XXXX to ask for the address of XXXX XXXX. I will be glad to send their equipment back to them. but I don't feel I should pay that large fee. XXXX XXXX never contacted me ever to let me know that I owed money or where to send the equipment and I couldn't find their address. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: IN

Complaint narrative:
XXXX XXXX : ( XXXX XXXX ), Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the opportunity to make this matter right by way of the following REMOVE LATE PAYMENTS : XXXX XXXX XXXX Account number XXXX, REMOVE INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GREENSKY INSTALLMENT, XXXX XXXX, XXXX XXXX XXXX PERSONAL INFORMATION

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form XXXX was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA.

Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA.

Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX company has violated the FDCA rules as its outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ), which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 15 usc 1666b time to make payments. which i XXXX XXXX is not a dead man i am a living being secured party creditor. Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX closed my account without notice or permission never sent the periodic statement along with the disclosures from section 1537 ( b ) i have proof that i sent by mail before payment due date this information was requested in good faith pursuant rule 1002 and it was nevered provided. This is unfair, illegal, fraudulent, and not equal to me as the consumer or secured party creditor. remove all late payments from my credit report and restore my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I reviewed my credit report and there is serval fraudulent items on my credit report XXXXXXXX XXXX account number XXXX {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7300.00} XXXX XXXX XXXX XXXXXXXX {$2900.00} XXXX XXXXXXXX XXXX - {$6100.00} I have filed a police report XXXX XXXX XXXXXXXX Date : XX/XX/year> at XXXX EDT To : XXXX Subject : Police2Citizen - Incident Submission Number XXXX XXXX XXXX XXXX - Request for additional information XXXX XXXX XXXXXXXX Incident Submission Number : XXXX XXXX XXXX XXXX XXXX XXXX Police Department has reviewed the incident report you submitted on XX/XX/year> and requested additional information Requested Information I strongly suggest that you include the account information in the incident description including the date the account was opened, the name of the creditor, the account number if you have it, and the outstanding balance. 


Please click this link to view and update your submitted incident report. 
ftc with these fraudulent items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: CA

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.

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 2024-08-31 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading.

This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : 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 2024-08-31 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : 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