vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: TN

Complaint narrative:
To : XXXX  XXXX CC : TransUnion XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX URGENT DISPUTE FINAL DEMAND FOR IMMEDIATE REMOVAL OF INCORRECT CHARGE-OFF To Whom It May Concern, This is a formal demand for the immediate deletion of the following unlawfully reported charge-off from my credit report within XXXX XXXX : Creditor : XXXX  XXXX Balance : {$2300.00} Charge-Off Status ( Incorrectly Reported on My Credit Report ) This charge-off has been paid, settled, or otherwise resolved, meaning its continued presence on my credit file is a direct violation of federal law. 

LEGAL BASIS FOR REMOVAL 1. Violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX XXXX XXXX XXXX. 1681s-2 ( a ) ( 1 ) ( B ), furnishers are legally required to report only accurate and complete information. Since this charge-off is no longer due, its continued presence is a clear violation of federal law, and you are legally obligated to delete it immediately from all reporting bureaus. 

2. Attempted Double Jeopardy in Credit Reporting Fraudulent Reporting This account has been resolved, meaning any continued reporting of a balance or delinquency is fraudulent and could be considered attempted double jeopardy in credit reporting. Requiring me to pay again would be fraud, and your failure to correct this violates 15 U.S.C. 1681n, which subjects you to statutory damages, punitive damages, and legal fees for willful non-compliance. 

3. Willful and Negligent Non-Compliance 15 U.S.C. 1681n & 1681o Should XXXX XXXXXXXX, TransUnion, and XXXX fail to delete this charge-off within XXXX XXXX, I will : File an official complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Submit a fraud and identity theft report to the Federal Trade Commission ( FTC ). 
Initiate legal action against XXXX XXXX, TransUnion, and XXXX for FCRA violations, seeking damages and full removal of this charge-off. 

DEMAND FOR ACTION XXXX XXXX COMPLIANCE REQUIRED I hereby demand that XXXX XXXXXXXX, TransUnion, and XXXX : 1. Immediately delete this charge-off from my credit report. 
2. Cease and desist from reporting any inaccurate balance or delinquency. 
3. Provide written confirmation of deletion within XXXXXXXX XXXX 

Failure to comply will result in legal action without further notice. I strongly urge you to treat this matter with the highest urgency. ( be advised that FTC reports have already been filed because this issue has still not 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 explanation
Consumer complaint received 2025-02-19 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: TN

Complaint narrative:
To : XXXX XXXX CC : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX URGENT DISPUTE FINAL DEMAND FOR IMMEDIATE REMOVAL OF INCORRECT CHARGE-OFF To Whom It May Concern, This is a formal demand for the immediate deletion of the following unlawfully reported charge-off from my credit report within XXXX XXXX : Creditor : XXXX  XXXX Balance : {$2300.00} Charge-Off Status ( Incorrectly Reported on My Credit Report ) This charge-off has been paid, settled, or otherwise resolved, meaning its continued presence on my credit file is a direct violation of federal law. 

LEGAL BASIS FOR REMOVAL 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers are legally required to report only accurate and complete information. Since this charge-off is no longer due, its continued presence is a clear violation of federal law, and you are legally obligated to delete it immediately from all reporting bureaus. 

2. Attempted Double Jeopardy in Credit Reporting Fraudulent Reporting This account has been resolved, meaning any continued reporting of a balance or delinquency is fraudulent and could be considered attempted double jeopardy in credit reporting. Requiring me to pay again would be fraud, and your failure to correct this violates 15 U.S.C. 1681n, which subjects you to statutory damages, punitive damages, and legal fees for willful non-compliance. 

3. Willful and Negligent Non-Compliance 15 U.S.C. 1681n & 1681o Should XXXX  XXXX, XXXX, and Experian fail to delete this charge-off within XXXXXXXX XXXX, I will : File an official complaint with the Consumer Financial Protection Bureau XXXX CFPB ). 
Submit a fraud and identity theft report to the Federal Trade Commission ( FTC ). 
Initiate legal action against XXXX XXXX, XXXX, and Experian for FCRA violations, seeking damages and full removal of this charge-off. 

DEMAND FOR ACTION XXXX XXXX COMPLIANCE REQUIRED I hereby demand that XXXX  XXXX, XXXX, and Experian XXXX 1. Immediately delete this charge-off from my credit report. 
2. Cease and desist from reporting any inaccurate balance or delinquency. 
3. Provide written confirmation of deletion within XXXX XXXX. 

Failure to comply will result in legal action without further notice. I strongly urge you to treat this matter with the highest urgency. ( be advised that FTC reports have already been filed because this issue has still not 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-19 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and TransuniXXXX data breach.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
Due to several infractions on the behalf of XXXX XXXX customer service and service quality, I spoke with the representative in order to vacate my account with XXXX without paying the remaining balances on my phone and final bill total. I had an extensive list of dissatisfactory issues with XXXX due to their company poorly communicating from one department to the next, and the representative ( with reference numberXXXX ) acknowledged it was abnormal to continue to have to deal with as many inconveniences as a paying customer. The fact that I am having to file this complaint is a direct illustration to how poorly the communication is from one department to the next leading me to no longer want to be a XXXX customer. The representative you can hear in the recording agreed to eliminate my entire balance on my account of all my devices after I mailed in the XXXX XXXX. They sent me the return package and I mailed the watch almost immediately. Every time I call XXXX to gain information on the reference number that was affiliated with the closing of the account, I am constantly directed to only speak to a collections department, which they never attempt to assist me other than collecting a payment or my information.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-02-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I deposited a check from XXXX XXXX XXXX to cover a credit card payment due. USAA put a hold on that check and will not honor it for FIFTEEN days. Meanwhile, they bounced my XXXX payment. I asked them to release the hold. They will not. I asked them to cancel the deposit so that I could either re-deposit or pay the CC with my other checking account. They will not. I am held hostage and they are holding MY money.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

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 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Dear CFPB, I am filing this complaint against Nelnet, my federal student loan servicer, for incorrectly reporting my loan as XXXX XXXX delinquent without providing proper notice. 

My student loans were previously serviced by XXXX XXXX but were transferred to Nelnet without any notification to me. I never received any emails, letters, or phone calls from Nelnet regarding my loan transfer or repayment obligations. The first email I ever received from Nelnet was on XX/XX/XXXX, when I created an account to make a payment in full out of goodwill to keep the account current. 

I only became aware of this issue when I noticed a significant drop in my credit score on XX/XX/XXXX and checked my credit report. Upon calling Nelnet for clarification on XX/XX/XXXX, I was told that they had emailed me and that it was " the borrowers responsibility to keep up with their loans. '' However, I never received any formal letter regarding my transferred loan or past-due balance, nor did I receive a voicemail or a direct phone call informing me of the issue. Nelnets claim that an automated call was made without leaving a voicemail further raises concerns about the legitimacy and adequacy of their outreach attempts. 

Additionally, Nelnet failed to follow standard credit reporting procedures by skipping the required XXXX and XXXX delinquency reporting and immediately marking my account as XXXX XXXX late. This is inaccurate and unfair reporting, as I was never given the opportunity to address the issue before it severely impacted my credit. Nelnet is a separate company from XXXX, yet they claim I was automatically opted into email notifications based on a preference with my previous servicer. They never directly confirmed or verified my preferred communication method with me. 

Because Nelnet failed to properly notify me of my transferred loan and past-due balance before reporting me delinquent, I am requesting that the XXXX late payment be removed from my credit report. Their lack of direct outreach, failure to follow proper reporting guidelines, and inadequate notification process constitute unfair and misleading servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
Experian has failed to properly investigate the inaccuracies on my credit report. 

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies ( CRAs ) must follow reasonable procedures to ensure the maximum possible accuracy of the information in your credit report.

If they fail to do so, they can be held liable for negligence ( 15 U.S.C. 1681o ) or willful noncompliance ( 15 U.S.C. 1681n ).

15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information If you dispute any information, the CRA must reinvestigate within 30 days and delete or correct any inaccurate, incomplete, or unverifiable data.

15 U.S.C. 1681s-2 ( a ) Responsibilities of Furnishers The creditors ( furnishers ) reporting information must provide only accurate and complete data to the CRAs. 

If they provide false or outdated information, they are in violation of the FCRA.

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 2025-02-19 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation
State: DE

Complaint narrative:
NCC sent me a letter saying I owed a debt for a doctor bill for XXXX on XXXX.I called and tried to explain that I had no knowledge of this debt and that there are no contractual arrangements that I signed agree to pay this debt.They didnt want to hear that.I have not signed anything agreeing that I will pay this debt or that it belongs to me.Reference number XXXX

Company response to consumer: Closed with explanation