vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: GA

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 XXXX  : 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 XXXX 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have discovered that my credit reports from TransUnion, XXXX, and XXXX contain inaccurate personal information that I did not provide or authorize. This incorrect information does not accurately reflect my identity and has caused confusion and potential harm to my credit profile. Below is a list of the inaccurate personal information currently listed on my credit reports : Inaccurate Personal Information : XXXX. Incorrect Addresses : Reported Address : XXXX XXXX XXXX, XXXX, IL XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX These addresses are not associated with my actual place of residence. 
XXXX. Incorrect Phone Numbers : Reported Phone Number : ( XXXX ) XXXX This phone number does not belong to me. 
XXXX. Incorrect Names : XXXX XXXX XXXX. XXXX XXXX XXXX Correct Personal Information : XXXX. Correct Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX. Correct Phone Number : ( XXXX ) XXXX XXXX. Correct Name : XXXX XXXX Actions Taken : XXXX. Disputed Personal Information : I have formally disputed the incorrect personal information with TransUnion, XXXX, and XXXX. 
XXXX. Provided Correct Information : Along with my dispute, I provided proof of my correct address, phone number, and identity in order to ensure my credit report accurately reflects my personal details. 

Applicable Law : Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal disputes, the credit bureaus have failed to correct the inaccurate personal information. This failure violates my rights under the FCRA and continues to pose risks to my creditworthiness. 

Summary of the Issue : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that TransUnion, XXXX, and XXXX correct the inaccurate personal information on my credit reports. These inaccuracies have caused harm to my credit profile, and I seek timely resolution to protect my credit history and personal identity.

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 2024-10-07 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: KY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
They do not want to send me my reports even though I have sent all my documents and evidence from the court that I do not owe anything, nor do they want to correct the report. When I called and asked for a supervisor, she responded by hanging up the call. I did a chapter XXXX on XX/XX/year> was release. They know that because they already have the information that I sent them trhough certified mail several times.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
They do not want to send me my reports even though I have sent all my documents and evidence from the court that I do not owe anything, nor do they want to correct the report. When I called and asked for a supervisor, she responded by hanging up the call. I did a chapter XXXX on XX/XX/year> was release. They know that because they already have the information that I sent them trhough certified mail several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I requested debt owed breakdown since vehicle was sold but never received paperwork proof ( receipt ) that I still owed anything after sale of vehicle by Ford. When I disputed they reduced amount owed however I tried to make a payment agreement after reported me to collection and requested a pay for deletion agreement which they refused to offer and when I called Ford auto finance it was to no avail as I got no answer and was just sent back and forth between their third party collection agency and Ford auto finance. They reported this debt years ago they sold vehicle so where is the proof that I owe on a vehicle I dont possess. Id like to resolve this but with concrete proof of debt in detail sent to me because I have no proof just their word which isnt enough verbally. I also would like a payment plan & removing the negative reporting after I have been trying my best to no avail just want to ruin my credit when I am trying in this most difficult economic times as a single mom of XXXX I still wish to pay my debt if it is legitimately owed with proof and to have someone reach out to me to actually help give a payment plan and remove all their negative reporting when I have been trying my best to pay this debt if owed. It is not easy trying to call a company that gives you the run around and no solutions to help but simply wish to ruin your credit because maybe they have already had this debt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-10-07 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 explanation
Consumer complaint received 2024-10-07 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: TX

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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 2024-10-07 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to formally request a 1099-C form related to the charged-off account listed on my credit report for the amount of {$5400.00} account number ( XXXX ) with company NATLCRSYS. 

According to my credit report, the debt associated with this account has been charged off by your company. As per IRS guidelines, if a debt has been forgiven or canceled, I believe I should have received a 1099-C form, which documents the cancellation of this debt for tax purposes. However, I have not received this form to date. 

Please send the 1099-C form to the address listed on file as well as down below at your earliest convenience. If there was no cancellation of the debt, or if additional steps are required on my part, I would appreciate clarification of the status of the account. 

Thank you for your prompt attention to this matter. I look forward to your response. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX, XXXX, beneficiary, and Executor of the XXXX XXXX XXXX  have been seeking immediate action from the Fiducairy Trustees and Data Custodians over the inaccurate and unauthorized consumer reporting of accounts, false and misleading information, obligations, and transactions ; Breach of privacy on the Estate and defamation of character has occurred by actions taken or not taken. Trustees are currently acting in a malfeasant way and are in breach of Trust and fiduciary duty by said actions. 

The National Credit Reporting Agencies have failed to adequately remedy or investigate the matter under equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

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 2024-10-07 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 2024-10-07 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: 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 whic
h 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 2024-10-07 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 2024-10-07 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: PA

Complaint narrative:
TransUnion Credit Reporting Agency, Request for Blocking Fraudulent Information Pursuant to FCRA Section 605B, I am writing to formally notify you that I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request the immediate blocking of fraudulent information appearing on my consumer credit report, as provided for under FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). I expect that you will take the necessary action to block this information within XXXX business days of receiving this complaint. 

The fraudulent entries in question include the following accounts : Account XXXX : XXXX XXXX with a balance of {$0.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX balance of {$7500.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX balance of {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been falsely reporting inaccurate and misleading information on my credit reports. I want to clarify that I have never engaged in any business transactions with this entity. They have submitted a fraudulent document claiming that I owe them a debt, despite the fact that I have never consented to any agreement with them, nor have they provided me with any capital, funding, or credit in any capacity. 

The presence of these fraudulent accounts has led to multiple hard inquiries and wrongful collections on my consumer XXXX credit report. I do not recognize any of these accounts or the associated collections as legitimate. All of the aforementioned accounts are the direct result of identity theft and fraud. 

To substantiate my claim, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX XXXX XXXX XXXXXXXX, issued by the XXXX Federal Trade Commission. This document serves as proof that the accounts in question are a result of identity theft and should not be reflected on my credit report. 

I appreciate your prompt attention to this serious matter, and I look forward to your immediate action in rectifying 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 explanation
Consumer complaint received 2024-10-07 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}-

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 2024-10-07 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}-

Company response to consumer: Closed with non-monetary relief