vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Hello, I am writing to formally request an investigation and correction of inaccurate and potentially damaging information listed on my credit report. As required by the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate data and request an investigation to ensure the integrity and accuracy of the information reported under my name. 
Upon reviewing my credit reports, I have identified the following discrepancies in my personal information : 1. Inaccurate Name Variations : The following name variations are incorrectly listed on my credit report : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX These names are not accurate and may be the result of a typographical error or XXXX XXXX. My full legal name is XXXX XXXX XXXX. I request the immediate removal or correction of these name entries. 
XXXX. Incorrect and/or Inconsistent Addresses : Some addresses listed are either outdated or formatted inconsistently. Please review and remove any address not directly associated with me, My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Confirm formatting and update consistency across the following : o XXXX XXXX / XXXX XXXX XXXX XXXX o XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX o XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX. Employer Information : Please verify the accuracy of the following reported employers, my current employer is University of XXXX, XXXX XXXX XXXX XXXX XXXX If any of these employers are incorrect or outdated, I request they be removed from my file. 
These errors may impact my creditworthiness and do not reflect accurate personal or employment data. Please conduct a thorough investigation and provide a written response with the results of your findings. I expect all corrections to be made in compliance with the FCRA. 
Enclosed are copies of my current utility bill for identity verification. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-04-10 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: FL

Complaint narrative:
Subject : Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Hello, I am writing to formally request an investigation and correction of inaccurate and potentially damaging information listed on my credit report. As required by the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate data and request an investigation to ensure the integrity and accuracy of the information reported under my name. 
Upon reviewing my credit reports, I have identified the following discrepancies in my personal information : 1. Inaccurate Name Variations : The following name variations are incorrectly listed on my credit report : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX These names are not accurate and may be the result of a typographical error or XXXX XXXX. My full legal name is XXXX XXXX XXXX. I request the immediate removal or correction of these name entries. 
XXXX. Incorrect and/or Inconsistent Addresses : Some addresses listed are either outdated or formatted inconsistently. Please review and remove any address not directly associated with me, My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Confirm formatting and update consistency across the following : o XXXX XXXX / XXXX XXXX XXXX XXXX o XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX o XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX. Employer Information : Please verify the accuracy of the following reported employers, my current employer is University of XXXX, XXXX XXXX XXXX XXXX XXXX If any of these employers are incorrect or outdated, I request they be removed from my file. 
These errors may impact my creditworthiness and do not reflect accurate personal or employment data. Please conduct a thorough investigation and provide a written response with the results of your findings. I expect all corrections to be made in compliance with the FCRA. 
Enclosed are copies of my current utility bill for identity verification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: Brother Loan & Finance Co.
State: MO

Complaint narrative:
I am being garnished by this company and there sister company XXXX XXXX  at the same time..they are represented by a firm call XXXX and XXXX. I spoke with a rep at at XXXX XXXX and she stated there is nothing they can do about the 2 garnishments that is on my check and can not stop or remove one of the garnishments off my check..these companies charged XXXX percent interest on these loans due to a missed court date which i was told it wasn't necessary for me to be there its just paper work and i foolishly believed because I was aware of the court process..these companies together are taking over 25 percent of my check I thought by law in the state of XXXX  they can't do that..I reached out to my employer about this issue and they stated they also they can't remove anything because of the court order and i would need to speak to the garnishers to stop one of them or be removed..is this a violation of the consumer credit protection act or Fair Debt Collection practices act..this can not be legal that these people are taking most of my check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian credit company added false and excessive information to deliberately tarnish my credit report. Information from XXXX XXXX XXXX was removed from one credit Bureau by dispute several years ago. The engine died on the vehicle and a judge found the manufacturer was in default. It was agreed to and considered settled and has been salvaged since XXXX. The account was removed from XXXX and now been added to my Experian credit file XXXX the sole purpose of tarnishing my credit for an additional 7 years. I recently filed a dispute with Experian for this information and the dispute was denied in XXXX XXXX 's favor and dates have been refreshed to extend the negative information until XXXX. The original depth was XXXX with an approximate payments of {$50000.00} or more to XXXX XXXX for the vehicle. The original cost of the vehicle was $ XXXXplus additional GAP payments. I was listed as an additional signer for my daughter 's vehicle which never belonged to me. Experian has deliberately partnered with XXXX XXXX to make my credit look bad to the public derailing any chance of receiving approval for future credit until XXXX. This type of practice is a violation of my rights. Credit Bureaus should not be allowed to just post whatever companies ask them to place on people 's reports and cause them unnecessary financial hardship. Thanking you for your assistance.

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 2025-04-10 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX  credit company added false and excessive information to deliberately tarnish my credit report. Information from XXXX XXXX XXXX was removed from one credit Bureau by dispute several years ago. The engine died on the vehicle and a judge found the manufacturer was in default. It was agreed to and considered settled and has been salvaged since XXXX. The account was removed from XXXX and now been added to my XXXX credit file XXXX the sole purpose of tarnishing my credit for an additional 7 years. I recently filed a dispute with XXXX for this information and the dispute was denied in XXXX XXXX XXXX favor and dates have been refreshed to extend the negative information until XXXX. The original depth was XXXX with an approximate payments of {$50000.00} or more to XXXX XXXX for the vehicle. The original cost of the vehicle was $ XXXXplus additional GAP payments. I was listed as an additional signer for my daughter 's vehicle which never belonged to me. XXXX has deliberately partnered with XXXX XXXX to make my credit look bad to the public derailing any chance of receiving approval for future credit until XXXX. This type of practice is a violation of my rights. Credit Bureaus should not be allowed to just post whatever companies ask them to place on people 's reports and cause them unnecessary financial hardship. Thanking you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called after XX/XX/XXXX because I was unexpectedly charged interest. 
I had a promo balance and a purchase balance and I was unaware that my payment was going to my promo balance only. In the past I didnt have to pay off promo balance until statement cycle that was due. So at that time representative told me how much to pay to stop more interest. I immediately paid XX/XX/XXXX and XXXX total {$2500.00}. I noticed it also went to promo, so I called again and spoke to supervisor XXXX XXXX, I believe ). She assured me she would note my account and have my payment reallocated to my purchase balance and adjust the interest. Next XX/XX/XXXX statement cycle I was charged more interest and the reallocation did not happen. So I then pay {$9700.00} between XXXX which was total of purchase balance and promo balance that was appearing on statement. After payments posted, I discovered the purchase balance was increased again along with reversed disputes that was decided in my favor months ago. Payments also appear to be getting credited towards another promo not due until XX/XX/XXXX still leaving me with a purchase balance. I have a situation where I cant pay off purchases and I am being forced to pay high promo balances first when they are not due and total almost XXXX. I only used the card for purchases because of {$60.00} cash back promo I was offered. I would have not used card otherwise if this was going to force payment in full on large promo balances. This is ongoing issue XXXX cant get any resolution. I have had my card for 20 years and I have always paid balances in full to avoid interest. Please help me stop this interest issue. I have been receiving misinformation from the call center since XXXX and getting charged in the process.

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
Consumer complaint received 2025-04-10 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Contacted barclay via chat in regards to being sent a letter dated XX/XX/year> asking for a response 10 days from the date & received it XX/XX/year>. A manager has yet to contact 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

Company response to consumer: Closed with non-monetary relief