vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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:
RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to information published and provided by you to Transunion, XXXX, and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/ reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you included in your consumer reports that you prepared concerning e. your prompt attention to this important matter is requested in order to comply with federal law.

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 2025-01-07 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: FL

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

SincerelyXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX BANK XXXX XXXX SYNCB/AMAZON XXXX XXXX XXXX XXXX AUTO XXXX FCO XXXX ABILITY RECOVERY SERVI XXXX ABILITY RECOVERY SERVI XXXX Collection XXXX Collection XXXX UPGRADE XXXX XXXX XXXX XXXX DISCOVERBANK XXXX COMENITYCB/ZALESOUTLET XX/XX/year>

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 2025-01-07 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2025-01-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I sent a formal dispute letter to Equifax regarding inaccuracies on my credit report. Specifically, I disputed the following accounts : XXXX ( Account Number : XXXX ) : I requested verification of the original promissory note, a complete account history ( including all payments and correspondence ), and evidence of timely reporting. 
XXXX ( Account Number : XXXX ) : I disputed the accuracy of a reported late payment from XX/XX/XXXX and requested documentation verifying compliance with FCRA 623, including a full audit trail and delinquency notices. 
XXXX ( XXXX XXXX  ) ( Account Number : XXXX ) : I disputed late payments reported for XX/XX/XXXX and XX/XX/XXXX, requesting creditor correspondence and proof of timely reporting. 
In my letter, I outlined my concerns and explicitly requested that Equifax conduct a thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). I also demanded that Equifax provide verification or supporting documentation for the accuracy of these accounts, or remove any accounts that could not be substantiated. 

As of today, XX/XX/XXXX, I have received no response from Equifax, nor have the disputed accounts been updated, corrected, or removed. This failure to respond violates FCRA 611 ( a ) ( 1 ) ( A ), which mandates credit bureaus to complete investigations and provide results within 30 days of receiving a dispute. 

This lack of action has caused undue stress and delays in addressing these inaccuracies on my credit report. I request that the CFPB intervene to ensure Equifax complies with the FCRA by : Investigating the disputed accounts thoroughly and providing me with a response. 
Removing all accounts that can not be verified or substantiated with appropriate documentation. 
I have attached a copy of my original dispute letter, my credit report highlighting the disputed accounts, and all relevant supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
The homeowners insurance amount from XXXX is {$1800.00} annually. On the escrow review form the mortgage company Mr Cooper lists it as {$2800.00}. I tried to explain to them and they simply insisted the amount is correct. I confirmed with XXXX it is {$1800.00} and sent documentation to Mr Cooper and have gotten no response. It is impossible to get them to simply look into the matter and provide a accurate statement before I make payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to dispute the inaccurate information being reported by LVNV Funding regarding three accounts that are currently listed on my credit report. The account numbers are as follows : XXXX XXXX XXXX I am informing you that I have never had any agreement with LVNV Funding nor do I recognize any of these accounts. Additionally, there is no original creditor listed on either of the accounts, which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have already requested debt validation from LVNV Funding regarding these accounts, but to date, I have not received any verification of the debts as required by law. Furthermore, these accounts are not being reported in accordance with the regulations stipulated by the FCRA and FDCPA. 

I demand that these accounts be deleted from my credit report immediately. I would also like LVNV Funding to reference the case of XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information and adhere to FCRA guidelines. 

Please address this dispute promptly and notify me of the actions taken. I expect these accounts to be removed from my credit report without further delay. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Synovus Bank
State: TX

Complaint narrative:
My previous complaint was XXXX and the details that I requested was willfully ignored. I asked for the information of transactions as proof of card usage before closing of account. Multiple complaints was filed requesting these details and Ive only received vague information along with details post closure of the account. Ive recently learned that this behavior is a violation of the fair credit reporting and I will be due compensation if I can show proof of willful disregard. Legally all information required needs to be provide of the reporting account will be considered fraud and removed by the credit bureaus and compliance to fair credit reporting guidelines. XXXX1st progress stated that the account was used for purchases and no payments were made. Please provide the proof of these purchases with the merchant details dates and times. When the account was initially closed, there was a XXXX balance due to the fact that there was zero transactions ever made with the account. Please refrain from giving me information about fees and other accumulative matters post closure. Provide only the transaction, history of merchants in which those transactions transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-01-07 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: FL

Complaint narrative:
Upon reviewing my credit reports, I noticed significant discrepancies in the reporting of the XXXX  account ( Account Number : XXXX ). The balance is reported as {$0.00}, yet the status shows {$660.00} written off, indicating conflicting and inaccurate information. Furthermore, the highest balance reported as {$660.00} conflicts with the original credit limit of {$250.00}. 

Additionally, the payment history shows inconsistent updates without clear verification of which information is accurate. These repeated updates and inconsistencies violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. 

Due to these inaccuracies and the failure to provide a clear, accurate, and verifiable report of this account, I request the immediate deletion of this account from my credit report. 

Please address this matter promptly to avoid further violations of the FCRA.

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 2025-01-07 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: UT

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/XXXX, I initiated a wire transfer of {$10000.00} from my Citibank account to XXXX via XXXXXXXX XXXX On XX/XX/XXXX, XXXX requested verification, but Citibank failed to notify me despite having my updated contact information. 

On XX/XX/XXXX, I made multiple calls to Citibank, but their representatives did not inform me of the verification request, leading to unnecessary delays. This failure to communicate caused significant inconvenience, financial harm due to missed investment opportunities, and additional costs for international calls. 

I request a formal explanation for these failures and compensation for the financial and time losses incurred.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am disputing the collection account with BANK OF AMERICA , N.A . account number XXXX dated XX/XX/year>, with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that BANK OF AMERICA, N.A, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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