vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute certain accounts on my credit report that I believe are a result of fraudulent activity. I kindly request a thorough investigation into these accounts and their prompt removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Attached, please find identity theft reports that clearly indicate the fraudulent nature of these accounts. I request written confirmation of the investigation results and the removal of these fraudulent accounts within the statutory timeframe as outlined in the Fair Credit Reporting Act ( FCRA ).

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX XXXXXXXX, has violated my rights.

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 an account without my written instructions.

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 2024-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the inaccurate reporting of late accounts on my credit report. Upon contacting the bank, they confirmed a system glitch and errors in their files. They assured me of a positive update to my report, indicating the account has never been late. XXXX has already updated its report and removed this account. 
Account Name and Number : 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 2024-01-23 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:
In XX/XX/XXXX, I remitted notice to the consumer reporting agencies TRANSUNION XXXX XXXX XXXX and the individual company 's furnishing our account details as follows : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Remove the transactions and experiences between me and your institution from all consumer reports in compliance with 15 USC 1681a promptly. The Privacy Act of 1974 prohibits the current malpractice conducted by consumer reporting agencies regarding my personal matters.

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 2024-01-23 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:
In XX/XX/XXXX, I remitted notice to the consumer reporting agencies XXXX XXXX XXXX EQUIFAX and the individual company 's furnishing our account details as follows : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Remove the transactions and experiences between me and your institution from all consumer reports in compliance with 15 USC 1681a promptly. The Privacy Act of 1974 prohibits the current malpractice conducted by consumer reporting agencies regarding my personal matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach, and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: MI

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX ( Original Creditor : AT T ) XXXX Balance : {$980.00} STATE OF MI OFFICE CHI XXXX Balance : {$53000.00} STATE OF MI OFFICE CHI XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
On XX/XX/2023 Transworld System INC was sent certified mail yet keeps illegally reporting to my consumer reports for {$660.00} without my consent or an option to opt out of reporting after they were notified they were in violations of my rights. 

15 U.S. Code 6802 - Obligations with respect to disclosures of information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,

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 2024-01-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reported an incorrect balance. Has an account open that is closed and listed as collections. The account is paid in full. I have a close supporting documents, showing the original move out date from the acting landlord.

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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A timeshare company opened a credit card in my name without telling me, and they used it to make a down payment on my behalf. I never used this credit card ( for anything ) and started getting statements for payments. A third party debt collection agency called " Midland Credit Management '' started trying to collect on this debt. When I asked for proof of contract and proof of signature, they were unable to provide it, and unable to provide any recordings or records of the repeated phone calls regarding this matter. They have been calling and harassing me for the debt, and have threatened to sue and have ignored my requests to only contact me in writing.n This debt has also been negatively reported on my credit report despite my dispute and their inability to provide any proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: IL

Complaint narrative:
I wish to exercise my rights to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
As a federally Protected Consumer, I hereby formally opt out of any and all authorizations.

Whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my non public, personal information with non-affiliated third parties including the consumer reporting agencies for any purpose.

I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the GRAMM-leach Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information OTHER COMPLAINTS XXXX XXXX XXXX DOCUMENTS ARE ATTACHED BELOW

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 2024-01-23 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: LA

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 2024-01-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below had violated My federally protected consumer rights to privacy and confidentiality under 15 USC 1681. # XXXX, XXXX and XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have 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 instruction. 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 other then records of convictions of crimes which antedates the report by seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish my information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 


XX/XX/23 Ask all credit reporting agency to remove this report off my credit from XXXX XXXX XXXX for total of XXXX $ Transunion, XXXX, and XXXX but this company ignored my 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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX the companies were unable to validate the alleged debt reported to consumer reporting agencies with any endorsed contract between the consumer and original creditor. Which prompted the remittance of the following notice the next month : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly delete my information from all your reports submitted to third parties in compliance with the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This has been an ongoing issue with the Credit Reporting agencies ( XXXX, XXXX, and Experian ) reporting inaccurate information to my credit report. I've contacted each agency XXXX, XXXX, and XXXX of XXXX  to resolve the issue. There is an account showing in charge-off status that has since been cancelled, forgiven, and written off by the lender. The lender has written this debt off and it has now become taxable income. Taxable income CAN NOT be reported on a consumer 's profile. I've requested proof to show me where income is reported as debt on a credit profile and have yet to receive a response. Each bureau has the responsibility to report maximum accuracy on my credit profile. Reporting an account that is not disputable and is now considered income is now in violation of 15 USC 1681 ( e ) b

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 2024-01-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$980.00} STATE OF MI OFFICE CHI XXXX Balance : {$53000.00} STATE OF MI OFFICE CHI XXXX Balance : {$8000.00} 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 2024-01-23 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: PA

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 non-monetary relief
Consumer complaint received 2024-01-23 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: AMERICA FIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/ I remitted notice to the following companies sharing information with consumer reporting agencies in collusion to furnishing unlawful consumer reports in clear violation of 15 USC 1681a the following message : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all transactions and experiences between me and your institution from all reports delivered to third parties. Effective immediately and indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account XXXX XXXX and Public Information Account XXXX XXXX has violated my rights. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: LA

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This has been an ongoing issue with the Credit Reporting agencies ( Transunion, XXXX, and XXXX ) reporting inaccurate information to my credit report. I've contacted each agency XXXX, XXXX, and XXXX of XXXX  to resolve the issue. There is an account showing in charge-off status that has since been cancelled, forgiven, and written off by the lender. The lender has written this debt off and it has now become taxable income. Taxable income CAN NOT be reported on a consumer 's profile. I've requested proof to show me where income is reported as debt on a credit profile and have yet to receive a response. Each bureau has the responsibility to report maximum accuracy on my credit profile. Reporting an account that is not disputable and is now considered income is now in violation of 15 USC 1681 ( e ) b

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 2024-01-23 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: NC

Complaint narrative:
This has been an ongoing issue with the Credit Reporting agencies ( XXXX, Equifax, and XXXX ) reporting inaccurate information to my credit report. I've contacted each agency XXXX, XXXX, and XXXX of XXXX  to resolve the issue. There is an account showing in charge-off status that has since been cancelled, forgiven, and written off by the lender. The lender has written this debt off and it has now become taxable income. Taxable income CAN NOT be reported on a consumer 's profile. I've requested proof to show me where income is reported as debt on a credit profile and have yet to receive a response. Each bureau has the responsibility to report maximum accuracy on my credit profile. Reporting an account that is not disputable and is now considered income is now in violation of 15 USC 1681 ( e ) b

Company response to consumer: Closed with non-monetary relief