vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 explanation
Consumer complaint received 2025-05-08 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-08 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: WA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-08 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: OH

Complaint narrative:
This is a follow up on a recent complaint # XXXX ; Please provide me with method of verification on how this account was verified. 

XXXX XXXX PLEASE PROVIDE ME THE NAMES AND ADDRESS OF THE PEOPLE YOU CONTACTED ABOUT THIS ACCOUNT. 

IF YOU CAN NOT PROVIDE ME THIS INFORMATION PLEASE DELETE THIS ACCOUNT IMMEDIATELY

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 2025-05-08 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: GA

Complaint narrative:
I am writing to formally dispute and seek correction of a negative mark on my credit report, which appears to be the result of a medical bill that was never supposed to impact my XXXX XXXX XXXX XXXX account. I believe the reporting of this item may violate several consumer protection laws, including : XXXX. Fair Credit Reporting Act ( XXXX  ) Under the FCRA, credit bureaus are required to ensure the accuracy and completeness of the information they report. If a medical bill was inaccurately or prematurely reported as delinquent, or if the reporting occurred without proper investigation, this may constitute a violation of the FCRA. 
XXXX. No Surprises Act/ CARES Act Guidelines Recent regulations and policies, including changes under the No Surprises Act and credit reporting reforms by the major bureaus, limit how and when unpaid medical debt can appear on credit reports. In many cases, medical debts must be at least XXXX  days delinquent before they are reported, and paid or settled medical debt should be removed. If these timelines or conditions were not followed, that may be another violation. 
XXXX. Fair Debt Collection Practices Act ( XXXX  ) If any third-party debt XXXX were involved in the medical debt and they misrepresented the nature or legal status of the debt, or if they failed to validate the debt upon request, this would violate the FDCPA. Additionally, the presence of this negative item has had an unfair adverse impact on my XXXX XXXX account, which I have otherwise managed responsibly. I never authorized or expected my account with XXXX XXXX to be affected by a medical billing issue, especially XXXX that may  have been reported in error or prematurely. I respectfully request a full investigation and removal of any inaccurate information related to this issue from my credit report. Please provide written confirmation of your findings and any actions taken.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently obtained a copy of my credit report and identified several inaccuracies, including unauthorized accounts and information. These errors have negatively impacted both my credit standing and overall financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I recently obtained a copy of my credit report and identified several inaccuracies, including unauthorized accounts and information. These errors have negatively impacted both my credit standing and overall financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO cancelled my account. I have excellent credit and I have never had a late payment. I was with Bank of the West and finished paying my credit offer when BMO took over. The letter they sent said they review " relationships that don't fit in with their requirements ''. I made small purchases here and there so I assume I didn't make steep enough purchases to " suit their requirements ''. THEN I noticed I had rewards. Very small but my rewards money never the less. The amount was {$4.00}. When I called I was told by a supervisor that they can not return the money if it's less than {$15.00} as their computers won't allow that. I asked them to write me a check. They won't. Bottom line is this. It was closed for whatever reason they decided and as they didn't specify, I want my money back. The fact that they close your account on their whims is fine but they steal your money by keeping your rewards. I want my money. It's rightfully mine.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Monterey Financial continues to report on a loan I have disputed this multiple times with no resolve. It is stated that we made NO payments to the original loan so they are trying to recoup the entire amount plus fees and they state that the account was open much sooner that the 2018 when the account was actually open. There are multiple issues here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am formally disputing the reporting of late payments on my XXXX auto loan, account ending in XXXX XXXX 

This account has been paid off in full, and I maintain that I was never late on this account. The payment history shown is inaccurate and misrepresents my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I request full verification of the payment history and supporting documentation showing any alleged delinquency, including : A complete payment ledger from XXXX The original contract A written record of any alleged missed payments If you can not provide documentation verifying the accuracy of this derogatory information within 30 days, I request that all late payments be deleted immediately and the account be updated to reflect a positive payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am formally disputing the reporting of late payments on my XXXX auto loan, account ending in XXXX XXXX 

This account has been paid off in full, and I maintain that I was never late on this account. The payment history shown is inaccurate and misrepresents my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I request full verification of the payment history and supporting documentation showing any alleged delinquency, including : A complete payment ledger from XXXX The original contract A written record of any alleged missed payments If you can not provide documentation verifying the accuracy of this derogatory information within 30 days, I request that all late payments be deleted immediately and the account be updated to reflect a positive payment history.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Recently I reviewed my consumer report and noticed accounts that are not verified accounts on my consumer report.

15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumer. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grace responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Inaccurate information on my consumer report is unfair to me. It's ruining my reputation and causing me mental stress. As well as hindering my ability to get the extended credit that ; XXXX XXXX given right to me. 

15 UCS 1681b Permissible purposes pf consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Furnishing information on my consumer report without my permissible purpose ( consent ) is also identity theft. I haven't granted EQUIFAX nor any other person/s to furnish anything. Breach of my privacy. 

FCRA states any person that willfully, and knowingly breaks the law will be held accountable to consumer pursuant 15 USC 1681n 15 USC 1681c-2 Block information resulting from identity theft ( a ) Block- Expect as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date by such agency of- ( 1 ) Appropriate proof of identity of the consumer ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information relating to any transaction by the consumer. 

NEGATIVE ACCOUNT FURNISHED : XXXX XXXX DEPT OF ED FTC report has already been filed, I don't want to take legal action. However ; If my hand is forced I have no other choice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
please help me remove the frauudelnt accounts that are frauudelntly reporting on my credit file. I am a victim of identity fraud XXXX these are accounts are showing up only credit profile XXXX  hurting me. please remove XXXX block these address that I am reporting XXXX you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts from my credit report without delay. I did not authorize or initiate these accounts and do not recognize them. As outlined under USC 1681g, I am formally requesting their removal within 15 days. I have attached the relevant documentation for your examination. Furthermore, the account details reported to each bureau are inconsistent and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: WI

Complaint narrative:
Recently I reviewed my consumer report and noticed accounts that are not verified accounts on my consumer report.

15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumer. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grace responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Inaccurate information on my consumer report is unfair to me. It's ruining my reputation and causing me mental stress. As well as hindering my ability to get the extended credit that ; XXXX XXXX given right to me. 

15 UCS 1681b Permissible purposes pf consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Furnishing information on my consumer report without my permissible purpose ( consent ) is also identity theft. I haven't granted TRANSUNION nor any other person/s to furnish anything. Breach of my privacy. 

FCRA states any person that willfully, and knowingly breaks the law will be held accountable to consumer pursuant 15 USC 1681n 15 USC 1681c-2 Block information resulting from identity theft ( a ) Block- Expect as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date by such agency of- ( 1 ) Appropriate proof of identity of the consumer ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information relating to any transaction by the consumer. 

NEGATIVE ACCOUNT FURNISHED : XXXX XXXX XXXX XXXX XXXX XXXX FTC report has already been filed, I don't want to take legal action. However ; If my hand is forced I have no other choice.

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 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I was notified via XXXX XXXX  ( my primary bank ), that my credit report noted that an account was opened at Target in XXXX. I then received a bill in the mail confirming reciept of the account ( XXXX XXXX ). After mulitple attempts to contact Target, I was successfully able to verify the account was fraudulant and closed the account ( XXXX ). The ticket reciept of closure is : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NC

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 2025-05-08 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am submitting this report with the FTC due to unauthorized accounts with my credit report. The accounts mentioned XXXX XXXX I did not authorized, XXXX XXXX  I did not authorized, XXXX I did not authorized. I have disputed these item and the creditors failed to act or provide proof. I am now demanding for these items to be removed due to identity theft. As my rights due to FCRA I NEED ANWERS!

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 2025-05-08 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: WI

Complaint narrative:
I am submitting this report with the FTC due to unauthorized accounts with my credit report. The accounts mentioned XXXX XXXX I did not authorized, XXXX XXXX  I did not authorized, XXXX I did not authorized. I have disputed these item and the creditors failed to act or provide proof. I am now demanding for these items to be removed due to identity theft. As my rights due to FCRA I NEED ANWERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-08 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MN

Complaint narrative:
Cash app in 2022 of XXXX they locked me out of my account. They wouldnt let me get in with my name tag. They kept the money that I had in my account and never let me get back into the account. There was no like customer service for me to be able to call And there was like weird transactions on my cash app account missing money transactions. I couldnt explain then I got locked out and it was added to my debit card so they were still withdrawing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation