vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX + XXXX + XXXX + XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-04-18 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:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on 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 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I can't remember the exact date because my sister was the executor of the will. In 2011 my mother passed away .She had a XXXX XXXX dollar loan on the house that she left to me. She had enough life in XXXX to pay the loan off.Thats what we did in or about XXXX 2011we paid the loan off on the house to Fifth Third Bank. I am trying to get a equity loan on my home and this XXXX came up .The loan company can't do anything until I I get this cleared up.Fifth third said it could take up to 15 days for them to do what they had to do.i mean it was paid off in 2011. Can there not be someway faster to get this resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
I purchased a water filtration system from XXXX XXXX XXXX on XX/XX/XXXX. I was told that XXXX works with Aqua Finance company, which provides a promotion of 6 months of no interest. The principal balance of the XXXX XXXX water filtration system is {$7400.00}, and I was told if this is paid off within 6 months, there will be no interest. On my first bill from Aqua Finance, I am being charged interest, as well as daily interest. I have tried calling Aqua Finance multiple times, and every time the call gets dropped after about 10 minutes. I looked Aqua Finance up online, and apparently this is a common complaint with the company. There is literally no way to contact them to resolve the issue and get the interest taken off my account as promised by the promotion ( which I have a XXXX to prove ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Dear Transunion Consumer Solutions XXXX XXXX I am reaching out to challenge an inconsistency identified in the payment history section of my credit report, specifically in relation to the following account that has been charged off : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations.

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection on Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations.

Due to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect informa on from my credit report. Please provide me with a revised copy of my credit report once this correc on has been made. 


I appreciate your prompt attention to this crucial matter. 


Yours 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Dear Transunion Consumer Solutions XXXX XXXX I am reaching out to challenge an inconsistency identified in the payment history section of my credit report, specifically in relation to the following account that has been charged off : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations.

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection on Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations.

Due to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect informa on from my credit report. Please provide me with a revised copy of my credit report once this correc on has been made. 


I appreciate your prompt attention to this crucial matter. 


Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-18 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-18 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: NJ

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-18 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-04-18 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: CO

Complaint narrative:
This is my third filing with all three credit reporting companies. I have created a second FTC Identity theft report as the inaccuracies are still not removed from my credit reports. new FTC is attached..

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy, legality, and presence of student loan accounts reported on my credit file under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX and to notify you of a critical and unlawful breach of the Family Educational Rights and Privacy Act ( FERPA ), XXXX XXXX. XXXX. 

It has come to my attention that my protected student loan information was unlawfully accessed or utilized by XXXX XXXX, an unauthorized third party with no educational, legal, or institutional affiliation with my academic records. This constitutes a direct violation of FERPA, which strictly prohibits the disclosure of educational records to third parties without the students written and informed consent.

FERPA provides : No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records of students without the written consent of their parents or the students themselves.

The continued reporting and distribution of my student loan data under these circumstances is a violation of my rights under FERPA and also constitutes noncompliance with the FCRA, which requires that all data reported must be accurate, verifiable, and legally obtained.

As a result of this FERPA violation, I am demanding the following immediate actions : XXXX. Permanent deletion of all student loan accounts from my credit file maintained by your agency. 
XXXX. Immediate cancellation of all student loan debts associated with my name, as they were compromised and are no longer legally enforceable under FERPA protections. 
XXXX. A full written investigation report detailing how and why my student loan data was accessed or shared without my consent. 
XXXX. A cease and desist from any further reporting, transmission, or furnishing of my student loan information to any third party or credit reporting entity. 
XXXX. A revised copy of my credit report confirming that all student loan accounts have been removed. 

If these demands are not met within the legally required XXXX day period, I will proceed with filing complaints with the U.S. Department of Education, Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). Additionally, I reserve the right to pursue legal remedies, including damages for unlawful disclosure and the emotional and financial distress caused by this violation. 

This letter serves as a formal legal notice and demand for action based on your responsibility to maintain compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PORTFOLIO RECOVERY regarding an account I have with them XXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PORTFOLIO RECOVERY but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: LA

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 2025-04-18 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: HI

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
my card was lost or stolen around XXXX XX/XX/XXXX of XXXX. 4 fraudelent trasactions were done on my card in the amount of XXXX cents im store of XXXX XXXX and XXXX. i informed bank of America immediately in which i was told the trasactions would be reversed and credited back to my account. i find out a week later that my claim was denied and that bank of america said that the spending habits were similiar! i have never soend these amounts of money in these stores whatsoever, i am being punished for someone else fraudently using my card and that is unfair. i will push this issue whereever inhave to i am sick and tired of being treated this way as a consumer. i put my money and trust in this bank of america only to let someone steal my money and them penalize me for it. i looked online and i see that this is happening to plenty of people and bank of america tries to deny any wrong doing. something has to be done to protect us consumers!

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