vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy and validity of certain collection accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting full validation of these debts. 

The accounts in question are as follows : XXXX XXXX Account # XXXX {$11000.00} XXXXXXXX XXXX  Account # XXXX {$1000.00} XXXX XXXX XXXX Account # XXXX {$700.00} Reasons for Dispute : 1. Failure to Validate Debt ( 15 U.S. Code 1692g ) I have not received proper validation of these debts. The collection agencies must provide written proof of the original creditor, itemized account details, and proof of their authority to collect.

2. Inaccurate or Unverifiable Reporting ( 15 U.S. Code 1681s-2 ) If these collection agencies can not provide sufficient documentation, they are legally required to remove these accounts from my credit report.

3. Obsolete Information ( 15 U.S. Code 1681c ) If any of these accounts have exceeded the 7-year reporting period, they must be deleted immediately.

Request for Immediate Action : I formally request that TransUnion : Conduct a full investigation into these accounts. 
Require the collection agencies to provide complete validation of these debts, including the original signed agreement and full payment history. 
Delete any accounts that can not be verified within 30 days, as required by federal law. 
If these accounts can not be properly validated, I demand their immediate removal from my credit report. Continued reporting of unverified debts may be considered a violation of federal law, and I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office if necessary. 

Please provide a written response confirming the results of your investigation. You may contact me at the address above if further clarification is needed. 

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 non-monetary relief
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement.

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 2025-02-12 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-12 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: VA

Complaint narrative:
To whom it may concern, I am filing this complaint regarding an inaccurate item on my credit report that continues r negatively impact my credit. Despite my efforts to resolve this directly with the agency it has not yet been resolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
Nevertheless, this compensation is a violation of my rights and must be fixed immediatley and is a civil liability because I have been violated.

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 2025-02-12 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: VA

Complaint narrative:
To whom it may concern, I am filing this complaint regarding an inaccurate item on my credit report that continues r negatively impact my credit. Despite my efforts to resolve this directly with the agency it has not yet been resolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
Nevertheless, this compensation is a violation of my rights and must be fixed immediatley and is a civil liability because I have been violated.

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Synovus Bank
State: GA

Complaint narrative:
the company sold my information and it messed my credit up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
There are multiple radulent accounts due to my identity theft. I submitted identity theft report, FTC and sent all credit bureues more than one year ago. These fraudulent accounts have been removed except TRANSUNION credit report and the credit companies verified as fradulent accounts. The FCRA 605 ( B ) under the consumers rights I demand to blck radulent accounts and Transunion rejected me multiple times. I spoke with thei supervisor, XXXX XXXX, he also did not approch to reslove my concern. Please help me to get fradulent accounts removed from my Transunion 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 2025-02-12 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: TX

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : These inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-12 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: WI

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 2025-02-12 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: DE

Complaint narrative:
Nelnet recently reported my student loan account as 90 days late to XXXX, and other two bureaus. However, I was never properly notified about the delinquency. All Nelnet communication went to my spam folder, and I was unaware of the missed payments until I reviewed my credit report. 

As soon as I realized the situation, I immediately paid my account in full to bring it current. I contacted Nelnet directly to request a XXXX XXXX, but I was told they are unable to remove the late mark. 

Given my history of responsible payments and the fact that I was never properly notified, I am requesting that the 90-day late payment be removed from my credit report. I kindly ask CFPB to investigate this matter, as this reporting has drastically affected my credit score and does not reflect my overall creditworthiness. 

Thank you for your time and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
I am writing to formally dispute the reinsertion of [ XXXX XXXX XXXX, ACCOUNT # XXXX ] on my credit report. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), if a previously deleted item is reinserted, the credit bureau must notify the consumer within XXXX business days of the reinsertion. 
XXXX  XXXX, XXXX  # XXXX which is now called XXXX XXXX XXXX XXXX ACCOUNT # XXXX Was Deleted Between XX/XX/year> and XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
I am looking to have this removed based on the 15 U.S. Code 1681 ( G ), 15 U.S. Code 1681 ( C ) Laws. Please remove this inaccurate information from my credit 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 explanation
Consumer complaint received 2025-02-12 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:
XXXX XXXX XXXX XXXX Ct XXXX, CA XXXX XXXX Transunion XXXX XXXX XXXX  XXXX, PA XXXX Sent via Certified Mail - Return Receipt Requested Re : Account Number XXXX - DEMAND FOR 1099-C AND IMMEDIATE CREDIT REPORTING CORRECTION To Whom It May Concern : I am writing regarding account number XXXX which your company has charged off as a profit loss. Your company is currently reporting an outstanding balance on my credit reports despite this charge-off, and has failed to provide the required IRS Form 1099-C ( Cancellation of Debt ). 

This constitutes a serious violation of both tax law and the Fair Credit Reporting Act ( FCRA ). Under 26 CFR 1.6050P-1, you are required to file Form 1099-C with the IRS and provide me a copy when a debt is discharged. Additionally, reporting a balance due on a charged-off account violates FCRA 1681s-2 ( a ) regarding accurate credit reporting. 

IMMEDIATE DEMANDS : XXXX. Provide a copy of the IRS Form 1099-C for this charged-off debt within XXXX  days XXXX. Remove all references to any outstanding balance from my credit reports within XXXX hours XXXX. Provide complete documentation showing : - The original debt agreement- The date of charge-off - The amount reported to the IRS as discharged - Proof of proper IRS filing Your current actions constitute : - Violation of IRS regulations regarding debt discharge reporting - Violation of FCRA regarding accurate credit reporting - Potential tax fraud by failing to properly report discharged debt - Consumer fraud by attempting to collect on a discharged debt If you fail to comply with these demands within XXXX  days, I will : XXXX. File a formal complaint with the Internal Revenue Service XXXX. File complaints with all three major credit bureaus XXXX. Submit a complaint to the Consumer Financial Protection Bureau XXXX. Initiate legal action seeking statutory damages under FCRA XXXX. Pursue additional damages for : - Willful non-compliance with federal regulations - Tax reporting violations- XXXX  distress - Damage to my credit standing - Legal costs and attorney fees Under FCRA 1681n, willful non-compliance can result in : - Actual damages - Statutory damages of up to {$1000.00} per violation - Punitive damages - Attorney 's fees and costs This letter serves as your final opportunity to correct these violations before legal action commences. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX : TransUnion, Internal Revenue Service XXXX  XXXX  XXXX XXXX XXXX  Department of Justice, Consumer Financial Protection Bureau

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I am the target of an arbitrary investigation under the premise of having committed fraud. My consumer rights and my honor and good name are being violated. 
We are facing foreclosure and we are at risk of losing our home. That's why my family, friends and church members started a GoFundMe to raise funds. Some people wanted to make sure that 100 % of the money would go to us, so they started donating via XXXX. 
The bank started to denying deposits, so I went to the bank branch in person to seek help. On XX/XX/XXXX I spoke to XXXX XXXX, I explained her my situation and I showed her a screenshot of the sign for the sale of our home. She was very empathetic due my situation and was willing to help me through this whole banking nightmare. 
XXXX XXXX started a complain on my behalf addressed to thXXXX XXXX manager of M & T bank XXXX XXXX XXXX XXXX, but I never got a respond. The same day, XXXX contacted the XXXX department to get information on why the bank was blocking my accounts. 
We were informed that we would have not problem if we call the bank every day to request an override, but the opposite happened since that day. Deposits were denied and I had to spend endless hours on the phone without finding a solution. Since XX/XX/XXXX have had to go to the bank branch looking for help. 
After a week, someone finally told to XXXX XXXX that we couldn't use XXXX, but by then I was wearing a XXXX XXXX because of the anxiety and stress of seeing that we were losing our home while the bank wouldn't help us. I tried to make them understand that I am a person who has been undergoing psychiatric treatment for many years due to chronic XXXXXXXX and that I was on the verge of going crazy, but the bank only made things more difficult for me.The bank continued to block my accounts, claiming that I was still under investigation for fraud. On XX/XX/XXXX I was discriminated by a XXXX employee who informed me that they could not speak XXXX and if I wanted to do so, I had to do so through a translator. 
On XX/XX/XXXX, my wife was unable to make a payment to a company she was applying to work for due to the account being blocked ; we have proof that the transaction was declined, as well evidence of the recordings of the conversation with the bank. 
To this day XX/XX/XXXX, I still call the bank, I still visit the branch looking for help, but all I have gotten is that the bank continued to treat me like a criminal. I have no access to my accounts, I can't go to the gas station, I can't shop at the supermarket, and I can't pay my bills. 
All I have gotten from the bank is loss of time, dishonor, torture, discrimination and worsening of my mental health.

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 2025-02-12 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: Experian Information Solutions Inc.
State: CO

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.

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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than XXXX  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 information is inaccurate.

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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-12 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: Kohn Law Firm S.C.
State: WI

Complaint narrative:
It's a simple request. I'm trying to be removed from an account that belongs to my ex-wife due to the fact I am 100 % XXXX. I asked to provide them documentation and was immediately met with we can not remove you from the report as a cosigner since it's post judgement. I explained that I was XXXX and by not removing me from her loan was affecting me from getting adaptive housing for XXXX. He reiterated the same thing. This began the end of the conversation. XXXX XXXX XXXX XXXX XXXX has sold the account to a lawfirm called Kohn Law Firm S.C in XXXX Wi XXXX. This who I contacted to be removed from the account. The account holder name is XXXX XXXX who can be reached at this number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized XXXX  party.

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 2025-02-12 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: MD

Complaint narrative:
Im being denied for credit because Experian have an updated My phone number To the fraud message alert, so Im keep being declined for credit. Ive called Experian to get them to update it and its still not done.

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