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: 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: PA

Complaint narrative:
I am submitting a formal complaint against TRANSUNION regarding inaccurate information reported on my credit file. The details in question have not been properly verified, substantiated, or documented as accurate and compliant. 

These are the accounts that I am referring to : XXXX XXXX Balance : {$260.00} Date Opened : XX/XX/year> XXXX XXXX XXXX Balance : {$12000.00} Date Opened : XX/XX/year> I have identified disputed entries on my credit report, and as a consumer, I am entitled to request the timely correction and update of this accounts status under my federal and state consumer protection rights. This complaint is being filed to ensure the reported information complies with the procedures outlined in FACTA Title 1, Section 151.

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: FL

Complaint narrative:
Subject : Dispute of Charge-O Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-o account referenced below as it is erroneous. 
Account Details : Account Name : XXXX Account Number : XXXX Reported Charge-O Date : XX/XX/year> Disputed Amount : {$0.00} I believe the charge-o in question is inaccurate, and I request that you verify its accuracy with the creditor. 
The FCRA, under Section 1681b ( 2 ), mandates that any negative information reported about me must be accurate and reflect the truth. Furthermore, Section 611 of the FCRA requires that you conduct a thorough investigation into this matter and remove any information found to be inaccurate. 
If the creditor can not provide sufficient proof of the validity of this charge-o, or if you can not verify the accuracy of the entry, I request that the charge-o be removed from my credit report as required by law. 
Please inform me of the outcome of your investigation within the 30-day time frame set forth by the FCRA. 
If you fail to respond within this period, I expect the charge-o to be removed in compliance with the law. 
Thank you for your prompt attention to this matter. I look forward to your response

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I looked at my credit report today, I saw inaccurate accounts that I don't recognize and I have no explanation for their presence. I check my report regularly, and these errors appeared out of nowhere. I tried reloading the page in case it was a system error, but the false accounts stayed there. Because of this, I request a thorough review of the documents Ive provided so I wont have to deal with this kind of issue 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 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: NY

Complaint narrative:
Today I noticed some false accounts on my credit report, and I have no clue why they appeared. This wasnt the case during my last routine check. I thought it might just be a browser issue and refreshed the page, but the inaccurate entries were still there. As a result, Im requesting a detailed review of the paperwork Ive sent to ensure this is resolved once and for all.

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: W&A Intermediate Co., LLC
State: KS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX oXXXX XXXX, Medical bills from collection agencies were asked to be removed from all three credit reports with the following verbiage : PER THE CFPB, REGULATION V, BILLING CODE : XXXX MEDICAL BILLS CA NO LONGER BE REPORTED ON A CONSUMER CREDIT REPORT. PLEASE REMOVE THIS INFORMATION IMMEDIATELY IN ACCORDANCE OF FEDERAL LAW. 

The information has not been removed.

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: EQUIFAX, INC.
State: CA

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 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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I paid down two credit cards and TransUnion lowered my score XXXX points! This is the 2nd time!! They only raise my score back when I report 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 2025-04-11 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint because I previously disputed a collection account with [ Midland Credit/creditor 's name ] and requested its removal from my credit report, as it does not belong to me. Despite my written dispute and supporting documentation, the account remains on my report and I continue to receive collection calls regarding this debt. This is causing undue stress and harm to my credit. I believe this violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as they have not ceased collection efforts during an active dispute and have not properly verified the debt. I am requesting immediate investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: FL

Complaint narrative:
I was affected by the Equifax Data Breach. I am a victim of identity theft pursuant to 18USC 1028A.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was affected by the Equifax Data Breach. I am a victim of identity theft pursuant to 18USC 1028A.

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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has a credit account that is not mine. I called and told them it is not my account and now I got a letter saying am responsible. I have a credit card with Wells Fargo and in my banking app there is another card on the bill that is not mine. 
I told them it is not mine and it is NOT on my credit report. I have 15 credit cards and I can see all of them on XXXXXXXX XXXX  and this one is not there, I tried to explain but I didnt get anywhere.

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: Experian Information Solutions Inc.
State: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-11 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
On or about XX/XX/year>, I asked FHA mortgage servicer XXXX XXXX  for options to help defer 1 month of my mortgage payment due to financial hardship related to a significant increase in my auto insurance policy down payment. I was put on a trial payment plan where I had to complete 3 months of reduced payment before the modification became permanent. XXXXXXXX XXXX sent documents for a Payment Supplement Mortgage Agreement in which I signed and notarized to be recorded with XXXX XXXX. After said recording took place and I received a copy of the recorded agreement, XXXXXXXX XXXX  contacted me to indicate that I was not eligible for such a plan because i was on a XXXX FHA product XXXX The loan servicing was then transferred to M & T Bank which assisted in putting together a Partial Standalone Claim Agreement- this document was signed, notarized and sent back to the servicer. HOWEVER, I have requested a release of the payment supplement mortgage agreement that I previously signed so that there is no duplication of the security interest in the arrearage that was owed. I have yet to receive such release documents to be recorded in order to null and void the payment supplement mortgage agreement that I do not qualify for. XXXXXXXX XXXX indicated that they can not assist because account was transferred to new servicer. No new release documents have been drafted and forwarded from the new servicer, M & T Bank.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Nelnet can not why my balance is increasing while in forbearance. Or at least I think their incorrect and blowing me off. First I was told my balance was increasing due to interest. I questioned how its increasing due to interest while my account is in forbearance period. The next response was my account is ineligible for forbearance over a period therefore I received interest charges. 
In XXXX I received an email from Nelnet stating my account was going into forbearance and would be at a 0 % interest. 
At this point I dont trust anything in regards to my loans and would like supporting documents to confirm everything along with a credit for fraudulent charges.

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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I linked a new checking account from an external provider ( Wise NA ) to my savings account ( XXXX XXXX ) on Wednesday the XXXX of XXXX. I then attempted to transfer {$27000.00} from my savings account ( XXXX ) into that checking account ( XXXX ) after successfully linking the two accounts. The transfer was initially confirmed but then refused several hours later without explanation. 

Upon calling customer support ( XXXX ) on the XXXX, I was forced to close my savings account and then reopen a new savings account. I was not informed that my account would be frozen upon completing this procedure. As a result I then requested that they close my account and transfer my funds ( approx. {$35000.00} ) to a different checking account ( FNBO ) that had been linked to my savings account for the previous 5 years. This action was also blocked and I was forced to call customer support ( XXXX ) again. 

During the subsequent call with customer support ( XXXX XXXX, I was informed that they had deleted the link to my previous checking account ( FNBO ) and would not unfreeze my account until they had received and processed a bank statement from my new checking account ( XXXX ) per post. After informing them that I needed access to my funds in a timely manner due to preparing to put together a deposit, I was denied any other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
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 2025-04-12 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: GA

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 2025-04-11 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume 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 2025-04-11 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:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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