vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I found out my bank account was levied on XX/XX/XXXX. I found out when I went to XXXX XXXX to my daughter, They levied {$2600.00} plus and said I owe {$3100.00}. I called that bank and was given a court officer from XXXX court who gave me a number for a Law group information by the name of XXXX XXXX XXXX XXXX. They were hired by LVNV funding to collect money from a charged off credit card just about 9 years ago. They told me I had no option for a payment plan because they had sent me notices which I never received. I reached out to a free legal services who guided me to submit motion to vacate order as i was not served or got notification from the XXXX XXXX XXXX  or LVNV funding. I sent a letter to both XXXX XXXX XXXX and LVNV funding asking for a debt validation letter, also a letter for unauthorized levy. XXXX XXXX XXXX still continued to pursue getting the balance of the {$500.00}. I submitted a document to vacate the order the end of XX/XX/XXXX, I received a call from New Jersey court asking for my email address but I did not get an email. Again XXXX XXXX XXXX filed to continue to pursue getting the balance they said I owe on XX/XX/XXXX. At this time I haven't taken any other steps to fight these people as I sent them all the lawsuits against LVNV funding and what they had to payout to consumers. They continue to be relentless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

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 2025-01-27 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: CA

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

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 2025-01-27 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states s consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Approximately one year ago, I went to the XXXX XXXX, California branch of Bank of America to cash a check and open a new account. I waited in line with the rest of the customers as the branch was just opening for the day. The branch was under construction and there was line that was forming. I went to the teller and presented my check which was also from Bank of America in the amount of {$5000.00} from XXXX XXXXXXXX XXXX The check was part of a work related injury settlement. I went to the branch with my two forms of identification including the actual invoice or payment stub and original envelope. The teller went to the manager for an approval. The manager looked at the check, looked at me and shook his head " no. '' I asked the teller the reason and she had none. The branch manager shook his head and I was so embarrassed I left the branch with my friend who was with me. He was XXXX  and I am XXXX XXXX. He was assisting me at the counter because I am XXXX XXXX and was nervous having so much money even in check form. I asked him to accompany me and he witnessed everything. I left the branch and took the check to XXXX XXXXXXXX XXXX  who cashed the check and gave me a little money from the check according to regulations.

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 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
On or about XXXX XXXX, I received an alert from my credit monitoring company, that Credit Management company had placed an account on my XXXX bureau. I have never done business with this company and they said account was opened XX/XX/XXXX for the amount of XXXX. 
After receiving this alert, I checked my other bureaus and found they had placed an account on my XXXX bureau in XXXX of XXXX. 
Prior to this alert, I have not received anything from the company. 
After further research, I found this is zombie debt trying to be collected from an account that is far past the statute of limitations in which I have already suffered the consequences of the negative reporting to the bureaus. 
I feel this activity is in violation of the FCRA and FDCPA 15 U.S.C 1692g, 15 U. S. C 1692c, 15 U. S. Code 1681 E ( b ), and C. F. R 1006.34 ( a ) ( XXXX XXXX 
I also researched the Tennessee department

of Commerce and Insurance and found this company has no license to collect in my state. I have submitted a validation letter as of today
which is my first time being notified of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There was a glitch in XXXXXXXX XXXX system and they wasn't aware of the u authorized inquires that was placed on 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 2025-01-27 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: GA

Complaint narrative:
I am writing to formally file a complaint and dispute inaccurate information reported by Transunion on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Attached to this letter is a copy of the specific account in question. 

Details of the Inaccuracy : Creditor Name : XXXX Account Number : XXXX Disputed Amount : {$4200.00} Status : Collection/Charge-off Remarks : Account information disputed by consumer, meets FCRA requirements This account contains inaccurate or unverifiable information that has negatively impacted my credit report. Despite disputing this with TransUnion, the account has not been corrected or removed. 

Violations of the FCRA Include : 1.15 U.S.C. 1681i ( a ) : Transunion failed to properly investigate my dispute within the legally required timeframe.

2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : I was not provided with adequate documentation or verification proving the accuracy of this account.

3.15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If the account can not be verified, it must be corrected or deleted, which has not been done.

Actions Requested : 1.Investigate this matter thoroughly with Transunion and XXXX. 
2.Provide documentation verifying the accuracy of this account.

3.Require Transunion to remove this account if it can not be properly verified. 
This issue has caused significant harm to my creditworthiness, and I am requesting the CFPB to intervene and ensure compliance with the FCRA. I look forward to your assistance in resolving this matter. 

Thank you for your time and prompt attention to this issue. Please feel free to contact me if you require additional 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 explanation
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XX/XX/XXXX Experian Credit Reporting Agency XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX  Consumer Disputes XXXX XXXX XXXX XXXX, PA, XXXX and/or XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Dear Sir/Madam, Subject : Request for Removal of Bankruptcy from Credit Report I hope this letter finds you well. I am writing to formally request the removal of the bankruptcy filing listed on my credit report, which I believe is inaccurate or outdated based on the following reasons : 1. Error in Verification process. 
You are improperly reporting an alleged Public Record on my consumer report that is clearly in noncompliance with recognize METRO2 Reporting Requisites per the CRGG as well as FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less public record that was not even reported to you by the alleged Court of Record. Immediately, DELETE ALL record of the following alleged public record, or else provide proof and the verification process of how that proof was obtained by you and that you have verify each notation for the maximum possible accuracy and compliance with all METRO2 reporting standards. 

For your reference, I have attached A letter from the United Stated Bankruptcy Court stating that they do not verify information with the credit reporting agencies. So they verified information is inaccurate or incorrect I would appreciate it if you could review my credit file and remove the bankruptcy listing as soon as possible. If further action or documentation is needed from my end, please do not hesitate to inform me. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of the bankruptcy from my credit report. 

Sincerely, XXXX XXXX XXXX number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 has failed to fulfill Its a legal obligation under the fair credit reporting act ) ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or on verified accounts on resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, cause the ongoing harm to my credit report. I am requesting immediate corrective actions, remove or amend the disputed accounts, as experience and action, violates federal law, and my rights as a consumer.

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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX continuously emails attempts to collect a debt to XXXX, this email has no association with my business with XXXX and they have now disclosed balanced info to a third party without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Experian Information Solution po box XXXX XXXX TX XXXX Re : XXXX XXXX XXXX XXXX XXXX. # XXXX CERTIFIED MAIL ; RETURN RECEIPT REQUESTED Dear Sir or Madam, I have obtained a copy of my credit report, and it shows late payment on the above account. 
Specifically, it states that I was 30 days late on a payment showing XX/XX/year>. This is very disturbing, and it is doing serious damage to my credit rating. 

As you know, you are required by law to make sure that my bills are accurate. You must send my bills to my correct address, change my address when I request it, promptly and accurately record any payments I make, and apply late fees and charges only when payments are, in fact, late. 
I hereby request that you take the following steps to remedy the situation : 1. Send me a notarized statement attesting to your compliance with all provisions of the Fair Credit Billing Act with respect to my account.

2. Provide documentary evidence of my indebtedness for all charges for which you claim I made late payment. 
XXXX. Provide documentary evidence of timely billing and timely posting of all payments made on this account, whether or not you claim they were late, from the date the account was opened through the present. 

If you can not provide the statements and documentary evidence required, then I insist that you delete all negative references from my reports to Experian,. If I do not receive all three items itemized above within the period prescribed by law, I will expect to receive written notification that you have, in fact, made the required deletions from my reports and that you have removed from my file any reference to the disputed late payments. 

Please attend to my requests promptly. Time is of the essence. 
To verify my ID and my address, I am enclosing copies of drivers license and a recent bill. 


Sincerely yours, 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 2025-01-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: LA

Complaint narrative:
My monthly payment is XXXX, however, I pay XXXX a month. 

My XXXX bill reflected I paid a XXXX payment on XX/XX/year>. ( I paid XXXX ) I verified with my bank of the XXXX payment and called US dept of Education ( Mohela ) on XX/XX/year> I was on hold 4 1/2 hours and was told they would look into it and get back to me. 

After that call they quit sending me bills. I have continued to pay the XXXX a month. I sent emails asking for help and no response. This loan should be paid off in XXXX but I would like my payments to reflect true amount paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-27 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've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

Company response to consumer: Closed with non-monetary relief