vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-02 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: OH

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding an inaccurate late payment reported on my credit report by XXXX XXXX ( XXXX ), which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Despite my efforts to resolve this matter directly with XXXX, their customer service has failed to provide sufficient proof to substantiate the late payment. 

I have made multiple requests for evidence of the late payment, but XXXX has been unable to provide the required documentation or proof of the alleged late charge. This raises serious concerns about the accuracy and validity of the information they have reported to the credit bureaus. 

Additionally, I am deeply concerned that XXXX XXXX has experienced several data breaches in recent years, including a significant breach in 2023. These breaches may have compromised the accuracy of customer data, and I fear that the erroneous reporting of a late payment on my credit report could be the result of such a breach or internal system failures. XXXX 's inability to provide proof further raises questions about the integrity of their reporting processes and the protection of consumer data. 

I would like to highlight that under 15 U.S.C. 1681, the FCRA requires that credit reporting agencies and furnishers of information, such as XXXX, ensure that the information they report is accurate and verifiable. In this case, XXXX  failure to provide proof of the alleged late payment is a violation of this requirement. 

Furthermore, under 15 U.S.C. 1666b, the FCBA imposes clear guidelines regarding the proper handling of billing errors, including a requirement for creditors to provide verifiable documentation in response to disputes. Since XXXX has not fulfilled this obligation, I believe they are in violation of these provisions as well. 

Given these concerns, I am requesting that the CFPB investigate this matter and assist in ensuring that my credit report accurately reflects my payment history. I would also appreciate guidance on how I can formally dispute this entry with the credit reporting agencies, and ensure XXXX is held accountable for any inaccuracies or violations of my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response and any further steps I can take to resolve this issue. 

https : 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 2025-01-02 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: OH

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding an inaccurate late payment reported on my credit report by XXXX XXXX ( XXXX ), which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Despite my efforts to resolve this matter directly with XXXX, their customer service has failed to provide sufficient proof to substantiate the late payment. 

I have made multiple requests for evidence of the late payment, but XXXX has been unable to provide the required documentation or proof of the alleged late charge. This raises serious concerns about the accuracy and validity of the information they have reported to the credit bureaus. 

Additionally, I am deeply concerned that XXXX XXXX has experienced several data breaches in recent years, including a significant breach in 2023. These breaches may have compromised the accuracy of customer data, and I fear that the erroneous reporting of a late payment on my credit report could be the result of such a breach or internal system failures. XXXX 's inability to provide proof further raises questions about the integrity of their reporting processes and the protection of consumer data. 

I would like to highlight that under 15 U.S.C. 1681, the FCRA requires that credit reporting agencies and furnishers of information, such as XXXX, ensure that the information they report is accurate and verifiable. In this case, XXXX failure to provide proof of the alleged late payment is a violation of this requirement. 

Furthermore, under 15 U.S.C. 1666b, the FCBA imposes clear guidelines regarding the proper handling of billing errors, including a requirement for creditors to provide verifiable documentation in response to disputes. Since XXXX has not fulfilled this obligation, I believe they are in violation of these provisions as well. 

Given these concerns, I am requesting that the CFPB investigate this matter and assist in ensuring that my credit report accurately reflects my payment history. I would also appreciate guidance on how I can formally dispute this entry with the credit reporting agencies, and ensure XXXX is held accountable for any inaccuracies or violations of my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response and any further steps I can take to resolve this issue. 

https : 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 2025-01-02 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: FL

Complaint narrative:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion about their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return and have not received any mail regarding this matter.

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 2025-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Navient Loan Services regarding their denial of my application for the discharge of private student loans associated with XXXX XXXX XXXX XXXX. Despite providing comprehensive evidence of institutional misconduct and its significant financial harm, Navient declined my request without offering any explanation or reason for the denial. 

Background I submitted my application to Navient requesting : Full cancellation of private student loans related to XXXX XXXX XXXX XXXX XXXX 
A refund of all payments made on these loans, including those for loans paid in full. 
My application included detailed documentation, supported by my approved Borrower Defense claim, outlining Chamberlains systemic misrepresentation of the necessity of a XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) degree and their refusal to allow credit transfers, which caused me severe financial harm. 

Navients Response Navient issued a denial of my request without addressing the evidence presented or providing a rationale for their decision. This lack of transparency undermines my right as a borrower to have my concerns reviewed fairly and in good faith. 

Supporting Evidence of Misconduct XXXX XXXX XXXX XXXX engaged in practices that align with those of other institutions recently found guilty of similar misconduct. These include : Misrepresentation of the necessity of a XXXX XXXX  for employment. 
Denial of credit transfers to other institutions, leading to repeated coursework and increased educational expenses. 
A focus on enrollment and tuition revenue over student outcomes. 
These practices significantly inflated my debt burden, delayed my career progression, and caused ongoing financial instability, as detailed in my application and supporting exhibits. 

Request for CFPB Assistance I request the CFPB to : Investigate Navients handling of my application for loan discharge. 
Ensure that Navient provides a detailed explanation of their decision to deny my request. 
Review my application and supporting evidence to determine if Navient has acted inappropriately in denying my request for discharge and reimbursement. 
Impact on My Financial Stability The burden of these private student loans has had a lasting impact on my financial health and quality of life. Despite progressing in my career, the compounded debt resulting from XXXX actions continues to strain my finances. 

I believe Navients lack of a clear and fair review process, along with their refusal to address the institutional misconduct presented, warrants further investigation. I am attaching my original application and supporting documents for your review. 

Thank you for your attention to this matter. Please feel free to contact me if additional information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: MO

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXXXXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( XXXX ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXXXXXX XXXX. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. 

I have proof attached where these XXXX accounts are deleted from my XXXX credit report. Please do the same for my TransUnion report and delete them from there.

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 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Request for Immediate Refund for Undelivered Order Dear XXXX XXXX XXXX XXXX, I am writing to formally request an immediate refund for a computer system purchased for my grandson. The purchase was made under XXXX ID XXXX, with XXXX XXXX XXXX. According to the tracking information, the package was marked as delivered on XX/XX/year> ; however, I did not receive the package at my address. 
I have taken the necessary steps to resolve this issue, including confirming with neighbors and checking all potential delivery locations at my residence. Unfortunately, the package remains unaccounted for. To further substantiate my claim, I have filed a police report, which I have attached for your reference. 
Given these circumstances, I kindly request a full refund for the undelivered product. I trust that XXXX values its customers and upholds its commitment to ensuring satisfactory resolutions for issues such as this. I would appreciate a prompt response to this matter, as the intended recipient of this gift is eagerly awaiting the computer. 
Please let me know if any additional documentation or actions are required from my side to expedite the process. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX inquiries showing on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian for failing to investigate a dispute I submitted regarding inaccurate information on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail, using tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In my dispute, I requested an investigation into inaccurate items on my credit report, and I also disputed incorrect personal information listed on my report. To assist in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. 
However, I received an email response from Experian stating the following : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is troubling, as under the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item on their credit report, the credit bureau is required to conduct a reasonable reinvestigation. It appears that Experian has failed to comply with this requirement and has not conducted a proper investigation into my dispute. 
As proof of my dispute, I am including a copy of my original dispute letter, USPS certified mail proof of delivery, and Experian 's email response.

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 2025-01-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The reinsertion of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX into my credit report was executed in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, your agency failed to notify me within five business days of the reinsertion, as required under 15 USC 1681i ( a ) ( 5 ) ( B ). Furthermore, there was no certification of accuracy provided prior to the reinsertion, violating 15 USC 1681i ( a ) ( 5 ) ( C ). These omissions reflect a failure to conduct a reasonable reinvestigation of the disputed information, as mandated by 15 USC 1681i ( a ). Additionally, the reinsertion appears to have occurred without verifying a permissible purpose, contravening 15 USC 1681b ( a ) ( 2 ). These actions collectively fail to uphold the requirement for maximum possible accuracy in reporting, as specified under 15 USC 1681e ( b ). Such noncompliance constitutes both willful and negligent violations of the FCRA under 15 USC 1681n and 1681o. I demand the immediate removal of these accounts from my credit report to rectify these violations. Should you fail to comply with the legal requirements outlined, I will have no alternative but to escalate this matter further, including seeking legal remedies to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Its been frustrating dealing with the consequences of unauthorized inquiries from your company on my credit report. Theyre dragging down my credit score and affecting my financial opportunities.

Company response to consumer: Closed with non-monetary relief