vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-21 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: WA

Complaint narrative:
This is an updated CFPB investigation from a previous investigation with new documents. Attached documents include an XXXX report showing no hard inquiries as well as no negative installments accounts. These accounts include XXXX XXXX XXXX  XXXX under XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), TRANSUNION credit reporting agency is to block all the negative accounts, hard inquiries, and charge-offs identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that you manually process my 605B deletion request and block all fraudulent inquiries from my credit report immediately, as per FCRA 605B. This includes following the law, which does not require further validation from creditors once proper identity theft documentation has been submitted. Investigation Under FCRA 611, I request an investigation of the fraudulent items on my credit report, including providing detailed sources of information relied upon for their verification including communication with the FTC. It is required that all credit agencies, XXXXTRANSUNION, be up to date with each other and that the consumer 's credit file reflect this accordingly.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
applied for credit with capital one and was denied. In the denial letter capital one said they received information from XXXX about me and I was intitled a credit report from XXXX and when I tried they sent me error messages and I was never allowed. The information stated by capital one was totally false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
I just looked at my credit report to Experian on XX/XX/XXXXXXXX XXXX XXXX I saw some hard inquiries that did not have permissible purpose. I send a letter to Experian on XX/XX/XXXX and ask them to investigate this but they still haven't fixed the matter. Can you investigate this matter? I also attached document. 

XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose of being on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose of being on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis inquiry has no permissible purpose of being on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This inquiry has no permissible purpose of being on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This inquiry has no permissible purpose of being on my report. Delete this inquiry due to violation of XXXX USC 1681b.

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 2025-03-20 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
Hi there, Ive been with E*Trade for years, always appreciated the service. Last XXXX, I got excited about the {$250.00} bonus offer for opening a new checking account and making two direct deposits of {$1000.00} or more within 90 days. I went ahead and setup my payroll one on XX/XX/XXXX and the other on XX/XX/XXXX ( youll see them on the attached statement ). 

After XXXX months of waiting and no bonus, I reached out to customer service. They agreed that I met the requirements, but then told me management decided not to award the bonus. No real explanation, just a no. 

Honestly, that's is disappointing. Ive trusted E*Trade with my brokerage account, but this experience makes me question that trust. Its tough to stay loyal when commitments arent honored. 

Id appreciate it if you could take another look. Id love to keep a good thing going, but I need to feel valued as a customer. 

Thanks for your time, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I am writing to express my deep frustration with the errors on my report that are unfairly lowering my scores. These inaccuracies have caused significant setbacks in my ability to access financial opportunities, and I should not be suffering because of incorrect information that does not belong on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NC

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 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : TRANSWORLD SYSTEM INC Account Number/Reference Number : XXXX Date the Account Was Opened:XXXX I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with TRANSWORLD SYSTEM INC buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/scrub> 2025, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including XXXX XXXX  dataset that contains the personal information of millions of students enrolled in the XXXX XXXX XXXX program. My information was among the dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: OH

Complaint narrative:
I am writing to formally file a complaint against TransUnion for reporting inaccurate and unverifiable information on my credit report, specifically regarding a collection account from XXXX XXXX XXXX XXXX in the amount of {$320.00}. 

I previously disputed this account with TransUnion, yet they failed to conduct a proper investigation and continue to report this erroneous information, in direct violation of the Fair Credit Reporting Act ( FCRA ). The reporting of this account violates 15 U.S.C. 1681c, which states that " any other adverse item of information, other than records of convictions of crimes, '' should not be reported beyond the permissible timeframe, and 15 U.S.C. 1681s-2, which mandates that furnishers of information must ensure accuracy and investigate disputes properly. Furthermore, TransUnion 's failure to maintain reasonable procedures to ensure maximum possible accuracy of the information in my credit report constitutes a violation of 15 U.S.C. 1681e ( b ).

Violations Noted : 15 U.S.C. 1681c ( Obsolete Information ) : If the account is outdated, it should no longer appear on my credit report as " any other adverse item of information, other than records of convictions of crimes, '' should not be reported beyond the permissible timeframe.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : XXXX XXXX XXXX XXXX , as the furnisher, is required to provide accurate information. If they fail to verify or correct errors upon dispute, they are in violation of this statute.

15 U.S.C. 1681e ( b ) ( Compliance Procedures ) : TransUnion is required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Their continued reporting of inaccurate and unverified information demonstrates a failure to comply with this requirement.

I am requesting that the CFPB take immediate action to investigate this matter and compel TransUnion to remove the erroneous account from my credit file. This inaccurate reporting is causing undue harm to my creditworthiness, and I demand that my rights under the FCRA be upheld.

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 2025-03-21 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:
Please refer to the attachments pertaining to the Equifax Data Breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
Upstart sent me a letter and ask them to work with me and the rep said a supervisor will call me back and no one ever return my call. I have called several times to resolve this issue. Please help get someone to call me back to get my payments resolved. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My car was repossessed. I would like to receive via email copies of all the documents, including the retail installment agreement and notice of repossession and deficiency to examine for accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Lendmark Financial Services
State: CA

Complaint narrative:
Lendmark Financial is still affecting my credit. As for they still have late payments on my credit report and this dispute was cleared with claim # XXXX with the CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( 3 Bureaus ) XXXX  XXXX - Account # : XXXX - Past Due : {$0.00} XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-20 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: IL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( XXXX Bureaus ) XXXX XXXX - Account # : XXXX - Past Due : {$0.00} XXXX XXXX - Account # : XXXX XXXX  - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
I am reporting unauthorized credit inquiries that I did not authorize. XXXX and XXXX have removed these inquiries after an investigation, but TransUnion has refused to do so. The companies that made these inquiries include : XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On or around XX/XX/2024 I requested validation of this debt, and no proof has been provided within the required timeframe under FDCPA Section 809 ( b ). I dispute its validity and request its removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation