vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: NJ

Complaint narrative:
I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.

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 2024-11-21 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: McCarthy, Burgess & Wolff, Inc.
State: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Final Complaint Under the Fair Credit Reporting Act ( FCRA ) and Demand for Resolution through XXXX Dear XXXX XXXX XXXX, I am writing to formally express my dissatisfaction with your handling of my credit information and the numerous violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of your gross negligence and misconduct. 

Despite my multiple disputes regarding inaccurate information on my credit report, including a fraudulent residence listed as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX I have never livedXXXX has failed to take appropriate action. This misinformation has persisted, and you have continued to display XXXX XXXX XXXX XXXX as my residence, which is my previous address linked to my family but not applicable to me. My current and verifiable residence is XXXX XXXX XXXX XXXX XXXX XXXX, which is also correctly reflected on my other credit reports. 

Additionally, the trade line reported by XXXX XXXX is erroneous and must be investigated as per FCRA requirements. I have provided supporting documentation alongside my disputes, including my FTC report regarding identity theft, yet this has not led to the necessary corrections. 

Your company has been sending me correspondence to my correct address as listed, yet in its attempts to delay and hinder a true investigation, it has misleadingly listed XXXX XXXX XXXX as my address for dispute results. This misinformation not only adds to my frustration but further complicates the resolution process. 

Furthermore, it is important to clarify that my legal name is XXXX XXXX XXXX, with the " V '' always capitalized. 

The repeated failure to report accurate and verified information, as well as to conduct proper due diligence during the dispute resolution process, has severely impacted my creditworthiness. I have been unable to secure products with lenders who can not locate my credit file, and my business bureau scores have not been accessible since XX/XX/XXXX. 

Due to these ongoing issues and the significant distress and fraud resulting from your inaccuracies, I hereby demand a resolution through arbitration per the terms outlined within my credit report agreement with XXXX. It is essential that you take this matter seriously, investigate my complaints thoroughly, and rectify the errors reported on my credit file immediately. 

Failure to address these issues may force me to pursue further legal action to enforce my rights under the FCRA. 

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

Sincerely, [ XXXX XXXX XXXX ] ---

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-21 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 respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry 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 2024-11-21 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 respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry 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 2024-11-21 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:
Im reaching out to dispute an issue with my consumer report. There are late payments showing for the months of XXXX and XX/XX/year>, but this is simply not correct. Ive always been on top of my payments during that time, and I dont understand how this mistake ended up on my report. This incorrect reporting isnt just frustratingits unfair. Its also a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to ensure the information they report is accurate. Additionally, this may violate New Jerseys consumer protection laws, which safeguard individuals like me from having inaccurate information harm their credit. Im asking for these late payments to be removed from my report immediately. This mistake is hurting my credit and could impact me financially if its not fixed. Id appreciate it if you could investigate this issue and let me know once the corrections have been made. Thank you for your time and attention, and Im hoping to see this resolved quickly.

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 2024-11-21 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: NC

Complaint narrative:
Request for Immediate Removal of Collection Account I am writing to formally request the removal of a collection account listed under my name. The account in question is as follows : Creditor Name : XXXX XXXXXXXX Account NumberXXXX Amount : {$850.00} Creditor Name : XXXX  Account Number : XXXX Amount : {$4600.00} This account is either inaccurate, unverifiable, or was reported in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have not received proper validation of the debt from the collection agency, and as per federal law, the item must be removed if it can not be fully verified within a reasonable timeframe. 

This is my third attempt to get these fraudulent accounts removed that are inaccurately reporting on my credit report, I am now escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities for further action. 

Please provide written confirmation of your actions and the steps taken to correct this matter. I expect a response no later than XX/XX/year>. Because this is the third time contacting you on this matter. You have disregarded my disputes both times with no changes to my report. Causing distress to me and my family. If this continues I will be forced to pursue legal action. 

Failure to comply with this request will result in me exercising my full rights under the FCRA, including legal action if necessary. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-22 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: SC

Complaint narrative:
I did my due diligence and contacted them to have the honor their part of our agreement. I was told this would be updated in XXXX days but it still appears on my 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 non-monetary relief
Consumer complaint received 2024-11-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did my due diligence and contacted them to have the honor their part of our agreement. I was told this would be updated in XXXX days but it still appears on my 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-21 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: GA

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed ; I had fraudulent accounts on my report. Please remove these accounts from my report. They are 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 2024-11-21 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-21 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-21 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: FL

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Inquiry : Company Name, Date of Inquiry My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

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 2024-11-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has been the worst experience. I cant be transferred to a proper English speaking supervisor to have my freeze lifted from my credit profile. The attitudes they give me is the worst, they dont want to work with me at all. They keep giving me the run around. 

XXXX seems to have no clue what they are doing sat on the phone for hours trying to check and update they lied said they didnt see the proper documentation another one died its really overwhelming how Ive been treated.

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 2024-11-21 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: MD

Complaint narrative:
I discovered that several inaccuracies were reported on my credit report, including incorrect personal information and erroneous late payment histories. Upon reviewing my credit report, I noticed the following issues : Personal information related to my addresses ( XXXX XXXX XXXX, XXXX XXXX, MD, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD ) was incorrect and needed to be removed immediately. 

Several accounts were inaccurately reporting late payments, including those from XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX and others. These accounts were marked as having late payments, which was incorrect. I have consistently made payments on time, and I requested that the payment history for these accounts be corrected to reflect that they were paid as agreed and never late, as required under 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ). 

A number of accounts, including those from XXXX, XXXX XXXX XXXX, XXXX, XXXX, and others, were reported inaccurately, and I requested that these accounts be deleted from my credit report under 15 USC 1681s-2, which addresses the responsibilities of furnishers of information.

I have made attempts to resolve these discrepancies with both the credit reporting agencies and the creditors involved, but I was unsuccessful. As a result, I sent a certified letter disputing these inaccuracies and demanding corrections or deletions as outlined in the FCRA. I also informed the recipients that failure to resolve these issues within 30 days would result in legal action, seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: MI

Complaint narrative:
I noticed unauthorized accounts on my credit report that I would like removed

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