vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I am writing to formally dispute multiple negative items on my credit report and request the immediate removal of certain hard inquiries. This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically sections 1681s-2, 1692c, 1681b, and 1681c-2. 

I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : 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 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Ever since I have been behind on payments due to loss of income and reduced income, this company has called me 3 times daily as if I hadn't spoken with them the first time advising them of my situation. One representative called on XX/XX/scrub>/2025 asking for a payment and asking how am I paying my phone bill if I can't make a payment with them, literally trying to argue with me about my personal bills and how I should be able to make a payment with them. I make sure to keep them informed, but they've called references when I can't answer their call once out of the 3 times in a day. Saying things like they haven't heard from me, but they call and I answer EVERYDAY, 3 times a day. I asked for them to send me a copy of my contract and was told I should already have it, instead of them heeding to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NJ

Complaint narrative:
I am filing this complaint due to inaccurate credit reporting by Experian regarding an unauthorized account opened with XXXX, XXXX. I reported this fraudulent account to XXXX  on XX/XX/year>. XXXX did not provide a substantive response until XX/XX/year>, via their portal, stating that my account must qualify to close. This response is unacceptable as I never authorized the opening of this account in the first place. This unauthorized account is negatively impacting my credit report with Experian. Furthermore, I have since settled this debt with a collection agency assigned by XXXX for less than the full amount, and I was assured that the account would be closed and the credit reporting would be corrected. Despite this assurance and my initial report of fraud, the negative item remains on my Experian credit report. 

I previously disputed this inaccurate information with Experian in writing on XX/XX/year>, XX/XX/year> and XX/XX/year>. I have not received a satisfactory response or correction from Experian. This inaccurate negative item is harming my credit score, which affects my ability to obtain credit, secure favorable interest rates, and impacts other areas of my life. 


Timeline of Events : XX/XX/year> : I settled a debt associated with this unauthorized XXXX  account with XXXX XXXX for less than the full amount. During the settlement process, I was explicitly assured by XXXX that the account would be closed and the negative reporting to credit bureaus would be corrected. The assurance I received during the settlement process regarding the correction of credit reporting has not been fulfilled XX/XX/year> : I discovered an unauthorized account with XXXX on my credit report and immediately reported it to XXXX as fraudulent. 

XX/XX/year> : XXXX responded via their online portal, stating that my account must " qualify to close, '' which is an irrelevant and inadequate response to a report of an unauthorized account.XXXX 's lag and response to my fraud report was dismissive and failed to address the core issue of an unauthorized account. 

The account remains open ( to my knowledge ) and I do not have the informaiton required to install the applciation to close the account.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
Was filed on my credit report on XXXX XXXX XXXX  in the amount of 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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In XXXXXXXX XXXX, I ordered inadvertently a service provided by a company named XXXX on the internet. They had offered a course for {$9.00}. After I clicked on the order I noticed that they said if I didn't cancel within 30 days they would charge my account {$160.00}. I immediately sent them an email cancelling the order. However, on XX/XX/year> PayPal charged my account {$160.00}. I emailed both XXXX and PayPal about this 3error. XXXX emailed me back that they would look into the issue and contact me. They never did contact me. PayPal said they would investigate and get back to me. They never did. Then on XX/XX/XXXX PayPal emailed me stating they were dropping the inquiry because of an " auto-close ''. I had 20 days to escalate the dispute. I did escalate the dispute with them but on XX/XX/XXXX they sent me an email saying I wasn't entitled to a refund. I believe that PayPal did not act as a fiduciary for my funds even though they guarantee " safe '' transactions. They did not investigate my claims and acted recklessly in ignoring my claimed refund. They are difficult to deal with and I think they just hope you give up and go away. This is the 2nd time they have cheated me and did not act honestly and transparently. Yes, I've learned my lesson and I will quit dealing with them. PayPal 's case # XXXX XXXX XXXX # XXXX. PayPal : XXXX XXXX

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

Complaint narrative:
Final Demand for Immediate Deletion of Inaccurate and Unverified Accounts FCRA Violation To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable accounts listed below that appear on my TransUnion credit report. These accounts contain false, incomplete, and misleading information, and your failure to correct or remove them is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 

Despite repeated disputes, no documentation has been provided to verify the accuracy or ownership of these accounts, and several accounts include missing data or balances that have already been satisfied. Yet, they remain on my credit file, negatively impacting my consumer rights and financial standing. 

I demand the immediate deletion of the following accounts from my TransUnion report : 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$850.00} Balance These entries must be removed immediately for the following reasons : No supporting documentation or original contracts have ever been provided. 

Accounts show {$0.00} balances or no payment data but continue to report negatively. 

Some entries are duplicates or contradict each other in status or amount. 

XXXX and other debt buyers have failed to provide verification of ownership or validity. 

If TransUnion does not remove these accounts within five ( 5 ) days, I will take the following actions : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. 

Contact the original creditors and debt buyers directly and request all validation under FDCPA. 

Pursue legal remedies under the FCRA for willful noncompliance and damages under 15 U.S.C. 1681n. 

This is your final notice. If you can not provide concrete evidence that these accounts are accurate, complete, and verifiable, you are required by law to delete them. Failure to act will result in further legal escalation. 

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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account to both Experian and XXXX that is factually and legally inaccurate. The account was allegedly opened on XX/XX/year>, yet is reported as a collection account by XX/XX/year>, just two months later, with no payment history or validation ever provided. The reporting timeline is impossible and violates multiple consumer protection laws : FCRA 623 ( a ) ( 5 ) inaccurate status/date reporting FCRA 604 ( b ) no permissible purpose to furnish or report this data FDCPA 809 ( b ) no legal debt validation was provided FCRA 605B I am invoking my right to block this unauthorized account Metro 2 Compliance illegal sequence and status reporting This account is damaging my credit on both Experian and XXXX, and I have never received legal validation. I have sent XXXX a cease and desist/block notice demanding permanent deletion and a 15-day deadline to comply. I also demand they do not report this account to XXXX or any other credit bureau now or in the future.

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 2025-04-04 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:
XXXX XXXX XXXX is reporting a collection account to both XXXX and Equifax that is factually and legally inaccurate. The account was allegedly opened on XX/XX/year>, yet is reported as a collection account by XX/XX/year>, just two months later, with no payment history or validation ever provided. The reporting timeline is impossible and violates multiple consumer protection laws : FCRA 623 ( a ) ( 5 ) inaccurate status/date reporting FCRA 604 ( b ) no permissible purpose to furnish or report this data FDCPA 809 ( b ) no legal debt validation was provided FCRA 605B I am invoking my right to block this unauthorized account Metro 2 Compliance illegal sequence and status reporting This account is damaging my credit on both XXXX and Equifax, and I have never received legal validation. I have sent XXXX a cease and desist/block notice demanding permanent deletion and a 15-day deadline to comply. I also demand they do not report this account to XXXX or any other credit bureau now or in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year>, a fraudulent charge of {$9000.00} was made on my Citibank credit card ending in XXXX to a merchant named XXXX, XXXX. After noticing the charge, I immediately contacted Citibank to dispute the transaction, believing it to be fraudulent. Despite my efforts to dispute the charge, Citibank denied my dispute based on the claim that too much time had passed. However, the charge was made to a company that has since been confirmed to have operated a Ponzi scheme, as stated by the SEC and a XXXX XXXX XXXX. 



I have received a victim notification from the FBI, confirming my status as a victim of fraud. Despite my attempts to resolve the issue, Citibank has failed to adequately address my dispute, and I am requesting their assistance in reopening the dispute and issuing a credit for the fraudulent charge. 



The Citi statement showing the {$9000.00} charge is attached as Exhibit F. Citibanks actions and failure to investigate this matter have caused undue financial stress and confusion.

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 2025-04-04 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and XXXX credit report : XXXX Account XXXX Open date : XX/XX/XXXX, XXXX ACCOUNT XXXX Open date : XX/XX/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 2025-04-05 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: MS

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$0.00}

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I used the Home Depot website to order some items for delivery. I prompted the cart and proceeded to check out. It prompted back an offer for a Home Depot credit card. I knew I did not qualify. I attempted to bypass the prompt but it would not allow it. I needed these items delivered so I accepted and they ran my credit. The website never did allow me to check out and pay. The following week I received a rejection letter. This is an unfair, frustrating and embarrassing practice.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
my servicer was changed to MOHELA in XXXX of last year for both of my student loan They never sent me any notice of the servicer being changed. I did not receive and correspondence from them. The next thing i know i had a XXXX late payments that showed up on my credit report for both student loan accounts. A XXXX  day late and a XXXX day late payments never showed on my credit report and till this day they do not show. I asked them to remove them since they were already in violation because they did not contact me to inform me that they were the new servicer and they never informed me of a XXXX day late payment or a XXXX  day late payment. A XXXX day late payment dropped my score by XXXX points. 
I have been in an income driven payment program for several years and did dot have to make payments on the loan due to my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation