vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My daughter XXXX XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXXy on a full academic scholarship including housing. However, as of XX/XX/XXXX I started receiving a bill for {$640.00}. After countless phone calls and emails, XXXX XXXX XXXX realized their mistake and fixed it on the universities end. However, it is still showing on my credit report and affecting my score monthly. I have an email proving that what I am sharing is the truth. Please see below an email from XX/XX/XXXX stating that they would contact the credit bureaus, but a year later it is still on my report. 



-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX Subject : Re : *URGENT!! * Bill Concern - Immediate Action Required To : XXXX XXXX XXXX CC : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Financial Aid XXXX, The Office of Residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX there XXXX XXXX, We hope this email finds you well and cool during this heatwave.

We're pleased to inform you that, as of earlier today, a budget transfer has been initiated to resolve your {$640.00} housing bill. XXXX XXXX has confirmed they will take steps to address the negative impact this has had on your credit report. 
Dining Dollars Inquiry and Scholarship Funds : We reviewed our records and found a response from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding your inquiry about meal plans ( see attached screenshot ). As noted in previous communications, scholarship recipients are not entitled to receive refunds from their scholarship awards. There are very strict limitations on state-funded scholarships, including the book grant and meal plan/dining dollars you mentioned.

We are committed to resolving these matters and it is our hope that the rest of the process will move forward swiftly. 





Respectfully, XXXX XXXX XXXX XXXX Doctoral Candidate Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX Office

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 2025-03-12 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: MD

Complaint narrative:
My daughter XXXX XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXXy on a full academic scholarship including housing. However, as of XX/XX/XXXX I started receiving a bill for {$640.00}. After countless phone calls and emails, XXXX XXXX XXXX realized their mistake and fixed it on the universities end. However, it is still showing on my credit report and affecting my score monthly. I have an email proving that what I am sharing is the truth. Please see below an email from XX/XX/XXXX stating that they would contact the credit bureaus, but a year later it is still on my report. 



-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX Subject : Re : *URGENT!! * Bill Concern - Immediate Action Required To : XXXX XXXX XXXX CC : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Financial Aid XXXX, The Office of Residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX there XXXX XXXX, We hope this email finds you well and cool during this heatwave.

We're pleased to inform you that, as of earlier today, a budget transfer has been initiated to resolve your {$640.00} housing bill. XXXX XXXX has confirmed they will take steps to address the negative impact this has had on your credit report. 
Dining Dollars Inquiry and Scholarship Funds : We reviewed our records and found a response from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding your inquiry about meal plans ( see attached screenshot ). As noted in previous communications, scholarship recipients are not entitled to receive refunds from their scholarship awards. There are very strict limitations on state-funded scholarships, including the book grant and meal plan/dining dollars you mentioned.

We are committed to resolving these matters and it is our hope that the rest of the process will move forward swiftly. 





Respectfully, XXXX XXXX XXXX XXXX Doctoral Candidate Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX Office

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Pulled Credit Report & Debt Reporting is not familiar to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Im writing because Ive discovered an inquiry on my credit report from a company that I have never given permission to pull my credit. This is completely unauthorized, and Im honestly frustrated that something like this is showing up on my account.

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 2025-03-12 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: IL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I've tried to explain to Lexis Nexis, both verbally of the phone and via email written documents that I've just recently moved! I had not owned a car in several years, but just bought one, a XXXX XXXX XXXX, when I arrived at my new residence in XXXX XXXX, Texas. 

When I applied for auto insurance, I discovered that ALL three of my past accidents were marked as MY fault! Only XXXX of the accidents was my fault! 

Lexis Nexis refuses to release my accident report history to me, saying that it doesn't recognize me! I've sent them a copy of my new lease, which they ignored, and in stead sent me a letter/form to fill out detailing my identity documents! 

I just tried to do this online, at their portal! The below is the FAILED result!!! 

I managed to send the below, sans ANY attached documents, to Lexis Nexis! 

I'm attempting to supply Lexis Nexis with my required/requested documentation : California Drivers License - front and back, Passport, Social Security card! These files are ALL under XXXX XXXX  and are either XXXX  or XXXX  files!!! Your " wonderful app '' keeps rejecting ALL XXXX files!!! I used the XXXX option to load the XXXX files. all at XXXX time. As I've ALREDY shared with you, I just moved, in XXXX 2025 time frame from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX XXXX!! 

So, I DON '' T HAVE ANY UTILITY BILLS YET!!! Because of WRONG info that you have, I'm being charged a high auto ins rate!!! BUT you refuse to give me access, NOR allow me to input Identity docs, via your " wonderful app ''!!! I'm taking legal action to stop this!!! 

I'm attempting to send a SINGLE ID XXXX  file to you now, CANT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Account was included in XXXX, remove immediately for inaccuracy. I sent you proof directly from the creditor that this would be removed and does not belong on my credit report, but I am still seeing it listed! Remove this account immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-12 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: TX

Complaint narrative:
Account was included in XXXX, remove immediately for inaccuracy. I sent you proof directly from the creditor that this would be removed and does not belong on my credit report, but I am still seeing it listed! Remove this account immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
15 USC 1681Q Fair Credit Reporting Act. If any person without permissible purpose furnishes information of another person, they are committing identity theft. My permissible purpose was not giving.

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 2025-03-12 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: TX

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX XXXX Social Security XXXX : SS # XXXX Date of Birth : XXXX  Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I am submitting this formal complaint regarding an inaccurate collection account that appears on my credit report. Despite my dispute with TransUnion, the information has not been corrected or removed, and the matter involves violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically outlined in 15 U.S.C. 1692. 

The account in question is from XXXX XXXX XXXX, a collection agency that has reported erroneous information on my credit file. I formally disputed this account with TransUnion, providing evidence that the information is inaccurate and that the debt does not meet legal reporting requirements. However, despite my request for proper validation, TransUnion has failed to remove or correct the inaccurate information, thereby allowing a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA to persist. 

Specifically, XXXX XXXX XXXX has failed to provide adequate documentation proving the validity of the alleged debt and has continued to report erroneous information without proper verification. This action is in direct violation of 15 U.S.C. 1692e and 15 U.S.C. 1692g, which require debt collectors to provide proper validation of a debt upon request and prohibit the use of false or misleading information. 

I request the CFPB to take immediate action to investigate this matter and ensure compliance with federal law. I also urge you to hold TransUnion and XXXX XXXX XXXX accountable for their failure to adhere to legal requirements. Please provide me with an update regarding the actions that will be taken to address my complaint. 

Attached are copies of my dispute letter to TransUnion, their response ( if any ), and any supporting documents demonstrating the inaccuracy of the collection account. Please let me know if additional information is required. 

Thank you for your time and assistance in resolving this matter. I look forward to your prompt response.

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 2025-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX TransUnion XXXX XXXX 2000, XXXX XXXX PA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear, Transunion, XXXX XXXX XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several open accountsthat I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized Identity theft late payment accountare as follows : Please Remove Fraudulent Account immediately : XXXX XXXX XXXX credit card Account number : XXXX Date reported XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

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 explanation
Consumer complaint received 2025-03-12 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: IN

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 explanation
Consumer complaint received 2025-03-12 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: IN

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 2025-03-12 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist bank closed my accounts around second week of XXXX i had a balance of over {$9300.00} in them, i called, and they said they would send me a check or refund the last wire transfer that came in .. i agreed to that. 
Since then, i havent received any letters or checks from them about the money they sent me a request form that i should Authorize refund, i said NO, they should send me check instead as they have decided to close the account. 
Till date, no checks came.

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 2025-03-12 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: EQUIFAX, INC.
State: FL

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 :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

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 explanation
Consumer complaint received 2025-03-12 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, 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 response to consumer: Closed with non-monetary relief