vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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 2025-01-24 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: CT

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 2025-01-24 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: NV

Complaint narrative:
I, XXXX XXXX, am filing a complaint against XXXX XXXX, and Equifax for false and malicious credit reporting, which has caused significant damage to my credit score, reputation, and financial stability. 

Details of the Incident : Bankruptcy Filing : On XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy in California ( Case XXXX ). This bankruptcy was successfully XXXX, resolving all applicable debts before the filing date. 
Lease Agreement : I entered into a lease agreement with XXXX XXXX XXXX in Nevada on XX/XX/XXXX. This lease was initiated AFTER my bankruptcy filing and discharge, making it legally and factually separate from the bankruptcy case. 
Payments on this lease were made in full compliance with the terms of the agreement.be mindful my parents own property conveyed in the lease which was fullfulled. 

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX, through its intermediary credit data company XXXX XXXX, falsely reported to Equifax that my lease was Included in Bankruptcy and listed as the Worst Payment Status : Included in Bankruptcy. 
This reporting is chronologically impossible and malicious because the lease was executed after my bankruptcy case, which was XXXX in XXXX. There is no legal basis for retroactively including this lease in the bankruptcy, chronologically inplausible Efforts to Resolve the Issue : Upon discovery of the false reporting, I contacted Equifax to dispute the information which they changed This has led to continued financial and reputational harm, including a decrease in my credit score and denial of credit opportunities. 
Impact : The false reporting has caused : Severe damage to my credit profile. 
Emotional distress due to financial and reputational harm. 
Denial of financial opportunities and increased financial hardship. 
Desired Resolution : I am requesting that the CFPB : Anotate the scenario

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-24 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: CA

Complaint narrative:
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment. They have not supplied this information, and they must delete the alleged late payments on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so the item must be deleted from my report 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 explanation
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am writing to EXPERIAN to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation.

I know that EXPERIAN being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process.

Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law.

2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made.

I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.

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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am filing this complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I disputed multiple unauthorized hard inquiries on my credit report conducted by lenders associated with the following dealerships : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) In addition to these dealerships, the inquiries were also pulled by their associated lenders, including but not limited to : 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 

I initially contacted the dealerships and spoke to the sales representatives listed above. They denied releasing my personal information, with some stating they were unaware their companies would use my information without consent. Others advised me to contact the credit bureaus. I filed disputes with XXXX, TransUnion, and XXXX, on XX/XX/XXXX but they informed me that they could not investigate the matter and directed me to contact the individual lenders. Upon reaching out to the lenders, I was told I had no accounts with them and they could not assist me. I was redirected back to the credit bureaus, who ultimately advised me to file a complaint with the CFPB. 

I am requesting a proper investigation into these unauthorized hard inquiries and their immediate removal. If authorization is claimed, please provide proof of my signed consent and details of the permissible purpose under the Fair Credit Reporting Act ( FCRA Kindly confirm the resolution in writing.

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 2025-01-24 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: NC

Complaint narrative:
XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for failing to respond to my credit dispute within the legally mandated XXXX timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, XXXX XXXXXXXX and TransUnioon has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful. 
I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within XXXX business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 
Thank you for your time and attention to this matter. 

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX XXXXXXXX and Multiple banks Account Opening Declined Due to XXXX Validation Issue Dear Consumer Financial Protection Bureau, I am experiencing an ongoing issue with opening a savings account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite having an excellent XXXX XXXX and strong consumer behavior, I have repeatedly been declined from opening an account and applying for credit. 

The reason cited for these denials is that XXXX can not validate my credit file, which prevents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from proceeding with my account opening. I have previously contacted XXXX to resolve this issue, and they assured me that it was resolved within XXXX days. However, upon reapplying, I was met with the same denial for the same reason. 

I am submitting evidence of both instances where I attempted to open an account and was declined. This ongoing issue is causing significant harm to me as a consumer, as I am unable to access the credit I need for both personal and business endeavors. 

I kindly request that the CFPB hold XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accountable for this matter and assist in resolving it promptly. 

The inability to open a savings account and apply for credit due to Experians failure to validate my file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), as it unjustly hinders my access to financial services with a public institution. 

Thank you for your attention and assistance. 

Best regards, XXXX XXXX XXXX XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
Subject : Complaint Against Experian, XXXX XXXX XXXX and Multiple banks Account Opening Declined Due to Experian Validation Issue Dear Consumer Financial Protection Bureau, I am experiencing an ongoing issue with opening a savings account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite having an excellent XXXX XXXX and strong consumer behavior, I have repeatedly been declined from opening an account and applying for credit. 

The reason cited for these denials is that Experian can not validate my credit file, which prevents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from proceeding with my account opening. I have previously contacted Experian to resolve this issue, and they assured me that it was resolved within XXXX days. However, upon reapplying, I was met with the same denial for the same reason. 

I am submitting evidence of both instances where I attempted to open an account and was declined. This ongoing issue is causing significant harm to me as a consumer, as I am unable to access the credit I need for both personal and business endeavors. 

I kindly request that the CFPB hold Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accountable for this matter and assist in resolving it promptly. 

The inability to open a savings account and apply for credit due to Experians failure to validate my file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), as it unjustly hinders my access to financial services with a public institution. 

Thank you for your attention and assistance. 

Best regards, XXXX XXXX XXXX XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.

Complaint narrative:
I have emailed the company XXXX ( starting on the XXXX of XXXX ). Sloan servicing took over the loan from Nelnet. Everything worked fine with Nelnet. Now, I cant sign in. I cant create a username or password. I get a message telling me that I can not login. I dont know why. Ive mentioned this several times to Sloan Ser. When I attempted to use my old username and password ( from Nelnet ) that was of course not accepted either. They emailed back and lengthy filled with nothing email, even with a phone number ( that doesnt work ). All I want to do is file my IDRP. I find it strange that theyre not allowing me to do so. I feel that Sloan Sevicing is not acting ethically or in a way that is helpful and is instead trying to deliberately prohibit me from doing whats necessary so then I would go into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
My account was charged without my authorization. I lost my debit card and the account was hacked. Two transactions were disputed that were paid to tenant rent payment merchant that ive never used. I was living in a house in an entire different state at the time. I provided Chime with the information showing my own bills being paid at a different address in a different state than where the charges were. I asked them for all information gathered during the dispute to be sent to me, and they sent it. The merchant did not even reply, nor provide any evidence in the case yet Chime still denied my dispute. The evidence in the merchant section is the evidence I provided to chime myself. Which is my FTC identity theft report showing I never lived at the address XXXX payment was made for along with that years worth of utilities I paid to my actual bills. They did not gather anything from XXXX and still denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-01-24 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:
This morning, I found incorrect accounts listed on my credit report, and I have no clue how they got there. I routinely review my credit report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical issue, but the incorrect accounts remained. Due to this problem, I request a thorough review of the documents I have submitted to ensure I won't have to worry about this again.

Company response to consumer: Closed with explanation