vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-10 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: OH

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 ) XXXX States : no consumer reporting agency XXXX 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 XXXX 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 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 2025-05-10 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: OH

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 ) XXXX States : no consumer reporting agency XXXX 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 XXXX 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 explanation
Consumer complaint received 2025-05-09 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
o : Consumer Financial Protection Bureau ( CFPB ) Subject : Repeated FCRA Violations Urgent Request for Action Against TransUnion Dear CFPB Representatives, I am submitting this formal complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically concerning a XXXXXXXX XXXX XXXX  account ( Account # : XXXXXXXX XXXX XXXX ). 

This account was previously deleted from my credit report following multiple disputes with valid supporting documentation. However, TransUnion has reinserted the account without meeting the legal requirements set forth by the FCRA : 1. I was not notified in writing within five ( 5 ) business days, as required under Section 611 ( a ) ( 5 ) ( B ) of the FCRA.

2. I did not receive any certification from the furnisher validating the accuracy of the reinserted information.

3. The verification of the account was conducted without a reasonable reinvestigation, violating Section 611 ( a ) ( 1 ) ( A ).

4. The same account was removed by Experian and Equifax, revealing a clear inconsistency and failure by TransUnion to maintain reasonable procedures ( FCRA 607 ( b ) ).

I have submitted previous disputes and complaints through this portal and the FTC, yet TransUnion continues to disregard federal law.

I respectfully request the CFPB to intervene immediately and require TransUnion to : - Permanently delete this account from my credit report ; - Ensure the account is not reinserted unless all FCRA requirements are strictly met ; - Investigate and address TransUnions negligent and repeated misconduct.

I am attaching documentation and prior disputes as evidence. I appreciate your urgent attention and regulatory enforcement. 

Sincerely, _________ 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 2025-05-09 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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CT

Complaint narrative:
I am filing a formal complaint against the U.S. Department of Education / Federal Student Aid ( FSA ) due to their failure to properly communicate critical information regarding my loan forgiveness and payment plan to my loan servicer, Edfinancial Services. 

According to the XXXX website, I have been approved for Public Service Loan Forgiveness ( PSLF ), and my qualified payments are clearly listed. However, when I contact FSA to ask for clarification or next steps, I am told that I must deal directly with Edfinancial. When I contact Edfinancial, they state they have received no documents or confirmation from FSA. 

This miscommunication between FSA and Edfinancial has created a situation where I am stuck between two agenciesneither of which is taking responsibility. As a result, I did not receive confirmation of the new promised $ XXXX  monthly payment plan, and Edfinancial ultimately placed my loans in default. This caused my credit score to drop by over XXXX points, despite my consistent efforts to resolve the situation and comply with all requirements. 

I am requesting the following : Immediate clarification and acknowledgment of my PSLF approval by FSA. 

Prompt coordination with Edfinancial to ensure my PSLF status is properly applied. 

Support in ensuring my loan is removed from default and a revised payment plan is implemented. 

Accountability for the communication breakdown that led to significant financial harm. 

I have done everything asked of me and followed the process as directed. FSAs failure to provide proper follow-up and coordination has directly contributed to the damage to my credit and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My XXXX was recently repossessed because I was unable to keep up with the payments, and unfortunately, I still owe a remaining balance of {$22000.00}. Despite making payments, the total barely went down due to high interest and fees, which made it nearly impossible to catch up. I am currently unemployed and have no steady income, which has made it even harder to manage this debt. As a result of the repossession, my XXXX XXXX has taken a significant hit, making my financial situation even more difficult to recover from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Synovus Bank
State: PA

Complaint narrative:
I paid a program fee of {$95.00} to firstdigital Mastercard. I received an email stating my transaction failed. I called them and was assured the transaction went through and to wait for my card in the mail. I requested a confirmation email that stated I paid and would receive a card in the mail. I was told no and to send an email to their support team, I did and approximately a week later the support team stated they couldnt send the email. Now I was just disconnected from a call. I called back and am on hold with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Harpeth Financial Services, LLC
State: GA

Complaint narrative:
Advance Financial XXXX is sending me loan offers ( excessive harassing communications ) via mail. Ive never dealt with this company nor have I ever asked for a loan. I dont know how they got my information. They are sending me mail that looks like an IRS check which is very deceiving. When I called them to opt out of the scam letters, the first thing they asked for was my Social Security number, which I would never give out! Then they tried to get my XXXX. They wont let me opt out without giving them personal info and that will never happen. This company is scamming people and stealing private information, and sending out false advertisements. They shouldnt need my social or XXXX to stop the lettersThey wont stop sending me mail. Please help me and make them stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: VA

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 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple written disputes, yet your company has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S. Code 1681s-2 ( b ) Failure of furnishers to investigate and correct information 15 U.S. Code 1681c ( c ) Reporting of obsolete data Additionally, I recently became aware of a new lawsuit filed against TransUnion, citing " sham investigations '' and a systemic failure to properly respond to credit report disputesdirectly reflecting my own experience. 
Despite clear documentation and prior notices, TransUnion continues to report inaccurate, unverifiable, or obsolete information. This negatively affects my access to credit, employment, and housingareas protected under the FCRA. 
I now demand the following : A full, reasonable reinvestigation into all disputed items. 
Permanent deletion of any unverifiable or inaccurate information. 
Immediate cessation of any unauthorized reinsertions, in compliance with 1681i ( a ) ( 5 ) ( B ).

A written statement and summary of the findings and actions taken within 15 calendar days of this letter.

If this matter is not resolved in accordance with the law, please be advised that I reserve the right to take legal action against TransUnion for actual, statutory, and punitive damages as permitted under the FCRA, 15 U.S. Code 1681n and 1681o. I will also escalate this matter with the CFPB and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I have submitted multiple written disputes, yet your company has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S. Code 1681s-2 ( b ) Failure of furnishers to investigate and correct information 15 U.S. Code 1681c ( c ) Reporting of obsolete data Additionally, I recently became aware of a new lawsuit filed against TransUnion, citing " sham investigations '' and a systemic failure to properly respond to credit report disputesdirectly reflecting my own experience. 
Despite clear documentation and prior notices, TransUnion continues to report inaccurate, unverifiable, or obsolete information. This negatively affects my access to credit, employment, and housingareas protected under the FCRA. 
I now demand the following : A full, reasonable reinvestigation into all disputed items. 
Permanent deletion of any unverifiable or inaccurate information. 
Immediate cessation of any unauthorized reinsertions, in compliance with 1681i ( a ) ( 5 ) ( B ).

A written statement and summary of the findings and actions taken within 15 calendar days of this letter.

If this matter is not resolved in accordance with the law, please be advised that I reserve the right to take legal action against TransUnion for actual, statutory, and punitive damages as permitted under the FCRA, 15 U.S. Code 1681n and 1681o. I will also escalate this matter with the CFPB and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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