vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I requested the description of investigation procedures according to 15 usc 1681 ( 7 ) states if requested by consumer this must be provided with in 15 days in order to be in compliance with FCRA guidelines and I was not provided with those procedures within the 15 days which was submitted.I also let the bureaus know that due to FERPA violations done in the Department of Education, that they should delete and remove for the violation of my right of privacy and exposure of personal information. The only one that complied with the FERPA violation is XXXX and they have removed and deleted the Department of EducationXXXX account XXXX XXXX saw the inaccurate information reporting and they had done the investigation properly and deleted the account. If Transunion and XXXX was following their reinvestigation procedures like they should have they would have seen that XXXX deleted the account but they are not investigating according to the FCRA guidelines and taking the word of the furnisher. I also sent Transunion the following : Simply parroting information from data furnisher without actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX Transunion XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX 1997 ) and they still verified. The Webbankavant, XXXX  XXXX who sold to another collector and I sued and won and so not collecting, XXXXXXXX XXXX and Department of EducationXXXX XXXX XXXXeeps getting verified when if the investigation procedures were done correctly would not be reporting. These account are different in each bureau. This is harming the correct reporting and preventing me from having a valid report from the bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to Title 15, United States Code, Section 1681c-2, and to request that this information be blocked. I am enclosing a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Pursuant to Title 15, United States Code, Section 1681c-2, when a consumer files an identity theft report, credit reporting agencies must block any information the consumer identifies as a result of identity theft within four business days. The following information on my credit report is the result of identity theft and should be blocked : XXXX. ACCOUNT NAME : XXXX XXXX XXXX  XXXX : XXXX XXXX reported debt {$5400.00} As required by Title 15, United States Code, Section 1681c-2, please block this fraudulent information from my credit report immediately. This information must be blocked for one year, at which time I can request an extension of the block. During the block, it can not be reported as it no longer contains fraudulent information. I have called the agency several times reporting these fraudulent accounts on my report, and EXPERIAN has not wanted to give me a solution to this problem, which is totally affecting me from being able to buy a new house for my children. These accounts were deleted and were not verified by other agencies. I do not understand how they usually claim these accounts are mine. I have requested contracts from this company with my information and for over 60 days I have not received a response. Please help me delete these accounts immediately. I'm attaching the FTC report, hoping you'll take a more effective approach to my situation. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to Title 15, United States Code, Section 1681c-2, and to request that this information be blocked. I am enclosing a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Pursuant to Title 15, United States Code, Section 1681c-2, when a consumer files an identity theft report, credit reporting agencies must block any information the consumer identifies as a result of identity theft within four business days. The following information on my credit report is the result of identity theft and should be blocked : XXXX. ACCOUNT NAME : XXXX XXXX XXXX  XXXX : XXXX XXXX reported debt {$5400.00} As required by Title 15, United States Code, Section 1681c-2, please block this fraudulent information from my credit report immediately. This information must be blocked for one year, at which time I can request an extension of the block. During the block, it can not be reported as it no longer contains fraudulent information. I have called the agency several times reporting these fraudulent accounts on my report, and EXPERIAN has not wanted to give me a solution to this problem, which is totally affecting me from being able to buy a new house for my children. These accounts were deleted and were not verified by other agencies. I do not understand how they usually claim these accounts are mine. I have requested contracts from this company with my information and for over 60 days I have not received a response. Please help me delete these accounts immediately. I'm attaching the FTC report, hoping you'll take a more effective approach to my situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: ME

Complaint narrative:
On Monday, XX/XX/year> I accidentally overpaid the balance on my credit card. My intention was to pay down my current balance to XXXX, so I " thought '' through the website that if I did a XXXX time payment amount {$5200.00}, that the " usual '' monthly statement amount would be stopped or overridden since it did not appear on the webpage that appeared for me to do this transaction. I checked the balance on Wednesday, XX/XX/year>. I was horrified that credit card company, Elan Financial Services took both the statement amount {$3400.00} and the XXXX time amount {$5200.00} on that same day making my credit card balance a whopping minus {$3200.00} bal. I contacted XXXX XXXX XXXX customer service billing department and requested that they immediately return the over payment to my checking account since they withdrew more than {$8000.00} from my checking account and caused me to have overdraft charges. I was promised that the quickest way to resolve this was for me/them to request internally a reversal of the {$3400.00} error of payment and was told that I could expect it back in my checking account in 7 days. So yesterday, Wednesday, XX/XX/year> I contacted the same group and spoke with XXXX who answered the call and then I requested a supervisor, XXXX who informed me that with this amount of refund has to go to a committee for " Review which takes up to XXXX BUSINESS days!! '' This basically translates to XXXX weeks! The explanation given was " they have to make sure the money clears ''.. I informed XXXX it has cleared since I have a large credit balance on my statement currently and my checking account is lacking the amount listed above. They are refusing to return the over payment and I am not happy about how they are handling this complaint. They basically told me that I will have to wait for them to do their thing what ever that is, I am not sure. I will cancel any and all transactions with this group and not recommend using this company for ANY financial services including credit cards!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX filing a report because my creditor is reporting late payments on my account JPMCB card ( starting with XXXX ) or ( ending with XXXX ) that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 USC1681S 2A furnishers must report accurate information under 15 USC 1681I the credit bureaus must perform a reasonable investigation within 30 days. Neither of tthem have provided sufficient evidence to support the negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
XXXX filing a report because my creditor is reporting late payments on my account JPMCB card ( starting with XXXX ) or ( ending with XXXX ) that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 USC1681S 2A furnishers must report accurate information under 15 USC 1681I the credit bureaus must perform a reasonable investigation within 30 days. Neither of tthem have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: The J. G. Wentworth Company
State: MI

Complaint narrative:
I had medical issues that caused me to no longer be able to work. Once I was aware of this I contacted JG Wentworth, the company that I had went through for debt relieve. I informed them that I would not have money in the account set up to make the charges through, and that it was due to loss of work, requesting a hold on charges until money was coming back in. They agreed, after informing me that doing so would impact my repayment schedule, and my ability to negotiate debt relieve. I agreed to this condition, and had the charges stopped. The next week they charged my account, causing it to go into the negative causing more fees to be incurred. I have attempted to get a stop to charges and a refund since then, and have been unable to. The charges are XXXX weeks, at current they have put my account at XXXX negative, each charge costs XXXX extra for a fee due to the funds not being there. I have repeatedly requested stop to charges and refund/reimbursement of fees and charges incurred due to the charges being made after a request to stop was made, making the charges fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I do not acknowledge this debt and request the following information : 1. Proof that I owe this debt, including a signed agreement or contract with the original creditor.

2. The name and address of the original creditor and details of the debt, including the amount and how it was calculated.

3. Proof that your agency is authorized to collect this debt, including documentation that the debt was legally transferred or assigned.

4. A copy of any judgment, if applicable.

5. Verification that the debt is within the statute of limitations for collection in my state.

If you are unable to provide this information, I request that you cease all collection efforts and remove any negative reporting from my credit file. I hereby inform you that you do not have my consent to communicate through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Please note that under the FDCPA, you must stop all collection activities until you provide proper validation. Which includes reporting to my consumer report with XXXX, XXXX, AND XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
I AM A VICTIM OF EQUIFAX DATA BREACH AND I NOTICE DEBT COLLECTION AND HARD INQURIES THAT I AM NOT FAMILAR WITH IVE ASK FOR VALIDATION HAVENT RECIEVED IVE DONE FTC REPORT DUE TO MY INFORMATION BEING BREACHED AND THESE ACCOUNTS ARE NOT MINE I WANT INVESTIGATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with the above-referenced account pursuant to section 605B. I request that you provide a full validation of this account, including all documentation that substantiates the existence and the amount of the debt.

Until I receive the requested validation, I do not acknowledge any liability for this account and request that you immediately suspend all collection activities. Furthermore, if this matter is reported to any credit reporting agencies, please ensure that my credit file is not adversely affected during your investigation.

I appreciate your prompt attention to this matter and expect a response within the time period required by law. If you require additional information from me to process this dispute, please contact me in writing at the address listed above. 

Thank you for your cooperation. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: EQUIFAX, INC.
State: MD

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that 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 include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IN

Complaint narrative:
The Company responded that they removed the account from my profile when requested in XX/XX/year>. The account is still present on my TransUnion account as I'm typing this message. It has not been removed after several failed attempts over the last few years. I've disputed this account at least XXXXhree times for the last few years. I've never done any business with this company. I'm also requesting the 1099C that was filed on behalf of this account proving that the debt has been fulfilled and canceled. I'm requesting {$5000.00} form the company for all the grief I have had to endure over the last few years as a result of this account innacurately being reported to my profile. If I do not get the response that I'm looking for here, I'm going to file a claim with The XXXX XXXX XXXX for the {$5000.00} with the hopes that companies such as this XXXX start to do the right thing by consumers and their credit standing. I'm sending my current TransUnion account as proof that this account is still inaccurately reporting on my profile right now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Before the expiration of the 5 business day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established wit the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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