vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-10-22 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: CO

Complaint narrative:
The alleged creditor XXXX XXXX XXXX XXXX is in violation of my federally protected rights. 

XXXX XXXX XXXX XXXX and its agents have been garnishing my wages and have not updated the balance thereby negatively affecting my credit score and causing me direct financial and mental issues. 
For example, the aforementioned company is reporting I have a balance of over {$5000.00} as can be seen in the photo from Experian Ive included in this complaint. 

XXXX XXXX XXXX XXXX has garnished my wages as such : AMOUNT-DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX As is plainly evident,XX/XX/XXXXXXXX, has had many opportunities to update my balance and they have not XXXX It was done purposely and willfully to harm my ability to obtain credit. 

According to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Therefore, I am seeking monetary relief in damages for each individual instance of negligence equaling the amount of {$7000.00}. 
In addition, XXXX XXXX XXXX XXXX, should cease and desist from reporting anything on my credit as they are not following the statues regarding credit reporting in 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 non-monetary relief
Consumer complaint received 2024-10-22 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: CO

Complaint narrative:
The alleged creditor XXXX XXXX XXXX XXXX is in violation of my federally protected rights. 

XXXX XXXX XXXX XXXX and its agents have been garnishing my wages and have not updated the balance thereby negatively affecting my credit score and causing me direct financial and mental issues. 
For example, the aforementioned company is reporting I have a balance of over {$5000.00} as can be seen in the photo from Experian Ive included in this complaint. 

XXXX XXXX XXXX XXXX has garnished my wages as such : AMOUNT-DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX As is plainly evident, XXXX XXXX XXXX XXXXXXXX, has had many opportunities to update my balance and they have not XXXX It was done purposely and willfully to harm my ability to obtain credit. 

According to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Therefore, I am seeking monetary relief in damages for each individual instance of negligence equaling the amount of {$7000.00}. 
In addition, XXXX XXXX XXXX XXXX, should cease and desist from reporting anything on my credit as they are not following the statues regarding credit reporting in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CO

Complaint narrative:
The alleged creditor XXXX XXXX XXXX XXXX is in violation of my federally protected rights. 

XXXX XXXX XXXX XXXX and its agents have been garnishing my wages and have not updated the balance thereby negatively affecting my XXXX XXXX and causing me direct financial and mental issues. 
For example, the aforementioned company is reporting I have a balance of over {$5000.00} as can be seen in the photo from Experian Ive included in this complaint. 

XXXX XXXX XXXX XXXX has garnished my wages as such : AMOUNT-DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX As is plainly evident, XXXX XXXX XXXX XXXXXXXX, has had many opportunities to update my balance and they have not XXXX It was done purposely and willfully to harm my ability to obtain credit. 

According to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Therefore, I am seeking monetary relief in damages for each individual instance of negligence equaling the amount of {$7000.00}. 
In addition, XXXX XXXX XXXX XXXX, should cease and desist from reporting anything on my credit as they are not following the statues regarding credit reporting in 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 2024-10-22 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information Reported by TransUnion To Whom It May Concern, I am writing to file a formal complaint against TransUnion for the inaccurate reporting of personal information on my credit report. TransUnion has listed addresses, names, and an employer that is incorrect and not affiliated with me in any way. 

Specifically, the following erroneous information has been reported : Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Name : XXXX XXXX ( I have never gone by this name. My legal name is XXXX XXXX. ) Employer : XXXX XXXX ( I have never been employed by this company. ) This reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. XXXX failure to maintain accurate records has harmed my credit report, and I demand that this erroneous information be corrected immediately. 

Further, according to Black 's Law Dictionary, " accuracy '' within the scope of credit reporting includes the duty of reporting agencies to ensure that the data they report reflects the true and correct information of the consumer. Failure to maintain accurate information may expose the agency to civil liability under the FCRA. 

Given the case of XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), it is clear that credit reporting agencies are obligated to conduct independent verification when there is a dispute regarding personal information, rather than relying solely on the furnisher. This misreporting demonstrates that TransUnion has not fulfilled its legal duty to ensure the accuracy of the information on my report. 

Please launch an investigation into this matter and ensure that the erroneous information is corrected immediately. Additionally, I request written confirmation of the actions taken to rectify this issue. Failure to comply may result in further legal action to enforce my rights under the FCRA. 

Thank you for your attention to this matter, and I expect a prompt response in accordance with FCRA guidelines. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer DOB : XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : A Auto Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), Installment Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), a Installment Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), a Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX , a Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The account is invalid. JP MORGAN CHASE BANK CARD SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: OR

Complaint narrative:
I am writing regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report. 

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
For the past 11 months I have been reaching out the bureau to remove inaccuracies through out my credit report and all lead to no progress. Its been months now and I dont believe have been treated fairly. Under 15 U.S. code 1681e ( b ) I have the right for all my information to be correct to it maximum correctness and should not be tormented with incorrect information. Furthermore these are the accounts that I have been constantly disputing month after month with every chance that I get : 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 Under 15 U.S. code 1681i Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. code s-2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am not under standing why these laws are not being abide by or actions or not being taken to change these measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing regarding unauthorized bankruptcy entries that have appeared on my consumer report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 4 ), I assert that these entries violate my consumer right to privacy, as my personal information was released without proper authorization.

I have confirmed that I am a victim of identity theft, and these bankruptcy entries are fraudulent. Under federal law, you are required to : 1. Remove unauthorized entries 2. Protect consumer privacy 3. Maintain accurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: CO

Complaint narrative:
Experian, XXXX, and XXXX are reporting information that I have not given them permission to. 
According to 15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization and I did not and will not give any creditor or credit reporting company the right to add negative information to my consumer report. 
I AM NOT ASKING ABOUT THE VERIFICATION OF THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ASKING EXPERIAN, XXXX, AND XXXX TO PROVIDE DOCUMENTATION THAT I HAVE GIVEN MY WRITTEN PERMISSION TO REPORT NEGATIVE ITEMS ABOUT MYSELF. 
According to law, if you can not provide this, you must cease and desist immediately

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 2024-10-22 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights- Under 15 USC 1681 section 602. It states I have the right to privacy. Under 15 USC 1681 section 604A section 2 - It also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666B a credit may not treat a payment on a credit card account under an open and consumer credit plan as for any purpose.

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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Collection agency name : Midland Credit Management INC Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Dear Midland Credit Management Inc I have recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct person and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement that I have signed with your company or the original creditor. 

In Accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information listed below : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 



Please cease and desist from collecting on this debt until you have provided validation of the debt. 



Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 


Permissible Purpose Please state your permissible purpose for accessing my credit information. 
I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my personal, good-faith request for relief to REMOVE these ITEMS, let this letter serve as a formal notice you knowingly reporting inaccurate, incomplete or unverifiable information regarding the items listed below. Here as listed ITEMS in error : The following ITEMS have not been validated and must be removed : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXXXXXX XXXX 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 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
The solution was I have to fly to XXXX to withdraw my funds, international transfer was not available. staff barely understand the request spend over 2 hours on the phone and did not manage to action the transfer

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