vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: OH

Complaint narrative:
Experian continue to report inaccurate information. I have deputed this multiple times and each time its comes back VERIFIED. 

15 USC 16811 ( a ) ( 6 ) B ) iii I have requested that each credit bureau provide ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency. Each credit has not provided that information to by written correspondence as requested. 

XXXX XXXX XXXX  has sold this account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  continues to report a balance, the credit report does not reflect that it has been sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA Section 1681s-2 : This section of the FCRA requires that data furnishers ( like the original creditor or debt collector ) report accurate and complete information to credit reporting agencies.

" Under Section 1681e ( b ) of the FCRA, I dispute the inaccurate reporting of this account, as the original creditor should no longer be reporting this account after it was sold.

The credit bureaus have compliance procedures and are required to assure maximum accuracy on your credit report 15 U.S. Code 1681 ( e ) Experian fails to conduct a proper investigation into disputed information on credit report Sham Investigations How can XXXX XXXX XXXX be verified as accurate but sold to a collection agency. Experian continues report it but it does bot reflect being sold, and reports a balance this is FCRA violation. 

Please permanently remove from credit report 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 2025-03-18 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: OH

Complaint narrative:
Experian continue to report inaccurate information. I have deputed this multiple times and each time its comes back VERIFIED. 

15 USC 16811 ( a ) ( 6 ) B ) iii I have requested that each credit bureau provide ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency. Each credit has not provided that information to by written correspondence as requested. 

XXXX XXXX XXXX  has sold this account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  continues to report a balance, the credit report does not reflect that it has been sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA Section 1681s-2 : This section of the FCRA requires that data furnishers ( like the original creditor or debt collector ) report accurate and complete information to credit reporting agencies.

" Under Section 1681e ( b ) of the FCRA, I dispute the inaccurate reporting of this account, as the original creditor should no longer be reporting this account after it was sold.

The credit bureaus have compliance procedures and are required to assure maximum accuracy on your credit report 15 U.S. Code 1681 ( e ) Experian fails to conduct a proper investigation into disputed information on credit report Sham Investigations How can XXXX XXXX XXXX be verified as accurate but sold to a collection agency. Experian continues report it but it does bot reflect being sold, and reports a balance this is FCRA violation. 

Please permanently remove from credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/year> I mailed a letter to Experian Rent Bureau requesting a copy of my consumer file and they did not respond at all and it has been 30 days. 

I am fiing this complaint with the CFPB so that I can get help with this issue. It is my right to request a copy of the information that any consumer reporting agency has that relates to me. 

Attached to this complaint I've included a copy of my ID and Social to verify my identity and my current address. I also inculded a copy of the original letter that was sent to Experian Rent Bureau.

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 2025-03-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/25, my CD renewed automatically following a grace period. I was unable to get to a branch to renew during the grace period because of a death in the family. I tried the following day, and was told I could not. The bank created a new CD but for a substantially lower interest rate costing me roughly {$350.00} per month in interest. For the record, Wells Fargo allows you to create a CD online but not renew a CD online. I called multiple times, made an appointment at the bank, but the bank has refused to revise the CD to a fair rate. They've also taken weeks to respond.

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 2025-03-18 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: FL

Complaint narrative:
I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NY

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : 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 2025-03-18 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-18 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bilateral Credit Corp, LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXXilateral Credit Corporation a Collection Agency for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., as well as other applicable consumer protection laws. I request your immediate investigation into these violations and seek the removal of the related collection account from my credit report and the deletion of my account from their records.

Bilateral Credit Corporation was instructed to communicate with me solely via mail regarding any debt-related matters. However, despite this clear directive, the owner of the company personally called me on Monday, XX/XX/year>. This unauthorized communication constitutes a direct violation of my rights under the FDCPA. 

Specifically, the following provisions of the FDCPA have been violated : 15 U.S.C. 1692c ( c ) - Ceasing Communication Upon Request I previously requested that all communication be conducted via mail, yet Bilateral Collection Agency disregarded this request by contacting me via phone.

15 U.S.C. 1692d - Harassment or Abuse The unauthorized call may also be considered a form of harassment or an unfair collection practice in violation of the law.

15 U.S.C. 1692f - Unfair Practices Engaging in any unfair or unconscionable means to collect a debt, including ignoring a consumer 's stated communication preferences, is prohibited.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), Bilateral Credit Corporation must report only accurate and verifiable information to credit reporting agencies. Due to their failure to comply with federal law and their unauthorized actions, I request that this collection account be permanently removed from my credit report. 

I have attached evidence supporting my claims, including documentation of my prior communications and proof of the unauthorized call. Given the direct violations of federal law, I demand the immediate deletion of this account from my credit file and a formal investigation into Bilateral Collection Agencys practices.

I trust the CFPB will take swift action to address this matter and ensure that my consumer rights are upheld. Please keep me informed of any updates regarding my complaint. Should you require any additional information, I am available to provide further details as needed. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX Attachments : Documentation of prior communication Proof of unauthorized call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

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. 

Account Name : XXXX Account Number : XXXX Account Name : 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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

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 2025-03-18 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: NY

Complaint narrative:
I received a copy of my credit report and found the following personal information to be in error :

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 2025-03-18 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: TX

Complaint narrative:
There is inaccurate information on my credit report that I believe stems from a recent data breach incident. As a victim of the breach, I am deeply concerned about the integrity of the data reflected in my credit file. 

The specific account ( s ) in question : XXXX XXXX XXXX original creditor XXXX XXXX {$470.00}, dated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, {$1800.00}, dated XX/XX/XXXXXXXX XXXX XXXX {$980.00}, XX/XX/XXXX XXXX XXXX {$1800.00}, dated XX/XX/XXXX XXXX XXXX, {$690.00} dated XX/XX/XXXX XXXX  XXXX {$1100.00} dated XX/XX/XXXX Hard Inquiries for credit in question : XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/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 XXXXXXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
There is inaccurate information on my credit report that I believe stems from a recent data breach incident. As a victim of the breach, I am deeply concerned about the integrity of the data reflected in my credit file. 

The specific account ( s ) in question : XXXX XXXX XXXX original creditor XXXX XXXX {$470.00}, dated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, {$1800.00}, dated XX/XX/XXXXXXXX XXXX XXXX {$980.00}, XX/XX/XXXX XXXX XXXX {$1800.00}, dated XX/XX/XXXX XXXX XXXX, {$690.00} dated XX/XX/XXXX XXXX  XXXX {$1100.00} dated XX/XX/XXXX Hard Inquiries for credit in question : XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/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 XXXXXXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/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 2025-03-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with True Accord opened on XX/XX/XXXX. 

I have attached a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-03-18 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: NJ

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 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 2025-03-18 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a XXXX XXXX XXXX  that works night shift in different states. I thought that my card was paid automatically but it was debited at the wrong time to my knowledge. XXXX XXXX closed my account for this mistake after I asked them to keep it open and that I would pay the balance owed immediately. XXXX XXXX showed no mercy and closed my account. XXXX XXXX also reported that I was late paying them. The account was closed and I paid the account in full. 

I am humbly requesting that XXXX XXXX removes the incorrect late fee from my credit 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