vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: NC

Complaint narrative:
I am submitting this complaint against XXXX, TransUnion, and XXXX for egregiously failing to remove inaccurate information from my credit report, despite being provided with official documentation ( 1099-C forms ) showing that the debt in question has been canceled. Under the Internal Revenue Code ( IRC ) 108, canceled debt is considered taxable income, and reporting it as an outstanding obligation is not only false but also misleading. I have submitted the appropriate 1099-C forms to each of the credit bureaus, yet they have continued to report the canceled debt as an active liability. This failure to update the information and remove the erroneous entry has caused significant harm to my creditworthiness, damaged my financial reputation, and subjected me to emotional distress. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : Under the FCRA, credit reporting agencies are legally required to investigate and correct inaccurate or incomplete information in consumer credit reports. The agencies failed to remove the canceled debt despite my providing irrefutable evidence that the debt was canceled and considered taxable income. Internal Revenue Code ( IRC ) 108 : The IRC defines canceled debt as taxable income, and once the debt is canceled, it no longer exists as a liability in the consumers financial obligations. Failing to reflect this change in my credit report is not only unlawful, but it is also misleading and harmful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The Supreme Court ruled that " inaccurate information that harms a consumers credit standing is a concrete injury, '' and recognized that the risk of harm caused by inaccurate information on credit reports is sufficient to establish standing for claims under the FCRA. The continued reporting of this canceled debt constitutes harm to my reputation, creditworthiness, and financial standing, as well as emotional distress. TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX reaffirmed that consumers suffer concrete harm when inaccurate credit information is disseminated to third parties, such as potential creditors. The ongoing reporting of this canceled debt by the credit bureaus has caused irreparable damage to my ability to obtain credit and has subjected me to financial disadvantage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This case held that credit reporting agencies have a duty to ensure the accuracy of information they report, and failure to update or remove inaccurate information, such as canceled debt, violates consumer protection laws.

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 2024-12-16 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: NC

Complaint narrative:
I am submitting this complaint against XXXX, XXXX, and Equifax for egregiously failing to remove inaccurate information from my credit report, despite being provided with official documentation ( 1099-C forms ) showing that the debt in question has been canceled. Under the Internal Revenue Code ( IRC ) 108, canceled debt is considered taxable income, and reporting it as an outstanding obligation is not only false but also misleading. I have submitted the appropriate 1099-C forms to each of the credit bureaus, yet they have continued to report the canceled debt as an active liability. This failure to update the information and remove the erroneous entry has caused significant harm to my creditworthiness, damaged my financial reputation, and subjected me to emotional distress. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : Under the FCRA, credit reporting agencies are legally required to investigate and correct inaccurate or incomplete information in consumer credit reports. The agencies failed to remove the canceled debt despite my providing irrefutable evidence that the debt was canceled and considered taxable income. Internal Revenue Code ( IRC ) 108 : The IRC defines canceled debt as taxable income, and once the debt is canceled, it no longer exists as a liability in the consumers financial obligations. Failing to reflect this change in my credit report is not only unlawful, but it is also misleading and harmful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The Supreme Court ruled that " inaccurate information that harms a consumers credit standing is a concrete injury, '' and recognized that the risk of harm caused by inaccurate information on credit reports is sufficient to establish standing for claims under the FCRA. The continued reporting of this canceled debt constitutes harm to my reputation, creditworthiness, and financial standing, as well as emotional distress. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The XXXX reaffirmed that consumers suffer concrete harm when inaccurate credit information is disseminated to third parties, such as potential creditors. The ongoing reporting of this canceled debt by the credit bureaus has caused irreparable damage to my ability to obtain credit and has subjected me to financial disadvantage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This case held that credit reporting agencies have a duty to ensure the accuracy of information they report, and failure to update or remove inaccurate information, such as canceled debt, violates consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX FL XXXX Transunion Legal Compliance Department NOTICE : CEO & Legal Compliance Department According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you furnish on a credit report and credit file. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Lawful Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively lawfully verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of lawful verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be lawfully verified or removed immediately. 

Name of Account Account Number Provide Physical Lawful Verification XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Sincerely, 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 2024-12-15 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: NY

Complaint narrative:
I would like these account remove so my credit report can report accurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.

Complaint narrative:
Transaction Hash / receipt XXXX Sent to my own coinbase account at : XXXX The network was scanned and confirmed that it's valid but once transaction was completed and confirmed the funds remain in a limbo. 

I tried XXXX XXXX, which states the recovery supports the network XXXX and XXXX XXXX  XXXX, but declined my attempts to recover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: MD

Complaint narrative:
this dept doesnt belong to me and i need it deleted off asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: MD

Complaint narrative:
I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: WI

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information. 

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$3100.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management continues to report erroneous information on my consumer credit profile for two accounts with this company, one for a balance of {$650.00} and the other for {$1000.00}. I have no contract or agreements where I ever did business and owed money to this collection agency. I have contacted this company via certified mail to have this violation rectified and removed from my consumer credit profile as it blatantly violates the law. Lastly on my consumer profile this company has itself listed as the original creditor and again has failed to proper identify the nature of the debt violating my consumer rights. 

If a collection agency fails to report the original creditor when they are required to do so, they may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, debt collectors are required to provide certain information to the consumer, including the name of the original creditor, particularly if the consumer requests it. If the collection agency does not report the original creditor when asked or fails to provide accurate and complete information about the debt, they could be violating the law. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), if a collection agency reports incorrect or incomplete information to credit bureaus, they could also be in violation of the law. Credit reporting must be accurate and include sufficient details, which often includes identifying the original creditor. 

If a collection agency is not complying with these requirements, the consumer may file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seek legal action against the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX

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 2024-12-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
After several requests for documentation used to deny my fraud claim, FISERV sent the attached single-page letter dated XX/XX/year>. 

As you can see, the information ( numbers ) pasted on the page are not explained or detailed in anyway and the assertion that funds were received by the intended financial institution XXXX XXXX with account ending XXXX not true. It is critical to note that some of the information is blacked out or redacted! 

Only in XX/XX/year> did FISERV reveal that it believes that I am responsible for the disputed transaction. Let me state again that I did not make the transaction and FISERV can not prove that I made the transaction by virtue of the fact that I did not make the transaction. I will not allow FISERV to call me a liar and steal my money.

Since I did not make the disputed transaction, who did? Because of FISERVs resistance to transparency, I suspect the transaction was committed by someone inside Money Network. Rather than addressing its internal fraud problem, FISERV seeks to absolve itself from responsibility by trying to pin the transaction on me with false allegations and ambiguous and incomplete communication. FISERVs denial tactics are insulting, disingenuous, and criminal.

Lastly FISERV invites me to call the number on the back of the card with questions. When I call this number all that I am told by the customer service representative is that my claim has been denied without further explanation. There is a complete disconnect between customer service ( in Georgia ) and Dispute Operations ( in Nebraska ).

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 2024-12-16 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is inaccurately reporting a XXXX card account on my credit report. This account and its balance do not belong to me. This is a clear case of identity theft and fraud, and I have submitted reports multiple times to address this issue. I am formally requesting the immediate removal of this account, as outlined in the attached letter.

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 2024-12-16 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXX XXXX dated on 12.15.2024 15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXX dated on 12.15.2024 15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXXXXXX XXXX XXXX dated on. 12.15.2024 15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXXXXXX XXXX dated on 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