vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 )
Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I previously submitted a complaint on XX/XX/XXXX2024, complaint id XXXX. Transunion had been reporting a XXXX account that I requested a validation of debt, which I did not receive. Two different account open dates are also showing on Transunion and XXXX. 

The accounts were deleted from the Transunion database within a couple of days. The accounts are now appearing again in the Transunion datebase. 

Below is what I have previously submitted to both Transunion & CFPB around XX/XX/XXXX I will also upload the files. 

XXXX XX/XX/XXXX2024, I mailed out a letter to XXXX XXXX asking for a correction of error. I was requesting that XXXX XXXX  provide documentation that this account belongs to me. The package was received by XXXX XXXX  on XX/XX/XXXX 2024. 

There was no response from XXXX XXXX. On XX/XX/XXXX2024, I sent Transunion a letter requesting that the XXXX XXXX  account be removed from their database. 

As of today XX/XX/XXXX2024 XXXX XXXX  account remains in the Transunion database a clear violation of the FCRA. I was told by a Transunion representative that the XXXX account had been verified.

How so if I received nothing in the mail validating the debt from XXXX XXXX? How is the account verified by Transunion without XXXX XXXX  providing a time stamp or return receipt of the validated debt sent to me within 30 days?

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.

I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item ( s ) listed on my credit report.

Also, I noticed that XXXX XXXX  has reported the account to multiple credit bureaus with different account " Open Dates ''. A FCRA violation, ( proof included ) ***

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 2024-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I am a victim of identity theft and I have never applied for or opened any credit card accounts with American Express due to me being incarcerated. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am a victim of identity theft and I have never applied for or opened any checking, savings or credit card account with Truist Bank because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
The vehicle is not in my possession has been repossessed and a balance is still open, to properly solve this matter I need more information about the vehicle in the company that we possess the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
I still have student loans for schools thats has been closed such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Complaint Regarding Unauthorized Recurring Subscription Charge by XXXX XXXX To the Consumer Financial Protection Bureau, I am filing this complaint regarding a recurring subscription charge from XXXX XXXX that I attempted to cancel before the latest billing cycle. I have disputed this charge with American Express. I attempted to cancel my subscription both online and via phone prior to this renewal date ; however, XXXX XXXX continued to charge my account. 

One significant issue is that XXXXXXXX XXXX provides no receipt or confirmation for attempted cancellations, leaving customers without any verifiable proof of these attempts. In my case, their supporting documentation only states that I did not cancel, without providing actual evidence to support their claim. This lack of documentation severely limits customers ability to contest unauthorized charges.

Since my last use of the product was on XX/XX/XXXX, and my login on XX/XX/XXXX was solely to check account status after noticing the charge, I request an investigation into XXXX XXXX billing practices and a refund of the unauthorized charge. I am hopeful that CFPB can address the lack of transparency in XXXX XXXX cancellation process and prevent other consumers from facing similar issues. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
I requested national credit system to validate my debt XX/XX/year>. It is now XX/XX/year> & nation credit system still hasnt validated my debt which means theyre in violation of the FDCPA, the fdcpa gives collection agencies 30 days to validate debt or they must cease all communication & cancel all debt owed to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX  filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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:
Attention : TRANSUNION I would like all of my unauthorized inquiries, my derogatory remarks, collections, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Child Support Account Name : XXXX/DOFED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Secured Loan Account Name : DEPTEDXXXX  Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX  Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX  Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Utility Company Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Charge Account Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational

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 2024-10-30 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX  filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: MI

Complaint narrative:
XXXX XXXX XXXX and Transunion failed to specify Please provide the following : Agreement that grants the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

As well as written signature that I signed for the debt with XXXX XXXX XXXX. 


This account has already been removed from XXXX and XXXX and has yet to be deleted properly

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 2024-10-30 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX CARD Account number : 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 2024-10-30 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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:
Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), 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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), 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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2024-10-30 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: TX

Complaint narrative:
I did not authorize any one r company too run my credit too obtain any loan r any services for any use an I have a fraud alert on my credit report an wasn't notified before any action was taken

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 2024-10-30 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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