vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: WA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-06 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 am writing to formally request the blocking and deletion of the following fraudulent account and associated inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my consent or knowledge. In accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the fraudulent information be removed from my credit file. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX - XX/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 non-monetary relief
Consumer complaint received 2024-12-06 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I notice that money is debited from my account but when it is refunded or adjusted by the merhant, it is not credited fully back to my account. XXXX XXXX then credits my account and debits the credit to cancel it out resulting in a loss on my end. I had a dispute request on XX/XX/year>, the representative was a supervisor and lied about submitting a dispute. I had to call back XXXX days later to have an actual supervisor initiate the dispute. My account was debited past the limited overdraft protection threshold on a frozen debit card for a transaction that was previously declined on a frozen card. When I inquired about this, it was not investigated or resolved. Recently, XX/XX/year> {$100.00} was moved from my savings account to my checking without my authorization. I had this exact same issue at the beginning of this year as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 non-monetary relief
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX bank XXXX Tbom/contfin XXXX Self financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to section 15 U.S. Code 1692g ( Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XX/XX/year> MOHELA XXXX XXXX XXXX XXXX, MO XXXX Dear MOHELA Loan Servicing Team, I am writing to request an immediate update and correction to my student loan account. I have received IRS Forms XXXX which confirm the discharge of my student loan obligations totaling {$14000.00} across XXXX loans. However, my MOHELA account remains inaccurately reported, as the loans are still reflected on my consumer credit reports, and I am continuing to receive incorrect billing statements. 
Account Information Borrower Name : XXXX XXXX Total Loan Amount : {$14000.00} ( XXXX Loans ) Discharge Evidence : Copy B of XXXX attached Request for Action XXXX. Account Update : Please update my MOHELA account to reflect the loan discharge and confirm a {$0.00} balance. 
XXXX XXXX XXXX XXXX XXXX Notify all credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX to remove any negative or active entries associated with these XXXX loans. 
XXXX. Cease Billing Statements : Discontinue all billing statements or communications related to these XXXX loans. 
Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form XXXX ( Cancellation of Debt ) These documents clearly establish that my loans have been XXXX in compliance with applicable federal and contractual guidelines. 
Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You XXXX contact me directly. 
If this matter is not resolved promptly, I will escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory bodies to ensure compliance with federal laws regarding loan discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, Without Recourse XXXX XXXX Enclosures : Copy of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-06 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: LA

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance {$0.00} SELFINC/LEAD XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$910.00} XXXX XXXX Balance {$710.00} XXXX  XXXX XXXX Balance {$510.00} XXXX XXXX Balance {$1400.00} XXXX XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX CO XXXX Balance {$2800.00} XXXX CRED Original Creditor : FIRST XXXX BANK XXXX XXXX {$770.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX Balance {$160.00} CREDENCE RESOURCE XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX & XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance {$370.00} Chapter XXXX Bankruptcy XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2024-12-06 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: AL

Complaint narrative:
These accounts are reporting inaccurately and its unfair debt collection practices. These accounts have different amounts for each bureau and XXXX XXXX XXXX account is reporting twice on my report with different amounts owed which is misleading and unfair debt collection practices. These accounts are hindering me from obtaining a vehicle for my business that will allow me to make more income. These XXXX companies hasn't been verified by the company and they haven't provided me all proper documents saying the balance is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 & 15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt XXXX. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods XXXX other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

I demand that these accounts be deleted within 4 days before filing litigation. These accounts are hindering me in more ways than 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 2024-12-06 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: GA

Complaint narrative:
Request for Debt Validation : Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX ( CLOSED ) account # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX I am writing in response to your recent communication regarding a debt you claim I owe. I dispute this debt and request validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : Verification of the Debt : Proof that I am the legal and rightful owner of the debt in question. 
Details of the XXXX XXXX : A complete breakdown of the original debt, including the creditors name and details of the original amount owed. 
Proof of Your Authorization : Documentation that establishes your right to collect this debt on behalf of the original creditor. 
Detailed Account Records : A complete accounting of the debt, including the balance, interest, fees, and how these were calculated. 
XXXX of Limitations : Confirmation of the date of the last payment made on the account to determine if the debt is within the statute of limitations for collection in my state. 
Until this debt is validated, please cease all collection activities, including reporting this debt to any credit reporting agencies, as per the FDCPA. Reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

This letter is not an acknowledgment of the validity of the debt nor a promise to pay. It is a formal request for verification and validation of the debt you claim I owe. 

If you can not provide sufficient proof to validate this debt, you are required to cease collection activities immediately and remove any related information from my credit reports. 

Please respond to this request within 30 days of receipt of this letter. Failure to do so will be taken as your inability to validate the debt, and I will consider this matter closed. 

Thank you for your prompt attention to 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 2024-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Request for Debt Validation : Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX ( CLOSED ) account # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX I am writing in response to your recent communication regarding a debt you claim I owe. I dispute this debt and request validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : Verification of the Debt : Proof that I am the legal and rightful owner of the debt in question.

Details of the Original Creditor : A complete breakdown of the original debt, including the creditors name and details of the original amount owed.

Proof of Your Authorization : Documentation that establishes your right to collect this debt on behalf of the original creditor.

Detailed Account Records : A complete accounting of the debt, including the balance, interest, fees, and how these were calculated.

Statute of Limitations : Confirmation of the date of the last payment made on the account to determine if the debt is within the statute of limitations for collection in my state.

Until this debt is validated, please cease all collection activities, including reporting this debt to any credit reporting agencies, as per the FDCPA. Reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

This letter is not an acknowledgment of the validity of the debt nor a promise to pay. It is a formal request for verification and validation of the debt you claim I owe. 

If you can not provide sufficient proof to validate this debt, you are required to cease collection activities immediately and remove any related information from my credit reports. 

Please respond to this request within 30 days of receipt of this letter. Failure to do so will be taken as your inability to validate the debt, and I will consider this matter closed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am writing to formally lodge a complaint against Merrill Lynch XXXX Bank XXXX XXXX ) regarding a series of negligent actions and unfair practices that have caused me significant financial loss and mental distress. 

XXXX of Events : XXXX XX/XX/year> : Sold ESPP shares and requested a wire transfer of {$11000.00} to my bank account in XXXX. 
XXXX XX/XX/year> : Contacted Merrill Lynch XXXX XXXX helpline to confirm wire transfer. 
XXXX XX/XX/year> : Contacted Merrill Lynch for an update as funds were not received. Merrill Lynch stated the wire transfer was completed on XXXX XXXX and funds would be available within XXXX working days. 
XXXX XX/XX/year> : Funds still not received. Reached out to my bank in XXXX ( XXXX XXXX Bank ) and requested an XXXX from Merrill Lynch. 
XXXX XX/XX/year> : Received XXXX from Merrill Lynch and sent it to my bank in XXXX for tracing the funds. 
XXXX XX/XX/year> : My bank in XXXX requested an authenticated XXXX from Merrill Lynch, as they were unable to trace the funds. 
XXXX XX/XX/year> : Merrill Lynch claimed there was no such thing as an authenticated XXXX. 
XXXX XX/XX/year> : My bank in XXXX confirmed they had not received any inward remittance and suggested checking with the sender bank, Bank XXXX XXXX. 
XXXX XX/XX/year> : Requested a wire reversal from Merrill Lynch. Within 2 days, the funds were returned to my brokerage account, but the amount was only {$11000.00}, approximately {$370.00} less than the original amount. 
Issues : Negligence and XXXX : Merrill Lynch failed to provide timely and accurate updates on the wire transfer status, causing significant delays. 
Lack of Proper Documentation : Merrill Lynch was unable to provide an authenticated XXXX, hindering the tracing of funds. 
Financial Loss : I incurred a loss of {$370.00} due to the wire reversal, despite providing accurate account and transfer details. 
XXXX XXXX : The prolonged process and lack of clarity caused immense mental distress, as the funds were needed for debt payment. 
Funds XXXX : The money was always with Merrill Lynch and never reached my bank account in XXXX. The successful wire reversal within XXXX working days further confirms that the funds were not with my XXXX bank, as additional permissions would have been required for such a reversal if the money had been with them. 
This situation is a clear case of negligence, unfair practice, and possible exploitation through unnecessary charges and unfavorable currency conversion rates. I request the CFPB to take necessary actions against Merrill Lynch to ensure accountability and prevent such occurrences in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2024-12-06 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: NY

Complaint narrative:
I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and as a result, my personal information has been used without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$300.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$7000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$6200.00} XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$450.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$620.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$760.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$430.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/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 non-monetary relief