vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX [ Social Security Number XXXX XX/XX/XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute Challenge to Verification Methods and Request for Deletion Dear Sir/Madam, I am writing to dispute the accuracy of several accounts listed on my credit report. Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX. XXXX, I have the right to dispute any information I believe to be inaccurate or unverifiable. I also request an investigation into these accounts, and if you can not verify them within the required timeframe, I demand their immediate deletion. 

The accounts in question are as follows : Creditor Name : Absolute Resolution Account Number : XXXX Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name XXXX XXXX XXXXXXXX XXXX Account Number : XXXX These accounts may contain inaccuracies or be otherwise unverifiable. I request the following : Validation : If these accounts are valid, please provide : Signed contracts or agreements between me and the original creditors. 
Complete payment histories, including dates, amounts, and balances. 
Documentation proving the creditor or collection agency 's authority to report these debts. 


Additionally, I request a detailed explanation of the methods and procedures used to verify these accounts, as permitted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your immediate attention to this matter. I look forward to your written response within the legally mandated timeframe.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to notify you that the account listed is currently involved in pending litigation. Given the circumstances, I am requesting that you immediately remove this inaccurate account from my credit report. The account is in dispute, and its presence on my report is not only misleading but also potentially harmful while legal proceedings are underway.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Requested dates and correct amount of dept supposed owed.

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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-27 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: TX

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX FM XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX Date : XX/XX/XXXX XXXX Department TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute an inquiry that appears on my credit report. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that inquiries listed on a credit report are authorized by the consumer or made for permissible purposes as outlined in the law. 

The inquiry in question appears to have been made without my authorization. Therefore, I am requesting that you investigate and, if appropriate, remove this inquiry from my credit report. 

Under 15 U.S.C. 1681b, consumer reporting agencies may only disclose a consumers credit information for specific, legally authorized purposes, such as : With the consumers written consent ; In connection with a credit transaction initiated by the consumer ; or For other permissible purposes outlined in the FCRA. 
If the inquiry can not be verified as authorized or permissible under the FCRA, I request its immediate removal from my credit report. 

Relevant Law : 15 U.S.C. 1681b This section of the Fair Credit Reporting Act specifies that consumer credit reports may only be accessed for legitimate purposes, including : A court order or subpoena. 
Written permission from the consumer. 
Legitimate business needs in connection with a transaction initiated by the consumer. 
Any violation of these conditions may be a breach of my consumer rights as protected under federal law. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. You may contact me by email at XXXX or by mail at the address provided above. 

These are the laws being violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
Sincerely, 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 2025-01-27 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: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under Section XXXX Failure to Provide 1099 Form Dear XXXX, I am writing to formally dispute the accuracy of information on my credit report, as provided by XXXX  XXXX XXXX XXXX XXXX charged-off debt. This information is inaccurate and does not comply with legal requirements, as I never received the required XXXX form for this charged-off debt. This omission renders the reporting of this account invalid and negligent. 

This inaccuracy has caused me significant harm, including : Denial of credit due to the reporting of this charged-off debt. 
A negative impact on my credit score, which has affected my financial opportunities.

Request for Resolution I am requesting that XXXX take the following actions : XXXX an investigation into the accuracy of the reported information. 
Remove the inaccurate account from my credit report promptly, as it fails to meet legal compliance standards. 
Notice of Intent Should you fail to resolve this matter adequately, I will consider taking further action, including seeking damages for negligence and non-compliance under Section 16.81.o. 

I trust this matter will receive your immediate attention. Please confirm receipt of this letter and provide an update on the status of my dispute within XXXX  days. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> we deposited in our business account, at the XXXX XXXX, California branch of Bank of America. There were XXXX documents on XXXX deposit slips. After they processed the deposits, there were XXXX money orders lost that were never processed. There were XXXX money orders that were processed twice. These money orders were rent from tenants. We spent multiple trips to the bank, hours on the phone with tenants, the bank, and money order vendors, trying to figure out what happened. We asked for help from our local branch and from the higher levels of the Bank of America. They literally resent copies of the transactions processed, stating that they found no errors, even though the copies sent by them showed the errors again, and all levels kept insisting they did not know what to do. We requested copy of video footage of only our transaction, but were told we would need a subpoena. Our courthouse does not know how to let me get a subpoena unless I hire an attorney, but because my company is an LLC, and I am not allowed to file my own case. We believe this could have been personal because we have had problems with that branch manager in the past from a service standpoint. I am not sure how to get all the information you need, because I have a lot of hardcopies of the back-and-forth process, but it needs to be mailed.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2025-01-27 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: MA

Complaint narrative:
On XX/XX/year> I tried to access my Experian account to unfreeze my credit without success. I am in the process of applying for a HELOC so I need unfreeze my credit. On XX/XX/year> I tried to access my account again and it appears that someone has hacked my Experian account. The email and phone number associated with the account is not my information and not the correct information associated with the account. I reached out to Experian customer support and was on hold for 45 minutes before I was able to speak to a person who then transferred me to their automated phone system that did not allow me access my account or did not transfer me to someone in their fraud department. I am now on hold 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 2025-01-27 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: FL

Complaint narrative:
In XX/XX/XXXX I consolidated two credit cards with XXXX XXXX XXXX XXXX, one of them belonged to XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Re : Settlement Offer XXXX XXXX XXXX Dear XXXX, Pursuant to your recent conversation, XXXX XXXX XXXX XXXX has agreed to settle for {$3100.00} on the above referenced account under the following conditions. 
XXXX payments ( XXXX x {$510.00} XX/XX/XXXX XXXX {$510.00} XX/XX/XXXX XXXX x {$510.00} XX/XX/XXXX XXXX x {$510.00} XX/XX/XXXX XXXX x {$510.00} XX/XX/XXXX XXXX x {$510.00} XXXX XXXX ) of {$3100.00} will be due on or before XX/XX/XXXX Upon receipt of the {$3100.00} payment, the remaining Credit Card balance will be canceled debt, the account will be reported as settled for less than full balance to applicable credit reporting agencies, and subject by law to any applicable legal reporting requirements promulgated by the IRS .

In the event the agreement is broken, XXXX XXXX XXXX XXXX XXXX forward the account to a collection agency for handling and the original amount owed under the cardholder agreement will remain due, including interest and collection fees up to 25 % of the balance as provided for in the cardholder agreement. 
Please retain a copy of these agreed upon arrangements for your records and send a copy when you remit your {$3100.00}. Once the payment is received, we can update the credit reporting agencies as we have agreed to do. This can take up to 90 days to be reflected in any consumer credit reporting agencies report. 
Please contact me with any questions regarding the arrangement. This was completed with the payments due and in XX/XX/XXXX XXXX / XXXX XXXX sent me a copy of my scheduled payments with this Bank, it was assumed that I was already debt-free, but to my surprise. In XX/XX/XXXX I received a letter from XXXX XXXX telling me that I was late on my payments for an amount of {$1000.00}, since that date I have called them more than 10 times to clarify this misunderstanding and they left me waiting in line for more than 40 Minutes ago they promised to solve this and in the end they did not do it and they have sold my supposed debt to a third collection company. Now my XXXXredit score is low and there is no way for this institution to respond to me. I am taking medicine to reconcile the I am very stressed by this injustice and the poor treatment I have received from this bank 's customer service. I have decided to file a complaint so that my problem can be resolved as soon as possible.

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: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have accumulated a mountain of debt that started during the pandemic and that has persisted until the present day. With the combination of the pandemic and the horrible economy, since the pandemic, my businesses have struggled. I have reached out to Regions bank on numerous occasions recently asking for help with my debt. I have asked them if they offer debt consolidation, hardship or any kind of help. I have spoken to many people at the bank who say they will look into it but never return my calls or emails. In the meantime, I have their collection dept. calling me constantly demanding payment. I have fallen behind because of the interest and penalties each month. I feel like they are ignoring me and don't want to 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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paramount Capital Group, Inc.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to request a goodwill adjustment regarding a late payment reported in XX/XX/year> on my account. 

This late payment was the result of an unexpected billing error. At the time, the credit card I regularly used to pay this account was closed by the issuer, and I was unaware of the change. Unfortunately, I do not recall receiving a notification of delinquency from your company. Had I been informed, I would have addressed the matter immediately. I became aware of this issue only after reviewing my credit report while preparing for a mortgage application. 

I also want to bring to your attention several discrepancies on this account, including the reported open date, varying balances, payment status, date last active, and date of last payment. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which stipulates that consumers are entitled to accurate and verifiable information on their credit reports. Each FCRA violation constitutes potential liability of {$1000.00} per violation. However, I am willing to overlook these inaccuracies if the account is updated to reflect " paid as agreed, never late. '' To date, I have not received the requested information to verify the account. My intention is to resolve this matter amicably, and I sincerely hope we can come to a resolution. I have been a loyal customer and maintained a strong payment history with Paramount Capital, with no other late payments before or after this incident. 

This isolated issue does not reflect my commitment to meeting financial obligations. I kindly request your assistance in removing the XX/XX/year> late payment from my credit report and updating the account to " paid as agreed, never late. '' Doing so would not only help restore my creditworthiness but also demonstrate the integrity and fairness of your company.

Thank you for considering my request. I appreciate your time and understanding and look forward to resolving this matter promptly. I am also directly asking CEO XXXX XXXX to honor this request via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to file a complaint against navy. Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal.For similar practices where transactions settle with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation