vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: SC

Complaint narrative:
Attached is the list of inquires on my credit report that is false. I have contacted Equifax, TransUnion and Experian, both on the phone and online to have them removed they have not even attempted to fix the issue or respond. This has caused me solely to be denied credit I need for my business. As it is false inquiries they should be removed immediately! To keep from further harming me and my credit. I will be perusing legal remedies if not satisfied soon as it is their legal responsibility to remove said inquires if notified about them. They have been notified several times and have not done anything to resolve the matter. I am sending this to my congressman and attorney general. If not remedied immediately legal action will be taken to fix.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Attached is the list of inquires on my credit report that is false. I have contacted Equifax, TransUnion and Experian, both on the phone and online to have them removed they have not even attempted to fix the issue or respond. This has caused me solely to be denied credit I need for my business. As it is false inquiries they should be removed immediately! To keep from further harming me and my credit. I will be perusing legal remedies if not satisfied soon as it is their legal responsibility to remove said inquires if notified about them. They have been notified several times and have not done anything to resolve the matter. I am sending this to my congressman and attorney general. If not remedied immediately legal action will be taken to fix.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate and unfounded negative remark reported by Bank of America on my credit report. 

Despite multiple efforts to resolve the issue directly with Bank of America, I have been unable to make progress. I have called numerous times and even visited one of their physical branches at their suggestion. I provided all requested identifying information, including my full name, Social Security number, date of birth, and the complete account number. However, Bank of America has informed me that they are unable to locate my account in their system, which according to the credit reporting agencies was closed by the bank in XX/XX/XXXX. 

I have attempted to escalate the situation to someone who may be able to retrieve my information, which is presumably archived, but no one is able to assist when I call XXXX XXXX, the number that appears on the credit report. I have explained that I have evidence of the accounts existence and activity, including the last email I received of the online statement notification dated XX/XX/XXXX- this email included the balance at the time and last XXXX digits of the account number. I Also have a printout from Bank of America 's online system showing that the account had been paid in full as of XX/XX/XXXX. 

I have requested to be connected with a department or provided an email address where I can submit these materials and formally explain my situation, but no one has been able to assist me. Bank of America has effectively left me with no pathway to resolve this internally. 

The negative reporting is directly affecting my credit score, and most urgently, it has caused the mortgage company to quote me an interest rate XXXX points higher than I would otherwise receive if this inaccurate remark were not reflected on my credit report. I have requested that the remark be removed, as it is materially impacting the terms of a {$1.00} XXXX home loan I am in the process of finalizing. This inaccurate reporting is causing serious financial harm. 

I respectfully request that the CFPB investigate this matter and assist in having this error removed from my credit report immediately. I am prepared to provide all supporting documentation, including screenshots and statements, upon request. 

Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the information your company is reporting about me. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ) and 15 U.S.C. 1681e ( b ), your company is required to ensure the maximum possible accuracy of the information you furnish. However, you are currently reporting unverified and potentially inaccurate information in violation of these legal obligations.

I demand that you immediately : 1. Conduct a thorough investigation into the disputed information.

2. Provide me with a detailed report of the verification process used to confirm the accuracy of the reported data.

3. Remove or correct any and all unverified or inaccurate information.

Failure to comply with this request may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for damages caused by the inaccurate reporting. 

Please provide written confirmation of your compliance within 30 days of receiving this letter. If no corrective action is taken, I will have no choice but to escalate this matter. 

I expect your prompt attention to this issue. If you require any further information from me, please contact me in writing at the address listed above. 

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 explanation
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the information your company is reporting about me. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( b ) and 15 U.S.C. 1681e ( b ), your company is required to ensure the maximum possible accuracy of the information you furnish. However, you are currently reporting unverified and potentially inaccurate information in violation of these legal obligations.

I demand that you immediately : 1. Conduct a thorough investigation into the disputed information.

2. Provide me with a detailed report of the verification process used to confirm the accuracy of the reported data.

3. Remove or correct any and all unverified or inaccurate information.

Failure to comply with this request may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for damages caused by the inaccurate reporting. 

Please provide written confirmation of your compliance within 30 days of receiving this letter. If no corrective action is taken, I will have no choice but to escalate this matter. 

I expect your prompt attention to this issue. If you require any further information from me, please contact me in writing at the address listed above. 

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 explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
Not mine, no knowledge of. I would the collection agency to provide more documentation in regards to this belonging 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 2025-04-03 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: NY

Complaint narrative:
Not mine, no knowledge of. I would the collection agency to provide more documentation in regards to this belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I opened this account and moved {$1700.00} into it to save and earn interest. My account said I was locked out, so I called them and they could not verify my identity and I had to submit an affidavit of identity ( which they provided ) and have it notarized and sent certified mail. I completed this and they stated that they could not verify the notary, so I had to complete this step again. It has been XXXX XXXX now and I received a letter in the mail stating my account had been closed. I contacted them ( Marcus by Goldman Sacs ) to let them know and they stated they did not know if it was closed or now because they could verify my identity. Someone was supposed to call me back and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX TX 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 non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I reviewed my billing statement dated XX/XX/year>, and noticed significant errors. Specifically, I rightfully disputed and rejected the XXXX XXXX of {$2000.00} due to inaccurate interest calculations. 

On XX/XX/year> I called asked about the dispute results and reasoning and American Express incorrectly investigated and disputed the wrong XXXX XXXX XXXX of $ XXXX than the Adjusted Balance of {$2000.00} clearly indicated in my dispute letter. This fundamental error demonstrates an unprofessional and inadequate investigation. 

My dispute explicitly stated that interest was not properly calculated or applied according to XXXX XXXX own Cardmember Agreement. The account balance was not paid in full from the previous billing cycle ; therefore, according to their stated calculation method, interest charges should have accrued. Specifically, interest should have been calculated using the Average Daily Balance ( ADB ) method ( Average Daily Balance multiplied by the Daily Periodic Rate ( DPR ), multiplied by the number of days the DPR was in effect ). 
Given that American Express failed to apply interest properly as explicitly required in their Cardmember Agreement and incorrectly addressed the wrong disputed amount, I request CFPB intervention to ensure compliance with the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), Regulation Z, and applicable consumer protection laws. 
The disputed amount ( {$2000.00} ) should be immediately credited and settled, given American Express 's apparent failure to accurately disclose and calculate finance charges as mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX 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 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 2025-04-03 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-03 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 have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I received a phone call from RELIANT CAPITAL SOLUTIONS LLC regarding a debt they claim I owe. I explained to the representative that I am currently a college student with XXXX income and can not make payments until after graduation in XX/XX/year>. In response, the representative became extremely rude and dismissive of my situation. 

She falsely stated that my parents were also responsible for the debt, even though they are not co-signers. When I reiterated that this was my debt alone and that I had no income, she became vulgar, speaking to me as if it were her personal money at stake. Her tone was aggressive, and she made it clear she was not interested in discussing reasonable solutions. 

At XXXX point, she accused me of refusing to pay rather than acknowledging that I am financially unable to make payments at this time. She also stated that she would notify the original creditor of my refusal. Her conduct was unprofessional, harassing, and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: MO

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

Company response to consumer: Closed with explanation