vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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:
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-03 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:
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-03 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: NH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-03 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: FL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

I looked at my Equifax credit report on XX/XX/XXXX a

nd notice 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) for Account # XXXXXXXX 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against TransUnion for their refusal to conduct a reasonable investigation into inaccuracies on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XXXX XXXX XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ), disputing inaccurate and derogatory information on my credit report, including a bankruptcy record and incorrect personal information. The bankruptcy in question reports discrepancies, as it lists an incorrect court name, reference number, and filing date. This incomplete and inaccurate reporting has negatively impacted my creditworthiness. 
To verify my identity and comply with FCRA guidelines, I enclosed copies of my driver 's license, Social Security card, and proof of address with the dispute letter. Despite providing the required information, TransUnion refused to conduct an investigation. On XXXX XXXX XXXX I received a response from TransUnion stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The FCRA clearly grants consumers the right to dispute inaccurate information on their credit reports, and TransUnion 's refusal to investigate violates this right.

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 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am a class member of the XXXXXXXX XXXX XXXXXXXX lawsuit and received 100 % discharge due to the settlement of the lawsuit. Only part of the loans have been discharged yet when I review my account on Studentaid.gov, it states that my discharge is complete. I have reached out both to my servicer Nelnet ( whose reps are amazing but have access to only a very limited amount of information ), they tell me to reach out to studentaid.gov. When I reach out to studentaid.gov, the reps ( who are almost as good as Nelnet but also have very little access to necessary information ), tell me to reach out to Nelnet. I am getting very frustrated with the fact that neither one has any information, can not tell me what is happening with the discharge of the loans, and keep referring me to the other entity. While I do not want to disparage any of the reps, the handling of this mess is leaving me very bitter as I want an update on what is exactly happening. I am tired of being told to just be patient as my patience has run very thin. I would like the Department of Education to provide the necessary information to Nelnet so that I can ascertain where my loan stands and take necessary steps regarding the suit if needed. I have been calling nearly every week and still have not received my full discharge, my full refund, or any information as to where my account presently stands. I had recently made a complaint to studentaid.gov re their procedure and was bounced back to Nelnet even though the complaint was not about Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NCB Management Services Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2024 To : NCB Management Services , Inc. XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request NCB File # XXXX Dear Sir/Madam, I am writing in response to your letter regarding the account referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with XXXX reporting standards, I am requesting validation of the debt you claim I owe. Please provide the following information : Proof of the debt : The name and address of the original creditor, along with a detailed account statement reflecting how the amount of {$2200.00} was calculated. 
Proof of your authority : Documentation proving that NCB Management Services , Inc. has been assigned or purchased the right to collect this debt.

Validation of my responsibility : Any signed agreements or documentation proving that I am liable for the alleged debt.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is your legal obligation to ensure all reported information is truthful, verifiable, and accurate.

I formally request the following actions : Immediate removal of the erroneous account from my credit report. 
Written confirmation that this account has been removed and that your reporting now complies with all XXXX standards. 
Until you provide the requested validation, I will not make any payments or accept responsibility for this debt. Please also note that any attempt to report inaccurate or unvalidated information to credit reporting agencies may constitute a violation of the FCRA and XXXX-compliant reporting standards. 
Furthermore, I request that you cease all communication with me about this matter except for providing the requested documentation or notifying me of specific actions being taken, as required by law. 
Please send all correspondence to the address listed above. I will await your response before considering any resolution or payment options. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is information on my credit report about myself that is incorrect, including my name, address, and employer info. The names XXXX, XXXX and XXXX, XXXXXXXX XXXX are not my name. I have also never resided in these addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For my employer, there is no employer listed, which is incorrect. Their presence fails to meet the requirements under 15 USC 1681e ( b ) to ensure maximum possible accuracy in credit reporting. I'm asking for this incorrect information to be removed and fixed right away, as required by laws. My correct name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my employer information is XXXXXXXX XXXX Failure to comply constitutes willful noncompliance under 16 USC 1681n, allowing statutory damages of up to {$1000.00} per violation, plus punitive damages.

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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Ive been apart of two or three breaches and my email and social is all over the black market. Ive tried to dispute but nothing is working. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
I recently reviewed my credit file and found mistakes in the reporting of several accounts. These errors are having a negative impact on my credit score, which feels completely unfair.

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 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is the second time I have made this complaint because they have not responded. I am attaching the authorization that Wells Fargo Bank asked me for so that they can speak with an attorney who is helping me with this problem. It has been more than 60 days and they have not responded to the attorney. I am attaching the authorization by this means and if they do not respond in seven days after receiving this notification I will be filing a lawsuit for a case under XXXX XXXX dollars in the XXXX XXXX of XXXX XXXX. 


On XXXX XXXX XXXX, I went to the Well Fargo bank ATM located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and made a deposit for {$900.00} and left the card at the ATM. When this happens, the cashier waits a few seconds and if they do not remove the card, the same cashier inserts it, in fact, it has happened to me other times. Within an hour I realized that I didn't have the card and called the bank immediately to cancel the card and no transactions appeared after forgetting it at the ATM. On XX/XX/XXXX, several transactions made with the card for XXXX, XXXX, XXXX appeared in the account. Call the bank and the bank refunded the money for all the transactions. On XXXX XXXX XXXX I saw in the account XXXX more transactions with the same card canceled for XXXX and XXXX made at the XXXX XXXX XXXX, immediately call the bank and make the claim. 60 days have passed and the bank has not wanted to give me the temporary credit and now they are telling me that they will not refund me anything because the XXXX XXXX store denied the claim. I mean XXXX days after canceling the card they carry out these transactions and I ask how they authorized them if the card had been canceled XXXX days ago.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XX/XX/year> I had a student refund disbursement for {$3900.00} issues to me. I had it direct deposit to current bank however the account number was incorrect and the funds were deposited into another account. When current Bank was contacted about the funds they refused to return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
There has been over {$5700.00} of debt added to my credit account. I never signed any documentation with this debit tour or any agreement stating that I would pay this amount of debt there is interest occurring on this debt every single month and it is continuously going up theres no proof of where this debt is coming from. I also have requested this information from the company within 30 days and they never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which always maintained timely payments .Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following account [ Usaa ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof. I demand that these payments be promptly updated to reflect their true status as on -time, as I have consistently upheld my payment obligations without delay.

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 2025-01-03 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: AZ

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MN

Complaint narrative:
This is a follow up complaint against Security Credit Services. The previous response was they sold the debt and are no longer involved in the accounts held against me. No matter if they sold the debt, Security Credit Services continues reporting inaccurate and non-compliant accounts that violate the FDCPA and my rights under Congress law. " Closed '' accounts on my credit report is non-compliance to me. These two accounts need to be deleted by Security Credit Services immediately from all credit bureau data bases. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you may be liable for your willful non-compliance. More case law of non-compliance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my final goodwill attempt to clear this up. If Security Credit Services can't provide me with a contact bearing my signature showing a contractual obligation to them, they must delete immediately. If this issue isn't cleared up in 30 days, my lawyer and I will see them in court to collect for violations against the FDCPA.

Company response to consumer: Closed with explanation