vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter serves as a formal demand pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), regarding six ( 6 ) XXXX student loan accounts you continue to report on my credit file in violation of federal law. 

On XX/XX/year>, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), referenced as Complaint # XXXX. On XX/XX/year>, you reported to the CFPB that the above-referenced accounts were deleted. However, these accounts remain active on my credit report. 

A TransUnion supervisor confirmed by phone that no internal record of that deletion exists in your system. This raises serious concerns that your organization : Willfully misrepresented facts to a federal agency ; Failed to complete a lawful reinvestigation ; Reinserted information without providing me the notice required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

You are hereby instructed to : Provide written documentation proving deletion of the XXXX accounts occurred on or before XX/XX/year> ; Provide documentation of all communications with XXXX and any internal investigation notes tied to my disputes ; Immediately delete the six XXXX accounts as per your XX/XX/year> claim ; Provide a reinvestigation log covering all disputes submitted under my name for these accounts ; Cease and desist further reporting of any XXXX tradelines unless legally validated. 

Failure to comply within 15 days of receipt will result in binding arbitration and litigation seeking statutory damages for each FCRA violation under 15 U.S.C. 1681n and 1681o.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This is a formal dispute and legal demand for immediate and permanent deletion of a fraudulent and unauthorized account from my credit file, reported under the name XXXX XXXX with an alleged balance of {$7900.00}. This account is false, unverifiable, and in violation of federal law. 

I have never signed a lease, contract, or agreement with XXXX XXXX or any related property. I have never resided at the address associated with this alleged debt. XXXX is not a party to any contract with me and has no legal right to report or collect on this matter. This account was created and reported without my consent, and I demand it be removed under the following protections : Legal Grounds for Immediate Deletion : FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits the reporting of any information known to be false or that should be known to be false.

FCRA 611 ( a ) : Requires all inaccurate or unverifiable information to be deleted from the consumers file within 30 days of a dispute. XXXX has failed to verify this debt with any valid signed contract. 

FCRA 604 : Permits access to a credit report only with express written consent or in connection with a transaction initiated by the consumer. No such consent exists.

FDCPA 807 and 808 : Misrepresenting the legal status of a debt and attempting to collect debt not authorized by contract are clear violations.

GLBA ( Gramm-Leach-Bliley Act ) : My personal data is being used and reported without my permission. The reporting of this account, obtained through a third-party sale of my information, is an unlawful breach of federal privacy protections.

Texas Business & Commerce Code 20.06 : False or unverifiable credit reporting in Texas is a direct violation of state law.

Action Required by Law : I demand that you immediately : 1. Permanently delete the XXXX XXXX account from my credit file. 
2. Cease all reinsertion of this account now and in the future.

3. Provide me with written confirmation that the account has been removed and will never be reported again.

This account is causing material and financial harm to my housing and personal life. As a credit bureau, you are fully liable for damages under the FCRA if you continue to report inaccurate and unverified data after being notified in writing.

If this fraudulent account is not removed permanently, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General Pursue civil legal action for full damages under the FCRA, FDCPA, and GLBA This is my final legal demand for action. I have no contract with XXXX, and you are reporting unauthorized, unverifiable, and illegal information. Remove this account immediately or be held legally liable. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
These federal student loans were opened in my name during my entry into college in XXXX, but the entire application and account setup process was handled by my biological mother. I did not sign any agreements, was not given login access, and had no control over the account. 

I am no longer in contact with her and only recently became aware of these loans after noticing serious delinquencies ( 90120 days late ) reported on my credit report. These late payments have caused extreme damage to my credit, yet I had no opportunity to manage or even be notified of repayment responsibilities. 

I filed an official Identity Theft Report through the FTC detailing the misuse, and I am now disputing these accounts as identity misuse. I am requesting the removal of all derogatory information related to these loans and a full investigation into how this account was allowed to be created and reported under my name without full authorization or access. 

I also provided documentation supporting my identity and current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I believe that Wells Fargo Bank XXXX XXXX is a bank that I can not find their phone number or a person who understands where this bank is and what this bank is to get information on the change of name from XXXX XXXX XXXX  to the name of Wells Fargo XXXX XXXX XXXX # XXXX. I need the name of a XXXX  XXXX at Wells Fargo XXXX XXXX XXXX  who can discuss the XXXX XXXX  aspect of this bank.

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 2025-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit accounts were opened in my name without my knowledge XXXXXXXX XXXX opened XX/XX/XXXX, XXXXXXXX XXXX opened XX/XX/XXXX, XXXX XXXXXXXX XXXX opened XX/XX/XXXX and 2 Capital One cards opened XX/XX/XXXX & XX/XX/XXXX according to my XXXX XXXX app. I called them and had them close due to fraud and they are now investigating. I want to know who opened these cards in my name without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted multiple disputes to Experian regarding XXXX XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXX, XXXX which is inaccurately being reported on my credit report. Despite requesting verification, Experian continues to report the account as " verified and accurate. '' When I spoke with a representative, I was informed the accounts were verified through the e-Oscar system, which is an automated platform and does not fulfill the requirements of a real reinvestigation under the Fair Credit Reporting Act 15 U.S.C 1681i.

Furthermore, I formally requested the Method of Verification ( MOV ) multiple times, in writing, as permitted under FCRA 1681i ( a ) ( 6 ) ( B ) ( III ). Experian never responded with the name and contact information of the furnisher or proof of their investigation within the required 15 days.

Their failure to provide the MOV and reliance on an automated system, without actual review of the facts or documentation, is a willful violation of my rights under FCRA. This has caused harm to my credit profile and financial opportunities.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
I downloaded my data on XX/XX/XXXX and my loan amount was {$33000.00}. I made two additional payments on XX/XX/XXXX for {$50.00} and XX/XX/XXXX for {$50.00}. My account should be decreasing as Im in forbearance at 0 % interest the loan amount should be {$32000.00}. However they increase my loan amount to {$33000.00}, I cant see when they increased it or why and they are not providing me any information. I have called and was on the phone for over 6 hours for them to tell me a department would look into it and no real answers. I also submitted a complaint with them via the portal on XX/XX/XXXX and spoke to a manager who said if there was a discrepancy they would update it by XX/XX/XXXX, as of today there is no update, no communication or answers. Their portal does not reflect when and why the increase and they are also not providing any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: OH

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I purchased a new XXXX phone. The new phone was billed to my XXXX credit card managed by TD BANK. The terms of my contract were 24 MONTHS W/ EQUAL PAYMENTS of {$28.00}. I IMMEDIATELY set the payment to pay on time every month for the requested payment of {$28.00} automatically through my bank XXXX. Everything was fine for a few months and then I started receiving late notices of a few pennies, I called their customer service and was told it is a glitch in their system and my account was current. This happened many times and each time I called for clarification. Each and every time I was told my account is CURRENT! In XXXX I started receiving collection calls. I asked for verification of what was owed as my payment is paid automatically with XXXX. They told me they did not have that info, only that I owe it. After approximately 16 HOURS of phone conversations, asking for supervisors and being told they work in a back office and we can not contact them ( convenient ), I have resorted to filing a complaint about TD BANK 's horrific financial accounting practices, their horrific customer service, their complete lack of customer empathy for reporting a FALSE " 30 Days Late '' to the credit reporting companies and their flippant attitude in trying correct TD Banks Errors. Their unresponsiveness almost cost me a real estate transaction as I was applying for a loan and their false reporting dropped dropped my score XXXX points, only because I had an XXXX score before, was I able to close the loan. TD BANK is a HORRIFIC business!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-12 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: NM

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments, paid-closed accounts, and collections which I noticed severe inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief