vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-05-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-13 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: TX

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct 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 2025-05-13 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$930.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$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 2025-05-13 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: MD

Complaint narrative:
I am writing to formally inform you of a previous dispute and request the deletion of several accounts that were included in a legally discharged through XXXX XXXX XXXX XXXXiled on XXXX XXXX, XXXX. I disputed it with the bureaus on XX/XX/XXXX. 

The bureaus are required to report all information accurately, and there are several errors with these accounts. I also requested that they do their research on the accounts listed below. 

According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c ( a ) ( 1 ), any adverse information, such as charge-offs or late payments, must be reported accurately and not in a misleading or outdated manner. Additionally, under 15 U.S. Code 1681i, you are required to reinvestigate any items I dispute within XXXX days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Per FCRA guidelines , furnishing inaccurate post-bankruptcy information is considered misleading and unlawful. Courts have upheld that continuing to report negative payment history on debts discharged in bankruptcy may violate consumer rights ( see In re XXXX, XXXX XXXX XXXXXXXX, XXXX. XXXX. XXXX XXXX ). 



Action Requested : Update each account to reflect : Included in Bankruptcy {$0.00} Balance Discharged Remove any charge-off, past due, or collection status associated with these accounts Ensure that your reporting is consistent with FCRA and bankruptcy laws Please send me written confirmation that these corrections have been made. I have included a copy of my bankruptcy discharge paperwork and a copy of my government-issued ID for verification. 



Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX was give this information for XXXXXXXX XXXX  over 7 years ago. This charge was included in a chapter XXXX bankruptcy. The account was opened in XXXX or XXXX with a bankruptcy on XX/XX/XXXX charged and dismissed. I have tried to get this removed before with you assistance it was removed, but this year placed back on my XXXX account with a 2022 year which is incorrect. Not sure why it say XXXX when i filed in XX/XX/XXXX XXXX XX/XX/XXXX. 

Also In accordance with the aforementioned laws and regulations, I respectfully request that these debt ( s ) be removed from my credit file immediately. The Consumer Financial Protection Bureau ( CFPB ) and related regulations explicitly require the correction or removal of inaccurate or outdated information that may be affecting my creditworthiness.

Please confirm in writing that this debt has been removed from all credit reporting agencies and is no longer associated with my credit profile. Failure to comply with this request will leave me no choice but to pursue further legal remedies. 
Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter, as mandated by the Fair Credit Reporting Act ( FCRA ). 
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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I am writing to formally request a resolution regarding the {$300.00} promotional bonus associated with my BMO Smartly Checking account, which I opened on XX/XX/year>. At the time of opening, I enrolled in a promotion that offered a {$300.00} bonus for completing the following requirement : Open a Smart Advantage Account and get a bonus of {$300.00} when you have at least {$4000.00} in qualifying direct deposits within the first 90 days of account opening. 

As shown in the attached account statement, I satisfied this requirement with two qualifying direct deposits totaling over {$4000.00} on XX/XX/XXXX and XXXXwell within the required 90-day period. Per the terms of the promotion, the bonus should have been posted by XX/XX/year>. However, not only did the bonus fail to post, but my account was unexpectedly closed due to inactivity on XX/XX/year>, without prior notice. 

Upon contacting BMO, the matter was escalated. The representative confirmed that I had fulfilled the bonus requirements and advised me to reopen and fund the account, which I did with a {$25.00} deposit. Since then, I have made multiple follow-up calls, each time being assured I would receive a response within five business daysyet I have not received any follow-up to date. 

My most recent conversation was with a representative named XXXX, who provided me with case number XXXX and again committed to following up. Unfortunately, I have not heard back since.

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am filing this complaint against Nelnet/Sloan/Department of Education due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 20 late payment entries from Department of Ed/NelNet/Sloan , which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Nelnet raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur. 

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
I recently received letters from Equifax stating that my complaints about the accounts reporting on my credit report listed as : XXXX XXXX and account number : XXXX. But there are several accounts with this exact name and account number on my credit reports but the only thing that separates them is the balance listed. In all of my complaints on the CFPB ; I listed the name of the account, the account number, and the balance but Equifax responded that they believe that my dispute is frivolous but that can't be if they actually read my letters in each complaint. Equifax just showed clearly that they can't do a thorough investigation because they aren't reading my letters. Anyone can go back to complaints here in the CFPB and see that I listed everything that Equifax has listed on my credit reports to represent these accounts. I believe that Equifax should delete these accounts since they have shown that they can't do an actual investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: DE

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 non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Certified Mail & CFPB Complaint Portal XXXX XXXX XXXX XXXX  Re : Final Notice Demand for Immediate Deletion of All Fraudulent and Illegally Reinserted Accounts XXXX XXXX To TransUnion : Under XXXX XXXX FCRA 1681i and 1681s-2 XXXX XXXX you are directed to XXXX XXXX  immediately delete XXXX XXXX the following unlawfully reported accounts. Noncompliance will result in legal action for XXXX XXXX  willful violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A. Personal Information Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ( incorrect ). 
XXXX XXXX XXXX  Violation XXXX XXXX XXXX FCRA 1681c ( f ). 
XXXX XXXX XXXX  Demand XXXX XXXX XXXX Delete immediately. 

-- - # # # # * * XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent " Charge Off '' status. 
XXXX XXXX XXXX Violation XXXX XXXX XXXX FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX  Demand XXXX XXXX XXXX Delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} balance on {$310.00} limit. 
XXXX XXXX XXXX Violation XXXX XXXX  : FCRA 1681i ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Demand XXXX XXXX : Delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Illegally Reinserted Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation XXXX XXXX  : FCRA 1681i ( a ) ( 5 ) ( B ) ( i ). 
XXXX XXXX XXXX Demand XXXX XXXX  : Permanently delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation XXXX XXXX  : FCRA 1681i ( a ) ( 5 ) ( B ) ( i ). 
XXXX XXXX XXXX  Demand XXXX XXXX  : Permanently delete. 

XXXX XXXX XXXX XXXX Legal Notice XXXX XXXX  : Your failure to comply violates XXXX XXXX  15 U.S.C. 1681n XXXX XXXX and exposes you to statutory damages of XXXX XXXX {$1000.00} per violation XXXX XXXX 

XXXX XXXX Required Actions XXXX XXXX XXXX XXXX XXXX XXXX Delete all accounts * * listed above. 
XXXX XXXX XXXX Confirm deletions in writing XXXX XXXX within 30 days. 

XXXX XXXX Attachments XXXX XXXX XXXX XXXX  TransUnion report ( highlighted ). 
- Proof of identity. 

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 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PR

Complaint narrative:
I requested the cancelation of policy XX/XX/year> ( it was within the window of cancelation ). Despite, they sent it to a deb collector. I have evidence of the letter of cancelation and multiple e mails to customer service. 
Today XXXX XXXX XXXX I called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) requested to speak with a supervisor, she appeared to be 'moking ' my voice in a 'childish tone '. Never passed me through a supervisor. Instead, she passed me with a person named XXXX XXXX XXXX, who said that someone would call me. XXXX XXXX XXXX XXXX  IN XXXX XXXX WERE VERY RUDE AND DISRESPECTFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
XX/XX/year> I received a copy of my credit report and noticed several inaccuracies in my Account, this Account is hurting my ability to obtain credit, it is my understanding that you will investigate these tems for me to ensure accuracy. 

The items inquestion are listed below : - Creditor Name : XXXX XXXX - Partial Account Number : XXXX -Creditor Name : XXXX XXXXXXXX - Partial Account Number : XXXX - Creditor Name : XXXX XXXX  - Partial Account Number : XXXX - Creditor Name : XXXX XXXXXXXX - Partial Account Number : XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX  Partial Account Number : XXXX Creditor Name XXXX XXXX XXXX  - Partial Account Number : XXXX -Creditor Name : XXXX XXXX - Partial Account Number : XXXX - Creditor Name : XXXX XXXX  - Partial Account Number : XXXX - Creditor Name : XXXX XXXX  - Partial Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Partial Account Number : XXXX Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act.

Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the better business Bureau.

Additionally, please remove all non-account holding inquiries over 30 days old.

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 2025-05-13 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: FL

Complaint narrative:
XX/XX/year> I received a copy of my credit report and noticed several inaccuracies in my Account, this Account is hurting my ability to obtain credit, it is my understanding that you will investigate these tems for me to ensure accuracy. 

The items inquestion are listed below : - Creditor Name : XXXX XXXX - Partial Account Number : XXXX -Creditor Name : XXXX XXXXXXXX - Partial Account Number : XXXX - Creditor Name : XXXX XXXX  - Partial Account Number : XXXX - Creditor Name : XXXX XXXXXXXX - Partial Account Number : XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX  Partial Account Number : XXXX Creditor Name XXXX XXXX XXXX  - Partial Account Number : XXXX -Creditor Name : XXXX XXXX - Partial Account Number : XXXX - Creditor Name : XXXX XXXX  - Partial Account Number : XXXX - Creditor Name : XXXX XXXX  - Partial Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Partial Account Number : XXXX Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act.

Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the better business Bureau.

Additionally, please remove all non-account holding inquiries over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: SC

Complaint narrative:
During the time that we got hacked by information was stolen

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