vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: MO

Complaint narrative:
Issue : Failure to properly investigate credit report errors and misrepresentation of account status by TransUnion. 

Company : TransUnion Complaint Type : Credit reporting issues I am writing to file a formal complaint against TransUnion for failing to properly investigate errors in my credit report, which has resulted in the re-addition of deleted items, re-aging of an account, and continuous balance increases on a charged-off account. These actions have caused significant harm to my credit score and my character and prevented me from being able to acquire credit or housing. 


Deleted items have been improperly re-added to my credit report despite prior resolutions confirming their removal. 
An account that was charged off and closed has been re-aged and continues to show inaccurate activity, including balance increases. 
This account also appears to be misrepresented by opening and closing repeatedly, further damaging my credit profile. 
I have made several attempts to resolve these issues directly with TransUnion, but the problems persist. These failures raise concerns of noncompliance with the Fair Credit Reporting Act ( FCRA ) and align with the type of inadequate investigations referenced in the Consumer Financial Protection Bureau 's recent legal actions against XXXX. TransUnion 's lack of proper investigation and resolution of these issues has negatively impacted my financial well-being. I do not believe a true investigation is being done in any capacity, and I do not mean a verification of accounts but a true and full investigation with documentation on each account and since these accounts are not receiving these investigations with no record of accounts whatsoever, they are in clear violations of the FCRA to me, the consumer, and need to be deleted immediately. 

The accounts in question are : 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 2025-01-13 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: GA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-13 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-13 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: TX

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe result from a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any reported accounts or inquiries. This letter is submitted by me personally, not by a third party, and I ask that you review it carefully. 

I did not authorize any actions related to these accounts or inquiries, and I believe these actions violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 605B requires the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 defines permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. 

Upon contacting the companies reporting these accounts, I found that these actions were initiated without proper validation or original documentation from the reporting entities. Since I never authorized these accounts or inquiries, they are inaccurate and must be treated as the result of either a data breach or improper reporting by creditors or third-party data furnishers. 

I request that you thoroughly investigate these items and remove them from my credit report. If you are unable to provide the requested proof of authorization, I expect these entries to be corrected in accordance with the law. 

Thank you for your prompt attention to this matter. I look forward to your timely 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called experian to dispute some personal information and soft inquiries that were on my account that were incorrect. The representative who helped me let me know the things that were on my credit r report that could be disputed and then said some of the information couldnt be disputed. However not too long after speaking with the person on the phone the information was never removed and if or when it was removed it was placed back on to my credit making my credit go down some points.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: VW Credit
State: TX

Complaint narrative:
15usc1681 ( a ) ( 2 ) : You are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a consumer. You are in violation of the law. Delete late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I recently ran requested my credit report from the 3 major credit reporting bureaus and noticed a collection account wherein a company called Portfolio Recovery Associates has reported negatively to the 3 major Credit Bureaus claiming I owe money to them, specifically {$3900.00}. I have never applied for or opened an account with Portfolio Recovery Associates nor have I given permission to them to use any of my personal information to open an account. I have recently reported this to the 3 major credit bureaus in addition to filing this report. 

I sent a certified letter on XXXX XXXX, XXXX  requesting proof of any contractual obligation I might have with them. They received the letter on XXXX XXXX, XXXX  and, to date, they have yet to supply this, but have not removed their report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2025-01-13 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Its absolutely ridiculous that this issue is still unresolved. Ive been trying to get these pending litigation accounts removed from my credit report for months. Ive contacted you more times than I can count, and each time, Im left without a solution. These accounts are completely inaccurate and damaging my credit score, and Im done waiting for someone to fix this.

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 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, as Trustee, as Successor-in-Interest to Bank of America National Association , as Trustee , as Successor by XXXX  to LaSalle Bank National Association , as Trustee et al committed mortgage fraud against me. They changed their name and came back, and the judge gave them my house. This constitutes mortgage fraud. Any attorneys who helped them do this, along with the judge who supported their actions, participated in enabling this fraud. See attached case links Full Caption XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As Trustee, As Successor-In-Interest To Bank Of America National Association , As Trustee , As Successor By XXXX  To Lasalle Bank National Association, As Trustee , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As Trustee , As Successor-In-Interest To Bank Of America National Association, As Trustee, As Successor By XXXX XXXX Lasalle Bank National Association, As Trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Court of Original XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Appealing From Date : XX/XX/XXXX Notice of Appeal Date XXXX XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX Notice of Appeal Filed Date : XX/XX/XXXX Appellate Docket Number : XXXX E-Filed in Court of Original Instance : No XXXX - XXXX XXXX Supreme Court Short Caption : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX et al Case Type XXXX XXXX XXXX XXXX Mortgage Foreclosure - XXXX XXXX XXXX : Disposed XXXX XXXX XXXX XXXX Participation Recorded Assigned Judge : XXXX XXXX XXXX Document List Case Detail Court Notices Full XXXXXXXX XXXX XXXX  XXXX XXXX, Trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number/Court : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I have made on time payments on my Apple Card through Goldman Sachs for several several months now. During the holidays I unfortunately forgot to miss a payment, I didnt receive any collection activity besides the notification on my phone from Apple XXXX  but NO letters or phone calls letting me know I had fallen 30+ past due. Once I made a payment I spoke to 2 agents via customer service chat on XX/XX/XXXX to determine how late I was and confirm that there would be no effect on my credit, at this point I had no idea how past due I even was. A supervisor named XXXX told me I did NOT fall into the 30 day and nothing should be on my credit and told me not to worry. Days later I received a late pay on my credit. I contacted apple support today XX/XX/XXXX spoke to another supervisor and all that they had to tell me is they are sorry and will look into it. I feel it is unfair for this to not be taken seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against the credit bureaus regarding an account that has been mistakenly or fraudulently associated with my personal information. ( XXXX XXXX XXXX - XXXX ) The account in question does not belong to me, and I have no knowledge of, nor did I authorize, the creation of this account. 

Despite my efforts to resolve the matter directly with the institution, Transunion, XXXX and XXXX has failed to properly investigate and ensure that everything on my credit profile is 100 % accurate. 
As a result, this unauthorized account is negatively impacting my credit report and causing significant distress. I am requesting the following actions be taken : Immediate investigation and removal of the incorrect account from my credit report. 
Confirmation that the account has been fully resolved and removed from any records associated with me. 
Any other actions necessary to correct the situation. 
Please let me know if you need any further documentation to assist in resolving this matter. I appreciate your attention to this issue and look forward to your assistance in rectifying it promptly. 

Thank you for your time and help.

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 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Date XX/XX/year> {$94.00} The company sent me a collection letter when the charges was reversed from the school because it was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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