vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding Experians handling of disputes related to an inaccurate voluntary repossession account on my credit report. Despite multiple disputes, Experian has failed to address the discrepancies I have raised and continues to report incorrect information.

Issue Details : 1.Account Information : Original Creditor/Lender : XXXX Account Number : XXXX Date of Dispute : XX/XX/year>, XX/XX/year>, and XX/XX/year> XXXX of the Discrepancy : Experian is reporting an inaccurate balance on this account. The reported balance of {$7000.00} does not match the correct balance of {$7100.00}. 
I have provided supporting documentation in my previous disputes to demonstrate the correct balance, yet Experian claims the account has been verified without addressing the discrepancy. 
3.Repeated Disputes Without Resolution : I have disputed this information twice through Experians dispute process. Each time, the response has been that the information is verified and accurate, but no explanation or evidence has been provided to substantiate this. 
The reporting remains inaccurate, which negatively impacts my creditworthiness and financial opportunities. 

Request for Resolution : I request the following actions : 1. That Experian conducts a thorough investigation into this account and provides evidence from the original creditor verifying the balance they claim is correct. 
2. That the inaccurate information is deleted entirely from my credit report promptly, as required by the Fair Credit Reporting Act ( FCRA ) if it can not be verified.

3. That I am provided with detailed documentation of how Experian reached its conclusion regarding the dispute.

Supporting Documentation * Copies of my previous dispute submissions to Experian. 
* Any statements, receipts, or correspondence demonstrating the correct balance of the account. 

Impact of the Inaccuracy : This inaccurate reporting has caused significant stress and financial hardship. It has resulted in denial or unreasonable terms for a car loan, limiting my ability to secure reliable transportation. 
I trust that the CFPB will investigate this matter and ensure Experian upholds its obligation under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and verifiable information. If Experian can not verify the accuracy of this account, I request its deletion from my credit report. 
Thank you for your time and assistance. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX refuse to delete an item that the collection closed after investigation by CFPB Complaint XXXX XXXX XXXX 
XXXX XXXX XXXX closed the dispute and are not attempting to collect but still report past due to the XXXX bureaus every month. 
This adversely affects my score. There are no late payments on my credit report except for this but my score is poor. Its the collection that is the only derogatory. 
I can not afford {$440.00} to pacify dishonesty. The original fraudulent charge of {$120.00} was dismissed by the original creditor XXXX XXXXXXXX XXXX but exactly a year later sold it to collections who now want {$440.00}. 
Please help again Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX TransUnion XXXX refuse to delete an item that the collection closed after investigation by CFPB Complaint # XXXX XXXX. 
XXXX XXXX XXXX closed the dispute and are not attempting to collect but still report past due to the 3 bureaus every month. 
This adversely affects my score. There are no late payments on my credit report except for this but my score is poor. Its the collection that is the only derogatory. 
I can not afford {$440.00} to pacify dishonesty. The original fraudulent charge of {$120.00} was dismissed by the original creditor XXXX XXXX XXXX  but exactly a year later sold it to collections who now want {$440.00}. 
Please help again Thank you

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 2024-11-19 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: MA

Complaint narrative:
My report lists incorrect late payments that dont align with my payment history. Please fix.

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 2024-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I already submitted a complaint ( see account ), which MOHELA just copied and pasted some boiler plate nonsense about the SAVE plan being blocked. This does not to address their 9 month delay in processing my IRB request last year or the fact they have repeatedly reflected incorrect status ( including missing payments ) on my student loan accounts that have resulted in incorrect negative reporting to credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information was erroneous. The EX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : Fraudulent Accounts : XXXX Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX ) Account Number : XXXX ( Equifax ) XXXX XXXX Account Number : XXXX ( All 3 bureaus ) XXXX XXXX Account Number : XXXX ( XXXX, XXXX ) Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had filed a dispute in XX/XX/year> about charges on the Bofa VISA card, which I explained to them were unauthorized as the card was not in my possession. 
They still continue to re-bill to the account and eventually, fees and interest charges kept accruing for the balance of {$270.00} to {$580.00}. 
They closed the account and sent the amount to Collections for a Charge-off. 

I received a refund from a merchant for {$1000.00}, which the merchant sent it back to the card for the original form of payment. 

Bofa VISA Credit proceeded to keep the deposit and deduct the balance and send me the difference. 

I called them asking about the {$1000.00} credit refund and they stated that it would be sent back to you, but I have yet to receive it. 

Then I received a letter from the Collections agency, which might be affiliated with Bofa for a collection recovery for this {$580.00} balance which they have already collected already by deducing it from the {$1000.00} credit refund. 
Certainly, looks like double-dipping on this account hoping I won't catch it. 

I am really upset and angry at how many times I have gotten the run around with Bofa Customer Service, the Fraud Dept., and the Consumer Credit Department. 

When I called again last time asking about the {$1000.00} balance, the customer service representative mentioned to call the Fraud department again to restart the process again. 

I am just loss for words for how Bofa has treated me given I have been with them for over 30 years. 

Thanks!

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 2024-11-19 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: Michael J Adams PC
State: TX

Complaint narrative:
Michael J Adams PC have seized my bank accounts by taking a legal action to hold my accounts. I was not aware of the suit or notified that this action of bank garnishments would be a result. I only was able to know whats happening based on calling the bank that put a hold on my account and they made me aware, this debt is behind the limit of staturation as its been almost a decade of an account I had with XXXX XXXX XXXXXXXX. I can not contact the company as they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MO

Complaint narrative:
Late payment records on my report dont reflect my typical habits. Please update accurately.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a complaint regarding my recent attempt to obtain a copy of the 1099-C form for a personal loan and credit card account, both of which are reported as charged off on my credit report by XXXX XXXX XXXX XXXX XXXX Despite making a formal request over the phone for the 1099-C form, I have not received the document as requested. 

The charged-off accounts are listed on my credit report, but I have not been provided with the corresponding 1099-C, which I believe is necessary for accurate tax reporting and financial record-keeping. 

I respectfully request that XXXX XXXX XXXX XXXX provide the 1099-C form for both the personal loan and credit card accounts, or provide clarification on why the form has not been issued. This delay is causing significant confusion and concern, as it directly impacts my tax reporting obligations and financial status to prevent fraud. 

Please assist in resolving this matter as promptly as possible. 

Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX TransUnion LLC Supervisor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX FTC : XXXX CFPB : Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Information on Credit Report Dear TransUnion, I am writing to formally dispute several inaccuracies identified on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be promptly investigated and corrected. The information in question is both incorrect and appears to have been fraudulently added. 

This dispute is submitted on my own behalf, without any third-party assistance. For your review, I have enclosed copies of my identification, Social Security card, an FTC complaint, and a CFPB complaint relevant to this matter. 

Additionally, I reference prior case law where TransUnion has been held accountable for similar violations : XXXX. XXXX XXXX Trans Union LLC ( XXXX ) : Found TransUnion liable for reporting inaccuracies and failing to remove erroneous accounts, violating the FCRA. 


2. United States v. TransUnion LLC ( XXXX ) : Highlighted ongoing FCRA violations, resulting in penalties for non-compliance. 



The specific violations I am addressing include : 1. Fair Debt Collection Practices Act ( FDCPA ) : TransUnion has inaccurately reported debt collection information, potentially violating FDCPA provisions. 



2. Fair Credit Reporting Act ( FCRA ) : Numerous FCRA violations, as documented in cases like XXXX XXXX Trans Union LLC. 



3. Attorney General Actions : Government enforcement actions, such as United States v. TransUnion LLC ( XXXX ), have cited TransUnion 's non-compliance with FCRA standards. 


Requested Actions : Under 15 U.S.C. 1681c-2, which mandates the removal of information resulting from identity theft within four business days, I request the immediate correction and removal of the following erroneous accounts : XXXX. Accounts : XXXX XXXX XXXX ( Account # XXXX ) Date : XX/XX/XXXX Balance : {$7800.00} XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX XXXX. Inquiries : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  I trust that TransUnion will address this matter promptly and comply with all legal obligations. Please provide a written confirmation of your investigation and resolution. Should you require any additional information, do not hesitate to contact me at the address above. 

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