vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information 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 2025-03-13 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:
I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation.

The following items that I'm disputing are as listed : 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 Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my private data through the Department of Education

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX The following personal information is incorrect Former : XXXX, XXXX XXXX. The following personal information is incorrect Former : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

10. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

11. The status is incorrect for the following account DE
PT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. late payment status is invalid and inaccurate. you must have maximum accuracy in reporting it. please delete.

DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

13. violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be dele
ted DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

14. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

15. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX The following personal information is incorrect Former : XXXX, XXXX XXXX. The following personal information is incorrect Former : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

10. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

11. The status is incorrect for the following account DE
PT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. late payment status is invalid and inaccurate. you must have maximum accuracy in reporting it. please delete.

DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

13. violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be dele
ted DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

14. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

15. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was the victim of a wire transfer fraud via phone call from a scammer who represented themselves as an employee of Bank of America, where I have a checking account. I immediately ( within XXXX XXXX ) reported the fraud to Bank of America, and they have not recovered any of my funds. It's my understanding that funds in my checking account are insured for fraud, as long as the fraud is reported 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 2025-03-13 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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 2025-03-14 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: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence. 

The following items I am disputing are the following : XXXX XXXX XXXXXXXX - {$9500.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
The account is charged off and they are reporting it as late and or past due. This is hurting my credit a

nd Im trying to find a home. Also I requested a 1099 form. The FDCPA bars the use of any false, deceptive, or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e.P

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
I have a 1099 to clear my debt and Ive filed multiple complaints and still no resolution even with proof and they claim the information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
I have a 1099 to clear my debt and Ive filed multiple complaints and still no resolution even with proof and they claim the information is correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
I have a 1099 to clear my debt and Ive filed multiple complaints and still no resolution even with proof and they claim the information is correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank has an unethical and unfair method of reporting my account balance to the credit bureaus. I have only had this credit card for 2 months but for the 2 months they have given an inaccurate balance to the credit bureaus, For the last 2 months I have fully paid paid the card by the due date ( XXXX ) and had a XXXX statement balance. They are reporting my current balance on the XXXX of the next month of every month instead of my XXXX statement balance. This seems very unethical and unfair and would have no purpose except to hurt my credit score, The have done this for 2 months straight and I want their practice to stop,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I used PayPal to pay an online retailer and then the online retailer canceled the order and voided payment. PayPal removed all reference to the transaction instead of marking it voided. They haven't released my funds and when I contacted them they said the transaction was voided by the seller but refused to confirm that they would release my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This loan was paid for by XXXX XXXX. The loan was a profit & loss write off and purchased by another company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
ff from XXXX XXXX XXXX ( Account # XXXX ), yet you have failed to conduct a proper investigation as required under FCRA 1681i. Your continued failure to remove this unverifiable and inconsistent charge-off constitutes a willful violation of the Fair Credit Reporting Act.

The reporting of this account contains multiple discrepancies that prove it is inaccurate. The Date Last Active is reported inconsistently across bureaus, with TransUnion listing it as XX/XX/XXXX, Experian as XX/XX/XXXX, and Equifax as XX/XX/XXXX. Additionally, the Last Reported date varies, with TransUnion reporting XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. The charge-off classification is also inconsistent, as TransUnion labels it as Profit and loss write-off, Experian as Charge-off, and Equifax as Charged-off account fixed rate XXXX These contradictions clearly indicate that this information can not be verified and must be deleted immediately. 

Your failure to properly investigate and correct these errors is a direct violation of the Fair Credit Reporting Act. Given that your company has already faced lawsuits for similar misconduct, I am initiating arbitration under the terms of your agreement. My claim will seek full damages for violations of the FCRA, including : I am demanding {$1000.00} per FCRA violation as statutory damages, along with {$5000.00} in emotional distress damages due to the harm caused by your continued failure to correct this misinformation. Additionally, I will seek full reimbursement of arbitration and legal fees. If this inaccurate charge-off has resulted in financial harm, such as higher interest rates or credit denials, I will also seek actual damages to compensate for those losses. 

I demand the immediate deletion of this charge-off. If I do not receive written confirmation of its removal within 10 days, I will proceed with arbitration and seek full monetary damages. This is not a negotiationthis is your final notice before legal action.

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