vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am filing this formal complaint to address compliance concerns regarding XXXX credit reporting practices and to prevent potential inaccuracies from affecting my credit standing. While I have not yet seen any reports from TransUnion, I am aware of ongoing issues with their dispute resolution process and their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in consumer credit files. 

Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain accurate reporting of consumer credit information. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they must conduct a reasonable reinvestigation if any disputed information arises. Given that I have already experienced issues with other credit bureaus, I am proactively seeking confirmation that TransUnion will uphold its legal obligations should any disputes or inaccuracies arise in the future. 

Furthermore, TransUnion has faced regulatory action in the past for : XXXX. Failing to properly investigate consumer disputes and correct inaccurate information. 
XXXX. Neglecting to forward consumer-provided evidence to furnishers for verification. 
XXXX. Not adequately notifying consumers regarding dispute outcomes. 

To prevent similar issues from occurring with my credit profile, I am requesting that TransUnion ensure that no inaccurate or unverifiable accounts are reported in my name. If any accounts are added in error, I expect full compliance with FCRA guidelines and a timely resolution. 

Requested Action : XXXX. Confirm that my credit file with TransUnion is accurate and contains no incorrect or unauthorized accounts. 
XXXX. Ensure that any future disputes I may file are handled in full compliance with FCRA within the legally required timeframe. 
XXXX. Prevent any future reporting of inaccurate or unverifiable accounts that may impact my credit standing. 

I am submitting this preemptive complaint due to prior issues with credit reporting agencies and to ensure that my rights as a consumer are protected. Please find my identifying information attached to facilitate proper record-keeping. 

Thank you for your attention to this matter. I appreciate the CFPBs role in ensuring fair credit reporting practices and consumer protections.

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 2025-01-26 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: OH

Complaint narrative:
Subject : Dispute of Civil Liability for Negligence under 1681o Non-Compliance I am writing to formally dispute the claim regarding my credit report that was reported to your agency. The account in question is [ account number, if applicable ] and I believe that this account is inaccurate due to a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which pertains to civil liability for negligence. 

The account in question has been reported in a manner that is inconsistent with my understanding of the situation and the facts. I believe that your reporting practices, as they pertain to my information, were negligent and did not comply with the standards outlined in the FCRA, which has caused damage to my credit profile. 

As per Section 1681o, I am requesting that you correct the error and provide evidence of your compliance with the necessary procedures in verifying the accuracy of this account. Failure to do so would be a direct violation of the FCRA, which entitles me to both an amendment of the record and potential civil damages. 

Please investigate the matter and provide me with the following information : Verification that the information reported is accurate and that it complies with the standards of FCRA. 
Evidence of compliance with reasonable procedures to ensure the accuracy of the information. 
Any documentation or records pertaining to the reporting of this account. 
Please respond within 30 days of the receipt of this letter, as stipulated by the FCRA. If the information is not corrected within this time frame, I will be forced to take further action, including seeking remedies under civil liability for negligence as outlined in Section 1681o of the FCRA. 

I look forward to your prompt attention to this matter. Thank you for your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX XXXX {$2600.00} ACCT XXXX XXXX {$6300.00} ACCT XXXX XXXX XXXX {$4200.00} ACCT XXXXXXXX XXXX XXXXXXXX {$21000.00} ACCT XXXX XXXXXXXX XXXX  {$1300.00} ACCT XXXX XXXX XXXX XXXX$2800.00} ACCT XXXX XXXX XXXX {$13000.00} ACCT XXXX XXXX XXXX$3100.00} ACCT XXXX XXXX {$410.00} ACCT XXXXXXXX XXXX {$680.00} ACCT XXXXXXXX XXXX {$170.00} ACCT XXXX XXXX {$350.00} ACCT XXXXXXXX XXXX  {$26.00} ACCT XXXXXXXX XXXX  {$38.00} ACCT XXXX XXXX  {$330.00} ACCT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have TRANSUNION accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red wet-ink signature, that show I gave them written or verbal instructions to furbish information on my credit file. TRANSUNION has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!

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 2025-01-27 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The following accounts : 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 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Based on XXXX XXXX XXXX of 1974, and Privacy Act of 1974, I did not give my permission for my personal and loan information to be shared with third parties and/or servicers. Additionally, my loans should have been forgiven and XXXX based on guidelines under teacher forgiveness. 

Additionally, I would like to assert violations related to XXXX through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-01-27 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: TX

Complaint narrative:
This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$17000.00} ]. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. 
The debt is not mine. 
The debt was incurred due to fraud or identity theft. 

I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. 
The name of the original creditor. 
An explanation of how to obtain verification of the debt. 
A statement that I have the right to dispute the debt in writing within XXXX  days. 
I further demand that you issue me a Form XXXX within XXXX days of the date of this letter. A Form XXXX is required by the IRS to report the cancellation of debt income, which may have tax implications for me. 

Failure to comply with my requests and the requirements of the FDCPA within 10 days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws. Identity theft report and FTC report is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$17000.00} ]. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. 
The debt is not mine. 
The debt was incurred due to fraud or identity theft. 

I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. 
The name of the original creditor. 
An explanation of how to obtain verification of the debt. 
A statement that I have the right to dispute the debt in writing within XXXX days. 
I further demand that you issue me a Form XXXX within 10 days of the date of this letter. A Form XXXX is required by the IRS to report the cancellation of debt income, which may have tax implications for me. 

Failure to comply with my requests and the requirements of the FDCPA within XXXX days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws. Identity theft report and FTC report is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I have contacted first point collection resolution multiple times regarding medical debt that I do not have. They are saying that I owe them {$660.00}. I have looked at all of my hospital records and bills and I wasnt even at an appointment or hospital the day or any day for months before or after it says its from. I also have full coverage insurance so I never have to pay anything more than a copay. They just give me the run around every time I have tried to dispute it and are always extremely rude to me. I have also contacted every hospital organization Ive gone to and they also can not find that I owe any money. I also have not received any letters from them. They are trying to scam me out of money I dont owe as well as tanking my credit too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WV

Complaint narrative:
I applied for the SAVE plan in XXXX of 2024. My application was in process but when all the legal proceedings stated with SAVE, everything came to a halt, including processing of my application. Based on the legal ruling, I was supposed to be in administrative forebearance with 0 % interest rate from submission of my app through today 's date. Unfortunately, my loans were transferred to MOHELA for further handling, and despite several phone conversations about administrative forbearance promisded by the government, my loans have accrued interest during this peried and continue to based on interest rates shown on MOHELA account. In addition, although my loan repayment is not supposed to start during the forbearance, MOHELA continued to send me emails reminding me that I owe over {$2000.00} due each month. The automatic phone message when you call in says to ignore this notification, but I am worried that they continue to request money that is not due. I am a medical resident with a large student debt burden from medical school, and there is no way I can pay this amount per month ( when I earn about {$3200.00} per month ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Overdraft fees from atm checking accounts delay of money and payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am dissatisfied with TransUnion 's handling of my dispute because they failed to provide verification for an account that does not belong to me. I requested proof of the account 's accuracy and validity, but TransUnion did not supply the requested information. Despite multiple attempts to resolve this issue, TransUnion has not conducted a thorough investigation as required by Section 1681o of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681o.

TransUnions failure to verify the disputed account and its negligence in properly investigating the matter have resulted in a continued error on my credit report. This has caused financial harm and has not been resolved despite my efforts.

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 2025-01-27 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy And confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

15 U. S. C. 1681 Section 602 A, states I have right to privacy.

15 U. S. C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account written without my consent.

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 2025-01-27 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy And confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

15 U. S. C. 1681 Section 602 A, states I have right to privacy.

15 U. S. C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account written without my consent.

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 2025-01-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

HARD INQUIRIES Account name : XXXX XXXX : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXXDATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name XXXXXX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name :XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX-DATE : XX/XX/XXXX Account name : XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by TransUnion XXXX and XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instruction.

15. U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

COLLECTIONS Account name :XX/XX/XXXXXXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by TransUnion XXXX and XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instruction.

15. U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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