vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Late Closed XXXX XXXX XXXXXXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXXXXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX Charge Off XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXXXXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXXXXXX {$9100.00} Date Open : XX/XX/XXXX Repossession XXXXXXXX XXXX XXXX XXXX {$5900.00} Date Open : XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear Sir or Madam, I am writing to dispute inaccurate information on my credit report related to a XXXX account, which has resulted in a 41-point drop in my credit score. This negative impact is unfair and should be removed for the following reasons : The solar panel system was a mandatory inclusion with my XXXX XXXX house purchase, with no option to choose the provider. 

I initially opted for a lease due to budget constraints but later requested to switch to financing when I learned about rebate eligibility issues. 
XXXX, the original company, filed for bankruptcy, causing significant confusion and disruption. 

XXXX, which took over the account, has been unresponsive and failed to honor the agreement to convert the lease to financing. 
I have been attempting to resolve this issue and have not received proper assistance or clear communication from XXXX. 

The negative credit report was filed without proper consideration of my ongoing efforts to resolve the situation and my expressed willingness to finance the system. 

I request that you investigate this matter and remove the negative impact from my credit report. This situation stems from circumstances beyond my control, including a company bankruptcy and lack of consumer choice in solar panel providers. 

Please find enclosed copies of relevant documentation supporting my dispute. I look forward to your prompt attention to this matter and the correction of my credit report. 

I HAVE MADE PAYMENT OF {$420.00} ALREADY Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.

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 2025-03-20 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I wanted to but at car on XX/XX/scrub>/2025. I sent two payment of {$500.00} to the seller and now I don't have a car nor my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am reaching out to express my frustration over the inaccuracies on my report that are negatively impacting my scores. These errors have created unnecessary financial barriers and have limited my ability to access opportunities that I rightfully deserve. It is unacceptable to be penalized for mistakes that are beyond my control.

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 2025-03-20 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:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of XX/XX/XXXXand discomfort and embarrassment.

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 2025-03-20 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: TX

Complaint narrative:
I am filing this complaint because Experian has failed to properly investigate and correct errors on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, the agency continues to claim that the accounts in question are accurate and complete, even though my records clearly show numerous errors. 

I have provided supporting documentation, including copies of my credit report with highlighted discrepancies, yet the agency has not conducted a reasonable investigation as required by law. Instead, they have repeatedly verified inaccurate and incomplete information without properly addressing my concerns. 

These errors are negatively impacting my credit standing, and the agencys failure to fulfill its legal obligation under the FCRA has caused undue harm. 
I am requesting that the CFPB intervene to ensure that a proper investigation is conducted and that the errors on my report are corrected.

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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I completed a balance transfer to my CITI card for the full amount showing due, before my payment was due of {$3400.00} on XX/XX/XXXX. The balance transfer posted successfully to my CITI account and my balance was showing as XXXX. I then requested that my account be closed. My account was confirmed closed with XXXX balance by CITI. On XX/XX/XXXX I received an email confirming that my account was closed. No balance owing. Then I just recently received a statement email from CITI saying that I owe {$28.00} from interest added on XX/XX/XXXX to my account and that it is due by XX/XX/XXXX. 
I should not have any interest owing, or any amount due owed. I paid my account to XXXX balance, and my card was closed, and confirmed closed by CITI. No additional interest should be accruing on a closed account. I do not own CITI {$28.00}

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 2025-03-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
1XXXX XXXXXXXX Failed to Provide Legally Required Notice Under UCC Article 9, Section 9-611, a lender must provide the debtor with a formal Notice of Sale before auctioning a repossessed vehicle. 
XXXX XXXX never sent such notice, meaning the repossession was improperly conducted and can not be legally enforced. 
2. Failure to Disclose Sale Details & Provide Accounting UCC Article 9, Section 9-613 requires lenders to disclose the details of the sale, including the date, time, location, and final sale price. 
XXXX XXXX has failed to provide this information, making it impossible to verify whether the sale was fair or whether a deficiency balance is valid. 
3. Equifax Failed to Conduct a Proper Investigation Under the Fair Credit Reporting Act ( FCRA ) 611, credit bureaus must conduct a reasonable investigation when a dispute is filed. 
Despite XXXX XXXX legal violations, Equifax failed to investigate properly and continues to report this repossession inaccurately. 
This damages my creditworthiness unfairly and violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
XXXX XXXX ( XXXX ) XX/XX/XXXX, 2024/ XXXX XXXX ( XXXX ) XX/XX/XXXX, 2024/ XXXX XXXX XXXX XXXX  XXXX XX/XX/year>2024 /

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 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally request the discharge of my federal student loans due to unauthorized access to my personal and financial information by DOGE. I have recently discovered that my information was accessed without my consent, which I believe constitutes a serious breach of my privacy rights and raises concerns about the validity of my loan obligations. 

I believe this unauthorized access violates my rights under federal privacy and consumer protection laws, and it has caused me significant distress. Given these circumstances, I am requesting that my federal student loans be discharged or that appropriate corrective action be taken to remedy this violation.

Please consider this letter as a formal dispute and request for review under applicable federal statutes, including the Higher Education Act and relevant data privacy laws. I would appreciate a timely investigation and response regarding my eligibility for discharge.

If you require any additional documentation or information, please contact me at XXXX. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-20 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: NJ

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 non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
XXXX XXXX has been notified via written text that calling me multiple times a day to discuss the same issue and answer is ridiculous. I advised via written text that he was generating this CPFB complaint and I would use the FCRA and FDCPA to warn him of harassment over {$370.00} on a payment I can not make until the check is received. If the check is drawn on an out of XXXX XXXX XXXXhere may also be a deposit hold. 
I understand I am past due and in debt to XXXX XXXX, however, I can not do what I can not do until I receive the check. 
I explained on the phone to another representative that I was waiting on an insurance claim payment that I was advised would take 7-10 business days. That was XX/XX/year>. 
Multiple calls with callback messages daily, Monday XX/XX/year>, I called again and asked for XXXX XXXX who was unavailable, I was told he was on the phone. This representative is unprofessional and is an example of bad debt collection management. The mantra, persistence overcomes resistance is outdated and in this economy causes XXXX XXXX and XXXX 

I suggest sanctions and admonition against this representative and the XXXX XXXX XXXX. The hiring of this representative shows a lack of due diligence and responsibility of management to train and develop accordingly with accountability and respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I submitted a request for debt validation, but I never received the necessary documentation verifying the legitimacy of this debt.

Additionally, I disputed this debt with the credit bureaus, but it was never properly investigated, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this law, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. Furthermore, furnishers of information, such as XXXX XXXX, have a legal obligation under 15 U.S.C. 1681s-2 ( b ) to investigate and correct any inaccurate or unverified information they report.

Given these violations, I request that the CFPB take appropriate action to ensure that all credit bureaus comply with federal laws by providing the requested validation or removing the unverified debt from my credit report. I also ask that the credit bureaus conduct a proper investigation as required by law.

Thank you for your time and assistance in resolving this matter. Please keep me informed of any updates regarding my complaint.

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 2025-03-20 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Inaccurate Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX Charge Off XXXXP OF EDUC XXXX {$3600.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3100.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} XXXX Open : XX/XX/XXXX DP OF EDUC XXXX {$2100.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$2600.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$5500.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3400.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$1300.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3600.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$4500.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$3400.00} Date Open : XX/XX/XXXX XXXX XXXX Open : XX/XX/XXXX DP OF EDUC XXXX {$3800.00} Date Open : XX/XX/XXXX DP OF EDUC XXXX {$2200.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date XXXX : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$410.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} Date Open : XX/XX/XXXX ( Original Creditor : ) XXXX {$600.00} Date Open : XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief