vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, XXXX, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My Personal and Financial information was compromised without my authorization. The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records and credit reports ( Law 15. U.S.C 1681b ) which was not upheld. This act is a direct violation of FERPA and the responsibility to safeguard my information. I Would like all accounts removed from my report with good standing.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My Personal and Financial information was compromised without my authorization. The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records and credit reports ( Law 15. U.S.C 1681b ) which was not upheld. This act is a direct violation of FERPA and the responsibility to safeguard my information. I Would like all accounts removed from my report with good standing.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My Personal and Financial information was compromised without my authorization. The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records and credit reports ( Law 15. U.S.C 1681b ) which was not upheld. This act is a direct violation of FERPA and the responsibility to safeguard my information. I Would like all accounts removed from my report with good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I enrolled in a contract with XXXX XXXX XXXX which was to include aligner treatment, in-person and tele-health check-ins, and a lifetime smile warranty for future adjustments. XXXX XXXX XXXX XXXX has closed its doors completely they have breached the terms of this contract, and I didn't receive full treatment before they shut down operations. As a result of this, since i was no longer getting my treatment, i stopped paying my monthly dues. it didnt make sense to me to continue to pay for something that was not being provided to me. I want to clarify here, by the time i was close to finishing my treatment, my bite was completely messed up, which is why i reached out to them so i could have this fixed. This is something that would've been provided under their XXXX  warranty, however, by the time i was going to get new scans, they shut down and I could never get my teeth alignment fixed. 
Also, My contract explicitly states in the relationship of the parties that XXXX XXXX XXXX is not a lender, but a payment processor for XXXX XXXX XXXX. This contract is voided by the breach of contract from XXXX XXXX XXXX leaving them with no legal right to continue collecting payment. 
Now, XXXX XXXX XXXX seems to have sold this " debt '' to a collections agency " Tek Collect ''. this company has been calling me and sending me emails almost every day trying to get me to pay for what this think i " owe ''. 
This company first reached out to me on XX/XX/XXXX, however, even after requested, they haven't sent me a letter in the mail with information validation this " debt ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I did pay the owned amount to XXXX XXXX XXXX  through personal check. I did contact XXXX XXXX  management and they mention that a new Community Ownership took over so they don't have records of any debt back in XXXX, since I did pay the owned amount and I did not have any standing balance to this community and/or they are not able to currently prof any XXXX on my name, I have requested NCS to delete this account and not just mark it as " paid ', also I have requested National Credit System a letter that instructs the credit bureau to delete this account from their records as they don't state any up-to-date kind of prof for keeping me in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-01 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below you will find each inaccurate/erroneous creditor name, account number, date opened, and balance. Please remove the following items from my credit report, immediately : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$870.00} Transunion Equifax XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} Transunion Experian Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$610.00} {$610.00} Transunion Equifax XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$8100.00} {$8100.00} {$8100.00} Transunion Experian Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} Experian XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$830.00} {$830.00} Experian Equifax XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} Experian XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$880.00} {$880.00} Experian Equifax

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 2025-04-01 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: IA

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 2025-04-01 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-04-01 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below you will find each inaccurate/erroneous creditor name, account number, date opened, and balance. Please remove the following items from my credit report, immediately : XXXX. ) XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$470.00} {$470.00} {$470.00} Transunion Experian Equifax XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$45.00} {$45.00} {$45.00} Transunion Experian Equifax XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$4300.00} Equifax XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} Transunion Experian Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Equifax XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5300.00} {$5300.00} {$5300.00} Transunion Experian Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2200.00} {$2200.00} {$2200.00} Transunion Experian Equifax

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
On XX/XX/year> I purchased an internet extender from XXXX XXXX through XXXX XXXX XXXX. The purchase price was {$240.00} but with fees and top the charged amount was {$300.00}. I realized I did not need the extender so I returned it on XX/XX/year> to XXXX XXXX. They said they would refund my card and gave me a receipt. I realized the card number that was on the receipt ( the few digits it shows ) was not mine. I asked them since I purchased through XXXX XXXX and was told it could be a virtual card number. I never received a refund and spoke to XXXX XXXX again on the phone and was told it would have been refunded to XXXX XXXX. I called XXXX XXXX and they hung up on me and then sent a notification saying my refund request was denied. I have since filed at least XXXX disputes with Apple and all are denied. I have provided the proof that the item was returned with the card number on it ( a few of the digits ) and each time the dispute was put in incorrectly as I was not happy with the item purchased or something like that and denied. Its been a year now that this has been going on. XXXX XXXX received my money from my Apple Card and the refund from XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
They are reporting inaccurate information as well as placing collections on my credit report When I contacted said collection agency they didnt provide me with any information that I inquired about about and refused to remove collection off of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: LEXISNEXIS
State: IL

Complaint narrative:
i sent letter on XXXX XXXX asking them to remove inaccurate information on my report. i ask them to send proof. still have not received anything nor have it been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a bill for {$53.00} of which {$26.00} was a previous balance and the late fee was {$26.00} with interest charged of {$.00}. With the destruction of USPS under Trump 's appointee XXXX XXXX XXXX, this XXXX  has had great difficulty with the forwarding of mail. I did call, the fee was rescinded BUT the fee was excessive to the nth degree and some poor individual would probably pay it. There should be some punishment for Kohl 's Capital One card for even doing this. 

This is similar to XXXX expecting me to pay in excess of {$1400.00} for previous renters ' bills for internet service on a property I bought and tore down. How and why do they get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
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 explanation
Consumer complaint received 2025-04-01 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: AZ

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