vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2025-04-29 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
The Company Discover settled with XXXX XXXX XXXX thru a lawyer 's office being paid as settled for more what was owed, and they continue to put as charge off. So, basicity they are getting paid 2xs for them reporting it as a loss and my payment, XXXX  refuses to delete this account continuously disputed even though requested, last disputed Report Number XXXX in XXXX All they do is update and valid that's all they say they refuse to delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
On XX/XX/XXXX, I submitted a formal identity theft dispute to TransUnion in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B. The dispute included my FTC Identity Theft Report, a police report from the XXXX police department, a XXXX mail theft reference number, a signed written request for account removal, a copy of my government-issued ID, and proof of my current address. 

The disputed item was an account from XXXX XXXX that appeared on my TransUnion credit report opened XX/XX/XXXX. The balance on the account was approximately {$3700.00}, and it was reported as charged off. 

Under FCRA 605B, TransUnion was required to block the fraudulent account within four ( 4 ) business days of receiving my documentation. However, instead of blocking or removing the account, TransUnion responded on XX/XX/XXXX stating the account had been verified and kept it on my report. 

This is a clear violation of my rights under the FCRA. I took all appropriate actions on my end, provided the required documents, and followed the process. TransUnion failed to fulfill their legal obligations to protect consumers from identity theft. 

I am requesting the CFPB require TransUnion to : Immediately delete and block the fraudulenXXXX XXXX XXXX  account from my report Confirm the account will not be reinserted unless fully re-investigated and verified Provide written confirmation of the 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 explanation
Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: MI

Complaint narrative:
In late XXXX of 2021 my soon to be ex husband and I started our gym memberships but after several months he received a new job we cancelled in preparation for an out of state move. Nearly a year later they contacted me regarding the membership we already canceled! Our contract plainly stated I have the RIGHT TO CANCEL SAID MEMBERSHIP THEREAFTER AT ANY TIME UPON GIVING SELLER THIRTY ( 30 ) DAYS WRITTEN NOTICE OF THIS DESIRE TO CANCEL SAID MEMBERSHIP TO THE SAME RULES AND CONDITIONS OF THE INITIAL MEMBERSHIP TERM. WHICH I DID! Despite this Management never responded to my email and started sending my automated bill collection calls to my phone. I called the gym to complain about this and was told someone from billing would call me back but they never did, now 3 years later Ive gotten notice from a DEBT COLLECTOR seeking over {$300.00} for this gym!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is failing to report any name at all, leaving the name field completely blank. The absence of my name on my credit report is completely unacceptable. My correct and legal name is Me XXXX XXXX XXXX, and Experian is in direct violation of the Fair Credit Reporting Act by omitting this crucial personal information from my report. This error causes serious problems, especially in loan and credit applications, where the name mismatch may result in delays or rejections. This oversight is likely due to a systemic error or negligence, and it must be fixed immediately. I rely on Experian to ensure accurate reporting under 15 U.S. Code 1681e ( b ), and it is failing to live up to that duty by misreporting my personal information.

I have attached a copy of my ID, which clearly shows my accurate legal name, XXXX XXXX XXXX XXXX, to further substantiate my claim and facilitate a faster resolution. This document should serve as valid proof of my legal identity to ensure that the changes are made promptly across all three bureaus.

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 2025-04-29 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: MN

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-29 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
On my credit report I found discrepancy regarding late payments for XX/XX/year>. I made timely payments to XXXX, account # XXXX * * * * in the month of XX/XX/year>. I request these late payments be investigated and updated to reflect the true status.

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 2025-04-29 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: A-1 Premium Acceptance, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I applied and was approved for a loan with King of Kash. They advised that it should deposit into my checking account on the following day, XX/XX/XXXX. When it didnt, I called King of Kash and the representative confirmed they had the correct banking information but suggested I follow up with my financial institution to make sure the issue was not on their end. By this time, my bank ( XXXX  ) was closed and would not be open until Tuesday, the XXXX, due to the holiday on Monday, the XXXX. I called my bank on the XXXX when the funds were still not deposited and they confirmed that they saw nothing on their end. They directed me back to the loan company. I called King of Kash, and after some back and forth, a representative eventually suggested that the account be closed since the funds were never received. They advised that I would need to send in my bank statements from XX/XX/XXXX to that day to prove that the deposit was never made. On XX/XX/XXXX, I emailed the statements and it was confirmed to be received. I was told it was then sent to a resolutions team and my account would be closed. This has not happened. I have been charged for loan payments for funds never received, and have been told the only way to avoid this is to fill out a form refusing to have an automatic draft from occurring ; which I have done. Im still being charged on my pay dates, and then a CSR issues a refund. Which ties up my funds because it is not immediately returned to my account. I have called several times and am always told that its being reviewed but there is no estimate when the matter would be resolved. On XX/XX/XXXX I spoke with a manager, XXXX, who suggested I file a XXXX complaint or seek legal counsel to resolve. She refused to get me to her manager, stating that there was no one else to speak with me and no one from the resolutions team makes calls to provide updates. This company sends me threatening emails stating that they will take necessary action against me if I dont make payments. When I call, Im told that they have no answer for when this matter will be resolved and that all I can do is continue to call to check on the status, and that theyll make sure that further action isnt taken on my account since I never received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My Mortgage was recently transferred to Mr Cooper. I have tried contacting Mr Cooper directly, but their XXXX XXXX does not allow me to speak to a representative, and the XXXX XXXX  does not recognize my loan number. These XXXX XXXX XXXX  waste consumers time and create a tremendous amount of stress, frustration and XXXX. 

Mr Cooper may be trying to sell my information without my consent. Mr Cooper sent me a letter allowing me to OPT OUT of marketing materials, and the letter included their Phone Number to contact directly... but calling them CLEARLY DOES NOT WORK. I tried calling their number several times, and each time... it eventually hung up on me. I was NEVER ALLOWED to speak to someone about OPTING OUT of their marketing programs, even through their letter stated I could contact them directly to opt out. In my opinion, Mr Cooper engages in DECEPTIVE practices by using an XXXX XXXX to frustrate consumers and forces them to give up trying. Mr Cooper needs to be investigated, and have their XXXX XXXX  changed to make it clear and simple for a customer to reach an Agent. In fact, all companies in the US should be required to do the same, since many are doing the same type thing. 

I should have been allowed to OPT OUT of their Marketing and SELLING of my personal information, but Mr Cooper seems to purposely prevent me from doing so. They need to be fined accordingly to prevent consumer abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, Wells Fargo made a unliateral decision to close XXXX accounts I had there. The held the funds in XXXX of those accounts for 30 days without case and did not pay the due interest for the illegal XXXX of the funds. The continue to hold the balace af the XXXX additional account illegally and have yet again extended the time the will continue to hold the funds an additional 10 days. As I already filed a complaint about this issue and each time they provide information it is a different excuse for the illegal XXXX of my funds, it is time for the CFPB to fine XXXX, and Wells Fargo for their blatant disregard of refulations and my money including past due interest for the held funds should be returned to me without any firther delay.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am unaware of this XXXX debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not. Please delete the account as soon as possible from my report or I will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NV

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