vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
This letter is a formal request for validation of an alleged debt you claim I owe, account number [ NCB  File # XXXX ]. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227.

I dispute the validity of this debt. I have no knowledge of a contract or agreement with your company. Therefore, I am requesting the following documentation to verify your claim : * Proof of your authority to collect this debt : Provide evidence that you are legally authorized to collect this debt, including a copy of the assignment or transfer document showing you have the right to collect on behalf of the original creditor. This should clearly show the transfer of ownership of the debt to your company. 
* Your state license number : Include your companys state license number for debt collection. 
Furthermore, I am requesting that you cease all communication with me, including phone calls, until you have provided the requested validation. This is in accordance with my rights under the FDCPA. 
Under the FDCPA, you are required to provide this validation within 30 days of receiving this request. Failure to provide this information will result in my disputing the debt with credit reporting agencies and may result in legal action.

Please note that if you continue to contact me using automated dialing systems or prerecorded messages without my express written consent, you will be in violation of the TCPA.

I expect your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-04 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:
I hope this message finds you well. I am reaching out to you because Ive discovered a serious issue with my credit report that requires your immediate attention. Upon reviewing my report, I found an account that was opened in my name without my permission. I want to make it absolutely clear that I did not authorize or initiate this account in any way. This is a case of fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Facing Identity Theft, I am trying to Freeze Experian So not vulnerable to hackers. 
Already contacted/Freeze with XXXX XXXX and XXXX. 
Not ExperianXXXXNo person to answer phone XXXXForces you to set up account XXXX. Does not recognize new account XXXX. Insists on sending Web info on how to Freeze but if you can not " get in '' you can not complete! 
XXXX. Requirement is to enter phone #, then an Authorization Code XXXX is sent by text and required to continue for Freeze If phone number is not " recognized '', No Authorization Code is sent, therefore I can not Freeze my credit! 
Fraud artists are creating new Credit cards, taking loans, breaking into existing accounts while I wait for Experian I can say nothing good about EXPERIAN " XXXX '' customer service or ability to play their game! XXXX hours this morning, XXXX hours yesterday. When I need the time to evaluate what has been hacked and repair immediately

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TN

Complaint narrative:
My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Reporting Company : XXXX BANK - Account XXXX XXXX XXXX XXXX Balance : {$4200.00} Reporting Company : XXXX XXXX - Account XXXX XXXX XXXX - Balance : {$1200.00} Reporting Company : XXXX BANK - XXXX XXXX XXXX XXXX - Balance : {$0.00}

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 explanation
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am writing to formally demand immediate action regarding my vehicle title and lien release, as well as clarification on the 1099-C form I received. This issue has been ongoing for far too long, and I am beyond frustrated with the lack of resolution and the continuous runaround I have received from your customer service representatives. 

I filed for XXXX XXXX XXXX in XX/XX/year>, and shortly thereafter, I received a 1099-C from Santander Consumer USA stating that the entire loan balance of {$25000.00} was canceled. However, this does not align with the actual remaining balance on my loan at the time, which was approximately {$8000.00}. Prior to XXXX, I had already made substantial payments toward this loan, so I have serious concerns about where the rest of the money I paid has been accounted for. If the full loan balance was canceled per the 1099-C, then where is the money I already paid? Am I entitled to a refund for the overage? I demand a clear and transparent explanation of how these figures were calculated. 

Additionally, I have made multiple attempts to request my lien release and vehicle title, only to be repeatedly told that it has been processed and mailed, with an expected delivery time of 10-14 days. Yet, I still have not received it. Each time I follow up, I receive the same vague response with no resolution. This delay is completely unacceptable and is preventing me from having proper ownership and control over my vehicle. 

At this point, I have exhausted all reasonable efforts to get this issue resolved amicably. If I do not receive my lien release and title immediately, along with a clear explanation regarding the 1099-C and any possible refund, I will be left with no choice but to escalate this matter further. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office if this is not resolved immediately. 

I expect a response no later than [ insert date 7 days from today ] with confirmation that my lien release has been sent via an expedited and trackable method. Additionally, I require a full breakdown of the 1099-C reporting and any refund that may be owed to me.

This matter is urgent and requires your immediate attention. I expect prompt resolution without any further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. ''

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 2025-03-04 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MD XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Experian To Whom It May Concern, I am writing to formally dispute inaccurate information that Experian is reporting on my credit report file, I noticed the following Negative item ( XXXX ) that I believe to be incorrect and/or unfairly reported : XXXX Bank ( account XXXX XXXX ) Inaccurate account number the account number on XXXX account number ( XXXX ) states a different account number. 
XXXX XXXX XXXX ( account XXXX XXXXXXXX ) has not been able to validate the debt they say I owe. I asked XXXX XXXX XXXX for the Purchase Agreement and the original agreement with my wet signature to prove that I owe the debt, which they have yet to provide. 
XXXX XXXX Bank ( account XXXX XXXXXXXX ) Experian and XXXX list different addresses for account, I received a email from a XXXX party debt collector ( XXXX XXXX, which is not listed on my credit report ) claiming that I owe them this debt with a different account number, and no proof that I owe this debt. 
Theres negative items are negatively affection my credit score, and I request an immediate investigation into their accuracy. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to report only accurate and variable information. If Experian can not provide proof that these negative items are valid and correctly reported, I request that they be deleted from my credit report immediately. 
I appreciate your prompt attention to this matter. Please provide me with written confirmation of the results of your investigation. If you need any additional information, feel free to contact me at the details provided 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 explanation
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. ''

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My accounts with Bank of america were restricted on Friday for no reason and are still restricted today. I have been told XXXX different reasons why and each time and told to keep trying it will be up in XXXXXXXX XXXX. I missed my mortgage, car payment and haven't been able to purchase groceries for my family of XXXX since Friday. 

I have been on the phone for over XXXX XXXX trying to resolve this and XXXX time after holding for an hour and XXXX minutes the agent pretended she couldn't here me and disconnected the phone.

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 2025-03-04 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: TX

Complaint narrative:
On XX/XX/scrub>XXXX a person loan was paid off with XXXX for the amount of {$2700.00}. Then on XX/XX/scrub>XXXX, an interest in the amount of {$0.00} was charged to the account, and it was paid using internal accounts. On XX/XX/year>, the account was flagged on my credit report as being delinquent with a balance of {$0.00}. I have requested them to remove this from my account, but have not received any information stating they will do so. 

Also, when I went to make payment, there was a {$5.00} fee. I wanted to pay off the balance in XXXX transaction, but there is a {$1500.00} limit per transaction, so I had to make XXXX payments with fees totaling {$15.00} instead. The online banking is unusable, with payments being submitted not going through multiple times. This is a predatory business practice, with payments from external accounts being charged multiple times and no credit being received. 

I want this XXXX balance account to be taken off my credit report. I also am requesting that XXXX reconfigure their online banking service or provide an alternative way to make a payment.

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