vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment collection account at, XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) on XX/XX/year>. 
These accounts have resulted in several fraudulent hard inquiries and hard collections appearing on my consumer XXXX credit report. I've attached a list of hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not open, made, or initiated by me. All the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-05 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: IN

Complaint narrative:
According to XXXX XXXX Transunion XX/XX/XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b )

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 2025-02-05 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: IN

Complaint narrative:
According to XXXX XXXX Transunion XX/XX/XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
I have several accounts on my credit report that are not accurate and I have reason to believe that Experian is not investigating them properly rather just sending back notifications that its been updated

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 2025-02-05 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: CT

Complaint narrative:
On XX/XX/XXXX, I submitted the following complaint via the CFPB website. 

Complaint # XXXX On XX/XX/XXXX. XXXX, TransUnion received a dispute letter along with supporting documents regarding the following inaccurate items listed on my TransUnion credit report. CB INDIGO po box XXXX XXXX, OR XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXx XXXX XXXX, OR XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX I received their response on XX/XX/XXXX, stating that these items did not appear on my credit report. They also stated the information may have been updated before they reviewed my report or it was another credit reporting company. Immediately, I checked my report to verify their claims. Upon checking, the items were still listed. I then reached out to their customer support and chatted with XXXX. XXXX also confirmed the items were not there. I expressed to him that they were still listed everywhere I checked. He was not able to explain why. I told him I would wait a while. Here we are over 100 days later and all three items still appear. Not only do they appear on the credit report, but they are also listed in the dispute section of my online TransUnion account. No other bureau is reporting this inaccurate information. 

On XX/XX/XXXX, TransUnion responded with the same exact response they did for my initial complaint. They said that these items did not appear on my credit report. They also stated the information may have been updated before they reviewed my report. Immediately, I pulled my report from their very site to verify these claims. Upon checking, the items were still listed. This is inaccurate credit reporting, falsely representing my credit history. 

No other credit bureau is reporting this information. TransUnion has failed to properly investigate after I have repeatedly asked that they remove the inaccurate items. Your neglect has violated my consumer rights.

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 2025-02-05 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: MO

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Misrepresentation of Payment History ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The credit report shows continuous " C '' ( collection ) notations from XX/XX/XXXX to XX/XX/XXXX, yet the balance has remained {$1400.00} with no recorded payments or new activity. 
If no payments were made or missed beyond the initial charge-off date, continuously reporting new delinquencies each month is factually inaccurate and misleading.

This misrepresentation of account status negatively impacts my credit score in violation of 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information about an accounts status.

Incorrect Account Terms & Reporting Duration ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account is listed with a " 1-month term, '' yet it continues to be reported as delinquent for over a year.

If the account was charged off or placed in collections in early 2024, new monthly delinquencies should not continue to be reported.

12 CFR 1002.6 ( b ) ( 6 ) requires credit information to be reported accurately, including the correct duration and status of an account.

Failure to Properly Update Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows no changes in the amount owed from XX/XX/XXXX through XX/XX/XXXX. 
Despite no updates to the balance, XXXX XXXX XXXX continues to report new collection activity as if payments were actively being missed. 
This violates 12 CFR 1002.10, which mandates that credit information be accurate and updated as necessary.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that creditors must ensure credit information is accurately reported and updated. The erroneous delinquency reporting violates
this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed. 
Sincerly, 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Misrepresentation of Payment History ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The credit report shows continuous " C '' ( collection ) notations from XX/XX/XXXX to XX/XX/XXXX, yet the balance has remained {$1400.00} with no recorded payments or new activity. 
If no payments were made or missed beyond the initial charge-off date, continuously reporting new delinquencies each month is factually inaccurate and misleading.

This misrepresentation of account status negatively impacts my credit score in violation of 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information about an accounts status.

Incorrect Account Terms & Reporting Duration ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account is listed with a " 1-month term, '' yet it continues to be reported as delinquent for over a year. 
If the account was charged off or placed in collections in early 2024, new monthly delinquencies should not continue to be reported.

12 CFR 1002.6 ( b ) ( 6 ) requires credit information to be reported accurately, including the correct 
duration and status of an account.

Failure to Properly Update Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows no changes in the amount owed from XX/XX/XXXX through XX/XX/XXXX. 
Despite no updates to the balance, XXXX XXXX XXXX continues to report new collection activity as if payments were actively being missed. 
This violates 12 CFR 1002.10, which mandates that credit information be accurate and updated as necessary.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that creditors must ensure credit information is accurately reported and updated. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed. 
Sincerly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-05 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: MD

Complaint narrative:
I am disputing the account status for these following accounts ; - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX - XXXX ( Equifax and Experian updated already ) - -- XXXX - XXXX I am disputing the above accounts reporting improper reporting. 
I've disputed this with Equifax, Experian and TransUnion, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, upon submitting these to all 3 credit bureaus I have not received any changes or updates nor was I provided with a valid explanation. This is detrimental to my personal credit and causing financial harm, and causing me to be denied and moving forward.please investigate this matter as soon as possible.

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 2025-02-05 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: MD

Complaint narrative:
I am disputing the account status for these following accounts ; - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX - XXXX ( Equifax and Experian updated already ) - -- XXXX - XXXX I am disputing the above accounts reporting improper reporting. 
I've disputed this with Equifax, Experian and TransUnion, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, upon submitting these to all 3 credit bureaus I have not received any changes or updates nor was I provided with a valid explanation. This is detrimental to my personal credit and causing financial harm, and causing me to be denied and moving forward.please investigate this matter as soon as possible.

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 2025-02-05 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MA

Complaint narrative:
I graduated 8 months ago but started looking for work in the past XXXXhree months. Immediately following graduation I had medical issues requiring XXXX which delayed my job search start time. 

Presently, I am on a Graduated Repayment Program as I was told this was my only option if I could not make any payments. The GRP requires monthly interest payments for up to one year and then you return to normal interest and principal payments. The monthly interest payment I am being asked to pay is approximately {$1500.00}. That is {$18000.00} a year in interest alone. Since I am not employed I can not make any payments and am told that I will be in default in 60 days. There is nothing I can do. 

I have been applying for hundreds of jobs in my XXXX XXXX XXXX and XXXX, and have not received any interviews. Nothing. I have worked with resume building, cover letter building, and have a great work history. I do not understand why I am being overlooked and not given any opportunity to work in the field I went to school for and amassed this enormous student debt for. SallyMae has made it clear that once I default they will file a judgment and garnish my wages and go after any assets I own. This is beyond frustrating and demoralizing. It takes time to find a job and most entry level XXXX XXXX  pay very little that it would be impossible to cover even a fraction of what is being required for the student loan payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
I have received many calls from this company. The most recent being XX/XX/year> and then again today. They left messages both times. They stated on the voicemail that they had me as a reference for my son, and that they needed me to call them. In order to stop the harassment, I called the number they left in the voicemail ( XXXX ), I told them I was returning their call. The gentlemen immediately started to tell me that he was collecting a debt on behalf of Florida Gulf Coast University. I stopped him and told him that I did not attend FGCU and did not owe them anything. At which time he very rudely told me that I owed them over {$6000.00} ( he stated the specific amount ). I again corrected him and told him that I do not owe them anything and that's when he asked if the actual debtor was my son. I told him even if the debtor is in fact my son, he is not permitted to contact me for any reason. I would like to make a formal complaint should this continue, I will be taking legal action as it is unlawful to disclose a debt to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over 45 days ago I requested method of verification and proof of verification for three accounts reporting on my Experian report and the information was never received. However, Experian informed me, Report # : XXXX, that the accounts were verified but no proof of verification provided. 

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a disputed item can not be verified, it must be deleted from the consumer 's file. Additionally, under 15 U.S.C. 1681c-2, any information that is the result of an unverifiable or inaccurate reinvestigation must be permanently blocked from my credit report. Since Experian has not provided sufficient evidence of verification, I demand that the unverified negative accounts be immediately deleted and blocked from further reporting on my credit report.

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 2025-02-05 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: FL

Complaint narrative:
- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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