vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX Account # : XXXX** date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-27 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: MD

Complaint narrative:
There has been a serious breach of my personal and financial information without my authorization. The FERPA protects the confidentiality of student records, which was not upheld. My debts should be cancelled in full.

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 2025-03-27 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: MD

Complaint narrative:
There has been a serious breach of my personal and financial information without my authorization. The FERPA protects the confidentiality of student records, which was not upheld. My debts should be cancelled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT BANK ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

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

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 2025-03-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : Name : XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-03-27 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: DISCOVER BANK
State: NJ

Complaint narrative:
The Discover account was deleted then reinserted without me being notified as required by law. The payment history has inconsistent reporting. I rescinded the agreement with Discover and rescinded me authorizing Discover to report this account to XXXX and XXXX, based on their agreement. See attached dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IN

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 explanation
Consumer complaint received 2025-03-27 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: IN

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 2025-03-27 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: WV

Complaint narrative:
Called up and closed account in 2019. Deceptive business practices. XXXXm sure you can pull up the recordings and verify called. I had a deposit on the card. Also it is being reported on the credit bureaus as closed but yet XXXX keeps reporting missed payments! Company is now stating I need to contact XXXX as a stall tactic. This is getting ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: WV

Complaint narrative:
Called up and closed account in 2019. Deceptive business practices. XXXXm sure you can pull up the recordings and verify called. I had a deposit on the card. Also it is being reported on the credit bureaus as closed but yet XXXX keeps reporting missed payments! Company is now stating I need to contact XXXX as a stall tactic. This is getting ridiculous

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 2025-03-27 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: WV

Complaint narrative:
Called up and closed account in 2019. Deceptive business practices. XXXXm sure you can pull up the recordings and verify called. I had a deposit on the card. Also it is being reported on the credit bureaus as closed but yet XXXX keeps reporting missed payments! Company is now stating I need to contact XXXX as a stall tactic. This is getting ridiculous

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 2025-03-27 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: IL

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 explanation
Consumer complaint received 2025-03-27 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:
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 2025-03-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and removal of these inquiries.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately. 

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies.

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 2025-03-27 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: MD

Complaint narrative:
I have previously disputed with XXXX, Experian 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 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 2025-03-27 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 formally disputing the following negative items on my credit report : Also Known As : XXXX XXXX XXXX Name : XXXX XXXX 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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caneel Capital, LLC
State: MD

Complaint narrative:
1. Trinity was given notice on XX/XX/XXXX from XXXX XXXX, XXXX they were no longer representing Trinity, 2. yet on XX/XX/XXXX Trinity falsely provided CFPB with a copy of XXXX XXXX XXXX XXXX  brief as though Trinity was actively being represented but in fact was no longer true. 3. The dispute with Trinity began in XXXX XXXX XXXX XXXX legally erred transferring its adjudicated and cancelled " Note '' and defunct " Deed of Trust '' after XXXX XXXX  XXXX adjudicated the " Note '' in XXXX into a Final Judgment and memorialized in a " Money Judgment '' for damages. XXXX nor any other party can re-litigate or enforce XXXX 's already enforced and extinguished " Note ''. 5 TFS 's unlicensed status to attempt enforcement of a debt it did not own pursuant CFPB, Rule 2-624, XXXX, and XXXX and jurisdictionally barred by XXXX 's Final Judgment cancelling the " Note '' and barring re-litigation of XXXX 's XXXX Note '' a legally unenforceable debt instrument. The XXXX trial court replaced the adjudicated " Note '' issuing a XXXX Final Judgment " Money Judgment '', an enforceable debt instrument which expired XXXX XXXX. Md. 2-625 governs " Money Judgments '', a non-negotiable debt instrument that are only enforceable by the Judgment Creditor. TFS was never a " Noteholder '' nor a " Judgment Holder or assigned a legally enforceable debt instrument to enforce. The XXXX 's assignment of a " Money Judgment '' must be in writing, signed by the Judgment Creditor and recorded pursuant Rule 2-624. As a matter of law, XXXX erred by invalidly recording deed of trust assignments that were defunct in XXXX and legally ineffective without an enforceable " Note '' making the " Deed of Trust '' a nullity in this foreclosure sale. TFS 's foreclosure relied solely on the jurisdictionally Final Judgment barring re-litigation of the cancelled " Note '' and nullified " Deed of Trust '' both legally adjudicated, and extinguished, and voiding the Order to Docket and sealed by TFS 's unlicensed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Dispute of Inaccurate Credit Reporting by Navy Federal Dispute of Inaccurate Credit Reporting by Navy Federal Credit Union I am filing this complaint regarding Navy Federal Credit Union, which has furnished inaccurate information on my credit file. Despite previously disputing these errors, the information remains incorrect. The inaccuracies include : Date Opened Incorrectly reported High Credit Balance Incorrectly reported Last Late Payment History Incorrectly reported Last Active Status Incorrectly reported These errors are negatively affecting my credit profile. I have already disputed this information once before, yet the inaccuracies persist. Since Navy Federal has failed to report accurate and verifiable information, I am formally requesting that this item be removed from my credit file entirely.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation and expect either verified corrections or removal of the disputed account from my credit report. Please provide a timely response and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I contacted the company in XXXX after realizing they are reporting on my Experian report that {$7000.00} was written off from my loan I provided documentation from their own company that shows that the information is incorrect and they refuse to correct it. The amount written off is NOT {$7100.00}. I provided documentation to prove that on numerous occasions via dispute, Experian and XXXX XXXX. When I was denied even with documentation to prove it, I called them and they absolutely were unhelpful with resolving my issue. They put me on hold for 1020 minutes at a time evidently hoping I would hang up. Experian will not allow me to dispute this matter any further.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I contacted the company in XXXX after realizing they are reporting on my XXXX report that {$7000.00} was written off from my loan I provided documentation from their own company that shows that the information is incorrect and they refuse to correct it. The amount written off is NOT {$7100.00}. I provided documentation to prove that on numerous occasions via dispute, XXXX and Trans Union. When I was denied even with documentation to prove it, I called them and they absolutely were unhelpful with resolving my issue. They put me on hold for 1020 minutes at a time evidently hoping I would hang up. XXXX will not allow me to dispute this matter any further.

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