vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: WI

Complaint narrative:
Follow-Up on Unauthorized Credit Inquiries No Response from TransUnion ( XXXX # XXXX ) I am submitting this follow-up due to a lack of response from TransUnion regarding my original dispute filed on XX/XX/scrub> 2025, regarding unauthorized hard inquiries on my credit report by XXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX 
TransUnion has exceeded the 30-day response window under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681b ). I did not authorize these inquiries and have not received any documentation or resolution.

Attached is my formal follow-up letter, which includes a demand for removal and supporting documentation.

I am requesting CFPB oversight to ensure this matter is resolved promptly and in compliance with federal law.

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: PA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
I'm trying to close an account that I had with my mom who is now deceased in Popular Bank of Puerto Rico. I've provided all legal documentation and they are refusing to move forward. Allegedly, the legal department is reviewing the request. The request is in limbo because according to the customer service representative, nobody has been assigned the request. The representative has diligently tried calling the legal department with no avail. 
In the meantime, the bank continues to charge a monthly fee and the account is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the listing of an account on my credit report with your bureau. Upon reviewing my records, I have found that the things that are reported on my credit that are not correct please update remove and lock my credit profile.

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 2025-04-14 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: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account name : XXXX Account number : XXXX * Open Date : XX/XX/XXXX Balance : {$1100.00} Account name : XXXX  Account XXXX : XXXX * Open Date : XX/XX/XXXX Balance : {$1100.00} Account name : XXXX  Account number : XXXX * Open Date : XX/XX/XXXX Balance : {$520.00} Account name : XXXX Account number : XXXX * Open Date : XX/XX/XXXX Balance : {$5500.00} Account name : XXXX XXXX  Account number : XXXX * * * * * * * * * Open Date : XX/XX/XXXX Balance : {$680.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-04-14 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: CO

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: IA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: IA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I respectfully request that the unauthorized accounts be blocked and removed from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Ive enclosed supporting documents for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Makes Cents, Inc. dba Advance.Cash
State: PA

Complaint narrative:
I took out a loan in the amount of {$1000.00} on XX/XX/year>. I was explained to on the phone that I could have an early payoff option which would help lower the overall amount I would end up paying back. While I knew the interest was high, I did not realize that the interest comes to about {$12.00} a DAY and that even with an early payoff option off, Im still paying well over 100 % interest rate on the loan. Carried out to the 20 bi-weekly payment term, I would be paying a total of {$4300.00} which is {$3300.00} in INTEREST alone. Even for a lender with sovereign claim, I think this loan is illegal. As of today, XX/XX/year>, my job security is in jeopardy and I would not be able to make the payments of {$210.00} every other week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Only the name XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXX XXXX XXXX, XXXXXXXX XXXX. Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. Based on The Electronic Communications Privacy Act ( ECPA ) of 1986 and The Privacy Act of 1974, 5 U.S.C. 552a, is it my right to protect my private personal information from being furnished to the public. The phone number social security and birthdate fields must be blank. I revoked any and all consent given too this company. Remove this information

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Only the name XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXX XXXX XXXX, XXXXXXXX XXXX. Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. Based on The Electronic Communications Privacy Act ( ECPA ) of 1986 and The Privacy Act of 1974, 5 U.S.C. 552a, is it my right to protect my private personal information from being furnished to the public. The phone number social security and birthdate fields must be blank. I revoked any and all consent given too this company. Remove this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-04-14 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: NJ

Complaint narrative:
I revoke and cancel any and all alleged contracts ( promissory notes ) and alleged agreements if any with XXXX XXXX. I sent this notice by mail and I will also attach it here. I revoke agreement & authorization for this alleged debt to be sold, transferred to any unaffiliated third parties thats not affiliated with XXXX XXXX. I revoke any agreements to credit reporting. I refuse to pay this alleged debt and I do not recall any knowledge of this alleged debt. 
Please keep in mind, Several Supreme Court cases, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, have affirmed fundamental rights to privacy. I am prepared to file a lawsuit in federal court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS STOLEN AND COMPROMISED IN A FEW DATA BREACHES EQUIFAX AND XXXX ETC AND I SAW A VEHICLE AMONGST OTHER ITEMS WERE ILLIGALLY POSTED TO MY CREDIT REPORT I NEVER SIGNED OR APPLIED FOR ALLEGED ITEMS

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS STOLEN AND COMPROMISED IN A FEW DATA BREACHES EQUIFAX AND XXXX ETC AND I SAW A VEHICLE AMONGST OTHER ITEMS WERE ILLIGALLY POSTED TO MY CREDIT REPORT I NEVER SIGNED OR APPLIED FOR ALLEGED ITEMS

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 2025-04-14 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian you are reporting open accounts that are closed, XXXX and XXXX report these enclosed account as closed as shown in PDF I request that you closed these account because this is factual disputing XXXX, XXXX, XXXX, XXXX, XXXX under the FCRA and the FDCPA you are in violation accounts should be the same status, not requesting a investigation just same on all three reports between the 3 credit companies please reply through the CFPB

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 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Paypal is the company. Money was taken from my Paypal account from a scammer, without my knowledge. I disputed the charges with Paypal but they denied my claim. Amount was {$2200.00}. This was on or about XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: SC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-04-14 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 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 2025-04-14 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: AZ

Complaint narrative:
Beyond Finance did not disclose upfront or clearly what their fees are - 25 % of your total debt. 
Beyond Finance did not stay in communication with XXXX  XXXX XXXX on my behalf. The bank ended up hiring an attorney, taking steps to sue me and garnish my wages. 
Beyond Finance Representatives do not seem knowledgeable on the process of finalizing/closing out an account. I have spoken with them at least 5 times to attempt to discover the full pay-off amount I owe them - I receive information on a different amount each time. Each time a speak with a Representative, they, " need additional funds ''. 

Seems like a lot of hoops to jump through and they have a moving target when it comes to payoff and, " graduating '' their program.

Company response to consumer: Closed with explanation