vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
TransUnion inaccurately reported an account ( XXXX ) on my credit report, failing to meet XXXX XXXX XXXX XXXX XXXX XXXX ) Metro 2 standards and violating the Fair Credit Reporting Act ( FCRA ). The report includes a misleading comment ( XXXX ) stating the account was " Transferred to another lender, '' which is incorrect, as no transfer occurred. These inaccuracies compromise the reliability of my credit report and may harm my financial standing.

This is not sent by a third party under FCRA LAW youre obligated to investigate disputes without any issue. Do not sendstallletters

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Addresses don't belong to me .. my only address is XXXX XXXX XXXX XXXX XXXX SC 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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Reported fraud multiple times and it's still unresolved and my balance is now 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 explanation
Consumer complaint received 2025-04-16 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
On XXXX I was charged XXXX for XXXX ad XXXX On XXXX charged XXXX and a foreign transaction fee of XXXX cents. I am not a business nor did I authorize it. I had a XXXX balance I contacted the co was told theyd remove it close the card and issue a new one. They didnt. Ive emailed 4 times and when you call youre told agents busy leave a message. I want the fees removed and a new card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
Today I received an email to my junk folder stating that I owe {$650.00} in late fees. I immediately called and stated that never once have I been late. They informed me that I would need to call another copmany and refused to provide any information about it. I asked to speak to a supervisor and they refused to connect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I would like my personal information updated to remove all past addresses and aliases for accuracy. Id also like to have all of my accounts investigated to validate the account information and balances are correct.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I would like my personal information updated to remove all past addresses and aliases for accuracy. Id also like to have all of my accounts investigated to validate the account information and balances are correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX or XXXX Date : XX/XX/XXXX To : Equifax XXXX Experian XXXX TransUnion Corresponding Bureau Address listed below ________________________________________ Re : Formal Demand for Immediate Deletion of Unverified Accounts Dear Equifax/Experian/TransUnion Dispute Department , This letter serves as formal notice and final demand for the immediate deletion of the following accounts currently being reported on my credit file, which remain unverified and in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX I have previously disputed these entries and repeatedly requested proper validation and documentation verifying that I legally owe the debts allegedly associated with these accounts. Despite my good faith efforts, your organization has failed to produce any legitimate evidence to support the continued reporting of these derogatory tradelines. 
Under the FCRA ( 15 U.S. Code 1681i ), a credit bureau is obligated to delete any information that can not be verified. You have no legal authority to continue reporting unverifiable or illegitimate information. This is not a requestit is a final demand for deletion. 
Let me be clear : You have had more than sufficient time to investigate these items. 
I am requesting deletion, not reinvestigation. 
Continued reporting of these unverified accounts constitutes willful negligence and may expose your agency to legal liability under federal law. 
I hereby demand the following : Immediate deletion of the above-listed accounts from my credit file.

A written statement clearly indicating whether or not your bureau is currently reporting any of these accounts. 
If your bureau is reporting any of these accounts, you are required to remove them within 15 days of this notice, or I will pursue legal remedies. 
Your continued reporting of these unverifiable and potentially inaccurate accounts is a violation of federal law and may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil legal action.

I demand written confirmation that these accounts have been removed from my file and that no further unverifiable information will be reported in the future. 
Sincerely, XXXX XXXX ________________________________________ Credit Bureau Addresses : Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA 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 2025-04-16 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: OH

Complaint narrative:
I am filing this complaint against TransUnion LLC for failing to uphold its legal obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in response to my formal disputes regarding inaccurate account information on my credit report. 
On XXXX, I submitted a formal reinvestigation request to TransUnion under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 
Despite this request, TransUnion failed to correct or remove inaccurate, incomplete, or unverifiable accounts. These accounts continue to appear on my credit report, negatively impacting my creditworthiness. 
I then submitted a second written notice to TransUnion, outlining how these accounts violated additional federal statutes, including : 15 U.S.C. 1681s-2 Furnisher responsibilities to report accurate information and correct errors upon notice of a dispute. 
15 U.S.C. 1681s-2 ( a ) ( 7 ) Requirement that furnishers notify the consumer within 30 days when reporting negative information.

15 U.S.C. 1666b Related to timely resolution of billing disputes under the FCBA, specifically regarding the timely handling of errors and failure to reflect corrections in revolving credit account statements. 
I pay for Transunion 's live monitoring subscription which I provided some examples in the attachment but the information is different from the actual report, which is very misleading. 15 USC 1681 e ( b ) ,15 USC 1681i ( 5 ) other violations on my report

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 2025-04-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems is refusing to reinvestigate a dispute I submitted regarding a charge-off reported by XXXX XXXX XXXX The original charge-off was caused by an unauthorized ACH withdrawal that occurred after I had already sent a wire transfer to the same party. The XXXX was for a different amount, and I never authorized it. This unauthorized transaction caused the account to go negative. 

I contacted XXXX immediately to stop the transaction, but they failed to act. I later paid the full charge-off amount, yet XXXX reported me to ChexSystems, and the entry remains. 

I submitted a dispute to ChexSystems, clearly identifying new information the unauthorized nature of the XXXX, its differing amount from the wire, and Schwabs inaction. Under FCRA 1681i, I am entitled to a reinvestigation when new facts are presented. Instead, ChexSystems dismissed my dispute as frivolous without reviewing the details or seeking any validation from XXXX. 

Their refusal to reinvestigate based on newly submitted information is a direct violation of the Fair Credit Reporting Act and is causing continued financial harm by preventing me from opening essential banking accounts.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-16 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: FL

Complaint narrative:
I disputed a fraudulent account called XXXX XXXX on my TransUnion credit report back on XX/XX/2025. This account isnt mine, and I made that clear in the dispute. 

Since then, TransUnion hasnt taken the time to properly investigate or remove the account. Ive followed up, but theyve ignored me completely. Its been over XXXX months and nothing has changed. 

This situation is stressing me out and hurting my credit. I feel like Im being ignored, and its not fair. I just want this account removed and a proper investigation done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MS

Complaint narrative:
I am a victim of identity fraud and request for this fraudulent information to be deleted immediately. 

Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : Full Time Employment XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX Dept Of EducationXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/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 2025-04-16 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-16 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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