vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this dispute to address the ongoing issue with my XXXX  XXXX accounts being reported on TransUnion, despite my previous disputes. These accounts are not being reported by XXXX or XXXX, and I have repeatedly disputed their inclusion on my TransUnion report with no resolution. 

Details of the Issue : Repeated Disputes : I have disputed both XXXX  XXXX accounts multiple times, yet they continue to appear on my TransUnion credit report. 

Non-Reporting by XXXX XXXX : These same accounts are not being reported on my XXXX or XXXX credit reports, further indicating that they should not be present on TransUnion. 

Failure to Resolve : Despite my efforts, this issue remains unresolved, and these accounts continue to negatively affect my credit report and score. 

XXXX XXXX : I request that TransUnion immediately remove both XXXX XXXX accounts from my credit report and ensure that they are no longer reported. I also seek compensation for the harm caused by the continued inaccurate reporting of these accounts. 

Thank you for your prompt attention to this matter.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2024-12-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Violation of FCRA XXXX XXXX Dear Experian, I am writing to formally lodge a complaint regarding your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX XXXX XXXX ), which mandates credit bureaus to investigate disputes and provide proof of such investigations. 

Despite my repeated attempts to dispute the erroneous information on my credit report over the last year, you have failed to : XXXX. Conduct a reasonable reinvestigation of the disputed items, as required by law. 
XXXX. Provide proof of the reinvestigation process or any findings supporting the accuracy of the disputed information. 
XXXX. Correct or remove the inaccurate information from my credit report, which continues to negatively impact my creditworthiness. 

The inaccurate information appears to have been fraudulently placed on my credit report without my knowledge or consent. This failure to act violates FCRA XXXX XXXX and undermines the transparency and integrity of the credit reporting process. As a result, I have suffered financial harm, including a diminished credit score and the inability to access fair credit opportunities. 

I am requesting that you : XXXX. Immediately conduct a thorough reinvestigation of the disputed information. 
XXXX. Remove any inaccurate or unverifiable information from my credit report. 
XXXX. Provide a detailed report of the reinvestigation process and findings. 
XXXX. Take corrective actions to ensure compliance with FCRA obligations in the future. 

Failure to address this matter promptly XXXX leave me no choice but to escalate this issue by filing a complaint with the Federal Trade Commission ( FTC ) and pursuing legal action. 

Please confirm receipt of this complaint and provide a response within XXXX  days, as stipulated by the FCRA. You may contact me at XXXX or XXXX to discuss this matter further. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these inaccuracies. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-27 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: NH

Complaint narrative:
I couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging my score down. Its frustrating to think about how many opportunities I might have missed because of this. I never authorized these accounts, and they shouldnt be there.

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 2024-12-27 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: GA

Complaint narrative:
My privacy rights have been violated. Banking terms signed state my right to privacy and further state that the company does not share information with third party. Yet every month for the past XXXX  years, the XXXX XXXX XXXX  has shared my loan transaction and account balance information with XXXX XXXX XXXX XXXX XXXX. This is a blatant violation of the banks own terms. It is the fiduciuary responsibility to keep my information private, and nit my information has been subject to various data breaches.

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 2024-12-27 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2024-12-27 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-27 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: NY

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-12-27 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: NY

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-12-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Violation of FCRA XXXX XXXX Dear XXXX, I am writing to formally lodge a complaint regarding your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX XXXX XXXX ), which mandates credit bureaus to investigate disputes and provide proof of such investigations. 

Despite my repeated attempts to dispute the erroneous information on my credit report over the last year, you have failed to : XXXX. Conduct a reasonable reinvestigation of the disputed items, as required by law. 
XXXX. Provide proof of the reinvestigation process or any findings supporting the accuracy of the disputed information. 
XXXX. Correct or remove the inaccurate information from my credit report, which continues to negatively impact my creditworthiness. 

The inaccurate information appears to have been fraudulently placed on my credit report without my knowledge or consent. This failure to act violates FCRA XXXX XXXX and undermines the transparency and integrity of the credit reporting process. As a result, I have suffered financial harm, including a diminished credit score and the inability to access fair credit opportunities. 

I am requesting that you : XXXX. Immediately conduct a thorough reinvestigation of the disputed information. 
XXXX. Remove any inaccurate or unverifiable information from my credit report. 
XXXX. Provide a detailed report of the reinvestigation process and findings. 
XXXX. Take corrective actions to ensure compliance with FCRA obligations in the future. 

Failure to address this matter promptly may leave me no choice but to escalate this issue by filing a complaint with the Federal Trade Commission ( FTC ) and pursuing legal action. 

Please confirm receipt of this complaint and provide a response within XXXX  days, as stipulated by the FCRA. You may contact me at XXXX or XXXX to discuss this matter further. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these inaccuracies. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Violation of FCRA XXXX XXXX Dear XXXX, I am writing to formally lodge a complaint regarding your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXXXXXX XXXX XXXX ), which mandates credit bureaus to investigate disputes and provide proof of such investigations. 

Despite my repeated attempts to dispute the erroneous information on my credit report over the last year, you have failed to : XXXX. Conduct a reasonable reinvestigation of the disputed items, as required by law. 
XXXX. Provide proof of the reinvestigation process or any findings supporting the accuracy of the disputed information. 
XXXX. Correct or remove the inaccurate information from my credit report, which continues to negatively impact my creditworthiness. 

The inaccurate information appears to have been fraudulently placed on my credit report without my knowledge or consent. This failure to act violates FCRA XXXX XXXX and undermines the transparency and integrity of the credit reporting process. As a result, I have suffered financial harm, including a diminished credit score and the inability to access fair credit opportunities. 

I am requesting that you : XXXX. Immediately conduct a thorough reinvestigation of the disputed information. 
XXXX. Remove any inaccurate or unverifiable information from my credit report. 
XXXX. Provide a detailed report of the reinvestigation process and findings. 
XXXX. Take corrective actions to ensure compliance with FCRA obligations in the future. 

Failure to address this matter promptly may leave me no choice but to escalate this issue by filing a complaint with the Federal Trade Commission ( FTC ) and pursuing legal action. 

Please confirm receipt of this complaint and provide a response within XXXX  days, as stipulated by the FCRA. You may contact me at XXXX or XXXX to discuss this matter further. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these inaccuracies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
My Identity was stollen since year XXXX. I didn't realize until almost the middle of year XXXX. I wrote letters in XXXX XXXX to the creditors, and I was able to dispute and cleared most of them by phone except one of many from XXXX XXXX ( XXXX XXXX  ) Someone opened a few credit cards for XXXX XXXX using my personal information. My original XXXX XXXX  credit card ending number was XXXX and it was paid off on XX/XX/XXXX. These are the ones that the thief opened in my name for XXXX Ending numbers of accounts for XXXX XXXX # XXXX. was disputed and cleared # XXXX was disputed and cleared # XXXX XXXX XXXX  took me to court, I tried to dispute this by phone but they couldn't verify my identity by phone, so I was served by the court. I have a trial in XXXXXXXX XXXX XXXXXXXX. If you can refer me to someone that can represent me in court that will be great because I don't have the funds to pay. I also filed an identity report # XXXX and also have a letter ( XX/XX/XXXX ) from a XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) saying that I was a victim of financial loss, and they convicted and sentenced the person for this. 
My complained is against XXXX because they refused to verify my identity and they let someone else used and opened new credit cards on my name. I'm XXXX XXXX XXXX and I still have a parttime job because my XXXX  it is not enough to support me. I have been in a lot of stress and this affecting my health. 
Attorney that are in involved in my court case from XXXXXXXX XXXX are, My case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXXXXXX XXXX  XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXXXXXX XXXX XXXXXXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations XXXX XXXXXXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXXXXXX XXXX XXXXXXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXXXXXX XXXX  XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I have been submitting information to Experian Credit Reporting agency to block information from my personal credit profile that was due to fraud and identity theft. I submitted multiple forms of personal identification including a valid government issued ID, birth certificate, social security card, various forms of proof of address including a letter from the United States social security XXXX and a current bank statement. Furthermore, I provided them with a copy of my FTC report, correspondence from XXXX XXXX XXXX as proof of report, and law enforcement case number, and a statement from myself. 

I received a letter from Experian stating they would not honor my request to block the incorrect information in accordance with XXXX because I did not provide evidence that this was reported to law enforcement. THIS IS INCORRECT. 

I made contact with Experian 's XXXX prevention team today who told me that the police report information was attached to my dispute on XX/XX/year>. However, they repeatedly refused to acknowledge my request to block the accounts under FCRA XXXX because they said they don't do that, they have XXXX  days not 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