vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
Transunion is doing a complete sham investigation on my XXXX XXXX XXXX Dispute refusing to block saying my identity theft report is not valid. My report with the FTC is VALID and DOES state that I am reliable for criminal charges id filing a false report. I am providing supporting documents showing my valid report and well as proof of identity. Please step in and hold Transunion responsible for shady and sham practices. This is affecting my life financially and mentally. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX TransUnion LLC XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Fraudulent Account XXXX XXXX XXXX Dear TransUnion, I am writing to formally dispute the inclusion of an account with XXXX XXXX XXXX on my credit report. This account is fraudulent, as it was opened without my knowledge or consent, and is the result of identity theft. I suspect this may also be connected to the XXXX data breach, which exposed my personal information to unauthorized parties. 
Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Supporting Documentation : To support my claim, I am providing the following : XXXX. A copy of my FTC Identity Theft Report, which details the fraudulent activity. 
XXXX. A copy of my government-issued ID and proof of address to verify my identity. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Additionally, credit reporting agencies are required to investigate disputes within 30 days and remove accounts that can not be verified as legitimate. 
The exposure of my personal information during the XXXX data breach further highlights the likelihood of identity theft in this case. I urge you to take this matter seriously and act promptly to remove the fraudulent account from my credit file.

Requested Action : 1. Conduct a thorough investigation into this account. 
XXXX. Remove the XXXX XXXX XXXX account from my credit report. 
XXXX. Provide written confirmation of the results of your investigation. 
If you require additional information or documents, please contact me immediately at XXXX or XXXX. 
Thank you for your attention to this matter. I trust that you will handle this dispute in compliance with federal laws and your obligation to ensure accurate credit reporting. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Prog Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase using XXXX  and had returned it. The app never credited my car not my debit account and then took a monthly fee out of my account of {$7.00}. I disputed this charge, received a new card with new card number and asked sofi to block that particular merchant. Since XXXX of last year I have been getting notifications after notification some up to XXXX times a week, that my card was declined for a debit by then. I contacted sofi many times how could they be, I even went through plaid and disconnect them that way. Some how on XX/XX/2024 they where able to direct debit my account for XXXX XXXX and then directly after another decline. Then XXXX days later a debit card transaction by them. I have not even been on the app or have I directly or indirectly given them my new card number since the disputed transaction. Some how this company was able to still debit my account and steal my debit card number somehow someway because if I didn't give it to them, they had to have stolen it. They didn't have my permission written or otherwise, never informed me of the date time and amount of transactions, I had told them through support and emails that they were no longer authorized, and over XXXX times I've had declined transactions from them and the XXXX time I do start using that account again they had succesfull taken an unauthorized transactions out of my account. I sent a demand email to them again and this time they are asking which ones and ignoring my question of how they got my card number and ignoring my demands for compensation for each failed transaction and acting like nothing happened... Someone's should be locked up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian committed unfair acts or practice in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of the furnishers unreliability

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 2025-01-11 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: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account is being reported with errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Type : Collection Account Number : XXXX Balance Reported : {$4000.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of the debt upon request. No such verification has been provided for this account, making its reporting invalid.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting continues. Federal law requires communication to cease during the dispute process unless verification is provided, which has not occurred.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain maximum accuracy in their reporting.

This account shows a balance of {$4000.00} and a status of Charge-Off/Collection, which is contradictory and misleading.

No payment history or activity justifying the listed balance has been provided.

Comments indicate placed for collection, yet the balance remains unverified.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Per IRS regulations, when a creditor cancels {$600.00} or more of debt, they are required to issue a Form 1099-C for tax purposes and report the cancellation to the IRS.

I have not received a Form 1099-C for this account, raising concerns about its validity and compliance with IRS regulations . 
5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against XXXX, which is reporting this account, for its failure to properly investigate disputes and validate debts. This lawsuit highlights systemic issues with Experians practices and raises further questions about the accuracy and legitimacy of the information being reported in my case. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-11 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: Regional Management Corporation
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account is being reported with errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Type : Collection Account Number : XXXX Balance Reported : {$4000.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of the debt upon request. No such verification has been provided for this account, making its reporting invalid.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting continues. Federal law requires communication to cease during the dispute process unless verification is provided, which has not occurred.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain maximum accuracy in their reporting.

This account shows a balance of {$4000.00} and a status of Charge-Off/Collection, which is contradictory and misleading.

No payment history or activity justifying the listed balance has been provided.

Comments indicate placed for collection, yet the balance remains unverified.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Per IRS regulations, when a creditor cancels {$600.00} or more of debt, they are required to issue a Form 1099-C for tax purposes and report the cancellation to the IRS.

I have not received a Form 1099-C for this account, raising concerns about its validity and compliance with IRS regulations .

5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against XXXX, which is reporting this account, for its failure to properly investigate disputes and validate debts. This lawsuit highlights systemic issues with Experians practices and raises further questions about the accuracy and legitimacy of the information being reported in my case. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor? 
XXXX. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX Collections XXXX If the above has not been completed, please Delete these accounts and hard inquiries from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law. 

I have attached a copy of a police report and FTC 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Heres the dispute letter for this account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX  Account Type : Auto Loan ( Installment ) Account Number : XXXX Balance Reported : {$10000.00} ( XXXX ), {$0.00} ( Experian ), {$13000.00} ( XXXX XXXX Status : Repossession/Charge-Off Violations and Inaccuracies : XXXX. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to verify the debt upon request. This account remains inaccurately reported without proper verification.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory status remains reported, violating the requirement to cease communication during the dispute process unless proper verification is provided.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates maximum accuracy in reporting.

The balance is reported differently across credit bureaus : {$10000.00} ( XXXX ), {$0.00} ( Experian ), and {$13000.00} ( XXXX ). 
The payment status is listed as Repossession, yet Experian shows {$0.00} owed, which conflicts with XXXX and XXXX. 
Comments indicate merchandise was taken back by credit grantor, yet balances remain on two bureaus, which is misleading and inaccurate.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : According to IRS regulations, creditors must issue a Form 1099-C when {$600.00} or more of debt is canceled or forgiven. No Form 1099-C has been issued for this ac
count, raising questions about compliance with IRS reporting requirements.

5. Recent CFPB Lawsuit Against Experian : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against Experian for failing to properly investigate disputes and validate debts. 
Experians reporting of this account is indicative of the systemic issues highlighted in the lawsuit, further questioning the validity and accuracy of this accounts reporting. 

Sincerely, 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 2025-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Have two types of insurance XXXX and XXXX and I'm I am homeless Especially homeless no medical bills period

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 2025-01-11 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Subject : Request for Investigation into Loan Mismanagement and Compounding Interest by Nelnet Description : I am writing to request an investigation into the mismanagement of my student loans by Nelnet and prior loan servicers, which has resulted in compounding interest, inflated balances, and undue financial hardship. Below are the key details : XXXX. Background : I completed XXXX school in XX/XX/year>, after which I enrolled in XXXX school at XXXX XXXX While in XXXX school, I began receiving bills for my XXXX loans, despite being informed by a U.S. Department of Education representative that payments would not be required during my enrollment. I was told that paying XXXX XXXX monthly would keep my loans in good standing. I followed this advice but continued receiving threatening notices. 

I contacted the Department of Education again and was told that no payments were necessary while in graduate school and that I could request a refund of my payments. However, when escalated to a supervisor, I was informed that refunds were not possible, leaving me frustrated and misled. This miscommunication contributed to my withdrawal from XXXX school, halting my education. 

XXXX. Military Service : I served XXXX XXXX in the XXXX XXXX XXXX and utilized the XXXX XXXX XXXX during my XXXX studies. I remained in regular contact with Financial Aid and XXXX departments to ensure all paperwork was submitted correctly, yet I still experienced these issues. 

XXXX. Current Status : My XXXX loans, originally {$15000.00}, have grown to over {$60000.00} due to compounding interest. Over the years, my loans have been transferred multiple times ( from the U.S. Department of Education to Great Lakes, and now to Nelnet ), and I have repeatedly been denied access to my complete loan records. 

XXXX. Impact : These errors have significantly impacted my XXXX XXXX, resulting in denials for housing and financial opportunities. I have also been unable to pursue further education due to my damaged financial standing. 

Request for Resolution : - Investigate Nelnet and previous servicers for mismanagement and failure to provide accurate information. 
- Ensure compounding interest and erroneous fees are removed. 
- Provide complete documentation of my loan records, including payment history, interest accrual, and transfers. 

I have already updated my information with all credit bureaus to reflect my current address and phone number, but they keep coming back and just like last year I had to call XXXX  to request my credit report. 

Please investigate this matter and help ensure that servicers comply with federal laws protecting borrowers. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: DE

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation