vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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:
I reached out to the CFO of XXXX XXXX XXXX XXXX to get full disclosure on all alleged debts/accounts. In accordance with hjr 192, public law 73-10, 18 USC 8 , a bank technically doesn't loan anything, and is not the creditor, therefore there can be no debt. The three major credit agencies, XXXX, TransUnion, and Experian are not following the law, when it come to credit reporting. Each one of those agencies, have different information about the exact same accounts. They are not investigating any alleged debts, they are just placing alleged debts on credit reports without doing their due diligence. In doing so these credit agencies are causing me personal injure. These credit agencies are not following consumer laws, and neither is XXXX XXXX XXXX XXXX. I have been trying to resolve these issues for over there years. I have sent XXXX XXXX debt validation, and debt verification letters, several times. The only response I received is a promissory note, that isn't showing any validity of debt. There were no meeting of the minds, at any time, there was no equal exchange. As for the credit reporting agencies, I have never authorized them, not given consent for them to post my personal information. The credit reporting agencies are mere private entities operating in the public. Not one time had either company reached out to get my consent to publish any of my private information. Each and every agency is committing identity theft, and violating the consumer laws which governs them.

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 2025-02-19 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: NC

Complaint narrative:
I reached out to the CFO of XXXX XXXX XXXX XXXX to get full disclosure on all alleged debts/accounts. In accordance with hjr 192, public law 73-10, 18 USC 8 , a bank technically doesn't loan anything, and is not the creditor, therefore there can be no debt. The three major credit agencies, XXXX, TransUnion, and Experian are not following the law, when it come to credit reporting. Each one of those agencies, have different information about the exact same accounts. They are not investigating any alleged debts, they are just placing alleged debts on credit reports without doing their due diligence. In doing so these credit agencies are causing me personal injure. These credit agencies are not following consumer laws, and neither is XXXX XXXX XXXX XXXX. I have been trying to resolve these issues for over there years. I have sent XXXX XXXX debt validation, and debt verification letters, several times. The only response I received is a promissory note, that isn't showing any validity of debt. There were no meeting of the minds, at any time, there was no equal exchange. As for the credit reporting agencies, I have never authorized them, not given consent for them to post my personal information. The credit reporting agencies are mere private entities operating in the public. Not one time had either company reached out to get my consent to publish any of my private information. Each and every agency is committing identity theft, and violating the consumer laws which governs them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
I'm contacting you regarding my stolen identity and would appreciate your assistance. Could you kindly remove the specific item and ensure that all other incorrect information is updated promptly? Your quick response would mean a lot to me.

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 2025-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am a victim of ID theft. XXXX was fraudulently transfer from Discover to XXXX XXXX bank in XXXX Discover put in a recall request But will not tell me the receivers name or account number nor will they follow up with the receiving bank This happened on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: KS

Complaint narrative:
I submitted a dispute with experience XXXX of XXXX because Continental Finance which who I had a surge credit card through issued by Celtic Bank is reporting that the account is open. The account is not open I voluntarily close this account XXXX of XXXX. The result of the dispute that I filed with XXXX in XXXX was completed XX/XX/XXXX they changed nothing on my credit report and showing the account still as open when it is closed. I will be attaching a letter that I received from Continental Finance Celtic Bank issuer of surge credit card stating to the fact that the account is permanently closed.

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 2025-02-19 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: WA

Complaint narrative:
On XX/XX/scrub>/2025 XXXX XXXX  from XXXX XXXX, Oregon ran my credit without letting me know they were running it until I received alerts on my email. We had an appointment at XXXX and thats when I thought they would run my credit after I test drive the vehicle which we werent able too, yet they already had ran my credit without my knowledge. Then later that day he called me saying my credit was frozen and I let him know no its not frozen since you already ran my credit trying to gaslight me. I talked to my XXXX XXXX XXXX XXXX on XX/XX/scrub>/2025 and was told the XXXX  was being too pushy and saying I had agreed to everything which is not true!

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 2025-02-19 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.

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: PA

Complaint narrative:
ACCORDING TO THE CREDIT REPORTING AGENCIES, A NUMBER OF MY ACCOUNTS HAVE BEEN CHARGED OFF AND SOLD IN XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NEVER RECEIVED A 1099-C FORM FROM ANY OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
On XX/XX/year>, I participated in a XXXX interview for a XXXX XXXX XXXX XXXX with what I believed to be a legitimate company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and previously known as XXXX XXXX XXXX ). After further investigation, I discovered that the company had previously gone by the name XXXX XXXX XXXX and has been reported for engaging in fraudulent hiring practices. 

During the interview, I was asked by representatives XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for remote access to my screen under the pretense of setting up work-related software. However, without my knowledge or consent, they used this access to open a {$6000.00} loan in my name and make unauthorized transactions through my Apple XXXX. 

After the interview, I was pressured into electronically signing contracts under false pretenses, with the company claiming that I needed to complete training and work for them in order to be reimbursed for the money taken from my accounts. When I tried to opt out of this situation, I was threatened with legal action if I disputed the charges. They claimed to have recorded our XXXX interview and had my signed contract as evidence against me. After conducting further research, I found that this company has a history of misleading individuals with fraudulent pay-to-work schemes. 

As a result, I was defrauded of {$6000.00}, which includes {$1000.00} withdrawn from my XXXXXXXX XXXX credit card account and {$5000.00} charged to my Apple Card, issued by Goldman Sachs Bank. These transactions were processed through the XXXXXXXX XXXX which is a social commerce platform and when I attempted to request a refund from the merchant, my account on XXXX was suspended. In response, I immediately filed disputes on XX/XX/XXXXXXXX XXXX XXXX XXXX  with the XXXX XXXX and Apple/Goldman Sachs Bank for the unauthorized charges. In addition, I have already filed complaints with IC3 and the FTC regarding this matter. I am now submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to seek refund and the removal of the fraudulent loan from my credit history. 

To support my case, I have attached emails, the signed contract, proof of transactions made to the XXXX XXXX. Please let me know if any additional information is needed. 
Thank you for reviewing my case and I really hope we can find a solution to this soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/scrub> 2025 XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing to formally complain about the handling of my account investigation. My account was locked three weeks ago due to a direct deposit from my father, which I later learned was not allowed. I immediately contacted your support team, explained the situation, and have since been repeatedly told that an XXXX would get back to me. However, no resolution has been provided. 

This morning ( XX/XX/year>2025 ), I called again and was told that Ally does not believe I am the account owner, and the representative hung up on me. This is unacceptable. I have complied fully, provided the necessary information, and there has been no indication of fraudulent activity or stolen funds related to this deposit. 

At this point, I demand : XXXX. A direct response from a XXXX  XXXX regarding my account status. 
XXXX. A clear timeline for when this issue will be resolved. 
XXXX. Access to my account or an explanation in writing if Ally intends to close it. 



I expect an immediate resolution to this matter. Please respond 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 2025-02-19 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: IL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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 2025-02-19 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: MN

Complaint narrative:
I am filing a formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Despite my repeated efforts to dispute inaccurate information, TransUnion has failed to properly investigate my disputes and continues to report inaccurate and misleading information on my credit file. 

I have sent multiple dispute letters and filed several CFPB complaints, yet TransUnion has not conducted a reasonable investigation. I recently discovered that accounts included in my bankruptcy have been reinserted onto my credit report in direct violation of FCRA reinsertion rules. Additionally, TransUnion responded with false information, stating that their investigation verified these accounts as accurate, despite clear evidence to the contrary. 

I am formally requesting immediate permanent deletion and correction of the following inaccurate information from my TransUnion credit report : XXXX. Incorrect Personal Information : Incorrect names XXXX. XXXX XXXX  XXXX XXXX  : The XXXX XXXX XXXX does not report or verify bankruptcies to consumer reporting agencies. This entry should be removed. 
XXXX. Accounts Included in Bankruptcy but Reinserted or Still Reporting : XXXX This account was included in my bankruptcy but is not listed as such and is now reporting again. 
XXXX XXXX  This account was included in my bankruptcy but is now reporting again. 
XXXX. Accounts with Unverified Documentation : XXXX XXXX XXXX Has not provided proper documentation that constitutes proof that I owe them for this account. 
XXXX XXXX Has not provided proper documentation that constitutes proof that I owe them for this account. 
XXXX XXXX Has not provided proper documentation that constitutes proof that I owe them for this account. 
XXXX. Accounts Reporting Inaccurate or Reinserted Information : XXXX  XXXX XXXX This account was deleted on XX/XX/year>25 but reinserted on XX/XX/year>25 and continues to report inaccurately. 
XXXX XXXX inaccurate information. 

XXXX Failure to Comply with the FCRA Includes : Failure to conduct a reasonable reinvestigation of disputed accounts. 
Reinserted accounts included in bankruptcy without proper notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 
Providing misleading and false responses to disputes. 
Failure to correct and remove inaccurate information. 

Please provide me with an update on the status of this complaint and the corrective actions that will be taken against TransUnion. I appreciate your prompt attention 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 non-monetary relief
Consumer complaint received 2025-02-19 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XXXX of XXXX, I received a mail at my home from USAA with a checking account that was in the negative for over {$2000.00}. I contacted the Fraud Department for USAA and let them know that I had NEVER opened this account. A gentleman told me he apologies he will get the matter resolved immediately. He asked me would I like him to report this to consumers to notify them that I am a victim of Identity Theft. I thought I was doing the right thing when I said " Yes please! '' Instead, USAA sent over an Identity Fraud alert to XXXX XXXX XXXX. I have called and spoken to a XXXX XXXX XXXXXXXX for USAA on XX/XX/XXXX for XXXX minutes where I was asked public information that is in public records for verification purposes. I filed a police report and would like to know how may I please clear this off of my report. Thank you.

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