vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I am seeking your assistance to review accounts from companies that are inaccurately reporting late payments. After being laid off, I requested these late payments be forgiven, and they agreed, but they are still being reported as late. Despite contacting them, I have received no updates, leaving this as my final attempt for resolution.

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 2025-01-07 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:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: TX

Complaint narrative:
XXXX : XXXX ( XXXX ) driver license, social security number, etc. ) personal information compromise Att- internet and Wireless Breach ( XX/XX/XXXX ) ( drivers license, social security number, etc ) personal information compromised XXXX : Breach ( XX/XX/XXXX ) drivers license, social security number, etc personal information compromised Change Health care Breach ( XX/XX/XXXX ) notified of breach ( XX/XX/XXXX ) Documention mailed by companies concerning negligence of XXXX XXXX XXXX negligence have been allowed by XXXX XXXX Have started claims and have proved documentation the insurance company assurance have denied twice and on the appeal have denied after all documentation justified funds taken out my account the documents from the back and also I have lost my job and im terrified my two daughters personal information is part of the brenches as well. ( XXXX ) XXXX XXXX XXXX XXXX XXXX allowed breeches there insurance assurance claims lost wages and banking information checking and savings and debit cards utilities, Auto Insurance coverage as well employment resources that is offered denied student loans wired not by my authorization as well as rental cars my whole identity have been stolen that mean my two daughters information have been compromised. Each time my credit is involved denied authorization of identity. XXXX is allowing circumstances to occur. My credit is frozen and my personal life is still be exposed by XXXX There are unlawful actions that are being committed my family and I are suffering and experian credit is not helping resolve these issues my credit is locked and experian has been refusing to help take care of of the negligence that have been allowed. Please Help!

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 2025-01-07 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: MD

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2025-01-07 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-07 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: TX

Complaint narrative:
Within the same day, Ive been willfully denied the request of the information that I am seeking in my CFPB complaint thats marked as a duplicate. XXXX XXXX XXXX XXXX is operating with disregard to fair credit reporting. I simply requested for them to provide merchant transactions of all purchases that they alleged to have occurred on the account in which theyve deemed delinquent and accumulated outrageous late fees. 

Every attempt I made theyve willfully avoided providing that specific information. The only response Ive received is general statements and post closure account details. 
Continuing to not comply, and allowing them to report negligence without evidences puts the credit bureaus just as much in the wrong as them. 


The attached documents clearly displays that none of my request has been voluntarily adhere to. They address every aspect of the account other than the specifics of proof of account expense, leaving a balance. No merchant details no locations no purchase price of any sort just allegations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to follow up on my initial complaint filed on XX/XX/year>, regarding my inability to access my TransUnion credit report. I appreciate the response I received from TransUnion on XX/XX/year>, which stated that they had mailed a copy of my credit report to the address they have on file for me. 

However, as of today, I have yet to receive the credit report that was promised. It has now been well beyond the estimated delivery time of 7 business days, and I'm concerned about the lack of communication and resolution regarding this matter. Ive even called to request a copy sent to me, the agent verified my address it was being sent to however I still never received it. 

I would like to request your assistance in ensuring that TransUnion fulfills their obligation to provide me with my credit report. Additionally, I would appreciate any guidance on further steps I can take to resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I have several accounts that have been closed and have been written off as a loss however I have never been provided with a 1099c and continue to report fraudulent information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-07 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:
XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX OF ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX  ACCT # : 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX ACCT # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NC

Complaint narrative:
On XX/XX/year> I ordered a washer and dryer from XXXX online. I paid using XXXX, which I have never used before. On XX/XX/XXXX, I canceled the order and bought another brand from XXXX XXXX, which delivered the next day. I called XXXX to confirm cancellation and was told they would try to cancel order asap. Was told no worries. 
My XXXX XXXX order was recd next day. Several days later I recd call from vendor that my machines from XXXX were arriving next day. I called vendor and XXXX explain mistake. Both told me no problem just refuse delivery which I did. A few months later I checked my bank acct and found withdrawal from XXXX for {$180.00}. I called XXXX  and XXXX but was told they would look into it. Then I found XXXX or XXXX more withdrawals and finally told my bank to stop payment on future withdrawals. I called to complain but got nowhere. Now theyve reported me to XXXX credit collection who I spoke to and they dropped case, told me to call XXXX and explain situation again., which I did. XXXX told me he forwarded my complaint to their support committee I never heard back from them. Instead, True Accord credit report agency is now trying to collect remaining XXXX they say I owe. Please help me recover the money they owe me. Thank you!

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 2025-01-07 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: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-01-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
MY CDS ARE EXPIRING ON XXXX AND XXXX AND THE BANK OFFERED ME A RATE OF XXXX FORK 14 MONTHS WHICH I JUST LOCKED FOR AT THE DATE THEY MATURE. 

NOW CAPITAL ONE IS PLAYING GAMES SAYING THAT THEY STILL CAN LOWER RATES EVEN AFTER IT IS LOCKED IN WHICH IS NOT RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

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 2025-01-07 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:
I would like to initiate an investigation into these accounts, as there seems to be a discrepancy regarding their accuracy on my credit report. These accounts were previously deleted but have been re-added without my knowledge. I have not received any notification or mail about their reinstatement.

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 2025-01-07 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/XXXX, my husband XXXX XXXX deposited {$540.00} cash into an XXXX XXXX XXXX XXXX ATM when we were banked with XXXX XXXX XXXX XXXX. It took 2-3 weeks but XXXX XXXX XXXX XXXX XXXX XXXX audit at the ATM and found the {$540.00} overage. On XX/XX/XXXX, the XXXX department at XXXX XXXX sent the funds to XXXX of {$540.00} through the XXXX XXXX ATM. 
When I contacted XXXX, they seemed confused as to what the STAR network ATM is but to check back in on Monday XX/XX/XXXX - XX/XX/XXXX. So I call XXXX back on XX/XX/XXXX, they get me to their XXXX XXXX department and they tell me they need to file a ATM dispute to investigate, ID # XXXX. 
I am confused why they didn't file a dispute when the incident occurred on XX/XX/XXXX, my husband called XXXX when it happened and they refused to file a dispute claim and said to have XXXX XXXX deal with it. I myself called a few days later to file a dispute and they refused. 

I asked today, on XX/XX/XXXX if they will provide a provisional credit to my account while they are investigating and they state they are not sure if it will be applied or when. Making it seem like I am lying about the funds being transferred. They also seem to be confused as to what the XXXX network is and asked for the bank to send it through ACH or electronic transfer instead. Why do they want me to do the work for them?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
mr cooper and XXXX loan company keep continouldy voer charged me last 24 month total usd XXXX more total usd XXXX more. 

and suddenly they add additional charge to mortage payment and i am a position to pay whole amount together. 

i sent all updated renewal insurance. but they disregard my insurance and they entered their insurance for flood and property insurance and the cost looks alomst double charge than regular home insurance premium. 

please help me and stop this urgly mortage compay soon. 

thanks again my phone XXXX XXXX XXXX my XXXX mail XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I tried getting my reports from annualcreditreport.com and it kept giving me an error. I called them to find out why and the reps don't know why, they just say try again.

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