vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
I, XXXX XXXX, have identified and addressed multiple violations of the Fair Credit Reporting Act ( FCRA ) and related U.S. laws concerning the reporting and handling of my credit information. The violations include : Willful Noncompliance ( FCRA 616 ) : Credit information about me was accepted and reported without proper verification of its accuracy. This constitutes willful noncompliance, which can result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of the sharing of my personal information, a violation of my consumer rights.

Furnishing Deceptive Information ( FCRA 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation, which I believe violates Generally Accepted Accounting Principles ( GAAP ).

Violation of the Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Inaccurate debts and accounts were reported, leading to unnecessary harassment and distress from creditors.

Unauthorized Disclosure of Debt Information : Debt collectors disclosed information about alleged debts to third-party credit reporting agencies, violating regulations that prohibit this practice.

Inaccurate Reporting of Late Payments : My credit report includes late payment entries without clear definitions or proper justification, making these reports deceptive and misleading.

Failure to Accurately Determine Finance Charges : There was a failure to fulfill responsibilities related to the proper determination of finance charges.

Reporting Without Consent ( FCRA 604 ) : Information was reported on my credit report without obtaining my explicit written consent, violating permissible purpose requirements.

Given these violations, I have demanded the immediate correction or removal of the following inaccuracies : Deletion of incorrect personal information.

Validation or removal of unverified debts and accounts.

Updating of accounts inaccurately reported as having late payments to reflect accurate payment histories.

Compliance with the FCRAs procedural and accuracy requirements, as outlined in 1681e ( b ) and 1681i.

I have requested evidence of the validity of certain debts and entries, including original signed documents and agreements between debt collectors and original creditors, notarized and sworn under penalty of perjury. Failure to provide this evidence would require the deletion of the disputed entries from my credit report.

If these issues are not resolved promptly, I intend to pursue legal remedies to ensure compliance and accountability for the violations.

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Truist Bank Customer Service Team, I write to express my profound distress and dissatisfaction with the resolution of my recent fraud claim. I have been a customer of Truist Bank, and on XX/XX/XXXX, I discovered a transaction withdrawing {$1200.00} from my account unauthorizedly. The transaction, associated with XXXX XXXX and conducted via XXXX XXXX in Florida, was neither initiated nor sanctioned by me, as my personal travel and transaction history can corroborate. 

Promptly after detecting the aberrant activity, I reported the situation to your customer service and complied entirely with the investigative procedures outlined by your fraud department. Unfortunately, despite proactively securing my account as prescribeddeactivating my card and resetting my credentialsmy initial claim was rejected based on a supposed 'history ' with XXXX XXXX, which should not negate the validity of a fraud claim. 

Unwilling to accept what I believed to be a precipitous judgment, I pursued further clarification by visiting a local branch. The branch representative kindly assisted me in reopening the claim and provided additional information evidencing the illegitimacy of the withdrawal. Yet again, after a mere XXXX days of deliberation, I was informed the decision to deny my claim would stand. 

The communication from XXXX XXXX mirrored the advice from your teamthey directed me to resolve the matter through my bank. My attempts to seek justification from the Truist fraud department were met with vague responses, leaving me without satisfactory explanations or recourse. 

This incident has left me unable to fulfill my financial obligations, such as paying rent, due to funds being withdrawn without any preemptive alerts from Truist Bank. The lack of communication and concrete reasoning behind the denial of my claim is troubling, especially when I relied on the belief that my assets were protected under your institution 's care. 

The principle of insured deposits is fundamental to banking security and customer confidence. However, in light of these events, I find myself questioning the safeguards supposedly afforded to me as a consumer. Such experiences erode the foundational trust we place in our financial institutions.

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 2024-12-10 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: FL

Complaint narrative:
After reviewing My credit report I'm not satisfied with the results after sending out Certified Letters asking for Verification in reference to the Accounts in Question.XXXX XXXX  # XXXX, Original Balance {$760.00} Balance Updated XXXX, Date Opened XXXX, XXXX XXXX XXXX Original Balance {$740.00} XXXX XXXX XXXX, Account # XXXX, Date Opened XXXX, XXXX have never had any business transactions with either Company. XXXX XXXX  Account # XXXX, XXXX {$1600.00} Credit Limit {$1200.00}. XXXX XXXX Account # XXXX, Balance {$670.00}, Credit Limit {$500.00} Balance Updated XXXX, XXXX XXXX XXXX # XXXX, Balance {$1100.00}, Credit Limit {$700.00} Account is reporting ( XXXX Potentially Negative Months ) with ( No Starting Date ) nor ( Date of Last Activity ). XXXX XXXX XXXX # XXXX, Account Status : CLOSED Balance {$780.00} Credit Limit $ XXXX Updated XXXX, XXXXThe Fair Credit Reporting Act ( FCRA ) ,15 U.S.C.1681 et seq., is legislation enacted to promote the accuracy, fairness, and privacy of consumers information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information

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 2024-12-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Amg fin ga 12/09/2024
1st Franklin Financi 12/09/2024

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I contacted Equifax on multiple occasions due to a block on my credit report. They have some of the rudiest customer service representatives that I have had the displeasure of speaking with. I did not request a block on my credit report so it is insane that XXXX was placed in the first place. When calling I was told that I need to wait about XXXX weeks to have this done and that is after I mail in additional documents after completing an ID verification as well as a video verification already. I am in need of a place to live and now I have to wait unnecessarily for a process to be completed that I never asked for in the first place. This is despicable! This company should be fined for the way they treat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$20000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$160.00} Date Opened XX/XX/XXXX XXXX  Balance {$360.00} Date Opened XX/XX/XXXX XXXX XXXX CREDIT ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, I am writing to urgently request the Consumer Financial Protection Bureau 's intervention regarding an inaccurate debt collection entry on my credit report. This entry, reported by RS Clark and Associates and related to XXXX XXXX XXXX XXXX ( account number XXXX ), is incorrect. My installation clearance records confirm no outstanding fees. 

XXXX, XXXX, and XXXX have failed to verify this account before placing it on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). This negligence is severely affecting my livelihood by damaging my credit standing. 

I request immediate action to investigate this matter and ensure that this erroneous entry is removed from my credit report without delay. Enclosed are copies of my installation clearance records and previous correspondence with the involved parties. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX XXXX : [ Installation Clearance Documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CRME Financial Services , Inc is the debt collector. I have asked previously for them to not call me, which they call me non stop every day multiple times a day. 

Now they send a text message with MY persons information on it. Including a picture of the bill, and a link to the bill. I have not confirmed if it was me or not, but if it was not me I do not think it is right to share someone information through text message, when it could be the wrong number. That is my private information, and a violation of my privacy. 

Not only this but I have NEVER given written or any kind of consent to be contacted by text messages. Their text also does not include anything about an opt out option on there. 

My consent and no opt out is something they have to include regarding Regulation F. 

I called and asked for my number to be removed, they wont unless I confirm it is me or not. Which they stated they knew the law and it was basically okay for them to text any number with my info, they didnt need consent, or an opt out option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XX/XX/year> The company ( Navient ) has offered forbearances and payment repayments with misleading and increasing interest on balances owing. I reached out to the institution ( XXXX XXXX XXXX XXXX ) to advise them I shouldn't have had any balances owing with both loans including Navient and XXXX XXXX XXXX XXXX. Additionally, I had disputed the amount owing to the loan servicing companies because I had also paid a large amount of funds out of my own pocket. They refused to rectify the issue and responded with " statement of loan amounts and repayment information ''. 

On a recent Credit Report Audit requested from the Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ), these accounts are showing inaccurate loan information and interest rates. I recently received notification that Navient had sold my loans to another loan servicing company. I'm requesting the assignment contract authorizing my personal information to be sold and provided a third-party financial institution. I request this issue to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-12-10 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: Velocity Portfolio Group
State: TX

Complaint narrative:
XXXX XXXX XXXX is the XXXX party trying to collect in this debt. Velocity Investments purchased this debt from XXXX. Now Velocity is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>. 
Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of XXXX : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. 
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing. 
IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes. 
Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices. 
Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms.

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 2024-12-10 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:
XXXX Account Number : XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number : XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX Account Number : XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number : XXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
Im filing a formal complaint regarding the inaccurate information being reported by Experian on my credit report. Despite my repeated efforts to dispute and resolve these errors, they remain uncorrected, unfairly damaging my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of reported information, and any disputed, unverifiable data must be removed. I have already submitted all necessary documentation to support my dispute, yet the inaccuracies persist.

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