vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX  XXXX, FL XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Glory LLC
State: OH

Complaint narrative:
Credit glory promised to get rid of debt and all they managed to do is take {$480.00} {$1.00} on XXXX XXXX 2024 {$79.00} on XX/XX/year> {$290.00} on XXXX 2024 {$99.00} on XX/XX/year> and provided {$0.00} in debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I opened a checking and savings account at XXXX XXXX XXXX  XXXX XXXX XXXX XXXXy XXXX on XXXX the XXXX XXXX. I made a deposit in the checking of {$1000.00} and a deposit in my savings of {$1000.00} the gentleman named XXXX who filled out all my papers at his desk I counted the money he recounted it carried it to the tiller and handed it to me. The next day I get a email saying that my savings account had been closed because there was only {$150.00} in there and I had not touched it. I am XXXX XXXX XXXX and XXXX  and I walked up to that bank to talk to them they would not show me no cameras nothing said they would call me. I just received the phone call today that there was only {$150.00} deposited in that account and they hung up. Someone please help me

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 2025-03-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Failure to Properly Investigate Bankruptcy To Whom It May Concern, I am submitting a formal complaint against TransUnion for failing to properly investigate and correct inaccurate bankruptcy information on my credit report. Despite my multiple attempts to dispute the errors, TransUnion has not conducted a thorough investigation or provided any resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have provided TransUnion with all necessary supporting documentation regarding my dispute, yet they have failed to take corrective action. Their negligence is negatively affecting my credit score and overall financial well-being. 

I request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion fulfills its legal obligations under the FCRA. Additionally, I ask that TransUnion be directed to conduct a proper investigation and update my credit report accurately and in a timely manner. 

Enclosed are copies of my dispute correspondence with TransUnion and any relevant supporting documents. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue. 

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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX I sent Experian, Equifax, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX I sent Experian, Equifax, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I had my income tax sent to XXXX  XXXX  serve card. ( As Im going thru a divorce and didnt want my money sent to our joint account ). XXXX  sent my card to an old address. I tried changing my address in my online account even sent a picture of my drivers license to them with the correct address. They will not issue me a new card or send XXXX to the correct address with a picture of social security card. ( Which I can not find ) I have XXXX dollars that I have not been able to access. I should be able to provide other forms of identification other my social security card. Its been an absolute nightmare dealing with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXXXXXX 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 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

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 2025-03-17 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: MD

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I am writing to formally submit a complaint regarding a potential violation of my rights under the XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and the XXXX XXXX XXXX XXXX XXXX ( XXXX  ). I have reason to believe that my protected student information was accessed, shared, or misused without my consent, in violation of federal law. 

I can not say with certainty, which records have been illegally accessed or to what nefarious or improper use that data may be subjected, but I am forced to assume that ALL my records have been compromised. 

There are widespread news articles written about XXXX XXXX and his XXXX  team breaking into various government departments and illegally accessing PII of XXXX XXXX. XXXX of those departments is the XXXXXXXX XXXX XXXXXXXX. This illegal and unauthorized access of my PII has been widely reported and is not in dispute. 

For instance this article in The XXXXXXXX XXXX XXXX XXXX XXXX Or this article from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Or this article from XXXX XXXX XXXX XXXX XXXX XXXX While it is reported that access has been temporarily halted by court orders, that doesn't immediately ensure that my data was NOT ALREADY ACCESSED without my consent, nor, since this current administration has already shown a brazen disregard for following court orders, does it mean my data won't be accessed illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I previously disputed this loan because I paid what I owed to the school directly while I was attending my XXXXXXXX XXXX  back in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 
However, the school did not apply my payments to the loan. This was a private XXXX XXXX  that was forced to shut down the following semester after my XXXX  graduated due to illegal activities. Some of my other classmates also experienced the same thing that I did. 
I submitted all the required information and did not hear back. 
I re-submitted the information and when I resubmitted it I was told I was too late in reporting. I tried again and was told they would look into the matter. 
I applied for the XXXX discharge multiple times and was not approved. 

I even tried to pay the remaining balance to have it removed from my credit all together. However, it looks like these payments were never applied to my balance as I just logged in today and see that I owe much more than what I initially paid back in XX/XX/XXXX. 
I wrote XXXX checks XXXX for {$780.00} and another for {$520.00} to Mohela to take care of the balance that I was being asked to pay. I am now being charged thousands more and I have those statements available to show proof. 

My XXXX XXXX has dropped from an XXXX to a XXXX in XXXX month. 
I need this issue solved ASAP and my XXXX XXXX fixed. 
This is absurd.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-17 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: MD

Complaint narrative:
I have been disputing these issues on my credit report for years now. They keep changing the dates on the suppose debt to make it look like it's new and keep reporting things as open when in fact I don't have these accounts, should reflect closed or removed. 

XXXX XXXX XXXX, {$810.00}, and XXXX XXXX XXXX, XXXX not mine, reflects consumer disputed but states its an open account, should be removed or CLOSED and they change the dates of the debt to make it reflect on my credit report which is interesting. 

My address on all three agencies should be just XXXX. 
All others need to be removed, I have tried and they just don't do it. 

This is being reported from all of the credit reporting agencies. 


TransUnion XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2025-03-17 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: MD

Complaint narrative:
I have been disputing these issues on my credit report for years now. They keep changing the dates on the suppose debt to make it look like it's new and keep reporting things as open when in fact I don't have these accounts, should reflect closed or removed. 

XXXX XXXX XXXX, {$810.00}, and XXXX XXXX XXXX, XXXX not mine, reflects consumer disputed but states its an open account, should be removed or CLOSED and they change the dates of the debt to make it reflect on my credit report which is interesting. 

My address on all three agencies should be just XXXX. 
All others need to be removed, I have tried and they just don't do it. 

This is being reported from all of the credit reporting agencies. 


TransUnion XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account 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 2025-03-17 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
Subject : Immediate Conflict Regarding Delayed Payment Elimination CARES Act Shielding To Whom It May Concern, It is with great displeasure that I must formally contest the incorrectly reported late payments on my credit file for the account detailed below. These late payments were reported in error and must be promptly deleted in accordance with my rights provided by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XX/XX/XXXX / XXXX XXXX XX/XX/XXXX / XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, a hard credit inquiry was made by Citibank. I was alerted by all three credit bureaus that Citibank had accessed a hard pull on my credit. I did not authorize any credit card inquiry and called Citibank. Unfortunately, Citibank claimed to have no record of the hard credit pull and could not find any fraudulent accounts in my name. 

After a few days, I received a communication from XXXX regarding a new XXXX Credit Card. I did not open a XXXX Credit card. Upon calling Citibank, specific to the XXXX Credit card, I learned that on XX/XX/XXXX, an account was opened in my name at XXXX. A fake phone number and e-mail address were provided and this card was linked to my XXXX account. 

I cancelled the cards before they arrived in the mail, but there is still the huge issue of why Citibank did initially have a record of their own unauthorized access to my credit report, how an account was opened in my name to begin with, and what impact this has on my status as a XXXX member.

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 2025-03-17 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 non-monetary relief
Consumer complaint received 2025-03-17 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: TN

Complaint narrative:
According to my credit report, I noticed my privacy rights were violated. 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 an 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. The accounts that are in violation of my rights are listed below. 


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