vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: AL

Complaint narrative:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was in need of a loan, went online and was declined by one company.They then referred me to XXXX XXXX app which they said accepted all credit types and would help me build up my credit with an installment loan.They signed me up an I was told I was approved for a loan of $ XXXXThey only gave me {$75.00}, then said the remaining $ XXXXamount would be in a credit reserve account until I paid of the loan at {$49.00} for 12 months.They made no mention of membership fees at $ XXXXThey charged my bank account several times.When I asked to cancel the membership they said they would waive the fees Then today, they reported my account as past due, when it was current, causing my credit score todrop over XXXXpoints.When I asked them why they said my loan was current but my membership fees were not.I told them the membership fee is not a loan!! So why report that on my credit report, why the entire purpose was to build my credit score.I asked them to cancel my membership, refund and fees and cancel the loan I have already paid for.I am yet to hear from them This is predatory and fraud by a company representing itself as a credit repair app and loan company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Failure to Properly Investigate Disputes Formal Demand for Deletion of Inaccurate Accounts To Whom It May Concern, This letter serves as formal notice of Experians failure to perform reasonable investigations into my prior credit disputes as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. You are in ongoing violation of federal law, and I am demanding immediate deletion of the following inaccurate or unverifiable accounts as a result of your noncompliance. 

Despite my documented disputes, Experian has responded with boilerplate verbiage and so-called verifications that lack any factual or documentary support, in direct conflict with your obligations under the FCRA. The mere parroting of data from the furnisher does not constitute a legitimate investigation. 

Furthermore, I am fully aware of the lawsuit and consent order issued by the Consumer Financial Protection Bureau ( CFPB ) against Experian for deceptive practices, failing to correct credit report inaccuracies, and refusing to comply with proper dispute procedures. These same patterns of misconduct are clearly continuing in your handling of my file. 

The following accounts are being disputed as inaccurate, unverifiable, and/or illegally re-aged and must be removed immediately : XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$2100.00} I am requesting an immediate deletion of these tradelines due to : 1. Insufficient or non-existent investigation responses.

2. Inability to provide documentation proving the accounts are accurate and legally reported.

3. Violations of 15 U.S.C. 1681s-2 ( b ) and 1681i, requiring thorough reinvestigation.

4. Failure to comply with the CFPBs XXXX enforcement action regarding inadequate dispute resolution practices. 

Should Experian fail to respond with proper legal documentation for each disputed item within 30 days, I will file formal complaints with the CFPB, the FTC, and the Texas Attorney Generals Office, and I am prepared to retain counsel for legal remedies under FCRA 616 and 617, which allow for civil liability, actual damages, and punitive damages for willful noncompliance.

I expect your written response, including results of a real reinvestigation or removal of the accounts, within the legally mandated timeframe. 

Sincerely, 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 2025-04-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Failure to Properly Investigate Disputes Formal Demand for Deletion of Inaccurate Accounts To Whom It May Concern, This letter serves as formal notice of Experians failure to perform reasonable investigations into my prior credit disputes as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. You are in ongoing violation of federal law, and I am demanding immediate deletion of the following inaccurate or unverifiable accounts as a result of your noncompliance. 

Despite my documented disputes, Experian has responded with boilerplate verbiage and so-called verifications that lack any factual or documentary support, in direct conflict with your obligations under the FCRA. The mere parroting of data from the furnisher does not constitute a legitimate investigation. 

Furthermore, I am fully aware of the lawsuit and consent order issued by the Consumer Financial Protection Bureau ( CFPB ) against Experian for deceptive practices, failing to correct credit report inaccuracies, and refusing to comply with proper dispute procedures. These same patterns of misconduct are clearly continuing in your handling of my file. 

The following accounts are being disputed as inaccurate, unverifiable, and/or illegally re-aged and must be removed immediately : XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$2100.00} I am requesting an immediate deletion of these tradelines due to : 1. Insufficient or non-existent investigation responses.

2. Inability to provide documentation proving the accounts are accurate and legally reported.

3. Violations of 15 U.S.C. 1681s-2 ( b ) and 1681i, requiring thorough reinvestigation.

4. Failure to comply with the CFPBs XXXX enforcement action regarding inadequate dispute resolution practices. 

Should Experian fail to respond with proper legal documentation for each disputed item within 30 days, I will file formal complaints with the CFPB, the FTC, and the Texas Attorney Generals Office, and I am prepared to retain counsel for legal remedies under FCRA 616 and 617, which allow for civil liability, actual damages, and punitive damages for willful noncompliance.

I expect your written response, including results of a real reinvestigation or removal of the accounts, within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
In late XXXX I was struck by another motor vehicle, resulting in a total loss of the vehicle I was operating. The other operator was not an authorized driver on the policy of the motor vehicle which struck me. I purchased gap insurance with Capital One Auto Finance when I purchased the XXXX XXXX XXXX from XXXX XXXX XXXX. The valuation of the vehicle came back, and the Gap insurance was assured to cover ANY amount over the appraisal. Fast forward a month after the claim is settled and I have been contacted repeatedly by out of state phone representatives claiming to still owe over {$700.00} on this auto loan, and they refuse to acknowledge the GAP covering the remaining amount to satisfy the loan. Now, it has been written off, and sent to collection, for multiple collection agencies, all claiming different amounts from $ XXXX {$700.00}. I have reached out to these companies and Capital One repeatedly, which has resulted in no resolution and further spinning my credit situation into further despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MD

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my XXXX XXXX debt.

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 2025-04-24 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: MD

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my XXXX XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MD

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my XXXX XXXX debt.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have several issues and need all addressed by TransUnion : 1. Several weeks ago, I reported via chat that I am unable to view my credit report online. Previously it stated that my credit report could not be generated at that time and to try again later. Someone then called me and stated it has been fixed, and now it is completely blank ( see attached ). Yes, I have tried on different browsers and devices with cleared caches. I have a dispute open, but I have never had an issue viewing my latest credit report because of this. Please fix this and explain why it happened.

2. When I called today to resolve, the manager, " XXXX XXXX '', was extremely unhelpful. He stated that I should just " wait '' when he well knew that I should be able to view my last retrieved report. Please leave a complaint and clarify whether I should be able to raise technical tickets or issues by phone. I had no issue doing this by chat several weeks ago. 

3. There was a very rude chat rep, " XXXX '', whom I spoke with today where I sat in silence for over 10 min, learned he wasn't doing anything, and then he continued to ignore my questions and defend his behavior because he " had other chats ''. Sorry, but everyone knows this is completely unprofessional. I have no idea why TransUnion is hiring individuals who are so awful. I have never before had to leave complaints like this for a 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 non-monetary relief
Consumer complaint received 2025-04-24 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 am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX I filed a dispute with Chime bank for charges that weren't authorized on my account. This company has a " fraud '' alert that text your phone and ask if the transaction is you and no matter how many times I answered no they still allowed charges to my account and denied my dispute. The charges all come from what looks like XXXX but they have different names like " XXXX universe mast '? '' " XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' These charges repeat and aren't for a lot of money Starting XX/XX/year> until I got a new card XXXX. There was also a XXXX plus account being charged to my account and as I stated to the person on the line I have never had a XXXX plus account. I gave XXXX a call and they were able to verify that there has never been a XXXX XXXX account attached to my name or email address. When I asked for the process used to verify these charges were mines they told me i would be emailed and never received anything. These charges totaled over {$200.00}. I understand companies are using AI for a lot of things but a simple call to verify the XXXX charge and the amount of times I said no to the fraud text should have been sufficient evidence to a human but I'm sure AI matched the word XXXX because I do shop there and said the charges are valid. This is a very dangerous practice because how many other people are fighting with this company to protect their money because they clearly aren't. Their fraud checks and balances don't even work!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my 2nd complaint about a balance being shown on my credit report when I have already paid this. The credit bureaus have not updated this even though the company stated that they have told the credit bureaus to update the balance to {$0.00}. The credit bureaus have not done so as of today.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I would like to inquire about the reason behind my ban from Zelle. I have always used the platform responsibly and followed all guidelines, so I am confused by this situation. I have never used the service for anything outside of the guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint against Midland Credit Management for attempting to collect a debt that has not been properly validated under the FDCPA and is being reported to the credit bureaus in violation of the FCRA and Metro 2 guidelines.

I requested full validation of this debt including a signed contract, itemized history, and chain of title, but received no lawful proof. Midland continues to report this item negatively on my credit reports and sends collection letters without providing documentation.

I have submitted an Affidavit of Truth and a formal invoice for violations. I am requesting that all collection attempts and credit reporting activity cease immediately.

I am also requesting deletion of this account from all credit bureaus and confirmation that the account has been withdrawn from collections entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
students control over the disclosure of their personal and academic information. As such, it is your legal responsibility as a loan servicer or affiliated institution to ensure my records are safeguarded from unauthorized access or disclosure. 

It has come to my attention that a breach involving XXXX XXXX has potentially exposed student loan data, which may include my personal and educational information. If my records were among those compromised, this is a clear violation of FERPA, and I hold your institution accountable for failing to adequately protect my confidential information.

I am requesting : A full investigation into whether my student records were compromised.

Written confirmation of whether my data was involved in the breach.

Immediate steps to mitigate any damage or unauthorized access to my records.

Documentation of how you intend to prevent similar breaches in the future.

Please respond to this letter within 30 days of receipt. If this matter is not addressed satisfactorily, I will not hesitate to escalate the issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
Again, XX/XX/XXXXXXXX  XXXX  is placing this account like it was a chargeoff which is not. If so, then I need a 1099C. Otherwise I will report this account to IRS because if its a charge off it means they reported it as a loss which it was not I paid it off. As I stated on complaint XXXX. This account needs to be shown as paid and NOT AS A CHARGE OFF. if you want to keep it as a charge off I NEED A 1099C. This will go to FTC and IRS. THIS was reported in XXXX???? I was not even born!!

Company response to consumer: Closed with explanation