vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
To name a few : these Accounts ( XXXX- last four digit of account XXXX, and XXXX XXXX - last four digit- XXXX ) violates Metro 2 by reporting both a charge-off status and past-due balance. Please update or remove in accordance with FCRA and Metro 2 guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I used to have a leasing with XXXX XXXX XXXX, I returned my vehicle on XX/XX/XXXX. When I left the vehicle on the dealership I was informed everything was ok, and nothing else was needed. 
On XX/XX/XXXX I saw a charge off on my credit report. When I got in touch with XXXX XXXX XXXX, they informed me that there was a {$490.00} open amount from my lease. I immediately payed that debit. The problem is that they never communicated me of such debit before issuing the charge off. I never got any letter, call or email. They have all my information up to date. 
I tried to reach them out and request a good will removal, they denied. 
This charge off is against my consumer rights, since they never communicate the debit to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
Ive been dealing with this for months and months and months and I dont think you guys are understanding what Im trying to explain here and what happened here youre saying the transaction was from my phone. Yes it was from my phone because my phone was stolen. it was money was on my current account then transferred to my XXXX account to be added to my XXXXXXXX XXXX and sent out to an unknown individual on XXXX XXXX that I have no history with no mutual friends with no no nothing with never even heard of the lady so after upon my dispute, I was denied. I reached out to the lady of the recipient of the XXXX XXXX on XXXX by XXXX search and asked her if she received these funds for me and she stated no her account has been hacked. Ive provided the proof of the conversations the police report the screenshots everything and then for XXXX XXXX to deny my claim so I go to current my bank where the funds were from they deny it. Its been denies it. I go to you guys. I reach out to everybody you make words and nobodys acknowledging the fact that I did not make this transaction. I need my money back. I need my money back then for you guys to use an excuse as the security feature lock is on. Thats funny because when I go into my settings in my XXXX XXXX its off never had it. I never had it off never made no decision as to whether I have control of that. I never turned it off never turn it on. I didnt even know about it then theres multiple logged in devices. I only have one device. I have emails saying my account was logged in from a new device. I have. Ive got every proof there could be in the book and I will attach everything I have to this thing and hopefully you can get resolved because Im tired of waiting. Its been months already. I need my money XXXXXXXX XXXX XXXX XXXX I live off that thats my financial aid to pay for daily living expenses and housing and I cant even do that because you guys are playing games with my money. Then for your current to say that the transaction doesnt exist the {$1500.00}. I can show you a screenshot of my account where it clearly shows it. Where do you think Im just making this up. I can show you that as it came from my current account stop lying to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
There is a collection on my XXXX  for MOUNTAIN LAND COLLECTIONS Last reported XXXXXXXX XXXX XXXX {$1000.00} Open balance MOUNTAIN LAND COLLECTIONS Original creditor I already paid this in full and it is a medical collection which isn't allow on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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.

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This account is constantly being open to charge me legally and have my credit score diminished. XXXX refuses to remove and update things that do not legally belong on my credit report. 


I CALLED XXXX TODAY AND THEY STATED THIS IS NOT CORRECT AND THAT XXXX ACCOUNTS ARE NOXXXX XXXX AND ALSO CLOSED I cant get a car or any other loan because they allow old issues to re open. 

I am submitting this formal complaint regarding false and inaccurate information being reported on my credit file by XXXX 

Despite my efforts to resolve this matter directly with XXXX the inaccurate information remains on my credit report. The details are as follows : Credit Bureau : XXXX Inaccurate Account Information : [ Briefly describe e.g., an account that is marked open but was closed, an account that doesnt belong to you, wrong payment history, etc. ] XXXX XXXX AND XXXX CONSTANT MONTHS I have previously contacted XXXX in writing to dispute this information, but the bureau has failed to properly investigate or correct the error. This false reporting is negatively affecting my credit standing and causing unnecessary hardship. 

I respectfully request the CFPB to investigate this matter and ensure that XXXX : 1. Conducts a proper reinvestigation of the disputed account ( s ), 2. Removes or corrects the inaccurate information as required by the Fair Credit Reporting Act ( FCRA ), and 3. Provides a written confirmation of the resolution. 

Enclosed are copies of my correspondence with XXXX and a recent copy of my credit report showing the false information. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I need assistance with Equifax problems. I had paid off my student loans. All credit bureaus have been updated automatically except Equifax. I have opened disputes with documented proofs sent to Equifax XXXX times in the past XXXX months! Every time they keep rejecting and incorrectly report my credit file. This has been causing me severe stress and agony. I cant apply for refinance of mortgage or take out any loan because their report keeps saying that accounts are still open whereas creditors have confirmed in writing that accounts have been closed satisfactorily with XXXX balances. In XXXX of the disputes, Equifax sent me a decision stating that yes both accounts have been closed but yet, they still refuse to update my credit reports still saying that accounts are still open. I am at my wits end. Equifax is not helping. Even today, I have been on call with them for almost XXXX hours but to no avail. Asked for XXXX multiple times to assist and they put me on hold and just disappear. I need to file law suit against Equifax, have my credit file cleared up and get compensation for all the agony they have been causing me and my family for over XXXX months. I gave them XXXX months to resolve this issue where they should have been taken care of this issue the first time in legal 30 days period but it has not worked at all for so long already. Need guidance and timely assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Re : Request for XXXX of XXXX under FCRA 611 ( 15 U.S.C. 1681i ) Dear XXXX I recently submitted a dispute concerning an item on my credit report that I believe is inaccurate. You responded by stating that the item was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ), I am now exercising my right under 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) to request a description of the procedure used to verify the disputed information. 
Please provide the following : XXXX. The name, address, and phone number of the entity that you contacted to verify the information. 
XXXX. A detailed description of the method and steps you used during your investigation. 
XXXX. Copies of any documents or communications used to verify the disputed information. 
The specific item I am referring to is : CAPITAL ONE BANK Account XXXX XXXX This is a formal request, and I expect your response within XXXX  days of receipt, as required by law. If you are unable to provide this information, I request that the account be removed from my credit report immediately. 
Please mail your response to the address listed above. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
This year in XXXX, I have discovered accounts that have been opened in my name without my consent or knowledge. This unauthorized activity is a direct violation of my privacy and the result of identity theft. These accounts must be BLOCKED and remove as soon as possible as they are negatively impacting my life and hurting my credit as well. The fraudulent accounts include : XXXXXXXX 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX XX/XX/year> my CD matured and I instructed USAA to disburse the funds ( {$100000.00} ) to my XXXX XXXX account ( account ending in XXXX ). After several days I checked and funds were not in XXXX nor was and reference to the CD in my USAA account. I received a document showing balance payment of XXXX to XXXX Bank, XXXX XXXX account # XXXX XXXX XXXX. 

I contacted USAA on XX/XX/year> and asked about the whereabouts of my money and was told they have to investigate it. 

I contacted USAA again on XX/XX/XXXX and spoke with XXXX and XXXX in XXXX XXXX who said they saw the wire transfer returned because they cant transfer to a brokerage account. They would open a dispute and try to resolve. I instructed them I need the money ASAP and that they should put the money into my USAA checking account. They said they could do that. A reference number XXXX was assigned. 

I checked daily for the funds and nothing appeared. On XX/XX/XXXX I called USAA again and after XXXX minutes I had to give the same information all over again as they cant find that anyone did anything on fixing. The contact name was XXXX in XXXX resolution. He completed document again and has no idea where money is. XXXX said he will file a formal complaint on our behalf also. He put in a request for call back to update us. 

its been XXXX weeks of lost interest, over XXXX hours on phones and no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
In XX/XX/XXXX, I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. I need they be BLOCKED. 
The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX opened in XXXX XXXX collection- opened in XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX inquiried on XXXX XXXX, XXXX XXXX inquiried on XX/XX/XXXX FACTUAL DATA inquiried on XX/XX/XXXX These items were added to my credit report without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
To Whom It May Concern : I am writing in response to Goldman Sachs Bank XXXX XX/XX/year>, communication regarding CFPB complaint filed in connection with my Apple Card account ( ending in XXXX ). While I appreciate the Banks correspondence, their response does not resolve the fundamental issue raised in my complaint. 

Despite repeated requests, Goldman Sachs has failed to provide : XXXX. A copy of a signed credit agreement or application bearing my wet or electronic signature that legally obligates me to the alleged debt. 
XXXX. A breakdown of the alleged {$12000.00} balance, showing exactly how the total was derived, including interest accruals, payment applications, and any applicable policies governing the charges. 
XXXX. Any legal validation beyond monthly billing statements, which do not constitute full proof of liability under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I spoke directly with a Goldman Sachs representative on XX/XX/year>, who confirmed they are unable to provide anything beyond billing statements and the generic Apple Card Customer Agreement. This is not sufficient validation to continue reporting this account as accurate and complete under FCRA 609 ( a ) ( 1 ) and related case law.

Furthermore, the Bank acknowledged my willingness to resolve this in good faith via a settlement, yet I received no further outreach and was told the Bank attempted to call once. I am still open to discussing a resolution and request that the Bank re-engage in good faith settlement negotiations in writing. 

Requested Relief : Immediate deletion of the Apple Card tradeline from all credit reporting agencies due to inability to provide sufficient debt validation documentation. 
Or, in the alternative, provide a clear settlement offer in writing with a mutual agreement to report the account as Paid in Full or Settled Account XXXX and cease negative reporting thereafter. 

I respectfully request the CFPBs continued oversight in holding Goldman Sachs accountable for their credit reporting practices and obligations under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief