vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HOME BANCSHARES, INC.
State: FL

Complaint narrative:
I was informed that my account can not be overdrafted, but it was many times and I just paid it but the last time was an outrageous amount it was over {$200.00} it was for a payment that was deducted out of my account through deposit information, but the company never received the money theyre claiming I still owe it and now the bank is saying I owe that amount of money and all the extra for overdraft fees, I let the account close and be charged off, cause Im not paying for that when I shouldve never been able to overdraft to begin with. The entire transaction shouldve been stopped.

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 2025-03-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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 XXXXXX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-17 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: MI

Complaint narrative:
I am filing a complaint against Equifax, TransUnion, and XXXX XXXX  for failing to correct inaccurate and unverified information on my credit report, despite multiple disputes sent via certified mail. Equifax has refused to remove an unverified bankruptcy, while TransUnion has only partially removed it without proper verification. XXXX XXXX  is falsely reporting an account under my legal married name, XXXX XXXX XXXX, when it was never opened under this name, making their reporting fraudulent. None of these entities have provided legally valid proof to support their reporting, violating 15 USC 1681i ( a ) ( 5 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( A ). I demand immediate intervention to have these inaccuracies removed as they are causing financial harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: WA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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 XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-17 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: LA

Complaint narrative:
I am writing to express my concern regarding my recent credit report, and to request your prompt attention to some issues related to a dispute I filed with your agency. This account was agreed to pay to delete. The creditor did not properly handle the account accurately. Please delete Account from my reports. Upon reviewing my credit reports, I have found that certain items have not been properly handled in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I believe these matters require immediate attention. As a consumer reporting agency, Experian XXXX and XXXX is required under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide a written notice of the results of the reinvestigation within five business days after completing the investigation ( 15 U.S.C.

1681i ( a ) ( 6 ) ( A ) ). Unfortunately, it appears that this process was not fully followed in my case I believe the following legal obligations have been violated : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to properly investigate disputes regarding hard inquiries ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) As a result, I respectfully request that you review the following items and, if applicable, remove them from my credit report, as they do not meet the requirements for accuracy and completeness under the FCRA.

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 2025-03-17 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: LA

Complaint narrative:
I am writing to express my concern regarding my recent credit report, and to request your prompt attention to some issues related to a dispute I filed with your agency. This account was agreed to pay to delete. The creditor did not properly handle the account accurately. Please delete Account from my reports. Upon reviewing my credit reports, I have found that certain items have not been properly handled in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I believe these matters require immediate attention. As a consumer reporting agency, XXXX XXXX and Equifax is required under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide a written notice of the results of the reinvestigation within five business days after completing the investigation ( 15 U.S.C.

1681i ( a ) ( 6 ) ( A ) ). Unfortunately, it appears that this process was not fully followed in my case I believe the following legal obligations have been violated : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to properly investigate disputes regarding hard inquiries ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) As a result, I respectfully request that you review the following items and, if applicable, remove them from my credit report, as they do not meet the requirements for accuracy and completeness under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/2025, XXXX XXXX directed his team from XXXX  XXXX XXXX XXXX to gain access to multiple systems within the Department of Education, including financial aid datasets that contain personal information of millions of students enrolled in the federal student loan program. My information is among those.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
XXXX, XXXX HAS PURCHASED THIS FRAUD ACCOUNT FROM CROWN ASSET MANAGEMENT AND CROWN PURCHASED IT FROM XXXX XXXX XXXX COMPANY. MY REPRESENTATIVE HAS WRITTEN LETTERS TO ALL COMPANIES AND EVERYTIME THAT I WRITE TO THE COMPANY THAT HAS IT, WILL SELL IT TO ANOTHER COLLECTION COMPANY. THIS DEBT IS NOT MY DEBT. I KNOW NOTHING OF THIS DEBT. 
I AM XXXX XXXX XXXX AND I HAVE BEEN DEALING WITH THIS ACCOUNT FOR OVER SIX YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: VA

Complaint narrative:
XXXX XXXX forward flow agreement ask a debt collector for that and also a chain assignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: United PanAm Financial Corp.
State: VA

Complaint narrative:
XXXX XXXX forward flow agreement ask a debt collector for that and also a chain assignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: DISCOVER BANK
State: VA

Complaint narrative:
XXXX XXXX forward flow agreement ask a debt collector for that and also a chain assignment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX BALANCED {$5800.00} XXXX XXXX BALANCED {$13000.00} XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/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 explanation
Consumer complaint received 2025-03-17 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 non-monetary relief
Consumer complaint received 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by TransUnion To Whom It May Concern, I am submitting this complaint regarding inaccurate information on my credit report provided by TransUnion. These errors remain unresolved despite my efforts to address them directly with TransUnion : 1. XXXX XXXX  XXXX - TransUnion 's report includes conflicting balances compared to XXXX and XXXX, violating FCRA standards for accuracy and verifiability [ Section XXXX ( a ) ( XXXX ) ]. 

2. XXXX XXXX XXXX XXXX TransUnion lists the original lender as " XXXX XXXX XXXX XXXX XXXX inconsistent with XXXX 's report of " XXXX XXXX XXXX XXXX XXXX This discrepancy breaches the FCRA 's accuracy requirements. 

3. **Bankruptcy Filing on XX/XX/XXXX, XXXX - TransUnion reported incomplete information, including Case ID ( # XXXX ) and a status of " Date Paid : XX/XX/year>, '' which is not aligned with XXXX or XXXX records. Furthermore, the responsibility field is blank, adding to the inconsistencies. 

Thank you for your 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 2025-03-17 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-17 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: FL

Complaint narrative:
The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX : {$24000.00}

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 2025-03-17 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: FL

Complaint narrative:
The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX : {$24000.00}

Company response to consumer: Closed with non-monetary relief