vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

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 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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: IA

Complaint narrative:
Unifin contacted me by text message informing me they were attempting to collect a debt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I checked the account number they sent me on their website and it was clear that they had found a person with a similar but not identical name to harass. They are clearly looking for a female with a similar first name and same last name as mine. However, I am male, and completely unrelated in any way to the person they are attempting to contact. 

I contacted Unifin by phone to inform them of their error on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On each occasion I was told my number would be removed from their system. On XX/XX/XXXX I specifically informed a manager at Unifin on a recorded line that if I received another electronic communication, I would file complaints with the FTC, the CFPB, and the Attorney General 's offices of both Iowa ( my state of residence ) and Illinois ( the state in which Unifin is headquartered ) under the rights afforded to me by the Fair Debt Collections Practices Act. 

I neither confirm nor dispute the debt owed to Unifin, the amount owed, or Unifin 's right to attempt to collect it. That is between Unifin and the debtor. 

I simply affirm that Unifin has mistaken my identity for that of the debtor and refuses to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, PenFed Credit Union made an authorized transfer of {$480.00} from my savings account to pay another account. This transfer left me with an available balance of {$5.00}. 
I did not authorize this transfer. This will cause my account to be charged late and/or delinquent fees for upcoming transactions. 

Complaint simultaneously submitted to NCUA Case Number 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 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my Student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: SC

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 explanation
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-10 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 2025-04-10 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 2025-04-10 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. 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 DEPARTMENT OF EDUCATION {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA WITHOUT ORIGINAL SIGNATURE OR VERIFICATION USED THIS WILL BE FINED PER XXXX XXXX XXXX XXXX ARIZONA XXXX PER POLICE 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 2025-04-10 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: TX

Complaint narrative:
I reviewed a copy of my credit report and noticed some accounts that were reporting improperly I reached out to these companies and asked them to update the accounts they said they would however they have not after receiving the correct information PLEASE UPDATE THE FOLLOWING ACCOUNTS AS FOLLOWS XXXX XXXX XXXX # XXXX Paid in full & please delete this account from my report immediately XXXX This account was and has never been late Please update to paid as agreed and no late payments!!!

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 2025-04-10 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Repossession Reporting on Credit Reports To Whom It May Concern, I am writing to formally dispute the accuracy of a repossession entry reported by XXXX XXXX XXXX on my credit reports with Experian, Equifax, and TransUnion. This entry pertains to an auto loan for a XXXX XXXX XXXX, which was opened on XX/XX/XXXX, and is currently listed as Paid and Closed as of XX/XX/XXXX. 

Background : In XX/XX/XXXX, my vehicle was repossessed due to missed payments. However, I paid the full remaining balance within 30 days of the repossession, and the vehicle was returned to me. Subsequently, I received the title from the bank, indicating that I am the sole owner with no lienholder. 

Dispute Details : Despite the prompt resolution and full payment, the repossession is still reflected on my credit reports. I believe this is inaccurate and misleading for the following reasons : 1. Timely Resolution : The debt was paid in full within 30 days of the repossession, and the vehicle was returned to me.

2. Ownership Confirmation : I possess the title to the vehicle, confirming that there is no outstanding lien.

3. Account Status : The account is marked as Paid and Closed on my credit reports, yet the repossession entry remains.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to provide accurate information. Reporting a repossession without acknowledging the prompt full payment and return of the vehicle does not present a complete and accurate picture of the accounts history. 

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that credit reporting agencies must conduct a reasonable reinvestigation if a consumer disputes the accuracy of information. Given the circumstances, the continued reporting of the repossession without context is misleading and potentially damaging to my creditworthiness.

I have attached the following documents to support my dispute : A copy of the vehicle title, indicating my sole ownership.

Screenshots from my credit reports showing the account as Paid and Closed. 
Payment confirmation receipts detailing the full payment made within 30 days of the repossession. 

I appreciate your prompt attention to this matter and look forward to a resolution that accurately reflects my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MO

Complaint narrative:
On XX/XX/XXXX I had a conversation with Experian about all of the inquiries on my report and told them they need to remove them because I didn't authorize them under fcra 604 and 609 and she wanted to argue with me and argue with me instead of doing her job

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 2025-04-10 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: NJ

Complaint narrative:
TransUnion is reporting an inaccurate late payment on my XXXX XXXX account for XX/XX/year>, even though I was never late. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), which excludes transactions or experiences between a consumer and a " person '' from being included in a consumer report. TransUnion is considered a person under 15 U.S.C. 1681a ( b ). Reporting this late payment is inaccurate, legally excluded, and violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing data known to be false. It also conflicts with 15 U.S.C. 1666b regarding credit card payment timing. I never gave written consent to report this information, violating 15 U.S.C. 1681b and 6802 of the Gramm-Leach-Bliley Act. Im demanding that TransUnion update this account to paid on time, never late and issue an updated credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-04-10 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: MOHELA
State: GA

Complaint narrative:
I filed a dispute on Account number XXXX, Mohela due to late payments being reported inaccurately on my credit report. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against XXXX. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house and car. XXXX violates my rights as a consumer, as well as federal laws. This negative item does not meet the FCA reporting requirements. I do not recognize how and why it is reporting. Delete immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-04-10 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 dispute the inaccurate and fraudulent information being reported on my credit report and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. Under this statute, if I report to you that an account is fraudulent, you are required to remove it from my credit report within a reasonable time frame.

It has come to my attention that certain fraudulent accounts are still being reported under my name and Social Security Number, despite my previous notification to you regarding these fraudulent activities. I have already submitted proper documentation indicating that these accounts were opened as a result of identity theft, and they should not be appearing on my credit report.

Under FCRA 605B, once I have reported an account as fraudulent, it is your legal responsibility to remove it from my credit file within a reasonable period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
XXXX advertised financing at 2.99 % for 60 months. On XX/XX/year> I submitted a credit application under those terms to Hyundai Motor Finance as a co-signer for a loan for my son to purchase a new XXXX vehicle My son is finishing school and does not have a work history or a job, which is the reason I was a co-signer. .Because the loan was denied, I applied for a loan with XXXX XX/XX/XXXXXXXX XXXX XXXX as a co-signer for a loan at 5.99 % financing for 60 months which was approved. I called the phone number in the denial of credit notice from Hyundai Motor Finance dated XX/XX/year> and was advised that the loan was denied because my son did not currently have any income, even though their notice confirms that I have an XXXX XXXX XXXX. 
The advertising of 2.99 % financing for 60 months by Hyundai Motor Finance was fraudulent required that we post a larger down payment to reduce monthly payments and has caused me to incur additional interest expense.

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 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: EQUIFAX, INC.
State: CA

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 XXXX : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief