vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX * the account is showing late payment on TransUnion only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only Credit Card account XXXX at XXXX  XXXX on XX/XX/XXXX account number XXXX * * * * * * the account is showing late payment on Experian and Equifax only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * the account is showing late payment on Experian only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only XXXX account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is shown in collection and showing late payment history on Equifax only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * the account is showing late payment on Experian and Equifax only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only XXXX Loan account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX * * * * * * * the account is showing late payment on Experian and Equifax only XXXX account opened at XXXX XXXX I on XX/XX/XXXX account number XXXX * * * * * * * * * * * * * * the account is shown in collection on Equifax only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian and Equifax only which is being inconsistently reported among the national credit bureaus 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 2025-05-22 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: TX

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'Upon checking my XXXX  reports I see that XXXX XXXX has opened an account in XXXX XXXX XXXX that does not belong to me. I have reported this account. I have spoken to the company who was no help, I demand this account be removed from my credit report as I continue to report this to the FTC, local enforcement, and the cfpb.'

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 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I have called Aidvantage multiple times this month on XX/XX/year> XX/XX/year> and XX/XX/year> with no resolution. I have spoke to different representatives about having them provide me with formal notice or letter confirming the transfer of my student loans to another servicer. This kind of documentation is crucial for Disputing duplicate reporting on my credit report. I have been told they will mail out this information and nothing has been received on my end. The last representative I spoke with stated this would be emailed to be within XXXX hours and nothing has been emailed to me. This formal notice or letter is needed to provide this to As proof to credit bureaus or other lenders. I am in the middle of buying a home as well and on my credit report this is showing as double reporting and I need this documentation to provide the three credit bureaus to file a dispute to get this information corrected on my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year> I received several phone calls from XXXX XXXX, however I did not think they were legitimate since I have never done any business with them. I looked them up and noticed they were a collection agency. I contacted them on XX/XX/year> requesting debt validation at which they stated they would comply. However, I then began to receive letters/notices stating this is an attempt to collect a debt, any information obtained will be used to collect this debt. I decided not to respond since my original letter states, I will require 30 days to investigate this information. In addition to their email explicitly stating they will use information given after my request for verification. If I am correct, their actions after receiving my debt verification request letter violates my rights provided within the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at Dept Of Ed on XX/XX/XXXX under the account number XXXX with a balance of {$3600.00}, another student loan also opened at Dept Of Ed on XX/XX/XXXX under the same account number XXXX with a balance of {$3600.00}, and a credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
I reported fraudulent activity on my account. The creditor never thoroughly investigate my claim. They charged off the account and sold it to a third party. See attachment for a copy of the reported file 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 2025-05-23 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: NY

Complaint narrative:
I reported fraudulent activity on my account. The creditor never thoroughly investigate my claim. They charged off the account and sold it to a third party. See attachment for a copy of the reported file on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
I reported fraudulent activity on my account. The creditor never thoroughly investigate my claim. They charged off the account and sold it to a third party. See attachment for a copy of the reported file 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 non-monetary relief
Consumer complaint received 2025-05-22 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 a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I opened a Cashback Checking Account with Upgrade , Inc. and had consistently received monthly cashback rewards without issue. My XXXX cashback was due on or around XX/XX/year>, but as of XX/XX/XXXX, it had not been credited. I contacted support and was told there was a system glitch, but I was never notified about it proactively. I submitted a formal complaint through their in-app support, requesting my rewards and a goodwill credit due to the delay and lack of communication. 

Instead of resolving the issue, Upgrade suspended my account without warning or valid explanation. I now have no access to my account or funds, and this appears retaliatory in nature, following my formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: IL

Complaint narrative:
At the end of last year, somebody accessed my XXXX account and began to transfer money into the account from several of my banking accounts. They locked me out of the account, so I could not access it, and they continued to attempt to transfer more money into my account. 

I have already reported this, but XXXX continues to harass me through Cedar Business Services. Other banks have also verified that the transfers were made from several banking institutions into my XXXX account, as these banking accounts ( XXXX, XXXXXXXX XXXX XXXX XXXX ) were linked in the app. Without my permission, large amounts of money were transferred into the account ( much more money than I even had in my account ). I immediately attempted to log in to my XXXX account, but my login information did not work. When I tried to recover this information, my email address was not recognized. It was clear that somebody had accessed my account and changed all of the user information. After I saw these alerts pop up, I contacted my banks and let them know that somebody had access to my accounts. Both XXXX and XXXX investigated the matter and determined that these were fraudulent transfers. I have attached that documentation. XXXX never responded to my initial complaint, and they continue to harass me. They just keep switching to different collection services after the other ones have been canceled, since it was determined that I did not make any of the transactions. I also have many email communications from XXXX ( who connected the XXXX account to my bank ) apologizing for the fraudulent activity, since it was not approved by me. Can you please help me with this harassment and get Cedar Business ServicesXXXX to stop contacting me? Thank you in advance.

Company response to consumer: Closed with explanation