vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: GA

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 2025-05-30 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:
You guys just keep mis managing my account so im assuming you are mis marking my disputes. I am exercising my rights under the Fair Credit Reporting Act. Any attempt to label my dispute as frivolous or ignore my evidence violates FCRA 1681i ( a ) ( 3 ). You are required to perform a reasonable reinvestigation, not rely on automated responses or vague verifications ( XXXX v. TransUnion, XXXX XXXX XXXX ). 
Under 1681n & 1681o, I reserve the right to seek damages for any willful or negligent noncompliance. I do not waive my rights by alleged consent, including electronic signatures. Misuse of my data without specific written instruction violates 1681b and 604 ( a ) ( 2 ). 
I expect full compliance, deletion where due, and no contact beyond FCRA-permitted channels. This is not a requestits a demand supported by federal law.

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 2025-05-30 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: UPGRADE, INC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial  and XXXX  XXXX  that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
have tried for XXXX hours to access my credit account to manage a freeze so that i can purchase other services. i can not access my account in the ways provided by Experian

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 2025-05-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX : {$0.00} Open Date XXXX XXXX, XXXX, XXXX XXXX XXXX Balance : {$5000.00} Open Date XXXX XXXX, XXXX, XXXX XXXX XXXX Balance : {$1100.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX, Balance : {$410.00} Open Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to reach Experian to remove a fraud alert and get my credit report. I was unable to get through the registration process on phone or online. System only gives XXXX ways to verify identity. XXXX is to send email to an email that is not mine! The other is to use a phone number but system refuses to accept my landline or cell phone as me. Absolutely no way to get through to a human. I have already been denied credit basedon a report fromExperian.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
When I looked at the mobile app. On One Main Financial Bright way I noticed a XXXX payments were withdrawn on my Auto pay XXXX payment per month @ {$25.00} {$50.00} .. XXXX on the same day .. taken from my XXXX XXXX ACH transfer . I called XXXX and disputed the XXXX {$25.00} Auto payment withdrawal on XXXX XXXX and to stop Auto payment withdrawal agreement the bank representative agreed will stop all future as if XXXX  and said will refund back to my account XXXX. Also there was a payment of XXXX I did not make that authorization. Transaction Bank representative walked me through it on mobile app to remove it. I then made an XXXX time payment for {$100.00} since Auto pay was cancelled. This I did authorize. I thanked the representative.. The next day I looked at the balance and noticed another payment of XXXX was taken out of my account that I didn't authorize XXXX XXXX XXXX it traced back to One Main Financial Bright way. I called to dispute XXXX REFUSED TO IDENTIFY THE TRANSACTION .. MY CHECKING ACCOUNT WAS NOW XXXX. The XXXX payment was not returned to my account and XXXX unauthorized was disputed I didn't make the transaction. That means there was XXXX payments on my credit card bill and XXXX of them were authorized and other XXXX fraudulent transactions by the Merchant. My dispute of a XXXX came back to the bank returned unpaid. XXXX right it was. You double charged me. XXXX XXXX XXXX  FOR ONE MAIN FINANCIAL BRIGHT WAY SERVICE MADE AN UNAUTHORIZED ACH WITHDRAWAL FROM MY XXXX BANK. AND I FROZE ANY FURTHER ENTRY TO MY BANK ACCOUNT BLOCKED ACCESS. THE MANAGER I GAVE THEM TO THE END OF THE DAY TO FIX THEIR PROBLEM OR CLOSE MY ACCOUNT AT CUSTOMERS REQUEST DO TO FRAUDULENT BANKING TRANSACTIONS .. DISPUTE OF UNETHICAL BUSINESS PRACTICES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-30 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the mishandling of a loan settlement process by MOHELA, the servicer of my private student loans. 

On XX/XX/year>, I received a pre-settlement letter from MOHELA stating that I could settle my loan for XXXX XXXX of the current balance of {$62000.00} approximately {$42000.00}. The letter indicated that I should call to confirm the settlement and schedule payments. However, MOHELA has refused to provide any follow-up written documentation confirming the agreed-upon lump-sum payment amount, a payment schedule, or clarification on specific due dates. 

When I requested this information both over the phone and via follow-up I was told that the original pre-settlement letter was the only documentation I would receive. This puts me in an extremely vulnerable position. Without clear, written confirmation of the payment terms, amounts, and deadlines, I have no legal protection or proof of the agreed-upon terms should a dispute arise. This contradicts basic standards of transparent and ethical debt settlement practices. 

I am concerned that MOHELAs refusal to put settlement terms in writing violates fair servicing and disclosure obligations. I am willing and prepared to settle this debt, but I need written confirmation of the exact amount and payment terms which any consumer has a right to request before making substantial financial decisions. 

I am requesting that the CFPB investigate this matter and compel MOHELA to provide written, detailed settlement terms, including : The exact total amount to be paid to settle the debt The due date ( s ) and payment schedule if applicable Confirmation that the account will be considered settled in full for less than the full balance Acknowledgment that this will satisfy my obligation and stop future collection activity Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Account XXXX with MOHELA : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
Third party credit debt collector is calling me repeatedly all hours of the day and sometimes XXXX or more calls in 1 day. They leave threatening messages, pretending to be a law office or impersonating someone to serve more paperwork. They also call my family repeatedly. This is for an old credit card debt from XXXX the account is now XXXX years old. On XX/XX/XXXX they left message using abusing and suggestive language. I did answer the phone at one point to ask nicely if they could stop calling, and the woman argued with me and repeatedly lied claiming someone tried serving me paperwork and this has never happened. The woman then hung the phone up on me not allowing me to ask any questions about the account. She was combative and dishonest. This creditor also threatens to call my place of employment. With all of this said I have never received a letter or document by mail providing me any information about who owns the account and the account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX, XXXX  Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX Balance : {$5000.00} Open Date XXXX XXXX, XXXX, XXXX XXXX Balance : {$1100.00} Open Date XX/XX/XXXX, XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXXXXXX XXXX Balance : {$1200.00} Open Date XX/XX/XXXX, XXXXXXXX XXXX Balance : {$730.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$150.00} Open Date XX/XX/XXXXXXXX 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 2025-05-30 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: CA

Complaint narrative:
I'm writing to dispute a fraudulent inquiry that was made on my credit report online and without my knowledge or consent. I did not authorize this in any way, and I had no involvement with whoever pulled my credit. 

This kind of unauthorized access is completely unacceptable. I dont take lightly to my personal information being misused, and I expect this to be handled 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 explanation
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 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 2025-05-30 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2500.00} XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$790.00} XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2500.00} INQUIRIES : XXXX XXXX XXXXXX/XX/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