vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " XXXX XXXX '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is XXXX  days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX J Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within XXXX  days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

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 2025-01-08 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that XXXX deleted are going to be attached in a word document. I am a victim of identity theft. I havemultiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that theseitems be deleted so my credit report will only show accurate information. I reported the theft of myidentity to the Federal Trade Commission and have enclosed copies of the report. I would like theseitems deleted from my credit report as soon as possible. Please block this information from my creditreport, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-08 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: LD Holdings Group, LLC
State: NM

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights.Under 15usc 1681 section602, states I have the right to privacy. 15usc 1681section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
Credit cards or credit lines is showing 127 % on Experian for Credit on Cards but there is only XXXX on the lines of credit and XXXX is used, which should be lower just waiting for the credit cards to update the information. 

If you look at XXXX and XXXX they show the property information but for some reason Experian is showing something a lot different that is affecting my score. 

I know there are some issues with my account that I'm trying to work through. I had a company I left my son and items that should be business related are showing up on my credit report and working with an attorney to correct. However, Experian is extremely difficult to work with and they don't seem to do extensive investigations to ensure their information is correct.

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 2025-01-08 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: Upstart Holdings, Inc.
State: KS

Complaint narrative:
On XXXX XX/XX/XXXX I was informed that InDebted had taken over my account from UpstartXXXX. The amount was XXXX. 

On XXXX XX/XX/XXXX contacted XXXX with a verification letter. 

On XXXX XX/XX/XXXX contacted XXXX with a validation letter requesting a purchase agreement. 

XXXX XX/XX/XXXX XXXX responded saying the account was closed. 

The purchase agreement was never disclosed and without that agreement the current amount is inaccurate. Furthermore, if the account is closed it should reflect on all credit reporting agencies. 

I have attached all letters and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report. 

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " XXXX XXXX '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is XXXX days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX J Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within XXXX  days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

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 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report. 

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " XXXX XXXX '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is XXXX days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX J Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within XXXX days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

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 2025-01-08 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:
In XX/XX/XXXX, I noticed that there was another loan on my account I didnt recognize, and it was from a College I wasnt familiar with. And that I never communicated with or ever did a parent plus loan with. So I was confused about why this loan was on my account. 

I reached out to the XXXX and my loan servicer XXXX, and I reached out to the Department of Education. 

Expressing my concern, and trying to find out how this loan came about. After being consistent in calling the XXXX, and speaking to multiple people, I found out my MPN # was used and attached to a loan I never requested nor approved or received. 
The XXXX had used my credentials without my permission, or knowledge. 
I never consented to a parent plus loan for myself or a student at XXXX XXXX, and the paperwork they sent me shows a loan request with incorrect information for myself address, a forged signature, and a fraudulent email that was used for communication. I advised my loan servicer, XXXX and the Department of Education, and got push back on it. They were not supportive at all, and actually was accusing me of this act themselves. 
I have been mistreated, treated unfairly, and unjustly. All my identity theft and mis usage of my Promissory note, and Forged signature, as well as Violating my rights with the student federal guidelines. All of this has been disregarded by my loan servicer as not being relevant, because my MPN # matched, And it matched because it was taken from a Promissory note I previously had on file with Student aid from XXXX. Not because I provided this information to the XXXX voluntarily. I never gave XXXX XXXX permission to distribute a loan to anyone using my credentials and Master Promissory note. I disputed this with the credit bureaus and Dept of Education ( XXXX ) keeps verifying this Fraudulent student loan is accurate. Although they are fully aware that all my credentials didnt match. 
And the loan was never sent in my name, to me and was never sent to a bank account in my name. They are not assisting me with the violation of the School, but in turn is agreeing with with fraudulent loan and allowing the School to use my information without any repercussions or requesting them to take accountability for distributing a loan without using the proper guidelines. 


I AM BEING DISCRIMINATED AGAINST, and because of their statements made in multiple emails. They are also providing Defamation of my Character.

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 2025-01-08 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: IL

Complaint narrative:
In XX/XX/XXXX, I noticed that there was another loan on my account I didnt recognize, and it was from a College I wasnt familiar with. And that I never communicated with or ever did a parent plus loan with. So I was confused about why this loan was on my account. 

I reached out to the XXXX and my loan servicer XXXX, and I reached out to the Department of Education. 

Expressing my concern, and trying to find out how this loan came about. After being consistent in calling the College, and speaking to multiple people, I found out my MPN # was used and attached to a loan I never requested nor approved or received. 
The XXXX  had used my credentials without my permission, or knowledge. 
I never consented to a parent plus loan for myself or a student at XXXX XXXX, and the paperwork they sent me shows a loan request with incorrect information for myself address, a forged signature, and a fraudulent email that was used for communication. I advised my loan servicer, XXXX and the Department of Education, and got push back on it. They were not supportive at all, and actually was accusing me of this act themselves. 
I have been mistreated, treated unfairly, and unjustly. All my identity theft and mis usage of my Promissory note, and Forged signature, as well as Violating my rights with the student federal guidelines. All of this has been disregarded by my loan servicer as not being relevant, because my MPN # matched, And it matched because it was taken from a Promissory note I previously had on file with Student aid from XXXX. Not because I provided this information to the XXXX voluntarily. I never gave XXXX XXXX permission to distribute a loan to anyone using my credentials and Master Promissory note. I disputed this with the credit bureaus and Dept of Education ( XXXX ) keeps verifying this Fraudulent student loan is accurate. Although they are fully aware that all my credentials didnt match. 
And the loan was never sent in my name, to me and was never sent to a bank account in my name. They are not assisting me with the violation of the School, but in turn is agreeing with with fraudulent loan and allowing the School to use my information without any repercussions or requesting them to take accountability for distributing a loan without using the proper guidelines. 


I AM BEING DISCRIMINATED AGAINST, and because of their statements made in multiple emails. They are also providing Defamation of my Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I am writing to dispute several hard inquiries listed on my credit report, which I believe are the result of unauthorized access to my personal information due to a data breach. These inquiries were not authorized by me and were made without my consent. I request that these inquiries be removed from my credit report pursuant to the following laws : XXXX. 15 U.S.C. 6802 : This section of the XXXX XXXX protects consumers by restricting the disclosure of nonpublic personal information, which includes personal data involved in data breaches. Unauthorized access to my personal information violates these protections. 
XXXX. 45 U.S.C. 1681b : Under this section of the Fair Credit Reporting Act ( FCRA ), credit reports may only be accessed for permissible purposes. The inquiries listed on my credit report were made without my authorization and do not meet the legal requirements for permissible purposes. 
XXXX. 18 U.S.C. 1028A : This section criminalizes the unauthorized use of personal identification information. The fraudulent hard inquiries resulting from the data breach constitute a violation of this statute. 
The inquiries in question were made by the following institutions on the following dates : XX/XX/year> by XXXXXXXX XXXX XXXXXX/XX/year> by XXXX XX/XX/year> by XXXX XX/XX/year> by XXXX XXXX XXXX Since these inquiries stem from unauthorized access to my personal information, I request that you remove them from my credit report immediately. The presence of these inquiries on my credit report is damaging and a direct result of identity theft.

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 2025-01-08 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: NY

Complaint narrative:
The inaccuracies on my credit report are absolutely damaging and reflect accounts that do not belong to me. I am outraged that multiple complaints have resulted in no action whatsoever.

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 2025-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
See the submitted attachments : a cover letter and a complete report of the incident. 
Briefly, I was not billed through the mail for XXXX  months, then billed missed payment fees for not paying what I didn't get bills for. When I did get a bill I paid it the next week, but not the penalty fees. The penalty fees have now blossomed to {$130.00}. No help talking to the bank, and the store manager tried to help, but was told he could not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: NM

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights.Under 15usc 1681 section602, states I have the right to privacy. 15usc 1681section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

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