vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: IL

Complaint narrative:
CFPB Complaint - TransUnionXXXX Subject : Incorrect Reporting of Charged-Off Account by XXXX XXXX. After Sale XXXX XXXX XXXX  Details of the Complaint : I am filing this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) due to inaccurate reporting on my credit report by both TransUnion and XXXX. 

The issue is with an account from XXXX XXXX ( Account # XXXX ), which is still being reported as charged off despite the fact that the account was sold to XXXX XXXX XXXX. According to my credit reports, the account status indicates that it was sold to another lender, and the balance is reported as {$0.00}. However, XXXX XXXX is still reporting the account as a charge-off, which is inaccurate and misleading. 

Key Points : XXXX. XXXX XXXX no longer owns this debt as it was sold to XXXX XXXX XXXX. Therefore, they have no legal right to report a charge-off after selling the account. 
XXXX. Both TransUnion and XXXX are allowing duplicate reporting of the same account. XXXX should not be reporting a charge-off after selling the account, and this creates inaccurate and misleading information on my credit reports. 
XXXX. This reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding accuracy and completeness of information. 

I request that both TransUnion and XXXX : Immediately remove the XXXX XXXX account from my credit report. 
Ensure that the correct party ( XXXX XXXX XXXX ) reports the account status accurately. 

I have attached copies of my credit reports from both TransUnion and XXXX as supporting evidence, showing that XXXX XXXX is still reporting the account after it was sold. 

This inaccuracy is negatively impacting my credit profile and needs to be corrected immediately to comply with federal regulations. 

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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, XXXX, and XXXX. These entities have failed to ensure the accuracy of my credit report in compliance with the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies ( CRAs ) to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. 



Description of the Issue : 1. Inaccurate Information on Credit Reports : My credit report with TransUnion and XXXX reflects inaccurate information related to an account furnished by XXXXXXXX XXXX XXXX 

2. Failure to Ensure Accuracy : Despite providing both CRAs and XXXX with documentation disputing the inaccuracy, they have not corrected the errors, nor have they updated the report to reflect the maximum possible accuracy as required by law. 

XXXX. Ongoing Harm : These inaccuracies have damaged my creditworthiness, resulting in adverse decisions regarding credit applications. 



Relevant FCRA Provisions : 15 U.S.C. 1681e ( b ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of the information in a consumers file. 

15 U.S.C. 1681s-2 ( b ) : Requires furnishers like XXXX to investigate disputes forwarded to them by CRAs and report accurate information to the agencies. 



Timeline of Events : XXXX. XX/XX/XXXX : I disputed the inaccurate information with TransUnion, XXXX, and XXXX, providing documentation supporting my claim. 

XXXX. XX/XX/XXXX : Follow-up disputes were submitted, yet the inaccuracies persist on my credit reports, demonstrating a failure by all parties to comply with their obligations under the FCRA. 

XXXX. XX/XX/XXXX : I reviewed my credit reports and found no corrections or updates reflecting maximum possible accuracy. 



Violations : 1. TransUnion and XXXX : Failure to follow reasonable procedures to ensure maximum possible accuracy of my credit report XXXX. XXXX XXXX XXXX  : Failure to conduct a proper investigation and update the CRAs with accurate information.

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 2025-01-05 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: OH

Complaint narrative:
XX/XX/XXXX Please update with removal USC Sec 15 1681, 1682. 1683. 1684, 1692g These accounts continue to show up in Equifax FICO scores and Equifax Vantage scores. both of these accounts were removed by Equifax at the end of last month. Can you please update so that it reflects on my score correctly. 

XXXXXXXX XXXX {$140.00} Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$13.00} Date Opened XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: MO

Complaint narrative:
Found out from case net that an attorney had started garnishment and was not notified. Filed exemption on XXXX, 2024, took copy to bank. On XX/XX/year>2024 I received a letter from the bank saying they had seen the exemption, had received certified mail for judgment ( Mo Rule 90.03 requires writ, summons and order to be delivered by sheriff ). I had a stay from the appeals court that I could not file because US Bank processed the garnishment prior to the proper service, and I was not sent the writ and summons. Then when the sheriff served the summons, they garnished my account again.

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 2025-01-05 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: IN

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT MY MY PERSONAL INFORMATION HAS BEEN EXSPOSED IN A NATIONAL DATA BREACH. REVIEWING MY CREDIT REPORT I SEEN UNFAMILIAR ACCOUNT I ASK THE CRAS FOR VALADATION DEBT HOWEVER THE INFORMATION HAS NOT BEEN PROVIDED DUE TO MY INFORMATION BEING EXSPOSED I SUMMITTED TO THE FTC COMPLAINT REPORTING TO THE INFORMATION THAT IAM NOT FAMILAR WITH PLEASE FIND ATTACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: IN

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT MY MY PERSONAL INFORMATION HAS BEEN EXSPOSED IN A NATIONAL DATA BREACH. REVIEWING MY CREDIT REPORT I SEEN UNFAMILIAR ACCOUNT I ASK THE CRAS FOR VALADATION DEBT HOWEVER THE INFORMATION HAS NOT BEEN PROVIDED DUE TO MY INFORMATION BEING EXSPOSED I SUMMITTED TO THE FTC COMPLAINT REPORTING TO THE INFORMATION THAT IAM NOT FAMILAR WITH PLEASE FIND ATTACH

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A XXXX XXXX XXXX informed me that my Experian Account was not frozen as it should be. I tried to get in Experian system to check and freeze but my telephone number had changed so it would not recognize me. The alternate methods the site suggests do not work either, it says it will send a code to get in that never arrives. 

I sent two letters with all their requested information. The first one to their XXXX, TX address on XX/XX/year> and the second to their corporate address in XXXX XXXX, CA on XX/XX/year>. I have never received a response from Experian. 

What I need is simple but apparently they do not hire humans to work for them and think their computer system will take care of everything. 

Your help is appreciated. My Credit is good and I would very much like to keep it that way.

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 2025-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
I have already gone through this once and transunion found the information to be accurate that was provided from Ability Recovery services. This is lying, FRAUD and ILLEGAL. The ones involved deserve prison time from the XXXX XXXX to ability recovery services and the ones that handled it with XXXX all deserve PRISON time and heavy fines. The saying is the lessons paid for you dont forget. You all need to remember this where you dont do others this way. You are lazy, reckless and stupid. Thieves. This is wrong. I want it off my credit now, not showing resolved but I want it nonexistent

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 2025-01-05 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: GA

Complaint narrative:
I have names and addresses that does not belong to me on my credit report. 

The name XXXX XXXX is on my credit report which is NOT me. 
Address other than XXXX XXXX XXXX XXXX XXXX XXXXXXXX are also on my credit report which is incorrect.

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 2025-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XXXX of 2024 Freedom Morgage Company bought my morgage from my previous lender. My previous lender had already paid my yearly insurance premium. When switched over, Freedom Morgage paid my insurance premium again as well as paying out my county tax in XXXX and AGAIN in XXXX. Because of this, my morgage payment went up over XXXX a month because of the double payment for both insurance and taxes on Freedom Mortgages part. Called on XXXX and they opened a ticket. Called back on XXXX and was told that yes they made a mistake and overpaid both my insurance and taxes twice. I asked what could be done about it now because my payment is due and they want XXXX extra dollars due to their error. They said it could take up until XXXX to be corrected. This is unacceptable. Due to their mistake I will need to shell out XXXX extra dollars to cover the next 3 months until they fix the overpayment. 

I reached out to my insurance company on the side and they send a check to me for the overpayment of insurance. I will be sending this back to Freedom Morgage once the check clears in my account.

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 2025-01-05 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: MS

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. XXXX says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

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 2025-01-05 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in 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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
In order for me to get access to my money, I have to accept the terms of a prepaid card from the XXXX data breach settlement. I don't want a prepaid card ; I want a check. They will give you a virtual prepaid card, but I want a physical card. I can request a physical card but that will cost me {$6.00}. Why should I have to pay money to get my money? This is crazy. I don't use my phone to swipe anything at a store. I shouldn't have to. This " myprepaidcard.com '' website is a scam. I have to A ) sign their agreement in order to get access to my money B ) by doing so, I must agree to their terms which C ) will cost me {$6.00} to get a physical card, and D ) they will charge me {$6.00} if I don't use the virtual card for XXXX months. E ) There is also an expiration date on my virtual card, so I have so many days to use my prepaid card. It's a scam. What happens when I forget that I have $ on a virtual card somewhere? They charge me for not using it. And if I wanted to get a physical card so I don't forget to use it, they charge me for that. There is no winning here for regular people! Either give me a check or send me a physical card to use. My phone is old, I don't use a virtual wallet, and I MUST agreeing to terms that I don't agree with in order to even get my money. Oh, and here is another kicker ... F ) The access code that you are given has an expiration date on it as well. So, if I fail to agree to their terms, they get keep my money because my link is expired, and I forfeit my cash. 
Who in the XXXX XXXX agreed to let these XXXX 's do business in finance!? They are going to keep millions of dollars from people forgetting to claim their cash, or not using their cash, or wanting a physical card to remind them to use their cash... This is criminal!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX and Transunion are reporting the same account on my Transunion credit report twice. It's the same Account same balance same account number they have reported it with two different dates. Please have them to remove the incorrect filing. 

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

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 2025-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
I am a victim of identity theft as a result of the data breach involving XXXX. My personal information, including sensitive data such as my name, address, and potentially financial details, was compromised. This breach has caused significant distress and financial hardship, as unauthorized accounts and transactions have been made in my name. I am taking steps to resolve the issue, but the emotional and financial toll of this incident is considerable. I urge all parties responsible for this breach to take immediate action to help protect affected individuals and prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
They keep calling asking for XXXX XXXX idk who that is. I've asked them to stop calling me for this person. I asked them do not call me anymore period. I asked what they wanted they refuse to tell me because I'm not XXXX XXXX. My number is on tje do not call reg. Which I also made complaint with. They often call from different numbers after I block them. They calk me while I'm working. They call me in church on Sunday!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
I took out a loan from lendingpoint for XXXX in XXXX. In XXXX I took out an additional loan for XXXX. In XXXX I logged into their app and it showed my loan would be paid off in XXXX. XX/XX/XXXX I logged into their app and it showed that they were making changes to their app and check back later. I contacted them and they told me my loan wouldnt end until not be done till XXXX. After speaking to them I logged back into their app and it showed the first loan for XXXX was paid off but that I owe them XXXX still. This is blatant fraud and I want these auto payments stopped and all over payments refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CA

Complaint narrative:
I RECENTLY REVIEW MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND A FRAUDULENT CLOSED ACCOUNT ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE FRAUDULENT CLOSED ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. HERE IS THE ACCOUNT WAS REPORTED TO MY CREDIT REPORT. XXXX XXXX BALANCE {$16000.00}, ACCOUNT NUMBER XXXX, DATE OPENED XX/XX/year>. AND ALSO I AM ATTACHING A COPY OF IDENITY THEFT, UTILITY BILL, DRIVER LICENSE ANS SOCIAL SECURITY CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
This is my second request to delete LATE payments reported this Account needs to be updated as PAID as agreed NOT reported as LATE payments. According to Congress Federal law fair credit report act 15 USC 160 8 1AN definition exclusions contract in civil my ability for willful noncompliance erase and discharge the line of credit and transactions experiences that show late payments payment history and new credit. This shall be excluded on consumer reports you also need to show original agreement with signed wet ink signature for the following accounts I never gave permission to report this. also violates 15 USC 160 81EB delete these late reported account accounts immediately. Update XXXX XXXX XXXX XXXX # XXXX An update all of my consumer reports to paid as agreed NOT Reported LATE. Update these today and send me a new credit report that has been updated. Thank you, 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