vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-04 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: 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. 

List of Unauthorized Inquiries : 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 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 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 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 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  XXXX5 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 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian have not updated my credit report nor have they updated my credit score. When someone Is trying to check my score to approve me for anything i keep getting denied due to experian having my credit score still at XXXX since XXXX XXXX. Its XX/XX/XXXX and experian have yet to up date my credit score. They are in violation of unfair credit reporting15 usc 1681.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Purchased XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX, they financed their vehicle with the company I am submitting the complaint about Credit Acceptance Corp. When we purchased the vehicle, it came with a check engine light on and also the Tire Pressure Monitoring System. We were informed by the dealership mechanics that the check engine warning light would turn off, light never turned off, waited for extended warranty to be active. Took it to XXXX XXXX XXXX in XXXX, TX to do a first time oil change due to we were informed when purchased vehicle that maintenance had been previously done. Was informed by certified mechanic at shop where maintenance was going to be done that the vehicle has several severe issues even before I purchased the vehicle. Here are some of the codes that are being shown on the diagnostics computer XXXX, XXXX, XXXX, XXXX, XXXX. I myself have reached out to the finance company that owns the vehicle to which I was about to start paying, and informed them about the situation, and to this point the situation has not been resolved. I have been told that I need to pay a motor tear down fee of {$600.00}.

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 explanation
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
On XX/XX/XXXX, I noticed a fraudulent account was added to my credit report. I created an identity theft complaint with the FTC to have the fraudulent account investigated and removed from my credit file. Upon further review I also noticed several inquiries on my credit report that I do not recognize or give permission to view or obtain my credit report. Please delete these inquiries from my credit file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Failure to do so will force me to report your company to the Attorney General and seek civil penalties for not complying with the law. Also delete all addresses with the exception of XXXX XXXX XXXX, XXXX  XXXX XXXX GA XXXX and all variations of my name with the exception of XXXX XXXX XXXX XXXX Any incorrect addresses or names could have been used to establish fraudulent credit or used in an unauthorized attempt to establish fraudulent credit in my name. XXXX XXXX XXXX, XXXX Card XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX for Attempted Collection of Discharged Debt Dear CFPB, I am writing to formally file a complaint against the XXXX  XXXX XXXX XXXX XXXX ( XXXX ) regarding its attempts to collect on a student loan debt that has been legally discharged. 

XXXX. Loan Details : Loan Servicer : XXXX Account Number : XXXX Loan Type : Federal Student Loan XXXX. Discharge of Debt : On XX/XX/XXXX, I XXXX the promissory note associated with the loan through a Form 1099-C ( Cancellation of Debt ), which was properly filed with the Internal Revenue Service ( IRS ). 

XXXX was sent a copy of the 1099-C as required, notifying them of the debt cancellation. 

3. Collection Efforts : Despite this discharge, XXXX has continued to send collection notices and demand payment, in direct violation of my rights as the debt holder and contrary to federal law regarding canceled debt. 

Complaint Details I believe XXXX actions are unlawful and in violation of the following : Fair Debt Collection Practices Act ( FDCPA ) : Prohibiting collection of debts that are no longer valid. 

Consumer protections under IRS regulations : A canceled debt documented by a 1099-C represents the permanent cessation of the obligation.

They also have violated my privacy rights by reporting to the credit bureaus under the Privacy Act of 1974. Under the Fair Credit Reporting Act It is illegal to report transaction history and they have reported all transactions regarding missed payments every month for the last 10 years. Transaction history is also a violation of my privacy ; it is considered non-public information under 15 USC sec 6809 ( 4 ). 

These ongoing collection attempts have caused unnecessary stress and confusion and may constitute harassment.

Requested Action I request the CFPB to : 1. Investigate MoHELAs improper debt collection practices. 

XXXX. Require XXXX to cease all collection efforts on this discharged debt immediately. 

XXXX. Ensure XXXX updates its records to reflect the cancellation of this debt and remove it from my credit report. 

4. Provide any necessary penalties or corrective actions to ensure compliance with federal regulations. Make them pay me for one year of violating my privacy rights and being the reason I was denied credit for the past 10 years.

Supporting Documentation I have attached the following documents for your review : A copy of the 1099-C issued to discharge the debt.

Any collection notices received after the discharge.

Thank you for your attention to this matter. I trust the CFPB will take prompt action to address this issue. Please do not hesitate to contact me if additional information is required. 

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 2025-01-04 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: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX for Attempted Collection of Discharged Debt Dear CFPB, I am writing to formally file a complaint against the XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding its attempts to collect on a student loan debt that has been legally discharged.

1. Loan Details : Loan Servicer : XXXX Account Number : XXXX Loan Type : Federal Student Loan 2. Discharge of Debt : On XX/XX/XXXX, I XXXX the promissory note associated with the loan through a Form 1099-C ( Cancellation of Debt ), which was properly filed with the Internal Revenue Service ( IRS ). 

XXXX was sent a copy of the XXXX as required, notifying them of the debt cancellation. 
3. Collection Efforts : Despite this discharge, XXXX has continued to send collection notices and demand payment, in direct violation of my rights as the debt holder and contrary to federal law regarding canceled debt. 

Complaint Details I believe XXXX actions are unlawful and in violation of the following : Fair Debt Collection Practices Act ( FDCPA ) : Prohibiting collection of debts that are no longer valid. 

Consumer protections under IRS regulations : A canceled debt documented by a 1099-C represents the permanent cessation of the obligation.

They also have violated my privacy rights by reporting to the credit bureaus under the Privacy Act of 1974. Under the Fair Credit Reporting Act It is illegal to report transaction history and they have reported all transactions regarding missed payments every month for the last 10 years. Transaction history is also a violation of my privacy ; it is considered non-public information under 15 USC sec 6809 ( 4 ).

These ongoing collection attempts have caused unnecessary stress and confusion and may constitute harassment.

Requested Action I request the CFPB to : 1. Investigate MoHELAs improper debt collection practices.

2. Require XXXX to cease all collection efforts on this discharged debt immediately.

3. Ensure XXXX updates its records to reflect the cancellation of this debt and remove it from my credit report. 

4. Provide any necessary penalties or corrective actions to ensure compliance with federal regulations. Make them pay me for one year of violating my privacy rights and being the reason I was denied credit for the past 10 years.

Supporting Documentation I have attached the following documents for your review : A copy of the 1099-C issued to discharge the debt. 

Any collection notices received after the discharge. 

Thank you for your attention to this matter. I trust the CFPB will take prompt action to address this issue. Please do not hesitate to contact me if additional information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX for Attempted Collection of Discharged Debt Dear CFPB, I am writing to formally file a complaint against the XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding its attempts to collect on a student loan debt that has been legally discharged. 

1. Loan Details : Loan Servicer : XXXX Account Number : XXXX Loan Type : Federal Student Loan XXXX. Discharge of Debt : On XX/XX/XXXX, I discharged the promissory note associated with the loan through a Form 1099-C ( Cancellation of Debt ), which was properly filed with the Internal Revenue Service ( IRS ). 

XXXX was sent a copy of the 1099-C as required, notifying them of the debt cancellation.

3. Collection Efforts : Despite this discharge, XXXX has continued to send collection notices and demand payment, in direct violation of my rights as the debt holder and contrary to federal law regarding canceled debt. 

Complaint Details I believe XXXX actions are unlawful and in violation of the following : Fair Debt Collection Practices Act ( FDCPA ) : Prohibiting collection of debts that are no longer valid. 

Consumer protections under IRS regulations : A canceled debt documented by a XXXX represents the permanent cessation of the obligation. 

They also have violated my privacy rights by reporting to the credit bureaus under the Privacy Act of 1974. Under the Fair Credit Reporting Act It is illegal to report transaction history and they have reported all transactions regarding missed payments every month for the last 10 years. Transaction history is also a violation of my privacy ; it is considered non-public information under 15 USC sec 6809 ( 4 ).

These ongoing collection attempts have caused unnecessary stress and confusion and may constitute harassment.

Requested Action I request the CFPB to : 1. Investigate XXXX  improper debt collection practices. 

2. Require XXXX to cease all collection efforts on this discharged debt immediately.

3. Ensure XXXX updates its records to reflect the cancellation of this debt and remove it from my credit report. 

4. Provide any necessary penalties or corrective actions to ensure compliance with federal regulations. Make them pay me for one year of violating my privacy rights and being the reason I was denied credit for the past 10 years.

Supporting Documentation I have attached the following documents for your review : A copy of the 1099-C issued to discharge the debt.

Any collection notices received after the discharge. 

Thank you for your attention to this matter. I trust the CFPB will take prompt action to address this issue. Please do not hesitate to contact me if additional information is required. 

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 explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
It all started with the company who is hiring me while they were doing my background check. XXXX of the items they wanted me to explain was a debt collection, and thats when I realized there was a mistake. The collector of the debt was " Transworld Systems Inc '' with the original creditor " XXXX XXXX ''. I contacted XXXX XXXX at the number XXXX and after XXXX attempts, I was transferred over to XXXX of the supervisors. They found my account through my SS. I live in XXXX Tx, the person who stole my identity to activate the account is in XXXX Tx. The address where the services were provided at is XXXX XXXX XXXX XXXX, XXXX Tx, XXXX, and the phone number they used to activate the Acct number XXXX was ( XXXX ) XXXX. They asked me to file a police report ( I did it last night ) and also a report with the FTC ( I was redirected to file the complaint with you ), in order for them to eliminate it from my report. These XXXX reports have to be sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I am a customer of SOFI Lending and for the past several months I have communicated with the company to notify them of a local grant I received to reduce my XXXX property tax payment. Time and time again they assured me that a correct property tax amount will be paid. It turned out they overpaid my property tax and did not do their due diligence by checking the latest tax bill balance, which can easily be found on a public website. 

I have provided them with pdf documents to show the latest bill balance and that information was being ignored. They overdrew my escrow balance and now I don't have enough to pay my XXXX insurance. The company refused to correct their mistake and over and over gave me incorrect information. 

I have screenshots of all my communications with them and happy to supply the supporting documents. I asked to talk to their manager and they refused to let me speak to management. I find their lack of transparency and access alarming and indicative of incompetent employees. 

As of today, XX/XX/XXXX, I checked my property tax online and the amount is still not paid. Soon, I will be incurring interest charges that were not in my control. 

I appreciate your help in getting this company to act ethically and more responsive to customers, who are trying to do the right thing -- paying their property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XXXX Transunion is XXXX false collections on my report Im a victim of XXXX XXXX XXXX and XXXX breach also XXXX Breach XXXX and XXXX data. XXXX  breach and the list of others I have an extended fraud alert for XXXX  years due the incompetence bureaus XXXX 's XXXX address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX You can also file a dispute with XXXX by phone at XXXX ( XXXX ) or online.

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 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This letter is an complaint of inaccurate information according to the fair credit report act section 609 A 1A i am required by federal law to verify through physical verification of the original sign contract any and all accounts that I pulled on the credit report I demand to see verified proof if been a validate remove from my account immediately please

Company response to consumer: Closed with explanation