vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 


You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : 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 2025-01-29 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: DE

Complaint narrative:
XXXX XXXX Subject : Follow-Up on Disputed Credit Report Information Request for Resolution To Whom It May Concern, I am writing to follow up on my previous complaint regarding errors on my credit reports with TransUnion. Despite submitting the necessary documentation, including my state ID and proof of address, the credit bureaus have failed to correct the issues I raised.

As a reminder, I provided my only current and valid address to the credit reporting agencies ; however, outdated addresses remain listed on my credit reports. Additionally, there are several discrepancies involving names, phone numbers, and inquiries that are incorrect or do not belong to me. 

The specific issues I am disputing are as follows : Addresses : 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 Inquiries : XXXX XXXX  ( I have not authorized these inquiries ) I have attached a copy of the FTC report I filed, which further outlines my concern about identity theft and the erroneous information listed on my credit reports.

I am particularly disappointed with TransUnions response to my initial complaint, as they did not address the core issues and simply stated that the information I disputed is not on my credit report. This response does not resolve my concerns, as the erroneous information is still present on my credit reports with TransUnion. 

I am requesting that the CFPB assist in ensuring that the outdated and incorrect informationspecifically the addresses, phone numbers, and names associated with my fileare removed, and that all inaccurate inquiries be properly investigated. I am providing this updated letter as a formal follow-up to my initial complaint, as I have not received the proper resolution. 

Please advise me on the next steps and how to ensure these errors are fully corrected. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I received a letter from Complete Payment Recovery Services , Inc., regarding {$60.00} in debt that I owe to XXXX XXXX XXXX XXXX XXXX 

I have never received any communication from XXXX XXXX XXXX XXXX, regarding this issue, and the letter is from a debt collector. 

To my knowledge, I owe no debt to either of these companies. No proof of any transaction or debt is attached to or included with the document from Complete Payment Recovery Services.

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 2025-01-29 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:
Equifax stated that all information was addressed and removed all accounts from my credit reporting that were in the complaint, but they did not. I placed a call to Equifax on XX/XX/XXXX and spoke to a manager because I seen on my credit report there were still there. After speaking to a manager she stated she was going to remove the additional accounts still showing inaccurate on my credit reporting including correcting my name, but nothing was fixed. The reference # for the correction is XXXX. I will be submitting another complaint for Equifax based on them not truthfully resolving the concerns in the first complaint. The following accounts below need to be removed IMMEDIATELY. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXf the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of XXXX. Please delete the following accounts and names : Accounts : Creditor : ( 1 ) Dept of Ed Account : XXXX Balance : {$12000.00} Date : XX/XX/XXXX Creditor : ( 2 ) Dept of Ed Account : XXXX Balance : {$2100.00} Date : XX/XX/XXXX Creditor : ( 3 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 4 ) Dept of Ed Account : XXXX Balance : {$2000.00} Date : XX/XX/XXXX Creditor : ( 5 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 6 ) Dept of Ed Account : XXXX Balance : {$3700.00} Date : XX/XX/XXXX Name correction, Correct Name : XXXX XXXX. XXXX ( only name ) Remove Name : XXXX XXXX Address, Current address ( only ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove Address ( unknown ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
Equifax stated that all information was addressed and removed all accounts from my credit reporting that were in the complaint, but they did not. I placed a call to Equifax on XX/XX/XXXX and spoke to a manager because I seen on my credit report there were still there. After speaking to a manager she stated she was going to remove the additional accounts still showing inaccurate on my credit reporting including correcting my name, but nothing was fixed. The reference # for the correction is XXXX. I will be submitting another complaint for Equifax based on them not truthfully resolving the concerns in the first complaint. The following accounts below need to be removed IMMEDIATELY. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of XXXX. Please delete the following accounts and names : Accounts : Creditor : ( 1 ) Dept of Ed Account : XXXX Balance : {$12000.00} Date : XX/XX/XXXX Creditor : ( 2 ) Dept of Ed Account : XXXX Balance : {$2100.00} Date : XX/XX/XXXX Creditor : ( 3 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 4 ) Dept of Ed Account : XXXX Balance : {$2000.00} Date : XX/XX/XXXX Creditor : ( 5 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 6 ) Dept of XXXX Account : XXXX Balance : {$3700.00} Date : XX/XX/XXXX Name correction, Correct Name : XXXX XXXX. XXXX ( only name ) Remove Name : XXXX XXXX Address, Current address ( only ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove Address ( unknown ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited {$100.00} XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX And it didnt go through and I received no receipt and then I called the bank as instructed and they said I must wait ten business days. 
I am not happy with this because I needed my money then and there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NV

Complaint narrative:
I recently check my credit report and see some fraudulent account XXXX XXXX XXXXXXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Account XXXX XXXX finance opened XX/XX/XXXX XXXX Account XXXX XXXX finance opened XX/XX/year>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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CL Holdings LLC
State: NV

Complaint narrative:
1681 0 for civil liability for negligence, not complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
My School is part of the school misconduct lawsuit a few years ago, the department of education already discharged my federal student loans. I had a small loan with XXXX ( now Mohela ) I contacted them about the school misconduct complaint, they advised me to do the school misconduct application. I did my first application one XX/XX/year>XXXX  I got a denial letter XX/XX/scrub>XXXX XXXX When I call to appeal they wont tell me why its denied the rep just told me to do another one add more info but I dont know what they are looking for, so i redid the application with more information and more details and that also got denied. Sent two more after that and they saying its a repeated request so its denied. I called multiple times and they told me I would get a call back from advocate and still no call back going on 2 weeks with multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NM

Complaint narrative:
On multiple occasions I have submitted disputes online as to the validity of the companies and debts allegedly owed, including original contracts and agreement signed by all parties involved, and also through email for some companies. I do not recognize any of these companies as ever having loans through them but theyre reporting as original creditor on my reports. I have never received the information requested and nothing ever changed on my reports. As far as disputed I either I got a determination saying its valid debt within just a few days saying the debt was validated with no proof from the bureaus equivalent, trans union, and XXXX ( which seems odd because there was no investigation ) and I never received proof. I have also reached out to the companies directly on multiple occasions through response to emails and never receive everything I asked for. XXXX XXXX, XXXX XXXX XXXX, and XXXX capital are the three companies that I can remember. XXXX XXXX was the one through email. All are reporting as original creditor and have dates saying they were opened within the last year which I know I have not taken any loans or credit cards in the past several years and none from any of these companies.

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 2025-01-29 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: NM

Complaint narrative:
On multiple occasions I have submitted disputes online as to the validity of the companies and debts allegedly owed, including original contracts and agreement signed by all parties involved, and also through email for some companies. I do not recognize any of these companies as ever having loans through them but theyre reporting as original creditor on my reports. I have never received the information requested and nothing ever changed on my reports. As far as disputed I either I got a determination saying its valid debt within just a few days saying the debt was validated with no proof from the bureaus equivalent, XXXX XXXX, and experian ( which seems odd because there was no investigation ) and I never received proof. I have also reached out to the companies directly on multiple occasions through response to emails and never receive everything I asked for. XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX are the three companies that I can remember. XXXX XXXX was the one through email. All are reporting as original creditor and have dates saying they were opened within the last year which I know I have not taken any loans or credit cards in the past several years and none from any of these companies.

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 2025-01-29 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: TX

Complaint narrative:
The Fig Loans Ince account ending in XXXX is reporting 120 days late every single month, however I have a payment arrangement with this company and have made all payments on time. The payment amounts that I have made to this account are also reporting inaccurately on my report. They have also included comments on the report stating 180 days past due. Since the date of the start of the payment arrangement, this account has been paid on time, however each month it is being reported 120 - 180 days late every single month. It goes from 120 to 150 to 180, back to 120 then repeats the cycle.

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 2025-01-29 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: Fig Tech Inc.
State: TX

Complaint narrative:
The Fig Loans Ince account ending in XXXX is reporting XXXX  days late every single month, however I have a payment arrangement with this company and have made all payments on time. The payment amounts that I have made to this account are also reporting inaccurately on my report. They have also included comments on the report stating XXXX  days past due. Since the date of the start of the payment arrangement, this account has been paid on time, however each month it is being reported XXXX  - XXXX  days late every single month. It goes from XXXX  to XXXX  to XXXX, back to XXXX  then repeats the cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

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 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXX, XXXX, XXXX  XXXX Re : Dispute for Permanently Removing Accounts Dear XXXX ( and Experian ), I, XXXX XXXX XXXX, am writing to dispute and request the permanent removal of the following accounts from my credit report, which are currently inaccurately reported and harming my credit score : XXXXXXXX XXXX  XXXX ( account number : XXXX ), XXXX XXXX Bank ( account number : XXXX ), XXXX XXXXXXXX Bank ( account number : XXXX ), XXXX XXXX XXXX  ( account number : XXXX ), XXXX Bank XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), and XXXX XXXX  ( account number : XXXX ). 

Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( d ) ) and Regulation V, 12 CFR Part 1022, Section 611, which prohibits the reporting of accounts that are not in dispute or past due, I request that you ( and Experian ) verify the accuracy of these accounts and permanently remove them from my credit report within five ( 5 ) business days from the date of this letter, under the penalty of Section 616 of the FCRA ( 15 U.S.C. 1681n ), as failure to do so may result in liability for actual damages and statutory damages of not less than {$1000.00}. 

Sincerely, 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