vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-11 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: DC

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-04-11 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: FL

Complaint narrative:
My credit report shows {$18000.00}. in collections and this information is not accurate. I want all collections deleted from my credit report and all accounts closed removed from my credit report as they dont reflect the truth and are affecting my credit scores, preventing me from obtaining fair interest rates and necessary credit from my daily 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 2025-04-11 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: FL

Complaint narrative:
My credit report shows {$18000.00}. in collections and this information is not accurate. I want all collections deleted from my credit report and all accounts closed removed from my credit report as they dont reflect the truth and are affecting my credit scores, preventing me from obtaining fair interest rates and necessary credit from my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I reported to Citibank that my business checking account had unauthorized charge to Best Buy on XX/XX/year>. I was told it was made by XXXX XXXX. I don't know this person, and the charge is a fraud. Citibank rep told me on the phone that they will investigate. On XX/XX/XXXX I called Citibank to let them know that there were multiple ACH transactions made from my account. Some of them with the same name of XXXX XXXX, some are not. I was told my account was frauded and will be blocked. Since that day the charges keep coming, Citibank keeps wiring the money to the same XXXX XXXX and other accounts, new are appearing daily. I was told by multiple representative that the account is blocked. But the money keep coming out. Citibank slowly reverses some charges, just to give the money that they return back to the fraudsters. I have a strong filling Citibank 's systems don't work or /and nobody really cares for the money lost.

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 monetary relief
Consumer complaint received 2025-04-11 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 2025-04-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX SSN : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Legal Demand Identity Theft, Unauthorized Inquiries, and Inaccurate Account Disputes Final Submission of Required Documentation To Whom It May Concern, This letter serves as final notice that I previously submitted formal disputes regarding multiple entries on my credit file, including : Accounts obtained through identity theft, Unauthorized inquiries, and Inaccurate or unverifiable negative tradelines.

In response to your request for verification, I am now providing the required documentation to support and validate those disputes. Your legal obligations under the Fair Credit Reporting Act ( FCRA ) are now fully triggered and binding. 

Included with this letter : FTC Identity Theft Report, Government-issued identification, and Proof of current residence.

Under 15 U.S.C. 1681c-2, you are legally required to block all information resulting from identity theft within four ( 4 ) business days of receiving a valid identity theft report, proof of identity, and written request. This mandate is non-negotiable.

Furthermore, per 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation of all disputed information and remove any data that is inaccurate, incomplete, or can not be verified. If validation can not be provided, deletion is required by law not optional. 

You are now in full possession of all materials necessary to act. No further delay, stalling, or obstruction will be tolerated. If this matter is not fully resolved within the statutory timeframes, I will pursue all available legal remedies, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and the initiation of civil litigation for statutory and punitive damages. 

This communication is being retained for legal recordkeeping. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX SSN : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Legal Demand Identity Theft, Unauthorized Inquiries, and Inaccurate Account Disputes Final Submission of Required Documentation To Whom It May Concern, This letter serves as final notice that I previously submitted formal disputes regarding multiple entries on my credit file, including : Accounts obtained through identity theft, Unauthorized inquiries, and Inaccurate or unverifiable negative tradelines.

In response to your request for verification, I am now providing the required documentation to support and validate those disputes. Your legal obligations under the Fair Credit Reporting Act ( FCRA ) are now fully triggered and binding. 

Included with this letter : FTC Identity Theft Report, Government-issued identification, and Proof of current residence.

Under 15 U.S.C. 1681c-2, you are legally required to block all information resulting from identity theft within four ( 4 ) business days of receiving a valid identity theft report, proof of identity, and written request. This mandate is non-negotiable.

Furthermore, per 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation of all disputed information and remove any data that is inaccurate, incomplete, or can not be verified. If validation can not be provided, deletion is required by law not optional. 

You are now in full possession of all materials necessary to act. No further delay, stalling, or obstruction will be tolerated. If this matter is not fully resolved within the statutory timeframes, I will pursue all available legal remedies, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and the initiation of civil litigation for statutory and punitive damages. 

This communication is being retained for legal recordkeeping. 

Govern yourselves accordingly. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-04-11 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-11 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: NC

Complaint narrative:
On XX/XX/year> I sent a letter that included a total of 9 different types of false information thats was fasley reported on my credit report along with documentation to TransUnion, Equifax and Experian. Along with my letter I sent in my social security card my driver license along with my bank statement to verify who I was. On XX/XX/year> TransUnion, Equifax and Experian sent me letters saying that the documentation I sent was not legible and they believed a third party sent in my letters on my behalf which is totally false and incorrect. TransUnion, Equifax and Experian told me to send in a letter saying I wrote the letters and also resend my documentation. So on XXXX the XXXXXXXX XXXX I called TransUnion Equifax and Experian and said I sent the letters on my own behalf and I properly sent my documentation and it was legible they then told me I had to resend my letter saying I wrote it on my own behalf along with my documentation..So on XX/XX/year> I sent out a second letter to TransUnion, Equifax and Experian along with my my social security my driver license along with my bank statement to verify who I was like they asked me to I also sent in a letter asking them to remove the 9 false information that they were reporting on my credit report along with a letter saying that I was sending in these letters on my own behalf.XXXX XX/XX/year> TransUnion, Equifax and Experian sent the same exact letter saying a third party sent my letter in on my behalf and my documentation was not legible! ..This has become a major inconvenience in my life and has cause a great amount of stress

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 2025-04-11 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: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-11 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: FL

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 2025-04-11 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: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: CA

Complaint narrative:
Collector reported debt to the credit reporting companies around XXXX without contacting me and collecting proper verification before reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 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 2025-04-11 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-11 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: Nelnet, Inc.
State: MD

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: IL

Complaint narrative:
I have paid cash app on time with this loan since having it back in XXXX  I never been late nor missed a payment. My direct deposit was coming to my cash app. But recently 2 months ago cash app changed my limit out of nowhere decreasing my limit and forcing me to pay back and not receive the full pay I paid in. Theyre also charging and increasing my interest rates from XXXX to now XXXX. I also ask cash app why the change when I been on time and never missed a payment. They didnt have no reason why just said to me cause they can. There was also an incident where this company refused to waive the XXXX atm fee when my direct deposit was coming in there and they told me my employer wasnt qualified. Very horrible customer service and the chat help is also horrible. Please investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia Debt Recovery LLC ( dba Genesis ) is attempting to collect a debt in the amount of {$530.00}. I have written email proof from them acknowledging that this amount is incorrect, yet they continue to attempt collection based on the inaccurate balance. 

During a recent phone call, I inquired about settlement options. When I mentioned that my guarantor has the funds and may possibly be able to pay, the representative later stated that because they now know my guarantor has the funds but will not pay, the debt would be marked with a derogatory remark and labeled as evasion of debt. 

I believe this to be a false and misleading statement, especially given that evasion of debt is not a recognized credit reporting category. This language appeared intended to intimidate or pressure me into paying, despite their prior acknowledgment of the incorrect debt amount. 

I am requesting that the CFPB investigate this matter, ensure the debt amount is corrected, and address the collectors inappropriate use of misleading language and potential violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have recorded proof of this conversation along with pictures if needed.

Company response to consumer: Closed with explanation