vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
I start disputing it in XXXX the original creditor was XXXX  in which I paid off debt they I am assuming sold it to NCB credit management and are now listed as original creditor for the amount of {$3700.00}. This debt had been paid never should have been reported as late as needs to be removed immediately because its basically fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
I am writing to dispute the collection account reported by XXXX in the amount of {$2300.00}. I am requesting the immediate removal of this account from my credit report for the following reasons : 1. Violation of 15 U.S.C. 1692c Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), a debt collector must cease all communication with a consumer if the consumer notifies the collector in writing that they refuse to pay the debt. I previously notified XXXX in writing that I refuse to pay the alleged debt, and despite this notification, they continued to report the account to credit bureaus and engage in activities that constitute communication. 

This is a clear violation of federal law. The ongoing reporting of this account constitutes indirect communication, as it continues to cause harm to my financial standing and credit reputation.

2. Failure to Cease Communication By continuing to report this collection account to credit bureaus after being notified of my refusal to pay, XXXX has failed to comply with their legal obligation to cease all communication. This ongoing violation underscores their disregard for consumer rights as established under the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
Filed a dispute with Transunion XX/XX/XXXX and it closed on XX/XX/XXXX. This was a RE-INVESTIGATION and should have followed procedures regarding FCRA 611. 

I disputed the balance, the ownership of re-opening of this account, the constant re-aging of the account, the balance update of this account. The documents I have attached are the same ones I submitted to Transunion on XX/XX/XXXX. 

******Request for description and documents of re-investigation procedure in regard to FCRA 611 ( 7 ) **********15 DAY LEAD TIME*********************************** *******************THIS IS TO BE A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION USED TO OBTAIN RESULTS******** 1. How did Transunion verify the reopening of a closed-end loan more than 5 years after I was closed?

2. How did Transunion verify I was the responsible party for the re-opening of this account?

3. How did Transunion justify the re-opening of a closed end account to begin with?

4. How did Transunion verify the balance due on this account with ( a ) no payment amount, ( b ) no APR indicated, or ( c ) number of payments made. There was no payment history provided at all other then paid bi-weekly for 43 months in regards to terms.

5. How did Transunion verify the charge-off status of this account that was added XX/XX/XXXX when this account was closed off in XX/XX/XXXX? 

6. How did Transunion verify the re-aging of this account 's status update and balance update every month when nothing has changed?

7. How did Transunion verify the the re-insertion of this account onto my credit report? Where is the certification of accuracy? 

Please explain the process with documents that where used for each and every item disputed. If Transunion is unable to provide complete and accurate description of the investigative procedure then this account is to be DELETED as per FCRA.

I personally believe that Transunion did no reinvestigation of such and just passed it threw as " Verified as Accurate '' even after Transunion has deleted another one of my accounts with XXXX due to fraud/inaccurate information. 

I have filed this with the CFPB due to fact that if it does not go through the CFPB the procedural guidelines are never followed. 


XXXX*****REMEMBER ALL INFORMATION IS TO BE COMPLETE, ACCURATE, ************************************AND VERIFIABLE*************************************

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: NY

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: NY

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: WA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: WA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
I am writing to dispute the collection account reported by XXXX XXXX XXXX in the amount of {$2400.00}, last reported on XX/XX/year>. I am requesting the immediate removal of this account, along with the original creditor 's information, from my credit report for the following reasons : 1. Violation of 15 U.S.C. 1692c Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), a debt collector must cease all communication with a consumer if the consumer notifies the collector in writing that they refuse to pay the debt. I previously notified XXXX XXXX XXXX in writing that I refuse to pay the alleged debt. Despite this notification, XXXX XXXX XXXX has continued to report the account to credit bureaus, constituting indirect communication that violates the law. 

The continued reporting of this collection account and the association of the original creditor information on my credit report represents a clear failure by XXXX XXXX XXXX to comply with the FDCPA. 

XXXX. Failure to Cease Communication Despite my written notice, XXXX XXXX XXXX has engaged in ongoing communication by reporting this account to credit bureaus. This indirect communication has caused undue harm to my credit profile and financial standing, in direct violation of my rights under 15 U.S.C. 1692c ( c ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: IL

Complaint narrative:
I helped a friend pay their internet bill in XXXX and in XXXX i found out that XXXX had automatically taken money out of my account on XX/XX/XXXX and XX/XX/XXXX but were not authorized to do so. I contacted Direct Express to make sure this did not happen again so they sent me a new card which i asked them to expedite to me. The customer service agent told me to fax or email a letter to the Dispute Resolution Dept with the information about the unauthorized transactions ( I sent the email on XX/XX/XXXX ) and i would receive a refund in 10 business days after they receive my info. So i emailed the information. I recieved my new XXXX XXXX in 3 days and activated it with no problem. after the 10 days I called over and over with many calls being dropped after holding for almost XXXX hours and finally reached someone who then asked for the email address and phone # on file. I gave her the same email address and phone # i have been giving and was told they were not the original ones on file. I told her no one else has had a problem with my info except her. The email and phone numbers i had in XXXX have changed over the years. Government phones break and when phone numbers change sometimes you cant get into your email account if you need the old # to verify it but this person was a real jerk and even though i could tell her what my old phone # and email were and gave her all the correct answers like my address and my mothers maiden name, my card was locked. 
So then they asked me to send a valid ID and when i did they said it was expired but it was not so i sent it in again. Then, they said they could not validate my account and to go to the SS XXXX. 
I sent ID XXXX, XXXX ) all denied!!! 
I have had no access to my money since XXXX and they never did process my refund from the unauthorized transactions. This has never happened to me as i have never had any problems with any other customer service people. I blame the customer service agent for escalating this improperly but what is the problem with the ID. I sent a XXXX picture of it front and back like they asked and still my card is locked. 
I found an attorney to handle my case but im hoping this can get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scammed by someone in XXXX  in XX/XX/year> for about {$550.00} and I told them I didnt know who used my card, they denied my claim without a letter for the reason or any proof associated the denial. The Id used to verify my account was an expired id and it didnt even have my address! This is a complete miscount and I am suffering from hardship due to bank of americas frivolous denials and poor investigators.

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 monetary relief
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
I request that they thoroughly investigate this issue and remove or correct any inaccuracies. As required by the Fair Credit Reporting Act ( FCRA ), I expect a full investigation into this matter within 30 days of receipt of this letter, and I ask that any incorrect or improper information be deleted or amended accordingly. Although they have not have responded in an adequate matter, they need to properly investigate as per law. My resolution to this is if the items being disputed is if the items are not verifiable or is inaccurate please DELETE. My credit report has to be reported accurate per 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 2024-12-23 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: AP

Complaint narrative:
According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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