vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
I am writing to follow up on my previous communications regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.

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 2024-05-20 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

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 2024-05-20 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:
Problem with a company 's investigation into an existing problem

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 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise debt collection company has repeatedly harassed me via phone calling nearly 20-30 times a day for a collection that I do not owe or did not authorize. I have been a victim of identity theft and had my belongings stolen and several fraudulent accounts opened. I have placed protections on my credit report to block accounts being opened without my consent. Additionally, I have never had an account with this company and never gave permission to be contacted.

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 2024-05-20 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: FL

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In 2017 I was living in a town home that flooded due to a broken pipe from dishwasher under kitchen sink. I called the apartment people and they would not come and fix the issue. My mother had passed away and I had her things from XXXX I did not want damaged I advised the company that I was moving out I brought them the keys and they put I owed over {$2000.00} to the company they sued me without my knowledge. And then sent to collection agency Pro collect which I do not owe the debt. Ive been fighting with them over this and they will not rectify the debt. Im 100 % XXXX and trying to get into a XXXX and above living but cant because this debt is following me where ever I go. Please help to fix this issue that is not my doing

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 2024-05-20 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: MS

Complaint narrative:
Dear CFPB, I am writing to formally dispute the presence of several items on my credit report, which were verified without my permission. On XX/XX/year>, I initiated a dispute regarding multiple items on my credit report. However, on XX/XX/year>, these items were returned as verified. I believe this verification process was conducted in violation of the Fair Credit Reporting Act ( FCRA ), Section 605B.

According to FCRA Section 605B, it is illegal to report information on my credit report without my explicit permission. The specific items that were incorrectly verified are as follows : XXXX ( XXXX ) accounts from XXXX XXXXXXXX XXXX ( XXXX ) account from XXXX XXXX I did not authorize these accounts, and their presence on my credit report is unwarranted. I respectfully request the CFPB 's assistance in addressing this issue and ensuring that these items are permanently removed from 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 2024-05-20 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: VA

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with XXXX, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXX XXXX : Account number : XXXX, Clarify the payment status, comments, balance and account number as I think they are erroneous. If you can not prove any of the information mentioned in the past credit report data that I contested with, I demand this account be deleted from my credit report. 

XXXX XXXX  Account number : XXXX, I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Remove this extremely damaging inaccurate information immediately from my credit report. 

XXXX XXXX : Account number : XXXX, I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. ". 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that XXXX complies with the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking the correction of the inaccuracies in my credit report and a formal acknowledgment from XXXX regarding the resolution of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I have paid off my auto account with XXXX XXXX since XXXX or XXXX of XXXXHowever late payment and account still reporting on my credit. When I reached out to XXXX was advise that though account is paid off it will not be removed from credit reporting for another XXXX years therefore interfering with my rent score and ability to get approved for a place to live. 

The delinquent account that I have with Capstone Credit and Collections has been paid off since XX/XX/XXXX but still reflecting negative on my credit report making it hard for my rent score to increase and me be able to move into a home when I made contact with the debt collector I was advised that even though account is paid in full it will not fall off of credit reporting until XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
You are reporting an account that is not mine on my credit report. I sent a dispute letter and affidavit to the credit bureaus and the creditor on XX/XX/2023 which was over 8 months ago. XXXX was the only credit reporting agency to remove XXXX XXXX XXXX. Please be advised that this matter is being handled by a firm, and my lawyer is currently reviewing the situation to ensure that all appropriate legal actions are taken. I kindly request that you update your records to reflect the accurate status of this account and cease reporting it under my name. Please see the attached dispute letter, which is dated, and time stamped and remove this account pursuant 15 usc 1681a.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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:
I am a victim of fraudulent information reporting and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.

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 2024-05-20 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: FL

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-20 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:
I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report Please remove this account from my report, it is hurting my ability to obtain credit.

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 2024-05-20 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: FL

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-20 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: PA

Complaint narrative:
Problem with a company 's investigation into an existing problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$6400.00} XXXX - XXXX {$790.00} XXXX  - XXXX {$12000.00} XXXX - XXXX {$510.00} XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reported credit card fraudulent charges on my Truist credit card in XX/XX/XXXX XXXX stopped that card and issued me a new card with a different account number. 
Fraudulent charges from the same company ( XXXX ) kept showing up on the old account which were transferred to my new card. These were new charges. 
I made several attempts to correct this situation and was told these were late posted charges and I wouldnt need to pay. 
In XXXX I noticed another fraudulent charge on my old, inactive card again transferred to my new card, this time with a recent posting date. I inadvertently paid the bill before recognizing this new problem. It happened again in XX/XX/XXXX. Same vendor, same amount same recent posting date. I reported this again for the fourth or fifth time and still have no resolution or explanation of why they are continuing to allow charges to continue being registered to an account closed since XX/XX/XXXX. I have received no satisfaction regarding this issue.

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 monetary relief
Consumer complaint received 2024-05-20 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:
I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report Please remove this account from my report, it is hurting my ability to obtain credit.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

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 and 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 2024-05-20 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: MS

Complaint narrative:
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I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NJ

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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