vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
a company called XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and Transunion for unpaid bills ( {$3900.00} ), this amount now increased to {$4500.00}. I sent in a detailed letter with all my supporting evidence to these two bureaus only to be told that XXXX said that the account is valid. I asked for proof and explanation from this company only to be told by XXXX and Transunion that they only asked the company for a response. these two bureaus said they accepted what they are being told by this company. So XXXX and Transunion did no investigation, asked for evidence, proof and documents to back this company account validation claim. I was told by XXXX and Transunion that they abide with the company response. 
I made several disputes with XXXX and Transunion between XXXXXXXX XXXX XXXX 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 2024-09-26 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-27 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:
Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 



XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX

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 2024-09-26 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: IL

Complaint narrative:
I have a worldwide fraud alert on my report there has been numerous inquires on my report. I've made police reports, still there has been no results so now I'm filing a compliant to get this matter resolved. the the following : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Full Name : XXXX XXXX XXXX XXXX : Company Name : Midland Credit Management Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone Number : XXXX Subject : Complaint Midland Credit Management for Violating Consumer Protection Laws Date of Incident : XX/XX/year> Type of Debt : Credit Card Amount in Dispute : {$3500.00} Complaint Narrative : I am filing this complaint against Midland Credit Management for engaging in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ) in relation to the debt they are attempting to collect from me. 

FDCPA Violations : Harassment and Abusive Practices : Midland Credit Management has continuously contacted me using aggressive and harassing tactics. The representatives have called me multiple times per day, and on some occasions, have used abusive language and threats of legal action. These actions violate Section 806 of the FDCPA, which prohibits harassment and abuse by debt collectors.

Failure to Validate Debt : Under Section 809 ( b ) of the FDCPA, I requested written validation of the debt from Midland Credit Management, but they have failed to provide the necessary documentation within the required time frame. Despite this, they have continued their collection efforts, which is a direct violation of my rights under the law. 

Misrepresentation and Deceptive Practices : Midland Credit Management has misrepresented the amount of the debt and threatened legal action that they are not legally entitled to pursue, violating Section 807 of the FDCPA. This has caused undue stress and confusion, as I believe the debt is not mine.

Contacting Me After Being Informed of Attorney Representation : I informed Midland Credit Management that I am represented by an attorney regarding this matter, yet they continued to contact me directly. This violates Section 805 of the FDCPA, which forbids direct communication with a consumer when they are represented by legal counsel. 

FCRA Violations : Reporting Inaccurate Information : Midland Credit Management has reported incorrect and inaccurate information to credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, the amount owed, the date of default, and other critical information have been reported inaccurately, which has negatively affected my credit score.

Failure to Investigate Dispute : I disputed the information provided to credit bureaus regarding this debt, but Midland Credit Management failed to properly investigate or correct the inaccuracies in a timely manner, as required under Section 611 of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( Original creditor : : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), i c system has violated my rights I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA is trying to charge me a {$25.00} late fee for a credit card. My understanding is the maximum that can be charged is {$8.00}. 

I saw this late fee today when I logged into my account, which is XX/XX/year>.

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 2024-09-27 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: FL

Complaint narrative:
I demand deletions of these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am victim of XXXX XXXX XXXX and have filed an FTC Report XXXX My personal information is and has been compromised and been suffering due to this breach. It is clear accounts are linked to fraudulent activity. 
According to 15 U.S. Code 1681c-2 Blocking of information resulting from fraudulent theft, this should be down within 4 business days. The law mandates this information be removed quickly! I have attached my FTC Report 15 U.S Code 1681 ( a ) fair and accurate reporting and credit reporting system must be responsible for ensuring accuracy and privacy of consumer information!

15 U.S. Code 1681 ( b ) FCRA places burden on credit reporting agencies to protect consumer rights, including safeguarding data and taking necessary steps to ensure accuracy on consumer report Also XXXX XXXX has been removed from XXXX, this account has been inaccurate and unverifiable and you TransUnion need to also remove the account 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Inaccurate and or unverifiable information must be deleted across all credit reporting agencies XXXX XXXX and XXXX XXXX from XX/XX/2023 we not authorized inquiries 15 U.S. Code 1681b ( a ) ( 2 )

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 2024-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
Full Name : XXXX XXXX XXXX XXXX : Company Name : Discover Bank Address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone Number : XXXX Subject : Complaint Against Discover Bank for Violating Consumer Protection Laws Date of Incident : XX/XX/XXXX  Type of Debt : Credit Card Amount in Dispute : {$6400.00} Complaint Narrative : I am filing this complaint against Discover Bank for engaging in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ) in relation to the debt they are attempting to collect from me. 

FDCPA Violations : Harassment and Abusive Practices : Discover Bank has continuously contacted me using aggressive and harassing tactics. The representatives have called me multiple times per day, and on some occasions, have used abusive language and threats of legal action. These actions violate Section 806 of the FDCPA, which prohibits harassment and abuse by debt collectors.

Failure to Validate Debt : Under Section 809 ( b ) of the FDCPA, I requested written validation of the debt from XXXX XXXX XXXX, but they have failed to provide the necessary documentation within the required time frame. Despite this, they have continued their collection efforts, which is a direct violation of my rights under the law. 

Misrepresentation and Deceptive Practices : Discover Bank has misrepresented the amount of the debt and threatened legal action that they are not legally entitled to pursue, violating Section 807 of the FDCPA. This has caused undue stress and confusion, as I believe the debt amount is incorrect.

Contacting Me After Being Informed of Attorney Representation : I informed Discover Bank that I am represented by an attorney regarding this matter, yet they continued to contact me directly. This violates Section 805 of the FDCPA, which forbids direct communication with a consumer when they are represented by legal counsel. 

FCRA Violations : Reporting Inaccurate Information : Discover Bank has reported incorrect and inaccurate information to credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, the amount owed, the date of default, and other critical information have been reported inaccurately, which has negatively affected my credit score. 

Failure to Investigate Dispute : I disputed the information provided to credit bureaus regarding this debt, but Discover Bank failed to properly investigate or correct the inaccuracies in a timely manner, as required under Section 611 of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-26 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: MS

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

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 2024-09-26 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:
Dear Sir/Madam. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. and section 604 of the fcra. Section 602A states I have right to privacy, section 604A Sec 2 it states a consumer reporting agency can not furnish an account without my written instructions.

1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which and dates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

Account XXXX XXXX XXXX : # XXXX Account XXXX XXXXXXXX : # XXXX Account XXXX  XXXX : # XXXX Account XXXX XXXXXXXX : # XXXX Account XXXX : # XXXX Account XXXX XXXX XXXXXXXX : # XXXX Account XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX Also the inquiries listed below were not authorized : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 appreciate you dealing with this situation,

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 2024-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I requested and was approved to submit a Private Student Loan Misconduct Application with Navient. My federal student loans have already been forgiven through the Borrower Defense to Repayment program due to widespread misconduct by The XXXX XXXX. Navient has been involved in multiple settlements for widespread, unfair, and deceptive practices in servicing and originating predatory student loans, particularly for for-profit schools like The XXXX XXXX. Despite holding onto my application for over 40 days, Navient denied it, stating : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' However, they failed to provide a specific or valid reason for the denial. In my application, I attached my promissory notes, which showed incorrect enrollment periods, erroneous disbursement amounts, and missing authorized signatures from my loan officer, myself, and my mother, thus making the loans invalid. This appears to be yet another dishonest action from Navient to keep defrauded student loan borrowers indebted to them. There is overwhelming evidence of misconduct on the part of both Navient and The XXXX XXXX regarding these loans, and there is no legitimate reason my application should have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation