vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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:
XX/XX/2024 Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureaus, Transunion, XXXX, and XXXX, regarding an erroneous reporting on my credit report. Despite numerous attempts to rectify the situation directly with the credit bureaus, the inaccurate reporting persists, causing adverse effects on my ability to obtain purchasing power and violating my consumer rights. 

The erroneous information pertains to a debt allegedly owed to a Timeshare Company, which inaccurately reflects on my credit report under my name, XXXX XXXX. It is important to highlight that I have never engaged in any business transactions or agreements with any Timeshare Company under the mentioned name or any other.

Upon discovering this discrepancy, I promptly contacted the Timeshare Defense Attorneys, assuming they would rectify the matter. However, despite my efforts and repeated requests for validation of the debt, no action has been taken to correct the misinformation. Furthermore, the credit bureaus, namely Transunion, XXXX, and XXXX, have failed to update my credit report accordingly, leaving the erroneous entry intact. 

This inaccurate reporting is not only damaging to my financial reputation but also infringes upon my consumer rights. As a consumer, I have the right to accurate and verifiable information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). By allowing this erroneous entry to persist, the credit bureaus are in violation of the FCRA and failing to fulfill their obligation to ensure the accuracy of consumer credit reports. 

The adverse effects of this erroneous reporting are evident as it hampers my ability to obtain necessary purchase power, hindering my financial stability and well-being. I have taken all necessary steps to resolve this matter directly with the credit bureaus and the relevant parties, yet no progress has been made. 


Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your assistance in restoring the accuracy of 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 non-monetary relief
Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
XX/XX/2024 Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureaus, XXXX, Equifax, and XXXX, regarding an erroneous reporting on my credit report. Despite numerous attempts to rectify the situation directly with the credit bureaus, the inaccurate reporting persists, causing adverse effects on my ability to obtain purchasing power and violating my consumer rights.

The erroneous information pertains to a debt allegedly owed to a Timeshare Company, which inaccurately reflects on my credit report under my name, XXXX XXXX. It is important to highlight that I have never engaged in any business transactions or agreements with any Timeshare Company under the mentioned name or any other.

Upon discovering this discrepancy, I promptly contacted the Timeshare Defense Attorneys, assuming they would rectify the matter. However, despite my efforts and repeated requests for validation of the debt, no action has been taken to correct the misinformation. Furthermore, the credit bureaus, namely XXXX, Equifax, and XXXX, have failed to update my credit report accordingly, leaving the erroneous entry intact. 

This inaccurate reporting is not only damaging to my financial reputation but also infringes upon my consumer rights. As a consumer, I have the right to accurate and verifiable information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). By allowing this erroneous entry to persist, the credit bureaus are in violation of the FCRA and failing to fulfill their obligation to ensure the accuracy of consumer credit reports. 

The adverse effects of this erroneous reporting are evident as it hampers my ability to obtain necessary purchase power, hindering my financial stability and well-being. I have taken all necessary steps to resolve this matter directly with the credit bureaus and the relevant parties, yet no progress has been made. 


Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your assistance in restoring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Sandalwood Solutions
State: OH

Complaint narrative:
I reached out to us bank for help with my mortgage. They referred Me to a company that me be a scam instead of offering me there options now I'm out of XXXX dollars are promises to save my home by paying them. I have XXXX kids and I really can't afford to pay for help when it should be free. Why would my bank referr me here?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 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: MI

Complaint narrative:
XXXX XXXX and equifax are missing generation identifier. These are inaccuracys Equifax reports status updated XX/XX/XXXX XXXX reports status updated XX/XX/XXXX. These are inaccuracys. 

No last payment date is reported on Equifax or XXXX. This is an inaccuracy. 

XXXX balance updated is XX/XX/XXXX. Equifax balance updated XX/XX/XXXX XXXX original balance is {$5400.00}. Equifax original balance is {$2000.00} Equifax and XXXX both have different account numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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:
On XX/XX/XXXX I was pressured into buying a timershare from this company by their sellers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the XXXX hotel located in XXXX XXXX, little did I know that this company is a scam, when I tried to use the timeshare it was never available so I was paying for something that I never got to use. They told me I can definitely make money from this timeshare by either renting it out and/or resale because according to them, the resale value would go up. They also said it had some tax benefits similar to owning a second home. They offered us gifts such as { {$200.00} } credit card, trips, etc. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulty caused by this timeshare, earnings lost and inability to keep up payments based on our income. They repeatedly calling us for payments, I even lose sleep over the stress of the timeshare. I decide to resale the timeshare in XX/XX/XXXX with the same XXXX company, ended up having to pay extra just to put it for resale with them. They said would only take XXXX months to sell and it has been XXXX years and it still hasnt been sold. They never provided me the disclosures to opt out of sharing my information with anyone and they have been sharing With these credit agencies my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Ive tried addressing this issues disputing with the agencies and it still hasnt been resolved.

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 2024-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
On XX/XX/2024 I was called by Bonneville Collections in XXXX  XXXX, Idaho twice within 30 minutes. They also left 2 voicemails back to back during this same morning about the same debt. I don't believe leaving multiple voicemails on the same day is FDCPA compliant? I also have saved these voicemails for proof. 

Secondly, I have contacted the agency about making XXXX XXXX  monthly payments on my medical debt, which they wouldn't accept, stating the amount is too low to accept. Being in an industry where my income has dropped XXXX XXXX  over the past couple years, $ XXXX is all I can afford at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CO

Complaint narrative:
My student loan servicer is Edfinancial. On XX/XX/2023 or 335 Days ago I made a payment on one of my student loans, specifically, I paid {$1600.00} on loan 5 or Loan E. At this time Edfinancial transitioned from one website to another website platform. The payment I made on Loan 5 or Loan E never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued.

I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial gave me for the payment. This loan should have been paid off in full in 2023.

I received a 60 day delinquency notice for a loan that I already paid off in full. I am not paying a penny more than i owe on these loans.

Recently i found out that Edfinancial took that money and put it on Loan 4. I never consented for that money to be placed on Loan 4. I literally call Edfinancial on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''.

It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial is a complete nightmare to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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:
Dear Transunion In accordance to the Fair Credit Reporting XXXX XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, Transunion, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an Amex XXXX, I verified the balance on balance.amexXXXX and it shows a balance of XXXX USD. I attempted to use the card on XXXX but the transaction was declined. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Solar Mosaic LLC
State: PA

Complaint narrative:
I sent emails to the company ( Mosaic ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in XXXX. I also have spoken to them on the phone XXXX times in XXXX explaining my situation. On XXXX XXXX, a representative showed up at my door to post a letter and proceeded to shut off my power. I explained the situation to them, and they left. I turned my power back on. I have asked for a mediation hearing, but Mosaic refuses to listen to anything I have to say. I had solar panels put in and Mosaic was the company handling the finances. The solar panels have never worked for the XXXX  years I had XXXX company who installed them XXXX XXXX XXXX ) has filed for XXXX. I paid for XXXX years for something that didn't work. No one will fix the panels because of the XXXX I want the panels removed and the loan canceled since they don't work. I feel the contract should be voided because I am not receiving what I signed for. I am supposed to be getting XXXX % of my energy needs and XXXX hour monitoring. I have not gotten either. I can't keep paying for the panels and my entire electric bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled a copy of my credit report and noticed a fraudulent account. 



XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX  | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX  | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX. | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX  | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft. 

XXXX XXXX | XX/XX/2023 : Account number : XXXX, I was a victim of identity theft.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX and XXXX are reporting transaction history for many of my account and per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

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 2024-03-10 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:
XXXX, Equifax and XXXX are reporting transaction history for many of my account and per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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:
Complaint Against TransUnion for Failure to Respond to Dispute Letters. 

Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their failure to respond to my dispute letters regarding inaccuracies found in my credit report. Despite my diligent efforts to address these discrepancies, TransUnion has neglected to provide any resolution or acknowledgment of my concerns. 

As outlined in my correspondence dated XX/XX/year>, I have meticulously detailed numerous errors present in my credit report, including discrepancies in personal information and inaccuracies in account data from various creditors. Despite providing clear and specific information regarding these errors, TransUnion has failed to take appropriate action to rectify the situation. 

Given the significant impact that these inaccuracies can have on my financial well-being, including my ability to obtain credit, employment opportunities, and insurance rates, it is imperative that TransUnion promptly addresses and corrects these errors.

The credit bureau is in violation of the following laws : 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b.

Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that TransUnion fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

Please find enclosed copies of my dispute letters sent to TransUnion for your reference. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-03-10 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: IN

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : procollect, XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation