vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-03-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Peterson Young P.C., d/b/a  Miller Cohen Peterson Young P.C.
State: CO

Complaint narrative:
I got served by Miller Cohen Peterson Young P. C. and called immediately to resolve the issue. I talked with XXXX XXXX asked for full statements and to be set up on a payment plan for {$300.00} a month to be taken on the XXXX of every month. They sent me the statements but never set up a payment plan. Now XXXX XXXX XXXX XXXX is involved and it is making matters worse because the law firm never set up the payment plan in the first place.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
RE : Trafficking Block Request Dear Sir or Madam, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, which is currently listed on my credit report is a result of that trafficking. 

XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy - XXXX As a victim of XXXX XXXXXXXX, I have faced numerous challenges, including the accumulation of adverse credit information that resulted from my victimization. I am providing the following documentation to support my request for the removal of such adverse information. 

1. A full copy of my consumer report.

2. A copy of a statement from a victim services organization confirming my status as a victim of XXXXXXXX XXXX 

I kindly ask that you remove all adverse items of information related to any delinquent acts or conduct that occurred as a result of my status as a victim of XXXX XXXX 

These items have had a significant impact on my financial stability and overall well-being, and Their removal is crucial for my ongoing recovery and ability to rebuild my life.

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 2025-03-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 1. ) XXXX XXXX XXXXXXXX XXXX Account Number:XXXX 2. ) XXXX XXXX XXXX Account Number : XXXX 3. ) XXXX, XXXX XXXX XXXX Account Number : XXXX 4. ) XXXX XXXX XXXX Account Number : XXXX 5. ) 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 2025-03-05 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: MO

Complaint narrative:
Product or service : credit reporting Issue : improper use of credit report Type of issue : unrecognized inquiries Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( XXXX XXXX XXXX  ) permission to furnish this incorrect information onto my credit report. 
This is a violation of the Credit Reporting Act of Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
The inquiry was not authorized ( XXXX XXXX XXXX ). Date of inquiry : XXXX XXXX 2025 Please remove it 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 explanation
Consumer complaint received 2025-03-05 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 hope youre doing well. Im reaching out because I recently reviewed my credit report and found some incorrect information that needs to be addressed immediately. This information is simply not accurate, and its having a negative impact on my credit score. I did not expect to see this, and its important to me that my credit report accurately reflects my true financial situation.

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 2025-03-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC announced opening bonus {$400.00} for business checking. 
Terms : {$2000.00} remain 90days and use 20 debits card with in 90days. 
I met this rule before XX/XX/year>. 
And 90days past around XX/XX/year> But PNC bank didn't give {$400.00} to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope youre doing well. Im reaching out because I recently reviewed my credit report and found some incorrect information that needs to be addressed immediately. This information is simply not accurate, and its having a negative impact on my credit score. I did not expect to see this, and its important to me that my credit report accurately reflects my true financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FC HoldCo LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX has hidden fees, that are so Outrageous and over priced since XXXX I have had a XXXX XXXX XXXX leased for XXXX. Set at a fixed rate of XXXX a month. They refused to send recipients to where my payments was applied to.. the refused to send information that if I am set to pay {$380.00} a minute where is the hidden fees they are taking from my payments first then only applying {$100.00} dollars to my pay off amount. The XXXX XXXX  didnt not show how these hidden fees and agenda of the g.a.p.. if it was any amount at the end of the year they would gross that and take what ever money I had paid to my loan balance as a general order for me as a customer for them to stay current with there trust laws of there llc and company which has nothing to do with me as a customer who is on a set payment plan. I even refinanced my car to XXXX a month and non of those payments was applied. They have repossessed my vehicle after I have paid of XXXX for a XXXX XXXX XXXX, through this company which is way more than the lease agreement, I was not offered a pink slip or a title, nothing but getting my car repossessed as they have control of my credit report and my social security number. On top of me being on time and making the correct payments their customer service representative was asking for more money telling me it was not enough drawing me in debt, breach of peace, and possibly filling bankruptcy to get my vehicle back from this company as they threaten to sell my vehicle in a bully tactic and not pay me all my money back from them using deceptive financial practices.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-03-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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 submitting this complaint regarding a potential FERPA violation involving the unauthorized disclosure and/or improper use of XXXX XXXX XXXX XXXX 
In XXXX XXXX XXXX  I became aware that XXXX XXXX XXXX  records may have been accessed or shared without my consent. This issue has been publicly reported in the media, with concerns that third partiesincluding unauthorized individuals or entitiesaccess student loan data. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate whether my XXXX XXXX XXXX XXXX XXXXXXXX  ) or the U.S. Department of Education ( DOE ) improperly disclosed or allowed access to XXXX XXXX XXXX, payment history, or other financial data in violation of the Family Educational Rights and Privacy Act ( FERPA ). 


XXXX XXXX XXXX  records may have been accessed or shared improperly. 
I am concerned that third parties have been given access to my information without my knowledge or consent. 


I have noticed unknown credit inquiries and errors in XXXX XXXX XXXX  ). 
I am requesting a review of whether my loan servicer XXXX XXXX XXXX or DOE improperly disclosed my student loan information, which may have resulted in negative financial consequences. 

Attempts to Obtain More Information I contacted the Department of Education on XX/XX/XXXX to request records regarding this matter, but I have not received a satisfactory response. 
I requested any reports, documents, or records showing when and how my loan information was accessed, but the company has not provided clear answers. 
If this data was accessed improperly, I want it removed from my credit report and for the CFPB to investigate this FERPA violation. 

Resolution Requested : I request that CFPB investigate whether my student loan information was improperly accessed or shared without my consent. 
I request that any unauthorized credit inquiries or reporting errors be corrected and removed from my credit report. 

I request that my loan servicer XXXX XXXX ) and the Department of Education provide a full explanation of how my student loan records have been handled, including whether they were disclosed to third parties.

If a FERPA violation occurred, I request that CFPB take appropriate action to ensure student borrowers data privacy is protected.

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