vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. XXXX  Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. XXXX  LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXXXX 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 2025-05-01 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: NV

Complaint narrative:
I did their pre-qualification application, that said it was not a hard inquiry. Then I got a message on my credit saying there was a hard inquiry on my account. I did a pre-qualification form online. I did not do a final approval application. And I was told unless I was approved, it would not be a hard pull because the do a soft inquiry.

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 2025-05-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On my credit report, there is a fraudulent account reported by XXXX XXXX, with an open date of XXXX XXXX, 2018. I did not open, authorize, or have any involvement with this account. This account was created as a result of identity theft, likely due to a data breach involving my personal information.

After disputing the account with the credit reporting agencies, it was previously removed from my credit file. However, the account was later reinserted without proper notice or explanation. This reappearance of a known fraudulent account is unacceptable and continues to harm my credit profile.

I have already filed an FTC Identity Theft Report and submitted disputes to the credit bureaus in accordance with FCRA 605B. I am now requesting that this fraudulent account be permanently blocked and removed from my credit reports with XXXX, Equifax, and XXXX, and that it not be reinserted again.

I am submitting this CFPB complaint to ensure that appropriate and permanent corrective action is taken by XXXX and the credit bureaus in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Diversified Adjustment Service, Inc.
State: UT

Complaint narrative:
I am writing to file a former complaint against diversified ADJ services for violations of the fair debt collection practices Act ( FDCPA ) and the Fair Credit report Act ( FCRA ). By attempting to collect a debt that I do not owe, and failing to provide proper validation despite my written request. I have reason to believe that this debt is inaccurate, unverified, or entirely false. In response I exercised my rights under the ( FDCPA ) 15 u.s.c 1692 g ( b ), and sent a written request for debt validation.

To this date diversified ADJ services has failed to provide any proper validation of the alleged debt. Despite this failure they have : 1. Continue collection efforts and violation of FDCPA 809 ( B ).

2. Reported the unverified that to one or more credit reporting agencies, and violation of FCRA 623 ( A ) ( 1 ). Which prohibits furnishing information known to be inaccurate.

This conduct not only disregards my consumer rights, but also causes serious harm to my credit profile and peace of mind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I previously submitted a dispute regarding inaccurate and outdated personal information on my credit report. While I appreciate that some corrections have been made, there is still information that remains incorrect or incomplete.

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 2025-05-01 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
On XX/XX/year> my student loan account showed interest was accruing when it SHOULD NOT be under the SAVE plan. I inquired with Nelnet via email. That same day I received a response I apologize for any inconvenience this may have caused. After reviewing your account, it appears that interest might still be accruing. We are aware of this issue and working to make an adjustment. We expect this to be updated in XXXX. Today, XX/XX/year>, my student loans are still showing interest accruing. I have not received any follow up regarding this issue, no corrections have been made to my account, and my balance continues to go up. I should not have to pay more because of this error and this should have been promptly corrected months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
It has come to my attention that my personal information was compromised in a national data breach, as outlined in the attached National Data Breach ( NDP ) report. Following this breach, I reviewed my credit reports and discovered several accounts that I do not recognize and did not authorize. 

In response, I contacted the credit reporting agencies ( CRAs ) and formally requested validation of these accounts. However, to date, I have not received any documentation or verification supporting the legitimacy of the debts in question. 

Given the exposure of my personal information and the appearance of unfamiliar accounts, I have filed an identity theft report with the Federal Trade Commission ( FTC ), a copy of which is included with this submission. 

Attached to this complaint are the following documents : A copy of my government-issued ID The FTC Identity Theft Report The NDP report indicating my information was compromised in a national data breach I am requesting the CFPBs assistance in ensuring the removal of these unauthorized accounts and holding the credit reporting agencies accountable for their lack of response to my validation request.

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 2025-05-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MA

Complaint narrative:
I am filing this complaint against Self Financial / Lead Bank for false and damaging credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 data standards, and Massachusetts consumer protection law ( Chapter 93A ). 

They are currently reporting a secured credit card account ( opened XX/XX/XXXX ) with a balance of {$140.00} against a {$100.00} limitreflecting 145 % credit utilization. This is being reported across all three credit bureaus and has caused material credit score damage. 

Additionally, they are reporting the account as 30 days past due as of XX/XX/XXXX, despite the last payment being made in XX/XX/XXXX. This reflects a failure to accurately update payment history and violates XXXX XXXX and FCRA 1681s-2 ( b ). 

I sent a formal Chapter XXXX demand letter to Self Financial on XX/XX/XXXX, which is attached here along with my credit report showing the harmful tradeline. 

I am requesting immediate correction of these errors, compensation for damages, and a resolution that reflects the economic and emotional harm caused by these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-05-01 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: TX

Complaint narrative:
In XX/XX/year> I paid my capital one credit card in full by the due date and didn't use it again, In XXXX the over charged me with interest rates that was the only charge in my account. I called asking for the fee to be waived and the said no. I paid it In XXXX they gave me a credit for the amount I paid. They are stealing money and making incorrect billing charges. and refusing to correct them,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
The reason why I am disputing these accounts is because the information does not comply with the standards outlined in the FCRA. The company name is Transunion. The amount is {$30000.00}. The date is XX/XX/year>.

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 2025-05-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
On XX/XX/XXXX, I initiated closing my CD and made a withdrawal request via wire transfer to XXXX XXXX, fully complying with all required identity verification procedures. Despite completing these steps, Marcus failed to process the transfer. Over several days and repeated follow-ups, I remained unable to access my own funds, which directly caused me to miss valuable investment opportunities. This lack of accountability and efficiency is utterly unacceptable. 

On XX/XX/XXXX, a three-way call was conducted between Marcus and XXXX representatives XXXX reconfirm my identity and transaction details. During this call, I was explicitly assured that the funds would be deposited within 23 days. However, Marcus failed to fulfill this commitment. 

By XX/XX/XXXX, after yet another follow-up, I was informed of a supposed delay due to incomplete address verification, despite the fact that my address had already been confirmed during the three-way call on XX/XX/XXXX. Once again, XXXX made assurances that the funds would be transferred within 12 days, which were never honored. 

On XX/XX/XXXX, instead of receiving my funds, I was notified via email that my CD had been automatically renewed for another year, exceeding the XXXX grace period. This renewal was done without my consent and at a lower interest ratean egregious violation of trust and financial responsibility. 

On XX/XX/XXXX, after yet another follow-up call, I was told that Marcus would waive the early termination fee for the unauthorized CD renewal and release the funds to XXXX within XXXX business days. However, as of XX/XX/XXXX, no funds had been transferred. 

When I called again on XX/XX/XXXX, I was falsely informed that XXXX had rejected the transfer due to a lack of affiliation with Marcus. Marcus then claimed that the issue lay with XXXX. 

Marcuss behaviordeliberately delaying transactions, providing misleading information, failing to complete the transfer, and engaging in the unauthorized renewal of my CDdemonstrates a disturbing pattern of incompetence, dishonesty, and disregard for its legal and ethical obligations. 

The actions of Marcus constitute a serious breach of financial responsibility and may violate consumer protection laws regarding unauthorized account renewals and the wrongful denial of access to funds. 

As of today XX/XX/year>, I have not received the fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MI

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