vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 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 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 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 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to request assistance in resolving a dispute on my Fifth Third Credit Card. On XX/XX/XXXX, I reserved a hotel room in XXXX XXXX, FL for a conference. I used a third-party website to make the reservation, and when I received the electronic receipt realized that a huge number of additional fees had been applied to the charge, such that the total charge was {$2000.00}. I immediately tried to cancel the reservation and received a receipt ( see attachment 1 ) that documents that I had done so on XX/XX/XXXX. This receipt also specifies that there would be a free cancellation before XX/XX/year>. This charge was not, however, removed from my credit card. 
I then initiated a dispute through Fifth Thirds dispute resolution line. I explained that I had canceled the reservation and had not received a refund. I was informed that the dispute resolution could take up to 30 days. On XX/XX/XXXX, I received a text referencing my reservation number ( XXXX ) stating that my refund was being processed and that it could take 2-10 days to see the funds in my account ( see attachment 2 ). On XX/XX/XXXX a credit was applied to my account for the {$2000.00} ( see attachment 3 ). On the same date a credit of {$53.00} was applied with the note Dispute Resolved. 
On XX/XX/XXXX I was recharged for this amount ( see attachment 3 ). I again contacted Fifth Thirds dispute resolution team and on the phone was informed that the charge was considered legitimate and the credit to my account on XX/XX/XXXX had only been applied while the dispute was under review and that now that it had been resolved in the vendors favor, I was being recharged. I stated that I wanted this dispute to be reopened and that I wanted to be able to send documentation of the fact that I canceled this reservation well before the deadline. I was provided with Fifth Thirds dispute e-mail and sent an e-mail providing the receipt ( attachment 1 ) and the text ( attachment 2 ) on XX/XX/XXXX ( see attachment 4 ). On XX/XX/XXXX I received written correspondence from Fifth Third bank that they had again found the charge legitimate and resolved the dispute in the vendors favor due to documentation provided by the vendor, which was included with the correspondence ( see attachment 5 ). Pages 5-11 of this correspondence appears to document a charge and provide a receipt very similar to the one I received ( and provided as attachment 1 ), but it is for a XXXX XXXX for different nights and at a different location. 
Please let me know if there is additional information I can provide and what the next steps will be in getting this charge removed fully from my credit card. 

Best, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
MY X OPENED THIS ACCOUNY IN MY NAME WITH MY DOCUEMTNS & ID I HAD NO IDEA THIS TOOK PLACE UNTIL A FEW YRS AGO AFTER WE HAD A BAD BREAKUP, I FILED A COMPLAINT WITH BBB ALREADY WRITTEN 100 'S OF LETTERS TO ALL 3 BUREAUS THIS ACCOUNT HAS BEEN OPENED SINCE 2017 THEY ARE RUINING MY LIFE/CREDIT. I NEVER MADEA PAYMENT TO THIS ACCOUNT NOR CAN THEY PROVE IT WAS ME I NEVER EVER AUTHORIZED THIS ACCOUNT NOR DID I EVER SIGN ANYTHING, I NEVER KNEW THIS WAS IN MY NAME UNTIL AFTER ME & MY X BROKE UP.. 

I WANT THIS REMOVED OFF MY CREDIT REPORT WITH EQUIFAX I WANT TO BUY A HOME AND CAN'T DUE TO THIS BEING ON MY CREDIT REPORTING LATE EVERY MONTH THEY TOOK POSSESION OF THE CAR OVER XXXX AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : * BANK XXXX XXXX : XXXX PLEASE DELETE ALL XXXX REPORTED IN THE PROBLEM * XXXX BANK : XXXX PLEASE DELETE ALL XXXX REPORTED IN THE PROBLEM I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. 

* Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
* Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 


Under the FCRA, I am requesting : * Immediate investigation into the disputed items listed above. 
* Removal or correction of the inaccurate information. 
* An updated copy of my credit report reflecting these corrections. 

I have attached copies of supporting documentation to aid in your investigation, including : * A copy of my credit report highlighting the disputed items. 
* Documentation supporting my claim of inaccuracy. 


Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX opened on XX/XX/XXXX XXXX {$330.00} opened on XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX {$1300.00} opened XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX ( this is listed twice ) XXXX XXXX {$1400.00} opened XX/XX/XXXX XXXX  XXXX {$530.00} opened XX/XX/XXXX 2022

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 2025-01-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters , L.L.C XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Collection Account Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the validity of a collection account appearing on my credit report. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1692g, 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, and 15 U.S.C. 1681c-2, I am requesting the removal of this erroneous item. 

The account in question is as follows : Creditor Name : National Credit Adjusters , L.L.C Account Number : XXXX Date of Alleged Debt : XX/XX/year> Amount : {$310.00} Pursuant to 15 U.S.C. 1692g, I am requesting validation of this debt. If the debt collector can not provide sufficient proof, they must cease collection activities and remove the account from my credit report. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to provide accurate reporting. If this account is erroneous or unverifiable, it must be deleted immediately. 

Furthermore, under 15 U.S.C. 1681i, I am requesting an investigation into this matter. I demand that this account be removed unless proper validation is provided. If this debt has been paid, settled, or does not belong to me, I request its deletion in accordance with 15 U.S.C. 1681c-2, which mandates that adverse information resulting from identity theft or errors must be corrected immediately.

Please provide me with a written response detailing the results of your investigation within the legally required timeframe. If the disputed information can not be verified, it must be removed from my credit report. 



Failure to comply with federal law may result in legal action against your company. I expect prompt attention to this matter and appreciate your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-01-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-01-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-29 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-01-29 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
Hello, In XXXX, Mohela sent an email that I would be receiving my tax document for XXXX student loans. They also gave the option to go paperless. When you click on the button, the page is not found. I have already repeatedly called and my attempts to reach a live person over the phone or via email has been unsuccessful. I tried to create an account, and my information can not be found. When I logged into Aidvantage - there are no tax documents to be found. I do need assistance to make sure this is not a scam, and I need my tax document, as I have an upcoming tax appointment, where this information is required to file.

Company response to consumer: Closed with explanation