vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
I am submitting this complaint to TRANSUNION regarding inaccurate information reported on my credit file that has not been validated, confirmed as accurate, or physically verified. 

I have noticed potentially incorrect and highly questionable entries on my credit report that have not been properly verified. As a consumer, I am entitled to request the removal of these entries immediately, in accordance with my federal and state consumer rights. This complaint also serves as a check to ensure that the items you report are in compliance with XXXX XXXX XXXX, Section XXXX, which outlines the proper procedures. 

LATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$960.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} Date Opened : XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$800.00} Date Opened : XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$530.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXXXXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-05-02 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-05-02 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Describe what happened : In XXXX, XXXX to XX/XX/XXXX, I purchased an auto insurance policy through XXXX XXXX. I canceled the policy before the full term was used, and XXXX did not provide coverage for the remaining term. Despite this, XXXX reported a balance to the credit bureaus as if I had received full coverage, which is incorrect and misleading. 

After discovering the account on my credit report, I disputed the item with the credit bureaus, stating that the policy was canceled and no services were rendered for the remaining term. However, the item was erroneously verified and remains on my report. 

This inaccurate reporting is damaging my creditworthiness, and I believe it violates the Fair Credit Reporting Act ( FCRA ), particularly the requirement that only accurate and verifiable information may be reported. 

Dates and Actions : Policy start date : XX/XX/XXXX Policy cancellation date : XX/XX/XXXX Date XXXX reported to the credit bureau : Dispute submitted to credit bureau : XX/XX/XXXX Credit bureau response : Verified XX/XX/XXXX Experience Report Number XXXX Account number XXXX XXXX did not provide coverage after cancellation, yet still reported a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
on XX/XX/XXXX I sent in a request to Mohela for past statments of unpaid interest since I didn't receive information for months then got back to back messages with conflicting information. They replied on XX/XX/XXXX telling me how to get my current statements. On XX/XX/XXXX I resubitted a request for interest being acuured on my unpaid interest and they sent back the log of current balances and none of the information I asked for. On XX/XX/XXXX I downloaded all my individual loan information to have on file. On XX/XX/XXXX I downloaded all my loan information again to compare to my XX/XX/XXXX information. This is when I realized the two statement did not match up on past payments I was making while my loans were in forbearance. They had moved around how those payments were being allocated to the blance of my loan and to interest. The information I have on the XX/XX/XXXX statement shows my last XXXX payments, on XXXX I paid XXXX toward principle and XXXX towards interest, on XX/XX/XXXX shows XXXX towards principle and XXXX towards interest, on XX/XX/XXXX I paid XXXX towards principle and XXXX towards interest, on XX/XX/XXXX I paid XXXX towords principle and XXXX towards interest, and on XX/XX/XXXX I paid XXXX towards principle and XXXX towards interest. 
But then on my XXXX statement it says on XXXX I paid XXXX towards principle and XXXX toawrds interest, on XX/XX/XXXX I paid XXXX towards principle and XXXX towards interest, on XX/XX/XXXX I paid XXXX towards principle and XXXX towards interest, on XX/XX/XXXX I paid XXXX towards principle and XXXX towards interest, and on XX/XX/XXXX I paid XXXX towards principle and XXXX towards interest. Also on my XXXX 1098 E tax form it says I paid XXXX in interest, but in total that my account now say says that I paid, with the adjustments they made, its XXXX. Further Information I have is that on XX/XX/XXXX I got an account statement saying I had {$100.00} of unpaid interest but then I made a payment on XX/XX/XXXX and XXXX of that went towards interest. I got a series of statements on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all stating different unpaid interest amount. On XX/XX/XXXX I got a loan update that broke down how much unpaid interest each loan had, one of which had XXXX dollards unpaid interest, but then when comparing my XX/XX/XXXX and XX/XX/XXXX statments that loan has increased in amount by {$35.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting multiple derogatory accounts that are misleading and inconsistent, which directly impacts the accuracy of my credit report. These accounts include XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) at {$6900.00}, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) at {$7400.00}, XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX ) at {$13000.00}, XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX  ) at {$5500.00}, XXXX ( XXXX XXXX XXXX XXXX XXXX  ) listed at {$0.00}, XXXX  XXXX XXXX ( XXXX XXXX XXXX ) at {$5300.00}, and XXXX  ( XXXX XXXX XXXX XXXX XXXX  ) at {$280000.00}. This collection of accounts includes redundancies, discrepancies in masked account numbers, questionable statuses ( like a {$0.00} balance in collections ), and unusually high mortgage-related balances reported as charge-offsall of which raise red flags. The presence of both consumer finance and mortgage accounts labeled as charged off, especially in varying formats, indicates possible misreporting or data compromise. The inconsistent formatting and data quality suggest this may be tied to a data breach or internal mishandling. Under 15 USC 1681e ( b ), Experian is legally obligated to ensure accurate and verified data, which clearly has not occurred.

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 2025-05-02 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:
More than thirty days ago, I sent a notice to XXXX XXXX credit reporting agencies XXXXXXXX XXXX XXXX Equifax disputing the inaccurate information obtained by XXXX XXXX. XXXX XXXX repossessed a vehicle from me in XX/XX/XXXX. The vehicle loan was not in default of any kind at that time. The towing company that picked up the vehicle said to me that he was told to pick up the vehicle. XXXX XXXX has since repeatedly reported misleading and false information to the credit reporting agencies XXXX XXXX, and Equifax. XXXX XXXX has inflated the price of the vehicle and fees, reported inaccurate dates of the repossession to look as if the vehicle was repossessed in XXXX XXXX XXXX has changed the payment status on the account to the credit reporting agencies to reflect its deceptive and fraudulent behavior. The account was never late. 
XXXX XXXX has continued to harass me by way of using the credit reporting agencies XXXX XXXX XXXX  Equifax.This harassment has been by way of a wrongful repossession, falsifying and inflating the cost of the vehicle, altering the payment method of the account, and continually refiling a repossession and falsifying the dates of the repossession for years. 

The deceptive practice of XXXX XXXX is within your scope to investigate. I ask that an investigation is also conducted on XXXX XXXX XXXX  Equifax. These XXXX credit reporting agencies have allowed this deceptive behavior to continue for years. They have been notified several times regarding this matter and the fraudulent activities of XXXX XXXX. I ask that an investigation is done in this matter based on the Fair Credit Reporting Act, Fair Credit Billing Act, Truth and Lending Act, Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
More than thirty days ago, I sent a notice to XXXX XXXX credit reporting agencies XXXX Experian, XXXX XXXX disputing the inaccurate information obtained by XXXX XXXX. XXXX XXXX repossessed a vehicle from me in XX/XX/XXXX. The vehicle loan was not in default of any kind at that time. The towing company that picked up the vehicle said to me that he was told to pick up the vehicle. XXXX XXXX has since repeatedly reported misleading and false information to the credit reporting agencies XXXX, Experian, XXXX XXXX. XXXX XXXX has inflated the price of the vehicle and fees, reported inaccurate dates of the repossession to look as if the vehicle was repossessed in XXXX XXXX XXXX has changed the payment status on the account to the credit reporting agencies to reflect its deceptive and fraudulent behavior. The account was never late. 
XXXX XXXX has continued to harass me by way of using the credit reporting agencies XXXX, Experian, XXXX XXXX.This harassment has been by way of a wrongful repossession, falsifying and inflating the cost of the vehicle, altering the payment method of the account, and continually refiling a repossession and falsifying the dates of the repossession for years. 

The deceptive practice of XXXX XXXX is within your scope to investigate. I ask that an investigation is also conducted on XXXX Experian, XXXX XXXX. These XXXX credit reporting agencies have allowed this deceptive behavior to continue for years. They have been notified several times regarding this matter and the fraudulent activities of XXXX XXXX. I ask that an investigation is done in this matter based on the Fair Credit Reporting Act, Fair Credit Billing Act, Truth and Lending Act, Equal Credit Opportunity Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
More than thirty days ago, I sent a notice to all XXXX credit reporting agencies Transunion, XXXX XXXX XXXX disputing the inaccurate information obtained by XXXX XXXX. XXXX XXXX repossessed a vehicle from me in XX/XX/XXXX. The vehicle loan was not in default of any kind at that time. The towing company that picked up the vehicle said to me that he was told to pick up the vehicle. XXXX XXXX has since repeatedly reported misleading and false information to the credit reporting agencies Transunion, XXXX XXXX XXXX XXXX XXXX has inflated the price of the vehicle and fees, reported inaccurate dates of the repossession to look as if the vehicle was repossessed in XXXX XXXX XXXX has changed the payment status on the account to the credit reporting agencies to reflect its deceptive and fraudulent behavior. The account was never late. 
XXXX XXXX has continued to harass me by way of using the credit reporting agencies Transunion, XXXX XXXX XXXX.This harassment has been by way of a wrongful repossession, falsifying and inflating the cost of the vehicle, altering the payment method of the account, and continually refiling a repossession and falsifying the dates of the repossession for years. 

The deceptive practice of XXXX XXXX is within your scope to investigate. I ask that an investigation is also conducted on Transunion, XXXX XXXX XXXX. These XXXX credit reporting agencies have allowed this deceptive behavior to continue for years. They have been notified several times regarding this matter and the fraudulent activities of XXXX XXXX. I ask that an investigation is done in this matter based on the Fair Credit Reporting Act, Fair Credit Billing Act, Truth and Lending Act, Equal Credit Opportunity Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
TransUnion is inaccurately listing Also Known As names such as XXXX, XXXX, XXXX that do not reflect my identity or name history. These incorrect identifiers raise serious concerns of data merging or compromise, likely due to a breach or human error in reporting. This violates 15 USC 1681e ( b ) which requires reasonable procedures for ensuring maximum possible accuracy.

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 2025-05-02 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I did request an investigation from these companies to remove/update the inaccuracy from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
b'I had multiple high-annual-fee credit cards with American Express, and paid the full annual fee recently. But shortly after I paid fee, American Express closed my accounts. I contacted them asking for a prorated refund of the fee and got denied. \n\nHere are the cards that I paid annual fee and the date and amount. 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 XXXXAll of my cards were closed on 1XXXX so I should get partial refund for all of them. 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

Company response to consumer: Closed with explanation