vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: KY

Complaint narrative:
XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute and Demand for Removal of Late Payments from My Credit Report Account Number : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the late payments reported by XXXX XXXX XXXX  ] on my credit report with TransUnion. I have been disputing this matter through the CFPB, and while I have received a report indicating that the information has been verified, I have not received any proof or detailed documentation supporting this verification. This lack of response, coupled with the lack of evidence, is a clear violation of my rights as a consumer. 
The late payments in question are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, consumers have the right to a thorough investigation into reported information and to receive clear documentation supporting the accuracy of the late payments. However, TransUnion has not complied with these requirements, sending me only a credit report with no proof of the investigation conducted. This is not only a violation of the law but also a violation of my right to privacy and to accuracy in my credit report. 

Additionally, I already sent a formal letter to XXXX XXXX  on XX/XX/XXXX, requesting the removal of these late payments due to the lack of evidence. I have not received any response within the time frame stipulated by law. This lack of response from the creditor further reinforces the lack of validity of the reported late payments. 
Under the FCRA, if the accuracy of the information on my credit report can not be verified, it must be removed. Therefore, I demand the immediate removal of these late payments reported by [ XXXX XXXX ] and the updating of my credit report to reflect accurate and positive information. 

If TransUnion can not provide evidence of the accuracy of this information or does not conduct a proper investigation, I will be forced to take further legal actions, including formal complaints with the FTC and the CFPB, which have already been filed. 

I expect a prompt resolution of this matter. If this issue is not resolved immediately and in accordance with the law, I will proceed with the appropriate actions to enforce my rights. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Last XXXX SSN : XXXX Enclosures : Copy of the letter sent to [ Name of Bank or Provider ] Copy of the credit report showing inaccurate late payments Copy of the complaint filed with the FTC Let me know if you need any further adjustments.

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 2025-01-29 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: VA

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Credit Reporting Practices of XXXX, TransUnion, and XXXX Dear Sir/Madam, I am writing to formally submit a complaint regarding the handling of my First Progress Credit Card account by the credit reporting agencies : XXXX, TransUnion, and XXXX. Despite ongoing concerns regarding their compliance with the Fair Credit Reporting Act ( FCRA ), I have observed persistent and detrimental practices affecting my credit report. 

My First Progress account has always been in immaculate condition, with no late payments. According to regulations, this account should remain on my credit file for 7 to 10 years. However, I noticed that my account, which was marked as Paid/Closed/Never Late on XX/XX/XXXX, was deleted from my credit report on the same day by XXXX. Additionally, TransUnion removed my account between XX/XX/XXXX, and XX/XX/XXXX, and XXXX removed my account between XX/XX/XXXX, and XX/XX/XXXX. These deletions are not only unjustified but also erroneous, as they misrepresent my credit history. 

I am also attaching a statement letter from XXXX XXXX, which confirms that they are reporting my account accurately. It is evident that it falls upon the credit reporting agencies to ensure that the reported details are correct. The failure of XXXX, TransUnion, and XXXX to properly investigate my disputes and rectify the inaccuracies in my credit reports is deeply concerning and undermines the purpose of the FCRA, negatively impacting my creditworthiness. 

I urge both the CFPB and the FTC to take immediate action against these agencies for their ongoing violations and to ensure that my credit report accurately reflects the status of my First Progress account. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and assistance. 

Sincerely,

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 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
I paid my loan ahead of time ( {$450.00} in XX/XX/XXXX ), and received confirmation that it was processing. Then, when I logged in the next month, I found out that the payment was reversed. I was never notified of the reversal. I tried again this month to pay ( {$1000.00} in XX/XX/XXXX ), and once again the payment was reversed with no notification. When I called, they claimed that it was due to " insufficient funds '' in my account, which is incorrect as I have plenty more in my account than I tried to pay with. The customer service representative kept saying it was due to insufficient funds and was not able to provide me with any other option than to call my bank. I called my bank and they said they never received the request, either time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
this account is marked as a charged off as a bad debt / profit and loss write off on my credit report between XX/XX/year> and XXXX XXXX i would like the remark removed. 
There is a debt collector attempting to collect a misrepresented debt. i also never gave permission to the original creditor to share my estate name information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt can not be transferred or it is fraud predatory solicitations malfeasance. 

I am not disputing the charge-off ; however, I would like to ensure I have all necessary information for my records and for proper accounting. 

Specifically, I request the following details : Date of Delinquency : The specific date when the account became delinquent. 
Date of Charge-Off : The exact date the charge-off was recorded.

Last Payment Date : The date of the last payment made on the account.

Accounting Information : Any documentation or details related to the accounting of this charge-off, as outlined in UCC 9. 
Additionally, I would appreciate any information relevant to preparing a XXXX form and any other forms relevant, as this will assist me in ensuring compliance with tax obligations. 
Also i need to know how much was charged off. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX Card Date Opened XX/XX/XXXX Balance {$11000.00} Capital One Date Opened XX/XX/XXXX Balance {$6200.00} **Inquiries** XXXX ( Finance ) XX/XX/XXXX 2024

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX about a XXXX XXXX bill that was not on my credit report. I was told they were the collection company for XXXX XXXX. I asked to a pay for deletion or zero balance letter and I was told that they don't offer that. I was told the only option was to pay the bill in full. Yet after speaking with many other they told me they had the same company and they were able to get a settlement offer. The account was from a few years ago so I'm sure it was written out so I should have got a XXXX schedule for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - {$6700.00} XXXX  - XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal 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 non-monetary relief
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XXXX  XXXX - {$6700.00} XXXXXXXX XXXX  XXXX - {$0.00} Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-01-29 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: TX

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about XXXX failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX  - XXXX - {$6700.00} XXXX  - XXXX - {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA 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 2025-01-29 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 XXXX XXXX XXXX ] [ XXXX XXXX XXXX, Apt XXXX ] [ XXXX Texas XXXX ] [ XX/XX/year> ] Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with [ XXXX ], this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice Dear West Lake XXXX, I am writing to formally demand that you immediately cease and desist from contacting me and threatening me. This action constitutes a violation of my rights. 

Specifically, You are hereby notified that this conduct is infringing upon my rights, intellectual property, or other legal claims and it must stop immediately. 

If you do not cease and desist from these actions within 10 days of this notice I will have no choice but to pursue legal remedies, including but not limited to filing a lawsuit, seeking damages, etc. 

Please consider this letter as a final warning. I expect your immediate compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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