vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: KY

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 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-14 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: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-04-14 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: CA

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
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 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
Consumer complaint received 2025-04-14 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:
Company : XXXX  ( a division of XXXX XXXX ) Product : Business Credit Card XXXX XXXX  XXXX  Issue : Improper credit inquiries/ Verification failure / Lack of customer service Complaint : I applied for a XXXX XXXX Credit Card through XXXX ( a XXXX XXXX brand ) for my company, XXXX XXXX XXXX XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was approved for a {$2000.00} credit line, based on my business operations and use case. 
However, this approval was followed by a complete breakdown in process and communication on XXXX end : I was assigned an account manager who never answered phone calls or returned messages. 
I was instructed to wait for a verification call between XXXX PM and XXXX PM for several days no calls or voicemails were ever received. 
XXXX 's XXXX customer support number goes straight to voicemail, with no access to live representatives. 
Despite being approved and making every reasonable effort to complete the process, I received a declination email citing an inability to verify a direct result of XXXX internal failure, not any action on my part. 
Even worse, this negligent process led to multiple hard credit inquiries being placed on my personal credit reports, causing a documented credit score drop, despite the fact that the account was never finalized due to XXXX 's communication failures. 

Violation of Law This conduct may violate the following federal statutes : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b ( c ) : It is unlawful to access a consumers credit report without a permissible purpose. Continuing to generate multiple hard inquiries without a completed transaction or finalized account may constitute impermissible use. 
FCRA 15 U.S. Code 1681i : You are entitled to dispute incomplete or inaccurate information on your credit report, including unauthorized or unjustified inquiries. 
Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) 12 U.S.C. 5531 ( c ) : Prohibits any unfair, deceptive, or abusive acts or practices ( UDAAPs ). 
XXXX failure to communicate, mismanaged verification process, and resulting damage may meet the legal threshold of unfair and abusive practices under federal law.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
My name is XXXX XXXX DOB : XX/XX/year> SS : XXXX XXXX XXXX Account # : XXXX Dispute Under FCRA 611 ( a ) ( 1 ) ( A ) Request for Deletion of Student Loans Due to Department of Education Data Breach I am writing to formally dispute the reporting of certain student loan accounts on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ). These accounts were compromised as a result of the recent data breach involving the U.S. Department of Education and its loan servicers. 

Due to this breach, my personal and financial data has been unlawfully accessed and exposed, placing me at a heightened risk of identity theft and financial harm. I believe the accuracy of the student loan data now reported by XXXX is unreliable and unverifiable. 

I request that these accounts be immediately deleted from my credit report under FCRA 611 ( a ) ( 1 ) ( A ) due to the inability to properly verify the integrity and legitimacy of the accounts following the data breach. 

Please investigate this matter promptly and provide confirmation of the action taken. If no resolution is made within XXXX  days, I will escalate further.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-14 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: CORELOGIC INC
State: CA

Complaint narrative:
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a of a consumer that the of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached all the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC : The Bureau of Consumer Protection Financial ( CFPB ) FTC BBB Attorney General 's Office in your state and Mine. 
Call me at XXXX if any questions.

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 2025-04-14 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a of a consumer that the of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached all the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC : The Bureau of Consumer Protection Financial ( CFPB ) FTC BBB Attorney General 's Office in your state and Mine. 
Call me at XXXX if any questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Servicer under contract with Federal Student Aid
State: AR

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

Company response to consumer: Untimely response
Consumer complaint received 2025-04-14 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: SC

Complaint narrative:
I am writing to file an urgent and serious complaint regarding the gross mishandling of my personal information by Equifax, which resulted in a massive data breach that compromised the sensitive data of over XXXX XXXX Americans including mine. 

As a direct victim of this breach, I have reason to believe that this unauthorized exposure of my data has led to negative consequences on my credit reports maintained by Equifax, Experian, and TransUnion. I hold these reporting agencies responsible for failing to protect my information, and I am now demanding immediate corrective action. 

Let me be explicitly clear : All negative and derogatory items currently listed on my credit reports with Equifax, Experian, and TransUnion must be removed within four ( 4 ) business days of receipt of this letter. These accounts are tainted by the breach of trust and data integrity caused by Equifaxs negligence, and I will not accept further damage to my financial standing as a result. 

I am prepared to escalate this matter through legal action, media exposure, and congressional complaint channels if necessary. I am also prepared to hold each credit bureau accountable for any continued reporting of harmful data that resulted from this breach. Enough is enough. 

Attached are supporting documents including my identity verification, breach notification from Equifax, and recent credit reports highlighting the negative entries in question. 

Failure to act immediately will result in a formal lawsuit for damages, including but not limited to, emotional distress, financial harm, and failure to secure personal consumer data. The negligence that allowed this data breach to occur should not and will not be tolerated without accountability. 

I expect a confirmation of receipt and notification of action taken no later than 4 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I was charged a late payment fee on XX/XX/year>. My payment was due on XX/XX/year>. I paid this payment on time and by a debit card, and I paid {$1.00} to process this payment. Destiny credit card by Concora credit reported to XXXX on XX/XX/year> my balance including this late fee. This caused my utilization to go up and this dropped my credit score by XXXX points. I called customer service and was told that it takes 2-3 days to process a payment that was made on the weekend. That the fee would automatically reverse. If they know that their payment system hasnt updated, they should not send anything to the credit bureau until after payment processing. Its extremely frustrating to pay {$19.00} a month for a monthly fee and an aunnual fee of {$49.00}, to even have to deal with this type of processing. 

How can you possibly post consumer information to the credit bureau and charge a late fee faster than your post payments to your own system???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a purchase from XXXX on XX/XX/XXXX. I received a notification that my order will arrive late due to high volume, I attempted to cancel but it was too late. My package was marked delivered on XX/XX/XXXX. However I did not relieve my package. It was delivered to somewhere other than my front door. I went ahead and filed a claim with XXXX, XXXX, and XXXX. XXXX refuses to help me. Although a write off was promised and a resolution of refund was promised if I file a police report, it was not honored. When I sent that same screenshot to he XXXX rep, he said it was " miscommunication ''. How can a representative promising a refund be miscommunication? They sent me to contact XXXX. 

XXXX refuses to help me and promised an investigation. However their investigation went no further than simply clicking the tracking number. It was a XXXX sided investigation and they did not reach out to me to view my evidence of not receiving the package. They told me to reach out to XXXX 

XXXX told me they closed my ticket, although I didn't receive any response from them either. There is proof of that in my email ; My ticket remains blank. No emails from XXXX are in my spam, trash, anywhere. Again, a one sided investigation with no effort to reach out to me. And they told me I can't open up another ticket. 
However, XXXX  was negligent in delivering the item and leaving it in an incorrect area and failed to follow delivery instructions. 

Lastly, I contacted my bank to see if they can help me dispute the transaction. The representative told me there is nothing he can do, and that I had to try to cancel the transaction ahead of time. I asked how I could have attempted to cancel the order ahead of time, if 2 weeks have passed. He repeated the same information, started to get loud. I asked him what my options were, he proceeded to get loud and hung up on me. All 4 companies claim to care about their customers and offer customer protection and support, but all 4 have failed to listen to me and even consider my evidence of not receiving my purchased merchandise.

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 2025-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
New rule for medical Bills on credit report.I believe rule is in forceable on XX/XX/year>. 
I would like to request any medical bills or XXXX party medical bills be removed from all credit bureau.

Company response to consumer: Closed with non-monetary relief