vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-02-28 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-28 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: IL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I purchase furnitures from XXXXXXXX XXXX XXXXXXXX. I was told there is a promotion for 24 months. I can pay the minimum amount of {$120.00} per month until the promotion expires. Last XX/XX/XXXX I still paid {$120.00}. My balance was {$3600.00}. Last XX/XX/XXXX I received a statement of {$4900.00} balance because I didn't pay the complete amount of {$3600.00}. My promotion expired last XX/XX/XXXX and was not informed. I was told the promotion is only for 12 months. I paid the balance of {$3600.00} and contested the 37 % interest rate which is $ {$1200.00}. I received a denial and right away I paid the {$1200.00}. My balance is XXXX because I never went back to XXXX to buy furnitures. 3 weeks ago I received a statement that I owe them {$64.00} because I didn't pay the contested interest {$1200.00} right away while I was waiting for their decision with my dispute. In the statement I don't need to pay contested amount until a final decision is made. Now I am charge for an interest of {$64.00} for the contested interest that was not paid right away. I contested this and receive a letter that I need to pay this. This is a scam from synchrony.

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 monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have filed a dispute with LexisNexis for inaccurately reporting a bankruptcy on my consumer report. I formally disputed this record, but LexisNexis responded that it was " verified '' using PACER ( Public Access to Court Electronic Records ). 

The issue with PACER Verification : LexisNexis can not legally verify a bankruptcy record using PACER alone because : PACER does not contain full personal identifiers ( e.g., full Social Security numbers ). 
Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), LexisNexis must ensure the maximum possible accuracy in consumer reports.

Since PACER does not provide enough information to confirm my identity, LexisNexis has failed to meet its legal obligation to verify accuracy.

FCRA Violations : 15 U.S.C. 1681e ( b ) LexisNexis failed to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) Unverified or inaccurate records must be deleted from consumer reports.

I have also filed a complaint with the Attorney General 's Office because they have failed to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing yet ANOTHER formal complaint against TransUnion for their continuous failure to accurately report my credit information, despite my repeated attempts to resolve this issue over the past four years. While other credit bureaus correctly reflect my on-time payments and lowered debt, TransUnion persistently decreases my credit score without justification. 

I have submitted multiple disputes and complaints, yet TransUnion has failed to correct the errors, provide adequate explanations, or take any meaningful action to ensure the accuracy of my credit report. Their negligence has caused significant harm to my financial standing, impacting my ability to secure favorable credit terms and financial opportunities. 

Issue Details : I have maintained a responsible credit history, making on-time payments and actively lowering my debt. However, TransUnions reporting does not reflect these improvements.

Despite multiple disputes and reports over the last four years, TransUnion has not corrected my credit score to accurately reflect my financial behavior. 
Their failure to uphold accurate credit reporting standards has resulted in ongoing financial damages, including higher interest rates, denied credit opportunities, and unwarranted financial stress.

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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am unable to receive correct information in regards to my refund settlement from Wells Fargo Remediation Customer Service. I kindly request that you provide an update on the status of my refund and process the payment at your earliest convenience. If any further information or documentation is required, please let me know, and I will be happy to provide it promptly.

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I received an account on my credit report that does not belong to me, with the name AMSHERCOLLECTIONSERVICES and a charge of {$1400.00}. The account was opened 2 months ago, and I have never opened an account in that time period. The lender name is XXXX XXXX XXXX, I do not recognize anything on tmobile linked to my name anymore. I contacted them and I do not have anything in my name with the company. I also noticed a lack of information about the account, all the details provided in the credit report say not provided or not reported. In other words, this account does not belong to me, I am sure there was some error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
I am a victim of identity theft. There is fraudulent names, addresses and accounts listed on my credit report. My name is XXXX XXXX and my only address is 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 2025-02-28 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: IL

Complaint narrative:
Dear Experian, I am writing to formally dispute the inaccurate reporting of my XXXX account on my credit report. The account was never delinquent, is now closed, and should be reported as satisfactory. However, it is currently being reported negatively, which is impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), I request the immediate deletion of this account from my credit report as the reporting is incorrect. Please investigate this matter promptly and provide a resolution at your earliest convenience.

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 2025-02-28 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-02-28 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I didn't sign any contract with this company. It was bought by XXXX 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 2025-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I asked them for a written verification of the debt, which typically includes details like the amount owed, the date the debt was incurred, and the name of the original creditor. 
They said they would not send me anything in writing And that the supposed debt was given to them or sold to them by the original creditor but they wouldn't send me any proof or tell me when they obtained my information. 

IQ DATA INTERNATIONAL INC. 
Last reported XX/XX/XXXX {$10000.00} Open balance IQ DATA INTERNATIONAL INC. 
Original creditor SNAPSHOT Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name IQ DATA INTERNATIONAL INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have requested TransUnion to update my personal information, but they have failed to make the necessary corrections. I have submitted all required supporting documents to verify my updated information, yet the issue remains unresolved.

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 2025-02-28 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
GOLDMAN SACHS BANK USA Has issued a card under my name and failed to provide me proof that I opened the account. 


This company had caused me a lot of term oil and they will be reported to the authorities of there scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORT. THANK YOU XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

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 2025-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I have been harassed for years by this debt collector. In XXXX of XXXX, XXXX XXXX had placed a collection on my credit report for a debt of {$220.00} for a XXXX account. I have never owned this account and I was never contacted by any debt collection agency that there was a debt owed, and no calls, emails, texts, or written mail. I had disputed this with all my credit agencies ( XXXX, XXXX, and XXXX ) and they were all removed from my credit report since it was confirmed this was not my debt. In XXXX of XXXX, I had another collection placed on my credit report by Transworld Systems INC for {$220.00} and for the same XXXX account. After further research, I learned that Transworld Systems INC had acquired XXXX XXXX. This was disputed again to all my credit agencies and it was removed quickly since again, this is not my debt, never has been my debt, and again was never contacted by any debt collection agency. The situation was escalated to XXXX fraud. Today XX/XX/XXXX I was notified via XXXX alerts that I had a collection placed on my account from Transworld Systems INC for {$550.00} for an XXXX account that again, I do not own, have never owned. The collection reports that this account was opened in on XX/XX/XXXX, very similar timeline to the original account openings of the XXXX accounts. I have since disputed this again since I am tired of the constant harassment from this debt collection agency and their failure to verify any debt. I have had my credit score affected negatively over the past couple years due to this and it has been very difficult to work in raising my score since my score dropped drastically and it does not go back up to the previous score upon the collection being removed from my credit report. I have contacted XXXX today and it was again escalated to the fraud department in which this case has become. I am a victim of fraud, this is not my debt and I can not continue being harrassed by this debt collector.

Company response to consumer: Closed with explanation