vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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:
I am disputing several accounts on my credit report that I believe to be inaccurate or unverifiable. Please provide the source of this information and the methods used to validate its accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
My vehicle was a total loss from Hurricane Milton in Florida. I contacted Vystar several times to advise the vehicle was a total loss and the insurance was in the process of paying the loan. I also advised I had the GAP insurance to pay balance. Vystar credit union continue to charge fees. Even after receiving {$13000.00} from auto insurance and {$6800.00} from GAP insurance. Vystar received a total of {$20000.00} from insurance. Which I feel I should now have a XXXX balance however credit union loan still shows a balance owed of {$2400.00} this balance includes late fees charged continuously after notice of loss. This has also hurt my credit score as Vystar continued to report to the credit 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 2025-03-08 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: PA

Complaint narrative:
I am disputing multiple inaccuracies on my credit report with Experian. Several accounts are incorrectly reported as derogatory, delinquent, or charged off without proper verification or compliance with federal and Metro 2 standards. Despite my dispute, Experian has failed to provide supporting documentation to validate these accounts. 

Key Issues : Experian is reporting inaccurate and unverifiable information. 
The listed accounts lack proper documentation proving their validity. 
Experian has not provided proof of permissible purpose for certain inquiries. 
Errors in balance owed, account status, and last activity dates are negatively impacting my creditworthiness.

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 2025-03-08 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: VA

Complaint narrative:
I hope you're doing well. Im reaching out because I noticed an account on my credit report that I absolutely do not recognize. This account is unfamiliar to me, and I have no idea where it came from or how it ended up on 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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent DOCUMENTATION to TRANSUNION CREDIT REPORTING AGENCY. I have made numerous phone calls and talked to numerous TRANSUNION CUSTOMER SERVICE AGENTS. Every time talking to the TRANSUNION CUSTOMER SERVICE AGENTS- I would be told that they would create an escalated ticket to issues resolved. When I would log on into my TRANSUNION online account and request to see my credit report. The TRANSUNION website would give me errors and say that I can not access my credit report at this time. When I would log on to my TRANSUNION online account to dispute the inaccurate information on my credit report. The TRANSUNION website would not let me dispute the inaccuracies on my credit report. I would get errors when I tried to click on get my credit report or click on the button to dispute. When I would log on to my TRANSUNION online account to FREEZE my credit report. The TRANSUNION website would not also let me freeze my credit report. I was also getting error messages. The TRANSUNION CUSTOMER SERVICE AGENTS would tell me that they are creating an case and that they will escalate my problems. The TRANSUNION CUSTOMER SERVICE AGENTS would also tell me that a TRANSUNION CUSTOMER SERVICE AGENT would call me back within 72 hrs. No TRANSUNION CUSTOMER SERVICE AGENT ever called me back to resolve these major violations of the FAIR REPORTING CREDIT ACT. I have been trying to resolve these problems with TRANSUNION since the beginning of XXXX XXXX. The TRANSUNION CUSTOMER SERVICE AGENTS would just tell the consumer lies on the phone phone.

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 2025-03-08 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Balance {$590.00} Date Opened XX/XX/XXXXXXXX XXXX  Balance {$13000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX ( Bank ) 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 non-monetary relief
Consumer complaint received 2025-03-08 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:
I recently reviewed a copy of my credit report and noticed i have a fradulent account present. Please remove this account from my report as it is impacting my credit.

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 2025-03-08 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: CA

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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 2025-03-08 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: FL

Complaint narrative:
Im writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.

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 2025-03-08 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: FL

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into 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 explanation
Consumer complaint received 2025-03-08 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 hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into 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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I paid everything off and close the account. 
After 2 year they said I owe more money

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 2025-03-08 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: PA

Complaint narrative:
equifax, has reported inaccurate information on my credit report. I disputed this error and provided supporting documentation, but Equifax failed to properly investigate and correct the issue. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and constitutes negligence under 15 U.S. Code 1681o.

Despite my attempts to resolve this matter, the inaccurate information remains on my report, negatively impacting my credit standing. I am requesting that equifax immediately delete the inaccurate information and provide written confirmation of the correction. 
the following accounts Please ensure Equifax complies with federal law and takes appropriate action to resolve this issue.

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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to dispute several inaccuracies on my credit report as prepared by XXXX. I am requesting that you immediately correct and/or delete the following items from my credit report, as they do not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq., I am entitled to an accurate and complete report, and I am asserting my legal right to have these items corrected.

Please be advised that I am exercising my right to dispute inaccurate information under the Fair Credit Reporting Act, which requires you to investigate these matters thoroughly. I am also aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed lawsuits against XXXX and XXXX for conducting sham investigations, and I expect a thorough and complete investigation of each disputed item as per the law. Failure to resolve these disputes accurately may result in further legal action.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Demand : If any charge-offs appear on my credit report that are incorrect or unverifiable, I demand they be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
XXXXXXXX XXXX sent my medical bills to Alliance debt collections without my notice. Alliance started to call me everyday and was told I could only pay in two large amounts. Then alliance put my medical debt on my credit report. Now everyone who does my background check for my credit can see my medical debt. I thought this was not legal for medical bills. Thank you. The amount is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into 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 explanation
Consumer complaint received 2025-03-08 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: VA

Complaint narrative:
I hope you're doing well. Im reaching out because I noticed an account on my credit report that I absolutely do not recognize. This account is unfamiliar to me, and I have no idea where it came from or how it ended up on 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 2025-03-08 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: FL

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 2025-03-08 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: FL

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 non-monetary relief
Consumer complaint received 2025-03-08 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: NV

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: CA

Complaint narrative:
There were several charges on my account for XXXX each i called and let them know that I did not authorize these transactions. Credit karma turned around in 2 days and denied my claim saying I authorize these transaction. Didn't give me any proof whatsoever. I feel like they just brushed me off to the side didnt care about me losing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
I hope you're doing well. I'm reaching out because I recently checked my credit report and noticed some information that isnt quite right. Specifically, theres an entry that doesnt accurately reflect my financial history, and I need your help in getting it sorted out.

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
In XXXX of 2024 I received a notice from a company called Cedars stating I owed {$240.00} to XXXX. I wrote back asking for proof and supplied proof that the product I allegedly bought from them ( 2 sets of dishes ) I actually bought from XXXX. They wrote back and sent me an invoice allegedly from XXXX that shows {$0.00} due. Nothing makes sense- since then I have written multiple times, no response. FOR 35+ YEARS, my entire adult life, I have never been late on a payment or not paid for something. I very simply asked for one shred of proof - e-mail, proof of order, proof of delivery, anything - and have gotten nothing. I have every email of everything I have purchased for as far back as e-mail will allow it to go- I have no proof of this alleged purchase nor has this company provided me with any. XXXX ( the first credit union they notified ) immediately said this was not valid. My credit score that, due to this, dropped XXXX points, was immediately put back into the XXXX. However, XXXX still has it listed as " valid '' even after appeal but, like Cedars, will not tell me why or provide me with any proof. If anyone can prove to me that I ordered this I would gladly pay for it. As stated, for 35 years I have never been late or missed a payment. Would anyone jeopardize this for {$240.00}???

Company response to consumer: Closed with explanation