vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-04-18 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: MS

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 2025-04-17 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: FL

Complaint narrative:
TransUnion is reporting two 30-day late payments on my XXXX XXXX account ( No. XXXX ) for XXXX and XXXX. This information is false, lacks verification, and violates my rights under : FCRA 15 U.S.C. 1681i, 1681s-2 ( b ) : TransUnion failed to conduct a reasonable investigation or require verification from the furnisher.

TILA & FCBA 15 U.S.C. 1637 ( b ), 1666 ( b ) : The creditor did not send legally required billing statements 21 days in advance.

UDAAP 12 U.S.C. 5536 ( a ) : Reporting unverifiable derogatory information is an unfair and abusive practice.

Regulation V 12 CFR 1022.42 : Failure to ensure maximum accuracy violates federal reporting standards. 

Judicial precedents : XXXX, XXXX, XXXXXXXX CFPB 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-17 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: VT

Complaint narrative:
I just looked over my credit report and found some accounts that Ive never seen before and definitely didnt open. I have no idea where they came from or why theyre showing up under my name, but they dont belong to me. Its really frustrating and honestly kind of alarming to see stuff like this on my report that I had nothing to do with.

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, 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 non-monetary relief
Consumer complaint received 2025-04-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-18 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: TN

Complaint narrative:
ubject : Complaint Against XXXX Financial Refusal to Help After Natural Disaster I'm filing this complaint against XXXX XXXX XXXX due to their complete lack of assistance and compassion during a time of extreme hardship. 

After XXXX XXXX, an officially declared federal disaster, my vehicle was totaled by floodwaters. From late XXXX through XX/XX/XXXX, we had no power, no internet, no cell service, and no drivable roads in or out of our area. Like many, I was forced to shift into survival mode. I fell behind on XXXX auto loan payments ( XXXX through XXXX ), not out of negligence, but because life as we knew it had been upended. I also had to secure another vehicle just to keep working and providing for my family. 

My insurance didnt come close to covering the full balance, leaving me with a {$4500.00} deficit on a car I no longer even own. Still, in XX/XX/XXXX, I brought the account current and have kept up with all payments since. 

I called XXXX XXXX times, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, explaining my situation and asking for any kind of hardship relief or deferment. All three times I was told flat-out No, even by a supervisor. Their exact words were that they dont offer hardship programs under any circumstances. Not even for national disasters. 

I later sent a formal goodwill email letter, simply asking for the late payments to be removed from my credit report as a gesture of understanding. Again, they refused. I even filed disputes through the credit bureaus using the national disaster designation, and XXXX rejected those too. 

I had never missed a payment before the hurricane. Now, not only am I paying for a car I dont own, but my credit has taken a massive hit, adding insult to injury after losing nearly everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TN

Complaint narrative:
ubject : Complaint Against XXXX XXXX  Refusal to Help After Natural Disaster I'm filing this complaint against XXXX XXXX XXXX due to their complete lack of assistance and compassion during a time of extreme hardship. 

After Hurricane Helene, an officially declared federal disaster, my vehicle was totaled by floodwaters. From late XXXX through XX/XX/XXXX, we had no power, no internet, no cell service, and no drivable roads in or out of our area. Like many, I was forced to shift into survival mode. I fell behind on three auto loan payments ( XXXX through XXXX ), not out of negligence, but because life as we knew it had been upended. I also had to secure another vehicle just to keep working and providing for my family. 

My insurance didnt come close to covering the full balance, leaving me with a {$4500.00} deficit on a car I no longer even own. Still, in XX/XX/XXXX, I brought the account current and have kept up with all payments since. 

I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX explaining my situation and asking for any kind of hardship relief or deferment. All three times I was told flat-out No, even by a supervisor. Their exact words were that they dont offer hardship programs under any circumstances. Not even for national disasters. 

I later sent a formal goodwill email letter, simply asking for the late payments to be removed from my credit report as a gesture of understanding. Again, they refused. I even filed disputes through the credit bureaus using the national disaster designation, and XXXX rejected those too. 

I had never missed a payment before the hurricane. Now, not only am I paying for a car I dont own, but my credit has taken a massive hit, adding insult to injury after losing nearly everything.

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 2025-04-18 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: TN

Complaint narrative:
ubject : Complaint Against XXXX XXXX Refusal to Help After Natural Disaster I'm filing this complaint against XXXX XXXX XXXX due to their complete lack of assistance and compassion during a time of extreme hardship. 

After Hurricane Helene, an officially declared federal disaster, my vehicle was totaled by floodwaters. From late XXXX through XX/XX/XXXX, we had no power, no internet, no cell service, and no drivable roads in or out of our area. Like many, I was forced to shift into survival mode. I fell behind on three auto loan payments ( XXXX through XXXX ), not out of negligence, but because life as we knew it had been upended. I also had to secure another vehicle just to keep working and providing for my family. 

My insurance didnt come close to covering the full balance, leaving me with a {$4500.00} deficit on a car I no longer even own. Still, in XX/XX/XXXX, I brought the account current and have kept up with all payments since. 

I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX explaining my situation and asking for any kind of hardship relief or deferment. All three times I was told flat-out No, even by a supervisor. Their exact words were that they dont offer hardship programs under any circumstances. Not even for national disasters. 

I later sent a formal goodwill email letter, simply asking for the late payments to be removed from my credit report as a gesture of understanding. Again, they refused. I even filed disputes through the credit bureaus using the national disaster designation, and XXXX rejected those too. 

I had never missed a payment before the hurricane. Now, not only am I paying for a car I dont own, but my credit has taken a massive hit, adding insult to injury after losing nearly everything.

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
b"The email is not directly from PayPal but rather from a XXXX  account that references PayPal in its content. I tried to attached the email with this complaint for further clarification but I could not get it to work. I am sorry. \n\nI copied and pasted what I could:\nFromXXXXXXXX,\nWe've processed a payment of XXXX XXXX for your recent purchase. This\ntransaction will appear on your statement within XXXX  hours.\nOrder Summary:\nXXXX XXXX XXXX\nProduct: XXXX XXXX XXXX\nAmount Charged: XXXX XXXX\nNeed Help?\nIf you have questions about this charge or didn't authorize this purchase, please\ncontact our support team:\nXXXX XXXX\nFlexible Payment Options:\nWe offer convenient payment solutions, including installment plans, for future\npurchases.\nThank you for your business!\nBest regards,\nThe PayPal, Inc. Team\n\nFurthermore, the email is sent to an email address that was compromised several years ago. It is an email address that I had a long time ago and believed that XXXX  had deactivated the account and effectively shut down the email address. I will contact XXXX  again and inform them of this as well.\n\nAlso, I do not have a PayPal account."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I've filed bankruptcy and the information for all accounts were updated and wiped away. Certain creditors after a year reported the account information causing my credit score to drop substantially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
XXXX XXXX has violated my rights in regards to Metro 2 complaince. According to 15USC1592C XXXX has violated my rights by unlawful communications. Please remove this collection off of my credit reports and all major bureaus. If you are otherwise looking to prove this debt as mine, I am further requesting debt validation and EVERY assignment contract in relation to this debt. Further, Please provide licensing that proves that you are licensed to collect debt in the State of Nevada. Further I am requesting ( 1 ) Name and Address of Original Creditor ; ( 2 ) Copy of Payment History ; ( 3 ) Copy of the original signed contract ; ( 4 ) Proof of collection Authorization. If you are unable to provide such documentation with 15 days, please immediately remove these accounts. 

ftc report provided listing this account as unauthorized account. please remove previously reported this account.

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 2025-04-17 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : Bankruptcy 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 explanation