vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date XX/XX/XXXX Attached are 5 doctors of proof that TransUnion is deceitful taking stealing peoples points! 

Re : XXXX who provided proof which is attached. 

Re : TransUnion illegally, falsifying taking XXXX points. 

Everything has also been sent to Consumer Financial Protection Bureau CFPB and to Federal Trade Commission FTC This is not the first time that I have written to you all inregards to TransUnion falsifying taking XXXX points from me. 
TransUnion needs to be exposed which Ill be doing on my platform of over XXXX followers on my XXXX page for the world to see how conniving and disgusting, impeccable TransUnion are. 

My name is XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX TX XXXX. 

On XX/XX/XXXX TransUnion XXXX XXXX points from my credit, as per below TransUnion saying Im late for XXXX my car company. Funny as XXXX who sent me a statement which shows I am way ahead of all my payments this year in fact Ive already even paid up to XX/XX/XXXX. 
XXXX stated that TransUnion are complete liars and need to be sued! 
See attached Flagship statement showing NO LATE PAYMENT this year at all!!! 

I took screen pics of what TransUnion FAULSE comments were and funny enough that XXXX hasnt yet even reported XX/XX/XXXX to them as they have to wait for XX/XX/XXXX to end before they can even report XX/XX/XXXX! So how does TransUnion report late XX/XX/XXXX before XXXX have even reported to any credit bureau??? 
XXXX laughed said, wow we havent even reported XX/XX/XXXX or XX/XX/XXXX yet. 

TransUnion bogas lies attached says XX/XX/XXXX to XX/XX/XXXX that XXXX late on XXXX payment. LIE see attached the proof from XXXX. 

Now, isnt it just a coincidence or is it illegal and deceitful of TransUnion that they also did this to me last year in the exact same month, XXXX on XXXX as well. 
So I have also attached XX/XX/XXXX statement showing NOT LATE! 

Now you have XX/XX/XXXX and XX/XX/XXXX both years XXXX statements showing NOT LATE! 

I want my XXXX point back for XX/XX/XXXX and I want my XXXX points back for XX/XX/XXXX. Or you will be sued. 

See ALL proof sent with this letter. I have made a copy of everything for my own records for when I sue TransUnion and expose their incompetence and how they steal points from people and theres no justification over it because I have the proof! 

TransUnion your are absolutely despicable liars.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To my knowledge, but it is showing to before my discovery. As of XX/XX/XXXX, I have been hacked, and identity was stolen. I am also missing money from my XXXX XXXX account and possibly others. I still am trying to regain access to all my accounts, email, sign on 's etc.. to verify. Please note cell phone and computer hack began on XX/XX/XXXX. I am a part of the XXXX hack. My property XXXX XXXX XXXX XXXX XXXX contact manager XXXX XXXX is involved in the XXXX hacking. There has also been previous fraud and fraud activity at the address I currently reside at of XXXX XXXX XXXX XXXX XXXX Fl. XXXX. The fraud involves a previous tenant, XXXX XXXX. I learned all of this with the assistance of the US postal service and from feedback from a neighbor at XXXX XXXX XXXX XXXX XXXX FL XXXX. XXXX XXXX never disclosed any previous information about the property. 


Local law enforcement was notified and processed 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending to formally address discrepancies in my credit report and request a fair resolution. I respectfully ask that you review and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough review and reinvestigation of any disputed items on my credit report. If any item can not be verified with concrete evidence, I ask for its immediate removal to avoid any inaccuracies that may adversely impact my credit standing.

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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
They have blocked my card or access to my funds because I filed a dispute with a company that scammed me I sent them all the evidence they needed today I went to go make a purchase and I was told I could not use my card Im unable to transfer my money into to my XXXX XXXX account and I think that it is kinda crazy to have blocked my card for making a dispute over a scam how am I gon na get protection from scammers or do they support those actions i dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX has provided written confirmation acknowledging that an inaccurate special comment code was furnished to all three major credit reporting agenciesTransUnion, Experian, and Equifax. Despite this admission, when I initiated separate disputes with each credit bureau seeking correction of the erroneous information, XXXX XXXX XXXX responded within 24 hours to each dispute by affirming the inaccurate special comment code as accurate. I am in possession of a signed letter from XXXX XXXX XXXX explicitly acknowledging their reporting error. Nevertheless, the representations made to me in writing have not been similarly conveyed to the credit reporting agencies.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax about some inquiries that how been on my credit report they stating she would put for this dispute for them and it would take 30 days was the first date XX/XX/XXXX and on XX/XX/XXXX and no results showing. CompanyXXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Request Originator XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX, NC XXXX Request Originator XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently get a copy of copy of my credit report and noticed several inaccuracies plus unauthorized information/accounts reporting to my credit report. These remarks have been very detrimental to my life and credit health as well as my XXXX childrens

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently get a copy of copy of my credit report and noticed several inaccuracies plus unauthorized information/accounts reporting to my credit report. These remarks have been very detrimental to my life and credit health as well as my XXXX childrens

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 2025-04-12 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a XXXX customer of Wells Fargo that could not receive an equity line of credit mortgage modification since XX/XX/XXXX. To date, Wells Fargo has never mentioned that this type of loan was not being sold anymore. I was strung alone with non-delinquent Well Fargo 1st mortgage, NC property taxes, HOA fees, property insurance, and utilities. My 1st application was halted between several non-communicating preservation specialists that are not Wells Fargo employees and only one has solicited me for loan services with a different mortgage. My account was placed in foreclosure status and immediately reported to the 3 credit bureaus while Wells Fargo home preservation office was experiencing a reduction of preservation specialist, a merry-go-round of preservation specialist until XX/XX/XXXX. 

My account was reinstated on XX/XX/XXXX, with a dated letter mailed after my Friday, XX/XX/XXXX, credit bureaus inquiries to the Wells Fargo Executive Review Team. Wells Fargo attorney started seeking an extension with XXXX XXXX on XX/XX/XXXX, and it did not receive the courts approval. Wells Fargo Attorney XXXX did not have a hearing or told the courts to remove my XX/XX/XXXX, XXXX court hearing 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 2025-04-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Brookhaven Law Group PLLC
State: IL

Complaint narrative:
On XXXX XXXX I signed up for a debt relief program mistakenly in search of a personal loan. 
After thoroughly reading the details of the program I decided I did NOT want to risk damaging my credit ( as I have a 99.25 % on time payment rating. ) On XXXX XXXX less than XXXX hrs later. 
I contacted Brookhaven Law group to cancel my contract. I spoke with a woman on the phone and was ASSURED my bank account was safe and no charges would be made or any credit accounts frozen .I followed up with an E-mail to ensure this stating I opted out of the program.And my contract was to be cancelled. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I called both the bank ( not very helpful ) and XXXX XXXX group. I was told a mistake was made and an escrow account was created to hold my funds and that my contract wasn't closed out. 
Again I asked that everything be closed and my funds be returned. 
Funds can not be returned until XXXX days after the escrow account closes. 
Ok, fine. 
XXXX XXXX I went to make a purchase on my XXXX card. it was declined I called XXXX on XXXX XXXX and learned that Brookhaven Law group by way of '' power of attorney '' had closed my account.There was nothing I can do. 
Again on XXXX XXXX I called Brookhaven Law group and expressed my frustration and asked which accounts were effected and how to remedy this problem. 
I am now waiting on a release of power document that I must send to each and every creditor effected ( which I do not know ) Also, due to a previous issue similar to this. 
Where as my same XXXX card was cancelled ( no fault of my own ) My credit line dropped from XXXX to XXXX because I had to reapply. 
If I have to reapply again I'll get rejected. 
Any help with this situation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
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. This is a violation of both 15 U.S. Code 1681b ( 2 )
and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that this account be removed from my credit report since it is not applicable to me. I am requesting that the credit bureau provide me with the debt certification signed by me. If they don't have it, I have requested that this account be immediately removed from my credit report since it is seriously affecting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
this account is closed but it was somehow reinstalled back on my credit reports on XX/XX/XXXX this account stop at XXXX for a car that was a lemon

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 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
XXXX XXXX is selling my information to multiple collection agencies without my authorization. After the free trial, I cancelled the service but was still charged as if I was keeping the service. The company agreed to reverse the charges but sent my information to collections instead

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Final Notice Dispute of Unauthorized Collection Account I am writing to follow up on my previous letters, sent on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX regarding a collection account on my credit report that I believe is inaccurate. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ), I request that this account be properly investigated and removed.

Here are the details of the disputed account : Creditor/Agency : XXXX XXXX XXXX Account Number : XXXX Amount : {$800.00} Date of Account : XX/XX/XXXX So far, I have not received any valid proof that this debt is legitimate. As per Section 809 of the FDCPA ( 15 U.S.C. 1692g ), you are required to provide proper validation of this debt. Additionally, the FCRA ( 15 U.S.C. 1681i ) mandates that you investigate disputed information and either correct or delete any inaccurate or unverifiable entries. Under the CFPA ( 12 U.S.C. 5531 ), it is prohibited to engage in unfair or deceptive practices when collecting consumer debts.

For your reference, I have attached copies of my previous correspondence along with supporting documentation, a debt validation letter sent to the collection agency that never received a response, an FTC report, a copy of my ID for verification purposes, and my SSN.

I appreciate your attention to this matter and expect a written response within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief