vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 explanation
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
I am once again asking for the CFPBs help because I am beyond frustrated with TransUnions complete failure to do their job. I have disputed the same unauthorized account over and over againso many times Ive lost trackand yet it still remains on my credit report like a stain I cant scrub out. The account is XXXX XXXX XXXX, and heres what really doesnt make sense : its only being reported by TransUnion XXXX Not XXXX, not XXXX TransUnion. That alone should raise a huge red flag about its legitimacy, but somehow they continue to blindly verify it without providing any evidence or conducting a real investigation. Every time I submit a dispute, I get the same useless form letter back that says the account is verified, but not once has TransUnion shown how or by whom. Ive never opened an account with XXXX, Ive never authorized it, and Ive never even had any contact with them. TransUnion refuses to acknowledge this. I also never requested a fraud block, but they denied it anyway, which tells me they didnt even bother reviewing my dispute seriously. Im not just upsetIm exhausted. Ive followed every rule, filed every form, submitted all the necessary documentation, and yet I keep getting brushed off like my rights dont matter. TransUnion is clearly violating the Fair Credit Reporting Act. They are not ensuring maximum possible accuracy under 15 U.S.C. 1681e ( b ), and they have no permissible purpose to be reporting this account under 1681b. I have never given them written authorization to include this bogus account on my report, and yet they keep it therelike they just dont care about the law or the damage theyre doing to my life. This account is hurting my credit, my peace of mind, and my ability to move forward. Its stressful, its infuriating, and its just wrong. At this point, I feel like TransUnion is actively choosing not to fix this. Ive done everything Im supposed to do, and still they refuse to take responsibility or even explain themselves. I need the CFPB to step in and hold them accountable. Enough is enough. This account needs to be removed immediately, and TransUnion needs to be forced to take my dispute seriously for once. Im not going away until this is resolved.

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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had two TD bank accounts that were charged off. I went into a TD bank branch yesterday, Wednesday XX/XX/year>. I paid the balance I owed and opened up a new account. I deposited {$4100.00} in cash. Today my debit card didnt work so I called customer service and they told me my account was restricted and I needed to go to the branch. So I went into there today and they said TD no longer wants me to bank with them because of my charged off accounts. Thats fine and dandy but I got no warning of them closing my account and Im not sure why they let me open a new one and deposit money into it then anyway. If I knew this was even a possibility I never would have opened a new account or made a deposit in the first place. The problem is I dont have access to my funds and they said they will mail me a check. I cant wait for a check to come because thats all of my money. My rent is due in two days and I have a baby to take care of. She needs formula and diapers and stuff so what am I supposed to do???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 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 2025-04-03 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, 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 2025-04-03 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 previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-04-03 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-03 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: AL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-04-03 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.

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 2025-04-03 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:
I am filing a dispute regarding inaccurate late payment remarks on my Experian credit report. These errors are unjustifiably damaging my financial profile, and I demand an immediate review. 

The following accounts require immediate attention : XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX  - 20 Under 15 U.S.C . 1666b, payments must be credited promptly upon receipt. However, Experian is reporting late payments on accounts that reflect a {$0.00} balance and no past due amount, which directly contradicts this federal requirement. Furthermore, other credit bureaus have reviewed these same accounts and, due to a lack of verifiable proof, have corrected or deleted them from my report. 

Under the FCRA, Experian is legally obligated to ensure the accuracy and validity of the data it reports. If these late payments can not be substantiated with original, verifiable documentation, they must be immediately removed from my credit report. I expect full compliance with federal law and a swift resolution to 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 2025-04-03 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: TX

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
Experian deleted a dispute resolution that was handled improperly. According to the FCRA, they were required to block my credit report due to a prior dispute and data breach. Instead, Experian deleted the dispute resolution, which was a violation of the law. 

Experian then unlawfully reintegrated the XXXX XXXX account ( ending in XXXX ) onto my credit report after it was previously deleted. According to the FCRA, once a dispute has been resolved and an account is deleted, it should not be reinserted without following specific legal procedures. 
Furthermore, Experian initiated a dispute to reinsert the XXXX XXXX account onto my credit report, which I did not authorize or initiate. This action is illegal and violates my rights under the FCRA, which clearly mandates that consumers must initiate disputes themselves.

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 2025-04-03 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: IL

Complaint narrative:
I am writing to formally dispute the inaccuracies in my credit report and request a thorough investigation into the matter. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure the accuracy of the information contained in their credit reports. Upon reviewing my credit report, I have identified the following accounts that are not 100 % correct. These inaccuracies have caused me significant distress and potential financial harm. I demand that these accounts be investigated promptly and corrected as necessary. Please provide me with a written statement of the results of your investigation and a copy of my updated credit report. I have enclosed copies of relevant documents supporting my position, including [ list any documents such as account statements, letters from creditors, etc. ]. Please review these documents as part of your investigation. If the investigation finds that the information is indeed inaccurate, I request that these errors be rectified immediately and that all necessary parties be informed of the corrections. As stipulated by the FCRA, I am entitled to recover actual damages, statutory damages, and attorney 's fees if I suffer damages as a result of a violation. Therefore, I expect this matter to be handled with the utmost urgency and accuracy to avoid further complications. Thank you for your prompt attention to this matter. I look forward to your swift response and resolution.

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 2025-04-03 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: LA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-04-03 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: RI

Complaint narrative:
Please take immediate action to block and remove unauthorized accounts from my credit report. I did not initiate these accounts and have no knowledge of their source. Under USC 1681g, I formally request their removal within 15 days. Enclosed are documents for your reference. Additionally, different versions of account information are appearing across multiple credit bureaus.

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 2025-04-03 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:
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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The are multiple inaccuracies in all 3 of my report from collections to credit card and personal loans, status is different verbiage on each. Also dates of balance updated are all different I reached out to XXXX  XXXX and i got hung up on. I reached out to XXXX XXXX, and they are not doing nothing to fix the solution, Experian and Equifax ask me to reach out to them and the companies are not doing anything about it. Transunion I can not submit more than XXXXne dispute at a time and their website half the time will not load. I need these items remove and deleted as they are not correct across all three reporting bureaus, this is affecting my chance to get a new loan. As the information is different.

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 2025-04-03 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Fifth Third Bank charged my account XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX ( forced placed insurance ). I spoke with a representative XX/XX/XXXX and provided the rep with the email address of the Insurance company handling my neighborhood s XXXX. The exact same insurance company which handled the XXXX in XXXX. The rep with Fifth Third Bank advised they will email XXXX to retrieve the certificate of insurance. XXXX with XXXX XXXX advised they never received the request. It is now XX/XX/XXXX and my issue has not been resolved after several attempts of reaching out to Fifth Third Bank. I will try again today when I get off of work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: WA

Complaint narrative:
My credit score has been impacted by information negatively impacting my consumer profile that I did not authorize or give permission to this organization to utilize my name or information. My identity has been stole and used without my consent.

Company response to consumer: Closed with non-monetary relief