vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
I, XXXX XXXX swear that the information below is identity theft and fraudulent, as a result of Identity Theft, as a result of XXXX XXXX XXXX. The derogatory information reflected in my credit report under my SSN. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been impacted and I am demanding that the items be removed from my credit profile immediately. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX. XXXX  XXXXXXXX XXXX XXXX XXXXXXXX : {$71.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX : # XXXX : {$2500.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX : {$750.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX : {$460.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$71.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : # XXXX : {$350.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$1600.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$77.00} : XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
I am reporting XXXX for the following : XXXX. * Denial of detailed account information ( despite formal and personal requests ). 
XXXX. * Blocking of accounts to prevent payments. 
XXXX. * Illegal vehicle repossession. 
XXXX. * Causing hardship and abuse to their customers. 

Complaint Summary : On XX/XX/XXXX, I entered into a loan agreement with XXXX XXXX. 

In XX/XX/XXXX, I fell behind on my monthly payment XXXX  Month and called to request a payment arrangement, explaining that medical reasons in my family had prevented me from working in XXXX. Since then, I have experienced a series of illegal and abusive actions by XXXX XXXX, including : * Violation of Payment Agreement : On XX/XX/XXXX, I made a payment of {$210.00}, and it was agreed that the next payment would be on XX/XX/XXXX, with the remaining balance to be added to the end of the loan. However, XXXX XXXX blocked my account and prevented me from making further payments. 
* Abusive Collection Practices : I have received threatening phone calls demanding immediate payment, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
* Denial of XXXX : Since XXXX, XX/XX/XXXX, I requested information about my account balance and attempted to make payments. However, I was informed that my account was blocked for payments and was denied account balance information even on XX/XX/XXXX when was my second attempt cash payment as instructed. 
* Illegal Repossession : My vehicle was repossessed on XX/XX/XXXX, without proper notice and despite having a valid payment agreement. 

* Refusal to Provide Information : XXXX XXXX has refused to provide accurate and detailed information about my account, outstanding balance, and repossession process. 
* Demand for XXXX XXXX : XXXX XXXX demanded a cash payment of over {$1200.00} for the return of my vehicle, which is unusual and suspicious. 

* Discrepancy in Amount Owed : There is a significant discrepancy between the amount owed according to my payment agreement and the amount XXXX XXXX demanded for vehicle recovery. The only documents I received from XXXX were XXXX certified letters demanding payment of {$14000.00} within XXXX  days or my vehicle would be sold. They never gave me the correct detailed amount which was {$1200.00}. 

I believe XXXX XXXXXXXX XXXX actions violate the following laws : * Fair Debt Collection Practices Act ( FDCPA ) * Fair Credit Reporting Act ( FCRA ) * Truth in Lending Act ( TILA ) * XXXX XXXX XXXX ( XXXX  ) * XXXX XXXX XXXX XXXX XXXX ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an installment loan opened at XXXX on XX/XX/year>, under the account number XXXX. This account has 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 XXXX 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 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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: AL

Complaint narrative:
This was an old debt with XXXX XXXX XXXX XXXX, I paid the debt off through Elan Financial Services around XX/XX/year>.

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 2025-03-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
When I returned my rental car to the rental agency on XX/XX/year>, I was scammed by the rental agency, and charged a cleaning fee of {$100.00} USD ( inclusive of taxes ). I did not approve, or authorize the charge because when I returned the vehicle it had been thoroughly cleaned, and was NOT at all dirty. 
I contacted the credit card company upon returning home, and filed a dispute regarding the charge, communicating that the charge was fraudulent, unjustified and unauthorized. 
I even took video of the vehicle at the rental agency location when I returned it which clearly showed that the vehicle was clean, and in no way dirty. 
However, the online dispute process with my credit card company did not allow the ability to upload the video as proof of the condition of the vehicle. 
I provided the credit card company with the proof of payment, and charges I received from the rental car company ( the invoice ), but the credit card company ultimately notified me that the dispute was closed, and resolved against me/not in my favor providing a generic response stating that merchants sometimes charge for additional charges such as a cleaning fee during a rental. Again the cleaning fee was fraudulent, unjustified and unauthorized being that the vehicle was clean when it was returned. 
The credit card company also claimed that I did not provide them with a valid credit slip when in fact I uploaded the invoice the rental car company provided me with at the time I returned the rental car. 
I am including a few pictures of the vehicle showing that it was clean, but I can also provide the video which shows the entirety of the vehicle if needed.

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 2025-03-17 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: VA

Complaint narrative:
I have submitted online disputes on my bankruptcy filing as it reached 7 years in 2024 and should have come off my report. Experian and Transunion stated that they concluded their investigation but will not remove the public record on my record which is illegal as public records are only supposed to stay on your report for 7 years.

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 2025-03-17 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: MI

Complaint narrative:
I am filing a complaint against all credit bureaus Experian, TransUnion, and Equifax. They are failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, all three are responding within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FRCA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, all three bureaus ' actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 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 for the CFPB to take action against XXXX, TransUnion, and XXXX to ensure they comply with federal law and provides consumers with the necessary proof of investigation. The accounts are as follows : XXXX XXXX XXXX ( Collections ) Fraudulent Account I did not live there, and this was taken out in my name. Account # XXXX Amounts reporting {$1600.00}, and {$1600.00}. 

XXXX XXXX ( No knowledge of this information or account as it is a fraud as well. Account XXXX XXXX  XXXX XXXX XXXX past due of {$19.00}. I have no credit cards that says this name.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to formally dispute an inaccurate account on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The details of the disputed account are as follows : Creditor Name : Credence Account Number : XXXX The reason for my dispute is that this account is associated with scam and fraud. I have reviewed my credit report and confirmed that this information is incorrect and does not belong to me. Therefore, I am requesting that this account be immediately removed from my credit file. 

Please conduct a thorough investigation into this matter and provide me with the results. If you are unable to verify the accuracy of this account, I expect it to be deleted from my credit report in accordance with FCRA regulations. Additionally, I request that you send me an updated copy of my credit report reflecting these corrections. 

I have attached a copy of my identification and any supporting documentation to assist in resolving this dispute. If you need further information, please feel free to contact me using the details provided above. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe of 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
According to the IRS an unpaid charge off is considered as INCOME and according to the FCRA income CAN NOT be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off/settled for less accounts listed below. 

XXXX XXXX XXXX- Account # XXXX date updated as XXXX XXXXXX/XX/year> XXXX XXXX XXXX-Account # XXXX date updated as XXXX XX/XX/year> XXXX # XXXXlast date updated as XXXX XXXXXX/XX/year> After checking my most current reports the updated information stated these accounts are still being reported. These accounts can not be reported as a CHARGE OFF/SETTLED FOR LESS on my credit report. Please CEASE the reporting and DELETE these accounts that are associated as charge offs/settled for less from all bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
According to the IRS an unpaid charge off is considered as INCOME and according to the FCRA income CAN NOT be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off/settled for less accounts listed below. 

XXXX XXXX XXXX- Account # XXXX date updated as XXXX XXXXXX/XX/year> XXXX XXXX XXXX-Account # XXXX date updated as XXXX XX/XX/year> XXXX # XXXXlast date updated as XXXX XXXXXX/XX/year> After checking my most current reports the updated information stated these accounts are still being reported. These accounts can not be reported as a CHARGE OFF/SETTLED FOR LESS on my credit report. Please CEASE the reporting and DELETE these accounts that are associated as charge offs/settled for less from all bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: VA

Complaint narrative:
I have submitted online disputes on my bankruptcy filing as it reached 7 years in 2024 and should have come off my report. Experian and Transunion stated that they concluded their investigation but will not remove the public record on my record which is illegal as public records are only supposed to stay on your report for 7 years.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/year>, I discovered TransUnion Consumer Solutions was reporting an unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite attempts to resolve this issue directly with TransUnion Consumer Solutions, they continue to report erroneously, and the information remains inaccurate, which detrimentally, and adversely affects my creditworthiness. 

I am writing to formally dispute the inaccurate reporting of my federal student loans on my credit report. According to my most recent credit report, TransUnion Consumer Solutions has incorrectly reported my student loans from the U.S. Department of Education as being discharged under Chapter XXXX bankruptcy. This information is incorrect. 

The fact is that my federal student loans were discharged through the U.S. Department of Educations Total and Permanent Disability ( TPD ) discharge process. As a result of this discharge, my obligation to repay my Federal Student Aid loans has been fully canceled, independent of any bankruptcy proceedings.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account with XXXX XXXX opened on XX/XX/year> Hard inquiry inquired with XXXX XXXXXXXX XXXX on XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-17 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
PLEASE CHECK THE INFORMATION CONERNING THE XXXX DATA BREACH ATTACHMENTS BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-03-17 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
PLEASE CHECK THE INFORMATION CONCERNING THE XXXX DATA BREACH BELOW IN ATTACHMENTS

Company response to consumer: Closed with explanation