vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department XXXX I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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 2025-01-13 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Department TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information.

Sincerely, XXXX XXXX XXXX XXXX  15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diverse Funding Associates LLC
State: NV

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their debt collection practices, which I believe are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Nevada state laws. 

Background : Alleged Prior Contact : XXXX XXXX XXXX  claims to have contacted me in XX/XX/XXXX ; however, I did not receive any communicationneither a call nor a letterduring that time. My first interaction with them was in XX/XX/XXXX, when I settled a previous debt. 

Lack of Written Notice : Under the FDCPA, debt collectors are required to send a written notice of the debt within five days after the initial communication. XXXX XXXX XXXX failed to provide such notice, which constitutes a violation of federal law. 

Delayed Legal Documentation : A court order dated XX/XX/XXXX, was sent via XXXX, with the envelope postmarked XX/XX/XXXX. Considering we reside in the same county, this delay appears intentional, potentially to limit my response time. 

Inconsistent Service Methods : Previously, XXXX XXXX XXXX delivered court documents in person through a process server. This time, no such attempt was made, indicating a deviation from standard procedures. 

Intent to Garnish Bank Account : I received a letter from the XXXX 's XXXX, XXXX XXXX, referencing Case # XXXX, indicating a debt amount of {$7800.00}, with a judgment entered for {$8000.00}. The letter states their intent to garnish my bank account, causing significant distress. 

Personal Circumstances : XXXX XXXX  : I have been diagnosed with severe XXXX since XXXX. 

Recent XXXX : I was involved in a car accident ( not at fault ), resulting in moderate injuries and the total loss of my vehicle. 

Financial Hardship : I am currently unemployed with no consistent income. 

Violations and Concerns : FDCPA Violations : XXXX XXXX XXXXXXXX XXXX  failure to provide timely written notice and their intent to proceed with garnishment despite my financial hardship may constitute violations of the FDCPA. 

XXXX XXXX XXXX Violations : Their actions may also infringe upon XXXX XXXX debt collection laws, which prohibit abusive and deceptive practices. 

Request for Relief : I respectfully request the CFPB to investigate XXXX XXXX XXXXXXXX XXXX  practices concerning my case. Specifically, I seek : Immediate Suspension of Garnishment Actions : To prevent further financial hardship. 

Compliance Review : To ensure XXXX XXXX XXXX adheres to both federal and state debt collection laws. 

Formal Acknowledgment : Of my current financial and health circumstances, with appropriate adjustments to any collection activities.

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
This complaint is based on Federal Regulation Z compliance. 

I gave a resort hotel my credit card to " hold '' as a security deposit. Nothing was supposed to be charged. After attending various seminars sponsored by the resort, I was given a certificate for a credit toward the hotel cost. Upon presenting the certificate at check out, the hotel charged {$2.00} after application of the resort credits. I signed for the {$2.00} and left. 

When I received the bill, the hotel charged {$1000.00} but I did not authorize the charge. I did not sign for the charge. I filed a chargeback with the credit card company, AMEX. The credit card company did not communicate with me about the chargeback, but closed the matter. The hotel did not produce a signed receipt or any other evidence demonstrating I had authorized any charge except {$2.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX unauthorized transactions {$610.00} and XXXX, totaling {$920.00}, were withdrawn from my account and transferred to XXXX XXXX. The funds were then used to purchase XXXX, which I was unaware of until I reviewed my transaction log on XX/XX/XXXX. Upon discovering the charges, I immediately contacted my bank to dispute the transactions, and they initiated an investigation. After approximately 10 days, I reached out to Discover 's Fraud Department and was informed that the case had already been closed. The reason given was that the merchant provided proof supporting the accuracy of the transaction, which I believe is incorrect. I informed the representative that I had additional evidence to support my claim, including documentation of unauthorized withdrawals from my account into XXXX XXXX and XXXX purchases. However, the representative declined to consider this evidence and decided to close the case. 

I believe my dispute was not thoroughly investigated, as no one from the fraud department reached out to me to verify the accuracy of my statement or to review the additional evidence I could provide. I respectfully request that my case be reopened, thoroughly investigated, and that a refund be issued to my account. 

On XX/XX/XXXX, XXXX unauthorized transactions, totaling {$930.00}, were withdrawn from my account and transferred to XXXX XXXX. The funds were then used to purchase XXXX, which I was unaware of until I reviewed my transaction log on XX/XX/XXXX. Upon discovering the charges, I immediately contacted my bank to dispute the transactions, and they initiated an investigation. After approximately 10 days, I reached out to Discover 's Fraud Department and was informed that the case had already been closed. The reason given was that the merchant provided proof supporting the accuracy of the transaction, which I believe is incorrect. I informed the representative that I had additional evidence to support my claim, including documentation of unauthorized withdrawals from my account into XXXX XXXX and XXXX purchases. However, the representative declined to consider this evidence and decided to close the case. 

I believe my dispute was not thoroughly investigated, as no one from the fraud department reached out to me to verify the accuracy of my statement or to review the additional evidence I could provide. I respectfully request that my case be reopened, thoroughly investigated, and that a refund be issued to my account. 


P.S. I have screenshots of withdrawals from my XXXX accounts on XX/XX/XXXX that were made without my authorization and were used to transfer XXXX  to multiple users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-13 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Department TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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 2025-01-13 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Department TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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 2025-01-13 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: TX

Complaint narrative:
XXXX shared a false claim to Trans Union, XXXX and XXXX XXXX XXXX companies that there was a late payment of {$790.00}, when in fact they XXXX, made a mistake in there portal resulting in {$1.00} being received 29 days after being due. There were no late fees added to my account. Theses credit services then violated the Fair credit reporting Act by reporting my credit information without my permission. I have not authorized them to collect, maintain, or report my credit information, and I requested they remove my credit from their database.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-13 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:
1. Inaccurate Payment History The following account is inaccurately reporting late payments, which I have never made. Please verify and correct the payment history : XXXX XXXX XXXX XXXX XXXX XXXXt # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S. Code 1681i ( a ), I am requesting that you investigate this matter and correct or remove any inaccurate payment history information. As part of this investigation, please provide me with documentation verifying the accuracy of this accounts payment history. 

Accounts That Are Not Mine : XXXXXXXX XXXX XXXX Acct # : XXXX Under 15 U.S. Code 1681b, only accounts that are verifiable and authorized by me should be reported. Since these accounts are not mine, I am requesting their immediate removal. As part of your investigation, please provide documentation proving that I opened or authorized these accounts. If you are unable to do so, these items must be deleted from my credit report as required by 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 explanation