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: OH

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the U.S. Bankruptcy Court record currently listed on my credit report. Upon review, I have identified inaccuracies in the way this information has been reported and verified.

As stipulated under the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original creditor, it must remove said information from the consumer 's credit file.

In this case, the original creditor would be the U.S. Bankruptcy Courts. However, I have received a letter from the bankruptcy court confirming that they do not furnish information to credit reporting agencies, nor do they validate or confirm public record entries. Similarly, documentation from XXXX states that it could not validate this public record information. 

It is clear that public record information, including bankruptcy cases, is obtained by credit reporting agencies or third-party providers without validation from the Recorder of Deeds or the U.S. Court system . This practice violates 15 USC 1681e ( b ) and the FCRAs privacy provisions. 

Additionally, XXXX is in violation of : 15 USC 1681b ( a ) ( 2 ) : Furnishing information without my consent.

15 USC 1681c ( a ) : Excluding outdated or unverifiable bankruptcy information from consumer reports. 
Your failure to validate or verify these public record entries is a breach of your legal obligations and constitutes fraud. As a result, these inaccuracies are causing me significant harm by preventing access to credit, thereby negatively impacting my ability to support 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: FL

Complaint narrative:
I opened a secured credit card with first progress around XXXX of XXXX. Immediately after I called them and requested that they close it.I didn't want the account to be opened. They assured me that after it was done processing that it would close and refund me. The secured deposit I made. I threw away the credit card and forgot all about it. Now it is XX/XX/XXXX and they reported to the credit agencies that I have late payments. They have charged me for 2 annual fees, even though I requested the account be closed. I have not used this a card. And the only charges that were accumulated on this card were annual fees, even though I told them to shut it down in XXXX while the application was still being processed. I called customer service. Even spoke to a supervisor they informed me that there was nothing they can do except close the account which would take about fifteen days. They refuse to give me access to my account by providing my account number and card number so I can see the charges for myself. They told me that the only thing I can do is send a written letter. To their company explaining the situation, and hopefully they reverse everything. My credit score shot down XXXX points because of this fraudulent situation. The company first progress did not seek to rectify it. Even though it was clearly a mistake on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Mohela gave me a vague notice XX/XX/XXXX that my appealed School Misconduct application has been denied. Mohela had received my appeal on XX/XX/XXXX. In these emails Mohela sent me XX/XX/XXXX, there are no specific explanations as to why they denied my application. I have provided them with sufficient documents and papers the application asked for, including updated information from the first application I had sent. XX/XX/XXXX XXXX spoke with Mohela rep XXXX XXXX and asked her if she could give me any specific reasons why my application was denied, as I have provided them what they had asked for on the application. The rep could not give me any explanation other than the same one that was on the denial email Mohela sent me this past Monday. It states, A variety of factors are considered 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. Mohela could not give me any reasons why my submitted documents were not sufficient enough, even though there is more than enough evidence requested. The Mohela reps solution was only that I could reapply again. There is no guidance about what else they would consider looking at or what I was supposedly missing. The following is a list of items I provided them with my application : School Misconduct application appeal that has additional information included plus : ITT Transcripts Truth-In-Lending disclosure statement XXXX XXXX picture I had mailed with original misconduct application and was sent back to me Transcribed XXXX XXXX website print outs XXXX transcripts Tax returns for XXXX, XXXX, and XXXX showing financial hardship Bankruptcy papers ( XXXX XXXX loans listed ) Copy of US Dept of Education letter stating XXXX federal loans discharged XXXX XXXX XXXX Final approval documents Email explaining that I am in post class Exhibit C listing of misleading/for-profit schools ( XXXX highlighted ) Letter I received stating I am on list of XXXX for XXXX settlement Class action lawsuit/judgement order and Motion Cited from application : Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses Exhibit XXXX XXXX Department approves {$3.00} XXXX group discharge for XXXX borrowers who XXXX XXXX XXXX XXXX The People of the State of California v Peaks Trust case Work cited Letter from members of United States Congress regarding Holder Rule and Navient rejecting applications ( in reference to my own denial )

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-13 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-13 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties.

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS XXXX XXXX XXXX assist with your accounting or legal tax obligations. 

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Subject : Urgent Complaint Regarding Reappearance of Bankruptcy on Credit Report I am writing to lodge a formal complaint regarding a recent issue with my credit report that has caused significant distress and financial inconvenience. Despite having successfully declared XXXX XXXX XXXX  and subsequently having derogatory information related to a mortgage company 's erroneous report removed after intervention by XXXX, I am dismayed to find that TransUnion has re-reported the same bankruptcy status. 

This re-reporting is not only unjustified but also illegal under consumer protection laws. The mortgage company responsible for the initial error has already acknowledged and corrected their mistake, yet I am now unfairly burdened with the consequences of this reappearing bankruptcy on my credit report. This situation is causing undue hardship as it affects my financial credibility and potentially undermines my ongoing financial commitments. 

I request immediate action to rectify this error and remove the erroneous bankruptcy status from my credit report without delay. I urge TransUnion to investigate this matter thoroughly and take swift corrective measures as required by law. Additionally, I request confirmation in writing once the correction has been made and assurance that such errors will not recur in the future. 

Please acknowledge receipt of this complaint promptly and provide a timeline for resolution. I look forward to your swift action in rectifying this serious matter. 

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 2025-01-13 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: GA

Complaint narrative:
From TransUnion my information has been breach from all 3 credit bureau XXXX and 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 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: EQUIFAX, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Modern Adjustment Bureau
State: TX

Complaint narrative:
I previously reported XXXX XXXX XXXX for fraudulent activities on my account. This was previously removed from my credit history. XXXX XXXX XXXX  used my credit to provide a car to someone else. I provided proof in my previous dispute. Now Modern Adjustment Bureau has added this account back to my credit. The amount and dates are fraudulent. I have previously disputeted Modern Adjustment Bureau with XXXX and XXXX. XXXX did not do a proper investigation to confirm that this charge is not valid and was previously removed. I have included screenshots of the previous removal. I am requesting this to be removed and that Modern Adjustment Bureau be blocked from adding fraudulent activities to my credit history.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/year> spoke to XXXX he left me on hold and refused to let me speak to a supervisor. He denied of having my identity theft form that was sent to Equifax on XX/XX/year> cfpb. 

EQUIFAX HAS REFUSED TO REMOVE THIS FRAUDELENT INFORMATION FROM MY ACCOUNT. 

I HAVE SPOKEN TO AN EQUIFAX SUPERVISOR LAST WEEK SHE TOLD ME THAT THE XXXX XXXX ACCOUNT WOULD BE REMOVED AFTER THEY RECEIVED MY FORM. 

EQUIFAX HAS CONTINUED TO LEAVE ILLOGIAL AND FRAUDELENT INFORMATION ON MY CREDIT REPORT EVEN WHEN IT DOES NOT MAKE ANY SENSE

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I made some balance transfers to this Capital One account on XX/XX/year>, to have funds available to make a big purchase, but when I realized that I was going to get a purchase transaction fee I decided to go another route, and decided on XX/XX/XXXX to give them a call and ask them for a refund check. 
They said that they needed to investigate the proceeds were not fraudulent, and that they needed 7 business days to complete their investigation, and if they were to have any question they were going to contact me by phone.

I never got any phone call from them, and after waiting long enough I called back again on XX/XX/XXXX to find out the status of my request. They said that the fraud investigation wasn't completed yet, and that I needed to wait an additional week to get my funds. 
I waited until XX/XX/XXXX, and the Acct Manager said that they completed the investigation and the funds were approved to be sent out on XX/XX/XXXX, but the check wasn't written yet, she was glad that I have called in to make this to happen, so she said to give it another week and that my check should arrive by then. 

I waited until XX/XX/XXXX since my check had not arrived, I asked to speak with a Supervisor or Manager and I spoke to XXXX ( Worker ID : XXXX ), she promised me to call me back today with an answer to my claim but nobody has called me so I did call again today and spoke to another Supervisor also called XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; this lady said that the fraud investigation is still ongoing and that they don't have a time frame as per it will be completed, so I asked her to file a formal complaint but I suspect she did nothing and she was talking to me in a ironic way, I said that I'm tired of being asking for my money for what I'm already paying fees and interests but they are still holding it without any valid reason, I told her that they are causing me a big damage, and I asked her if they are going to pay me interests on the money they are holding and she didn't provide me with an answer. 

She said exactly the same recording I was told over and over again ( the case is still under investigation and someone will contact me soon ) and based on her attitude I don't expect much cooperation and resolution on this case after more than 5 phone calls claiming for my money.

I need this money asap and I can not keep waiting on these people any longer. 
I also asked them to update my name after I became a XXXX XXXX, so they can send the check under my new name. The agent said it was going to take effect immediately, but then when asking an update about the refund I got transferred to this XXXX XXXX, and she said that it's going to take 7 business to make the name change, in order to keep delaying the whole process even longer. 
Please help!!!

Company response to consumer: Closed with 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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The financial system depends on accurate and fair credit reporting, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Unfair credit reporting practices erode public trust, which is necessary for the banking system to continue operating, and inaccurate credit reports directly reduce the effectiveness of the banking system. 

Therefore, any infraction of the FCRA reduces the effectiveness of the banking system. Since I never arrived late, this is a violation of TILA US Code 1666B. 

My XXXX XXXX  account [ XXXX ] has an inaccurate late payment record, which I discovered when I just checked my consumer report. I have consistently made on-time payments on this account.

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