vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have asked the 3 different credit bureaus to verify information that I have labeled as inaccurate and I have not been sent any verification info or info in general showing that this the account from XXXX XXXX is owed by me or my responsibility to pay and I have been disputing this information or the past 3 months

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have asked the 3 different credit bureaus to verify information that I have labeled as inaccurate and I have not been sent any verification info or info in general showing that this the account from XXXX XXXX is owed by me or my responsibility to pay and I have been disputing this information or the past 3 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I found incorrect details about some accounts that are causing my score to drop unnecessarily.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This closed collection does not show the amount owed, balance or any payment history .experian told me that that information did not have to be correct I have ask them several times to remove it from my report if because it's factually inaccurate

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 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc
State: WA

Complaint narrative:
XX/XX/XXXX : I went to XXXX XXXX XXXX XXXX XXXX XXXX, and was evaluated by XXXX XXXXXXXX XXXX 

I paid the full amount of my hospital bill through hospital 's XXXX XXXX when they sent the bill to my address. 

XX/XX/XXXX : I received a call from Puget Sound Collection about a debt amount of {$730.00} billed by XXXX XXXX XXXX. They stated that if I do not pay this amount it will have a bad effect on my credit.

I reached out to XXXX XXXX XXXX about this bill, they said that the XXXX XXXX bill is separate. Even though I did not receive any paper bill sent to my address before XX/XX/XXXX from the ER physician and have been given no chance to dispute the bill on time.

I called the physician 's office, they said the bill was sent to another place which wasn't my address at the time. However, they already sent that bill to the Puget Sound Collection so the physician 's office will not in charge of the bill anymore. Note : I did not consent for any of my information to be disclosed to a third party in this case, and my information has been sent to the Puget Sound Collection without my consent. 

XX/XX/XXXX : Puget Sound Collection gave my insurance information to provider XXXX XXXXXXXX XXXX XXXX XXXX so they could bill XXXX to pay for the bill. 

XX/XX/XXXX : I called Puget Sound Collection since I haven't heard from them for a while about this case. I found out that on XX/XX/XXXX : XXXX declined the claim from the physician 's office. And now, as Puget Sound Collection stated I owe XXXX dollars billed from XXXX XXXX XXXX, plus XXXX dollars from interest compound over the years to Puget Sound Collection.

According to the Physician 's office, this bill was for an out-of-

network Emergency Provider. Plus, this bill was never reach the patient 's address until the full amount was disclosed by a third-party collection. Comprehensive and clear communication about potential out-of-network charges should have been provided upfront. However, the patient is protected by the No Surprise Act, which went into effect on 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 2025-01-08 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: TN

Complaint narrative:
Hello, I am writing to urgently inform you that my personal information has been compromised in a recent national data breach. Upon reviewing my credit reports, I discovered several unfamiliar accounts that appear to be associated with my name. In response, I have requested debt validation from the credit reporting agency, but to date, they have not provided the necessary information.

As my personal data has been exposed, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding the unfamiliar accounts.

For your reference, I have attached the following documents : A copy of my ID The FTC complaint detailing the fraudulent activity A National Data Protection ( NPD ) rep
ort confirming the breach

of my personal information The debt validation request letter I request your immediate attention to this matter and look forward to your prompt response. Thank you for your understanding and cooperation.

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 2025-01-08 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: CO

Complaint narrative:
I paid off a loan from XXXX XXXX on XX/XX/year> I have receipts and now Trans Union and XXXX XXXX still say my loan is still active and I havent paid it. Ive been denied additional financial assistance because a creditor report shows that its delinquent in trans union and XXXX  and XXXX XXXX and XXXX XXXX. Ive disputed this on email and ohone and now and keep getting noticed that I still have an account balance. it says that my information is inaccurate. I have receipts showing that I paid off {$23000.00} to XXXX XXXX and its still showing up after my disputes. The account is now showing delinquent and its now lowered my score. Its been 2 months.

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 2025-01-08 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: CO

Complaint narrative:
I paid off a loan from XXXX XXXX on XX/XX/2024 I have receipts and now XXXX XXXX and XXXX XXXX still say my loan is still active and I havent paid it. Ive been denied additional financial assistance because a creditor report shows that its delinquent in XXXX XXXX and experience and need wallet and XXXX XXXX. Ive disputed this on email and ohone and now and keep getting noticed that I still have an account balance. it says that my information is inaccurate. I have receipts showing that I paid off {$23000.00} to happy money and its still showing up after my disputes. The account is now showing delinquent and its now lowered my score. Its been 2 months.

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 2025-01-08 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: NJ

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXXXXXX

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I checked my credit report this morning, I was shocked to find accounts that dont belong to me, and I cant figure out how they got there. Ive been regularly monitoring my credit report, but this time, there are errors that appeared out of nowhere. I even refreshed my browser, hoping it might be a glitch, but the incorrect accounts stayed. Im pleading for the documents Ive sent to be reviewed carefully so I can stop living with this constant fear and confusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that i do not recognize.

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 2025-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that i do not recognize.

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
Spoke with live representative, at XXXX XXXX XXXX dealers after taken my personal information to consume credit check I got a call back by a different agency stating I wasn't approved do to my immigration back ground wasn't correct and my social didn't appear to be mines they was rule and very unprofessional. And she said she couldn't give me any additional call my credit agent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MD

Complaint narrative:
I have been a victim of identity theft. I filed a formal report with the FTC. I provided the complaint and request to Experian, they refused to take the complaint at first. Then I had to go to a their website and upload documents to their site and wait for them to process it, exceeding the 4 day term they are allowed. Then tney followed up with an email stating they aren't going to except the complaint. Both XXXX and XXXX have excepted the paper work and removed the information from my report. When I called today they refused to answer any questions, or give me someone who understood the situation or what I was asking. The rep told me they were not in the XXXX so I asked ot be transfered to someone in the XXXX and they told me they aren't able to do that.

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX [ XXXX, SC, XXXX Exeter XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX am writing to formally request that you review my account [ XXXX ] under the provisions of the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1665, as it pertains to the reporting of late payments on my auto loan. I believe that discrepancies or errors in the reporting and application of my payments may have resulted in unjust late fees and negative reporting on my credit history.

The Truth in Lending Act requires that lenders provide accurate and clear disclosures of loan terms, including the correct application of payments and any associated penalties. If any errors or violations of TILA have occurred in the reporting of late payments or in how payments were processed, I respectfully request that these discrepancies be investigated and corrected immediately.

If there has been any failure to comply with TILA 's disclosure requirements, or if payments were applied incorrectly, I am requesting that any late payments reported be removed, and my account be updated to reflect the correct status.

Please provide a full review of my account, and if any errors are found, kindly issue the necessary corrections. Additionally, I would appreciate a written response confirming the actions taken to resolve this matter, along with any adjustments made to my account and credit report.

Thank you for your prompt attention to this matter. I look forward to your response and to a timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
I am deeply frustrated and overwhelmed by the presence of unauthorized items on my credit report, which are a result of fraudulent use of my personal information. I have never benefited from these transactions, and yet I am left dealing with the repercussions. Taking this matter seriously, I filed a report with the Federal Trade Commission, believing it would lead to a swift resolution. However, despite following all the recommended steps, these fraudulent items still remain on my credit report. This ongoing issue is causing significant XXXX and negatively affecting my financial well-being. It is unacceptable that these unauthorized entries continue to harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America shows a balance assist loan 60 days late then written off. It was written off prematurely and was paid prior to 90 days. I remained in contact and since I have direct deposit the repayment was guaranteed within the timeframe. It's false to report the as charged-off. A class action suit should be filed against Bank of America if they have done this to other customers.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit report that I did not benefit from. I was a victim of the XXXX  Equifax data breach, and have had someone hack my bank account information as well. I also have a collections account from a fraudulent car lot/loan company, who sold me a bad vehicle that I gave to a friend, who did not properly sign paperwork or assume payments, leaving a bad debt in my name. I need this fraudulent account removed from my name immediately, or I will sue for civil action against the person and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
Complaint Regarding Mishandling of Dispute and Unauthorized Rebilling To Whom It May Concern, I am filing this complaint against Apple Card, issued by Goldman Sachs Bank, for their failure to properly resolve my dispute within the required timeframe and for rebilling the disputed amount without resolution. 

Details of the Complaint : XXXX. Dispute Information : Dispute Case Number : XXXX Transaction Date : XX/XX/XXXX Merchant Name : Temu.com Disputed Amount : {$18.00} XXXX. Failure to Resolve Within XXXX Days : I initiated the dispute with Apple Card for an unauthorized transaction with XXXX Despite providing the necessary information, Apple Card failed to resolve the dispute within the XXXX timeframe as required by the Fair Credit Billing Act ( XXXX ). 
XXXX. Unauthorized Rebilling : On XX/XX/XXXX, the disputed amount of {$18.00} was rebilled to my account, even though the dispute remains unresolved. This action violates consumer protection laws and disregards my rights under the XXXX. 
XXXX. Lack of Transparency : Throughout the process, I received little to no communication from Apple Card regarding the status of my dispute. Reaching out to their customer service team did not result in a satisfactory explanation or resolution. 

Impact on Me : This mishandling of my dispute has caused financial inconvenience and stress, as well as a potential impact on my credit. 

Requested Resolution : XXXX. Immediately reverse the rebilled amount of {$18.00} and remove any associated fees or interest. 
XXXX. Provide a clear and detailed explanation for the delay and mishandling of my dispute. 
XXXX. Ensure compliance with dispute resolution timelines and transparency to prevent similar issues for other customers. 

I respectfully request the CFPB and XXXX to investigate this matter and hold Goldman Sachs Bank accountable for its failure to meet regulatory requirements and provide adequate customer support. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian requires a membership in order to freeze or thaw credit reports. Once a membership is created, they will not let you unsubscribe from email solicitations & do not include an unsubscribe button in any emails. After onerous digging on their website ( https : //www.experian.com/privacy/opting_out_email ), Experian claims to let you unsubscribe but refuses to comply after unsubscribe emails are send. You can not remove your membership or these emails without unlocking your credit report. They do not honor even mailed requests to be removed from emails. Experian seems to be abusing the law & forcing these alert emails, which are just thinly veiled spam emails. I want an option that allows me to exercise the right to protect my credit report without getting spam emails.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
EverBank take over of TIAA Bank. Unilaterally changed credit card processing, access, issuance, etc. Apparently bank does not want deal with credit cards.

1. Changed access to the card account ; 2. New access will not allow me to create an account ; 3. Cancelled by existing card valid and fully funded without notification ; 4. Issued new card and assigned charges to it without me having card or activating it ; 5. Cancelled old card for on going services with no notification, i.e. cancelled my internet provider charges without notification or without me having new replacement card ; 6. No support service could or would resolve these issues. Everbank does no want to be in the credit card business or service it.

Company response to consumer: Closed with explanation