vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report after two previous disputes, which constitutes a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act ( FCRA ). 
Account Information : - Account Number : XXXX - Creditor Name : XXXX XXXX Date of Charge Off : XX/XX/year> - Amount : {$0.00} The account in question is an auto loan that was reported as charge off but has been paid in full. Despite providing documentation in previous disputes that demonstrates the inaccuracies of this information, TransUnion has failed to remove it from my credit report. Additionally, this account is reported solely by TransUnion and not by other credit bureaus, which further indicates an error in the reporting. 
The FCRA requires credit bureaus to delete disputed information within five business days after the reinvestigation if the dispute is not resolved, as stipulated in 15 U.S. Code 1681i ( 5 ). The continued presence of this incorrect account on my report violates the following FCRA provisions : 1. 15 U.S. Code 1681e ( b ) - Credit bureaus are legally required to ensure maximum accuracy of the information they report. The fact that this charge off appears exclusively in TransUnions report suggests that TransUnion has failed to verify the accuracy of its data.

2. 15 U.S. Code 1681i ( a ) - TransUnion is required to conduct a reasonable reinvestigation when the accuracy of any item in the report is questioned. The failure to correct the disputed information after two attempts constitutes a violation of this obligation. 
TransUnions lack of compliance has caused significant financial damage and emotional distress, impacting my ability to access credit fairly. I request the CFPB to investigate this matter thoroughly and take the necessary actions against TransUnion for its continued non-compliance with the Fair Credit Reporting Act. 
I am seeking the immediate deletion of this inaccurate account from my credit report and any other remedies deemed appropriate by the CFPB to ensure that TransUnion fulfills its legal obligations. Attached to this complaint, please find the supporting documentation, including the original disputes, proof of payment for the auto loan, and my current credit report reflecting the erroneous information. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in enforcing compliance with 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 explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report after two previous disputes, which constitutes a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act ( FCRA ). 
Account Information : - Account Number : XXXX - Creditor Name : XXXX - Date of Charge Off : XX/XX/year> - Amount : {$0.00} The account in question is an auto loan that was reported as charge off but has been paid in full. Despite providing documentation in previous disputes that demonstrates the inaccuracies of this information, TransUnion has failed to remove it from my credit report. Additionally, this account is reported solely by TransUnion and not by other credit bureaus, which further indicates an error in the reporting. 
The FCRA requires credit bureaus to delete disputed information within five business days after the reinvestigation if the dispute is not resolved, as stipulated in 15 U.S. Code 1681i ( 5 ). The continued presence of this incorrect account on my report violates the following FCRA provisions : 1. 15 U.S. Code 1681e ( b ) - Credit bureaus are legally required to ensure maximum accuracy of the information they report. The fact that this charge off appears exclusively in TransUnions report suggests that TransUnion has failed to verify the accuracy of its data.

2. 15 U.S. Code 1681i ( a ) - TransUnion is required to conduct a reasonable reinvestigation when the accuracy of any item in the report is questioned. The failure to correct the disputed information after two attempts constitutes a violation of this obligation.

TransUnions lack of compliance has caused significant financial damage and emotional distress, impacting my ability to access credit fairly. I request the CFPB to investigate this matter thoroughly and take the necessary actions against TransUnion for its continued non-compliance with the Fair Credit Reporting Act.

I am seeking the immediate deletion of this inaccurate account from my credit report and any other remedies deemed appropriate by the CFPB to ensure that TransUnion fulfills its legal obligations. Attached to this complaint, please find the supporting documentation, including the original disputes, proof of payment for the auto loan, and my current credit report reflecting the erroneous information.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in enforcing compliance with 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 explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report after two previous disputes, which constitutes a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act ( FCRA ). 
Account Information : - Account Number : XXXX - Creditor Name : XXXX  - Date of Charge Off : XX/XX/2019 - Amount : {$0.00} The account in question is an auto loan that was reported as charge off but has been paid in full. Despite providing documentation in previous disputes that demonstrates the inaccuracies of this information, TransUnion has failed to remove it from my credit report. Additionally, this account is reported solely by TransUnion and not by other credit bureaus, which further indicates an error in the reporting. 
The FCRA requires credit bureaus to delete disputed information within five business days after the reinvestigation if the dispute is not resolved, as stipulated in 15 U.S. Code 1681i ( 5 ). The continued presence of this incorrect account on my report violates the following FCRA provisions : 1. 15 U.S. Code 1681e ( b ) - Credit bureaus are legally required to ensure maximum accuracy of the information they report. The fact that this charge off appears exclusively in TransUnions report suggests that TransUnion has failed to verify the accuracy of its data.

2. 15 U.S. Code 1681i ( a ) - TransUnion is required to conduct a reasonable reinvestigation when the accuracy of any item in the report is questioned. The failure to correct the disputed information after two attempts constitutes a violation of this obligation.

TransUnions lack of compliance has caused significant financial damage and emotional distress, impacting my ability to access credit fairly. I request the CFPB to investigate this matter thoroughly and take the necessary actions against TransUnion for its continued non-compliance with the Fair Credit Reporting Act.

I am seeking the immediate deletion of this inaccurate account from my credit report and any other remedies deemed appropriate by the CFPB to ensure that TransUnion fulfills its legal obligations. Attached to this complaint, please find the supporting documentation, including the original disputes, proof of payment for the auto loan, and my current credit report reflecting the erroneous information.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in enforcing compliance with 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 explanation
Consumer complaint received 2024-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
Hello, there is a company that has been reporting on my credit an account that is not mine! This credit collection has been on my credit in the past and has been removed due to results of the investigation and proven the account is fraudulent. The company recently reported that account on my credit again cause more damage to my report! It is very very frustrating and unfair. It should be illegal the way this debt collector company conduct their business! I have brought it to multiple peoples attention, as well as the credit bureaus. I need this account removed immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TN

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
I am writing to dispute fraudulent debts that has appeared on my credit report. This debt is the result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were sold on the dark web. I have already been in contact with the police and submitted an FTC Identity Theft Report. I request that these fraudulent debts be removed from my credit report.

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 2024-10-20 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:
I am writing to dispute fraudulent debts that has appeared on my credit report. This debt is the result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were sold on the dark web. I have already been in contact with the police and submitted an FTC Identity Theft Report. I request that these fraudulent debts be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/year> I sent over a payment to Chase, they refused to accept my form of payment, I have no received any written response nor a form of resolution, below are laws that they are violating. 

Under 15 U.S.C. 1666 ( b ), part of the Fair Credit Billing Act ( FCBA ), consumers are provided with the right to dispute billing errors, including unauthorized charges, errors in the amount charged, or charges for goods or services that were not received. This statute lays out the procedures for disputing a billing error and the obligations of the creditor when handling such disputes. 

A creditor shall not, prior to the end of the time period allowed for payment of undisputed amounts, report that an amount or amounts in dispute under this section are delinquent because the amount or amounts remain unpaid. ( 12 CFR 226.13 ( e ) ) Regulation Z, part of the Truth in Lending Act ( TILA ), governs the time of payment and ensures transparency in credit and billing practices. It includes rules on dispute resolution, billing error correction, and the time limits for creditors to respond. 

The payment due date must be clearly disclosed, and any penalties for late payments must be specified. 

Disputes over the timing or application of payments are covered under the dispute resolution procedures mentioned in 15 U.S.C. 1666 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Subject : Complaint Against Equifax for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act.

Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Equifax has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Equifax to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Subject : Complaint Against Equifax for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act.

Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Equifax has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Equifax to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: GA

Complaint narrative:
I did not authorize these inquires. 
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 I did Not authorize anyone employed by these companies to me an inquiry and view my credit report. This is a violation of the Fair credit Reporting Act section 1681b ( c ) and is a serious breach of my privacy rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AP

Complaint narrative:
I was notified on XX/XX/year> that Federal Student Aid ( FSA ) had approved me for PSLF. On XX/XX/year> XXXX conveyed a message to MOHELA to discharge my loans. I called MOHELA on XX/XX/year> and requested that they detail why they had not discharged my loans after receiving notification from FSA to discharge my loans through PSLF, but MOHELA stated they had an account transaction error and it would take up to 90 days to " rebuild my account '' and then discharge my loans. This makes no sense and is not transparent, and should not take this long. It makes no sense that MOHELA needs to rebuild the account to issue forgiveness, when FSA has already stated that forgiveness needs to be issued to my account. My loans should be discharged and then if the account needs to be rebuilt for refund purposes, this can happen on the back end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation