vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Under the provisions of Section 807 ( 8 ) of the Fair Debt Collection Act ( FDCPA ). This states, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on 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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank has closed my account under the impression of their system generated fraud risk. I deposited a check in the amount XXXX to a ATM that was a legit cashier check from my father 's bank. The deposit went thru, however the bank has closed my account and let me know their system has label me as " FRAUD ''. The customer service is horrendous and are telling me that I now must wait 30-60 days for my account to be cleared and additional 7-10 days to receive a check in the mail after a rep called the depositing check bank to verify the check in which they verified it was authentic. My account was still deemed as fraud. I went to my bank branch in XXXX XXXX citi bank, and my banker let me know that I did nothing wrong and the system is mislabeling me as fraud and are letting me know citi bank will not release my funds. She then called their horrendous customer service line and told me the rep said my father must call in to verify he gave me the check via the check number. Citi bank had already verified yet they want my father to again. Calling customer service would result in hour long calls with no avail. I need assistance we recovering my money and make sure my complaint is heard against this evil bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TN

Complaint narrative:
I have a case number from Transunion XXXX. A creditor or someone associated with Trans Union reported on my credit report that I am deceased and clearly I'm not. I need action taking as soon as possible to correct this terrible error to get access to my credit report and credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: IL

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 non-monetary relief
Consumer complaint received 2025-05-05 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: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: Sunlight Financial LLC
State: FL

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
Upon applying for a loan and being denied credit, I noticed that my credit was compromised and accounts were open with the following companies : XXXX XXXX amount {$300.00}, XXXX  XXXX opened XX/XX/XXXX amount {$510.00}, XXXX  XXXX opened XX/XX/XXXX amount {$1500.00}, XXXX XXXX XXXX {$1100.00}, XXXX XXXX  opened XX/XX/XXXX XXXX {$950.00}, XXXX opened XX/XX/XXXX amount {$990.00}, XXXX XXXXXXXX  opened XX/XX/XXXX amount {$110.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$340.00}, XXXX XXXX  opened XX/XX/XXXX XXXX {$1900.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1100.00} and XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
Upon applying for a loan and being denied credit, I noticed that my credit was compromised and accounts were open with the following companies : XXXX XXXX amount {$300.00}, XXXX  XXXX opened XX/XX/XXXX amount {$510.00}, XXXX  XXXX opened XX/XX/XXXX amount {$1500.00}, XXXX XXXX XXXX {$1100.00}, XXXX XXXX  opened XX/XX/XXXX XXXX {$950.00}, XXXX opened XX/XX/XXXX amount {$990.00}, XXXX XXXXXXXX  opened XX/XX/XXXX amount {$110.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$340.00}, XXXX XXXX  opened XX/XX/XXXX XXXX {$1900.00}, XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1100.00} and XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Company Name : Fair Collections & Outsourcing ( XXXX ) Date Assigned on Credit Report : XX/XX/year> Account Ending : * XXXX Paid Amount in Full : {$310.00} I resolved this account in full by paying the balance of {$310.00}. At the time this account fell behind, I was going through a very difficult personal hardship I had just lost my wife, who had been the one managing our household payments. This caused the account to go past due, which was never my intention.

I have since called FCO and requested a goodwill removal of this collection from my credit report, explaining the hardship and showing that the debt was paid in full. Unfortunately, they have been unwilling to assist me or offer any resolution.

I am requesting the CFPBs help in having this account either removed from my credit report or updated in a way that reflects my good-faith effort to resolve it. This negative mark is continuing to damage my credit despite the fact that the debt has been fully satisfied and the hardship circumstances were exceptional. 

Thank you for your help and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$500.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$3000.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$580.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$500.00} Open Date XX/XX/XXXX Inquiries : XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: GREENSKY OPERATIONS, LLC
State: IL

Complaint narrative:
ON XX/XX/XXXX I had an unforeseen furnace BREAK DOWN IN MY HOME. THE COMPANY XXXX XXXX CAME OUT AND RECOMMENDED A FURNACE REPLACEMENT FOR THE AMOUNT OF {$5000.00} IN WHICH I DID NOT HAVE THE MONEY ON HAND. XXXX XXXX REFERRED ME TO THE COMPANY GREENSKY INC., WHICH HANDLES THEIR FINANCING FOR CUSTOMERS WHO COULDN'T PAY ALL THE MONEY AT ONE TIME. GREEN SKY INC APPROVED ME FOR THE TOTAL FURNACE REPLACE FOR {$5000.00} WITH XXXX INTEREST FREE TERMS AND IF THE MONEY WAS NOT PAID IN FULL WITHIN 12 MONTHS, I WOULD BE RESPONSIBLE FOR THE INTEREST THAT ACCRUED FOR THE ONE YEAR. I GOT SICK WITHIN THE 12-MONTH TERM AND I WAS UNABLE TO PAY THE LOAN OFF. I WAS HIT WITH A EXTRA {$1500.00} FOR PENALTY WHICH I FEEL WAS FAIR. XX/XX/XXXX, IS WHEN THE 12 MONTH TERM EXPIRED AND NOW I'M PROMPTED TO PAY {$140.00} MONTHLY. THE XXXX MONTHLY PAYMENT FOR XXXX WITH {$100.00} GOES TOWARD MONTHLY INTEREST AND {$15.00} GOES TOWARDS A CURRENCY CONVERSION FEE CREDIT MONTHLY CHARGE TO ME IN WHICH ONLY {$22.00} OF MY {$140.00} MONTHLY PAYMENT IS APPLIED TO THE PRINCIPAL AMOUNT OWED. I'M NOT ABLE TO PAY OR EVER GOING TO PAY CREDIT OFF ON THIS AT THE RATE OF {$22.00} MONTHLY PAYMENTS ON A {$5000.00} LOAN. I CALLED TO SEE IF WE COULD WORK SOMETHING OUT, I WAS TOLD THROUGH MULTIPLE REPS THAT THEY COULD DROP INTEREST TO 9 %, I WAS TOLD THAT ALSO THAT XXXX XXXX MADE THE TERMS AND WHEN I CALLED GREEN SKY INC BACK THEY RECANTED ALL THAT THEY SAID. THEY ARE TRYING TO MESS MY CREDIT UP AND REFUSE TO SEND ME PROOF THAT I SIGNED OFF ON THIS AGREEMENT AFTER 12 MONTHS LIKE THIS. THIS IS PUTTING A HARDSHIP ON ME AND I DONT KNOW WHAT TO DO THIS IS OVER KILL. HOW AM I SUPPOSED TO GET OUT OF THIS BUT THROUGH A BANKRUPTCY IN WHICH I'M UNABLE TO DO? PLEASE HELP ME. WHY IS IT FAIR TO CHARGE OVER {$100.00} A MONTH IN INTEREST FOR XXXX AND XXXX JUST TO PROCESS MY PAYMENT? THIS IS TOTALLY OUT OR REACH FOR ANYONE AND NOT FAIR AT ALL.

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

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.

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

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of an account listed as XXXX, which appears on my credit reports from Experian, Equifax, and TransUnion. This account was closed in 2022 and has a {$0.00} balance, yet the reporting details vary significantly across bureaus : One bureau states the account was closed due to inactivity, another says it was canceled by the credit grantor, and a third reflects both. 
The accounts opening date differs between bureaus Experian and Equifax list XX/XX/year>, while TransUnion reports XX/XX/year>. 
High credit and credit limit values also conflict. TransUnion reports {$0.00} for both, Experian shows {$800.00}, and Equifax shows a {$0.00} limit with {$800.00} high credit. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and consistency. I submitted a formal dispute to each bureau and requested an investigation under 15 U.S.C. 1681i. If the information can not be fully verified and corrected, it must be removed from my reports. 

This accounts inconsistent and potentially harmful reporting needs to be investigated, corrected, or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
I am disputing inaccurate and inconsistent reporting of an account listed as XXXX, which appears on my credit reports from Experian, Equifax, and TransUnion. This account was closed in XXXX and has a {$0.00} balance, yet the reporting details vary significantly across bureaus : One bureau states the account was closed due to inactivity, another says it was canceled by the credit grantor, and a third reflects both. 
The accounts opening date differs between bureaus Experian and Equifax list XX/XX/year>, while TransUnion reports XX/XX/year>. 
High credit and credit limit values also conflict. TransUnion reports {$0.00} for both, Experian shows {$800.00}, and Equifax shows a {$0.00} limit with {$800.00} high credit. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and consistency. I submitted a formal dispute to each bureau and requested an investigation under 15 U.S.C. 1681i. If the information can not be fully verified and corrected, it must be removed from my reports. 

This accounts inconsistent and potentially harmful reporting needs to be investigated, corrected, or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending XXXX and XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureau and the furnisher but the late payments remain without proper validation or documentation Under US C 1681 S 2 A furnisher must report accurate information under 15 USC 1681 I The credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 explanation
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, My husband and I applied to the apartment complex known as the XXXX XXXX '. After we had BOTH paid {$150.00} in the Online Application fees, AND {$150.00} in Online Administrative fees, plus a {$5.00} convenience fee, we were DENIED the apartment. While we requested a refund, we NEVER received one. The complex never responded to us. However, I was just made aware that they sent me to collections for {$350.00}. I have NO idea why we would owe them money if we never lived there and were not even accepted to the complex.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AL

Complaint narrative:
I am writing to dispute a charge-off account that appears on my credit report from XXXX  XXXX XXXX XXXX XXXX account number ending in XXXX I believe this account is either inaccurate, incomplete, or should no longer be reported. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this account and provide proper documentation to validate the debt, including the original contract, full payment history, and explanation of how the charge-off was calculated. 

If this information can not be verified, I am requesting the charge-off be removed from my credit report. Additionally, please ensure that any information shared with the credit bureaus is accurate and up to date. 

I expect a response in writing within the XXXX investigation period as required by law. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TN

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TN

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 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