vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
Title : Dispute for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) by Transunion Description of the Issue : On XX/XX/XXXX, I submitted a formal dispute letter to Transunion requesting the removal of fraudulent information from my credit report. This request was made in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681c-2, 15 U.S.C. 1681i ( 7 ), and 15 U.S.C. 609 ( a ) ( 2 ). I provided adequate evidence, including an identity theft report, to support my request.

However, the bureau categorized my dispute as frivolous, a response that I find inappropriate and unlawful under the standards set by the FCRA. Additionally, they failed to meet the legal requirements to : 1. Provide a detailed description of the reinvestigation procedures performed.

2. Produce physical evidence of original contracts bearing my signature to substantiate the validity of the disputed accounts.

3. Block the fraudulent account within four business days of receiving my identity theft report. 

Information Related to the Dispute : : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This account is the result of identity theft, and their presence on my credit report violates my rights as a consumer. Despite my efforts to resolve this matter directly with the bureau, no significant action has been taken to correct the inaccurate information, causing financial and emotional harm. 

How This Issue Affects Me : The incorrect and unverified information on my credit report has negatively impacted my credit score, making it difficult to access legitimate credit and causing financial and personal stress.

What Resolution I Am Seeking : I request that the CFPB intervene to ensure that Transunion : 1. Immediately removes the fraudulent account from my credit report.

2. Provides a detailed description of the procedures used to investigate my dispute.

3. Complies with the provisions of the FCRA, including blocking fraudulent information within four business days of receiving my identity theft report.

4. Ensures their practices adhere to federal laws to protect consumer rights.

Attached Documentation : I am including copies of the following documents to support my complaint : Identity theft report.

Additional evidence related to the disputed accounts.

Identity affidavit.

Conclusion : I hope the CFPB will investigate this matter and take the necessary actions to ensure that Transunion complies with federal laws. I am available to provide any additional information required.

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 2025-01-09 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: FL

Complaint narrative:
Title : Dispute for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) by Transunion Description of the Issue : On XX/XX/XXXX12/14/2024, I submitted a formal dispute letter to Transunion requesting the removal of fraudulent information from my credit report. This request was made in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681c-2, 15 U.S.C. 1681i ( 7 ), and 15 U.S.C. 609 ( a ) ( 2 ). I provided adequate evidence, including an identity theft report, to support my request. 

However, the bureau categorized my dispute as frivolous, a response that I find inappropriate and unlawful under the standards set by the FCRA. Additionally, they failed to meet the legal requirements to : 1. Provide a detailed description of the reinvestigation procedures performed.

2. Produce physical evidence of original contracts bearing my signature to substantiate the validity of the disputed accounts.

3. Block the fraudulent account within four business days of receiving my identity theft report. 

Information Related to the Dispute : : XXXX XXXX XXXX XXXX XX/XX/XXXX This account is the result of identity theft, and their presence on my credit report violates my rights as a consumer. Despite my efforts to resolve this matter directly with the bureau, no significant action has been taken to correct the inaccurate information, causing financial and emotional harm. 

How This Issue Affects Me : The incorrect and unverified information on my credit report has negatively impacted my credit score, making it difficult to access legitimate credit and causing financial and personal stress. 

What Resolution I Am Seeking : I request that the CFPB intervene to ensure that Transunion : 1. Immediately removes the fraudulent account from my credit report.

2. Provides a detailed description of the procedures used to investigate my dispute.

3. Complies with the provisions of the FCRA, including blocking fraudulent information within four business days of receiving my identity theft report.

4. Ensures their practices adhere to federal laws to protect consumer rights.

Attached Documentation : I am including copies of the following documents to support my complaint : Identity theft report.

Additional evidence related to the disputed accounts.

Identity affidavit. 


Conclusion : I hope the CFPB will investigate this matter and take the necessary actions to ensure that Transunion complies with federal laws. I am available to provide any additional information required. 

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 2025-01-09 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: ND

Complaint narrative:
I am filing a formal complaint against Experian for failing to investigate and resolve inaccuracies on my credit report, as well as for failing to address incorrect personal information listed in my file. 
On XX/XX/2024, I mailed a dispute letter to Experian via USPS certified mail tracking # XXXX, requesting an investigation into inaccurate items on my credit report. To facilitate the verification of my identity and address, I included copies of my photo ID, Social Security card, and a recent bank statement with my current address. 
In response, I received a letter from Experian dated XX/XX/2024, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
This response is unacceptable and appears to violate my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, when a consumer disputes the completeness or accuracy of any item of information in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Experian 's failure to conduct a reasonable investigation, despite receiving proper verification documents and a clear request, constitutes a violation of its statutory obligations under the FCRA. 
I am including a copy of my dispute letter sent to Experian, USPS certified mail proof of delivery, along with Experians response as proof.

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 2025-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/year> Complaint Against National Credit System Regarding Credit Reporting Violations I am writing to file a formal complaint against National Credit System for violations of the Fair Credit Reporting Act ( FCRA ) and failure to properly validate a debt that they continue to report on my credit report. Despite my repeated requests for validation over the past year, they have failed to provide the required documentation. 
Nature of Complaint : Failure to Properly Validate Debt : I have made multiple requests for debt validation over the past year The creditor has failed to provide authenticated double-entry accounting records They have not furnished original signed contracts or agreements proving my obligation They have not demonstrated their legal right to collect and report this debt FCRA Violations : Violation of 15 U.S.C. 1681i regarding reinvestigation of disputed information Violation of 15 U.S.C. 1681s-2 regarding furnisher responsibilities Continued reporting of inaccurate information despite dispute Failure to conduct proper investigation of disputed information Documentation Requests Ignored : No response to requests for securitization documentation No verification of permissible purpose for continued reporting No confirmation regarding whether a 1099-C was issued if debt was forgiven No response to requests for current reporting status verification 1099-C Form Request If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, as required when debt forgiveness exceeds {$600.00}. The IRS mandates that creditors issue a 1099-C form in cases where debt is canceled or forgiven in an amount over {$600.00}. If you have failed to file this form, continued reporting of this debt may be in violation of federal requirements. I request that this account be deleted from my credit report if it has been discharged or forgiven without proper reporting to the IRS. 

Previous Attempts to Resolve : I have made multiple written requests to the creditor over the past year seeking proper validation of this debt under both federal law and Georgia state law. These requests have cited relevant legal precedents including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX. The creditor has failed to respond adequately to any of these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I disputed fraudulent accounts listed on my credit report, that Early Warning, maintain under my personal information. I submitted a copy of the FTC report, and Dallas Police Report. Early Warning has violated the FCRA, by not conducting a reasonable investigation into the accounts that are listed on the report that they maintain under my personal information. Early Warning has come back and stated the information was accurate and reinserted the following accounts onto the credit file. XXXX XXXX XXXX XXXX, XXXX XXXX, and etc. Early Warning has violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Below you will see that the personal information contained in the report from Early Warning, is different from my State ID, in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> RESURGENT LIVING FUNDING Dispute Regarding Disclosure of Nonpublic Personal Information RESURGENT LIVING FUNDING " To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802.

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices.

2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information.

I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ].

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information. 


XXXX. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices.

3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information.

If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights.

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ XXXX ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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 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 2025-01-09 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: SC

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2025-01-09 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: MD

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$10000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of XXXX  I was apart of a work from home scam that resulted in the closure of my chase student checking account. The company asked me to provide my social security number, my Id and my bank information so they may set up direct deposit. Then the company began asking me to send my log in information so they can ensure that the money is going through. I began receiving large sums of money through XXXX that can not be verified and they also deposited fake checks into my account that developed closure. They also opened accounts in my name using the information I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
My information was sold to 3rd party company and they have reported it to my credit and added the wrong amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been a customer with TD BANK for about 10 years. This bank used to have better customer service than today. Now is terrible and reps and managers they think they don't need to respond when a special request is made. At my local branch in XXXX XXXX XXXX I have been trying to get new {$1.00} bills for months now since XX/XX/year>. I have been told they have been ordered, will tell you when they arrive, etc. The issue is that the bills never came or nobody ever responded to me in my emails to XXXX XXXX, XXXX XXXX, etc. These individuals have demonstrated a lack of professionalism by not responding to emails, promising the bills but never delivering the request, or just getting lost. I think as a bank they have a duty to provide requests from customer when possible. But in this case this bank never provided the bills {$1.00} new as requested for many months. But only misleading and deceptive emails I was given. This is just one request that I made. Imagine if I requested other products who knows what their excuse would be. Last email I sent was to XXXX on XX/XX/year>, XX/XX/year> and no response whatsoever. I don't what is going on at this branch.

Company response to consumer: Closed with explanation