vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, Equifax and Experian 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. 


These are fraudulent, inaccurate, and false information consists of a personal credit card account opened at 1. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

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 2025-02-08 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: MD

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MS

Complaint narrative:
TransUnion LLC XXXX XXXX XX/XX/XXXXXXXX, PA XXXX Subject : Demand for Immediate Deletion of Inaccurate Accounts Violation of 15 USC 1681i I am writing to formally dispute the inaccurate and incomplete reporting of accounts on my credit file, which you are required to maintain in compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i. I am bringing this to your attention after XXXX and XXXX have already deleted the accounts in question, following a thorough and legitimate investigation of the inaccuracies I disputed with them. 
Account name : XX/XX/XXXX, Account Number : XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXX However, TransUnion has failed to take similar action, continuing to report accounts that are erroneous and unverified. This failure to correct the inaccuracies directly violates my rights under the FCRA, and I demand that these accounts be deleted immediately from my credit report.

Additionally, you may be aware that the Consumer Financial Protection Bureau ( CFPB ) has initiated legal action against both XXXX and XXXX for conducting sham investigations into credit report errors. This ongoing litigation further underscores the serious consequences of failing to properly investigate disputes and make the necessary corrections. The legal actions against XXXX and XXXX highlight the systemic issues at play and the consequences these companies face for not complying with their obligations under the FCRA. 
In light of this, TransUnion 's refusal to delete these accounts despite the clear evidence of error constitutes negligence on your part and a violation of the law. I demand that you immediately delete these accounts from my credit file in accordance with 15 USC 1681i. If the deletion is not completed within 30 days, I will pursue further legal actions, as far as contacting the Office of the Attorney General for your failure to comply with federal credit reporting regulations.

Please send me confirmation in writing once these inaccurate accounts have been deleted from my credit report. Failure to resolve this matter will result in the initiation of further legal actions to hold TransUnion accountable for its refusal to comply with the law. 
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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit report file is missing. They no record and I been getting falsely accused of bad credit. I would like this change immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX for XXXX to Investigate and Respond to XXXX XXXX I am filing a formal complaint against XXXX for its continued failure to properly investigate and respond to my disputes regarding an alleged medical debt from Aargon Collection Agency. Despite multiple disputes submitted over the past year, including documentation directly from the data furnisher, XXXX has refused to take appropriate action. 

Summary of Events : Over the past 12 months, I have submitted multiple disputes to XXXX requesting verification of the validity of a XXXX debt allegedly placed by Aargon Collection Agency. 
I provided supporting documentation from the data furnisher itself, demonstrating errors in the reporting. 
XXXX has failed to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ), and has ignored my requests for clarification. 
Despite my repeated efforts, XXXX has either failed to respond or has provided vague, automated responses without a proper reinvestigation. 

Violations of XXXX Rights : Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and provide a response within 30 days. XXXX has failed to meet this obligation. 
Under 15 U.S. Code 1681e ( b ), XXXX is required to maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. Their failure to investigate properly calls into question their compliance with this requirement. 
The refusal to respond despite receiving direct evidence from the data furnisher constitutes willful noncompliance, making them potentially liable under 15 U.S. Code 1681n. 

XXXX XXXX : A full and proper investigation into the disputed XXXX  debt. 
Removal of the alleged debt from my credit report due to XXXX failure to verify its accuracy. 
A detailed explanation of the procedures used in their previous investigations. 
Compliance with the FCRA in all future disputes. 

I am submitting this complaint because XXXX inaction has caused financial harm by negatively affecting my credit profile. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure compliance with federal law.

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 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got XXXX XXXX XXXX credit card XXXX years ago when I ordered my XXXX XXXX and a set up an auto payment to pay the amount and I did not use the card at all after that. 
Suddenly I am opening the app for the bank and i found the the amount has increased and when i called the bank they told me that the free of interest promotion has indeed XX/XX/XXXX XXXX and the charge me for {$2500.00} for interest and i did not know that and i did not receive any reminder and no one explained this terms and rule to me and i requested to please wave the interest since I called on XX/XX/XXXX and they have a grace period but they refused to help. 
I can not pay the interest as I did not know the rules and nobody explain it to me.

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 monetary relief
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-02-08 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
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 2025-02-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I want to formally file a serious complaint against Beyond Finance for fraudulent, deceptive, and unethical business practices. This company misled me into a predatory debt settlement program by failing to disclose outrageous hidden fees, manipulating financial transactions, and exploiting consumers who are already in vulnerable financial situations. 

Details of My Complaint : XXXX. Lack of Full XXXX & XXXX Fees Beyond Finance never transparently disclosed their 25 % settlement fees on each debt settled. Had I known about this, I would have NEVER agreed to their program. 
The company only provided vague, misleading descriptions of the fees, failing to present them in a clear and prominent manner. 
Their online platform tricks consumers into accepting settlements without explicitly warning that a massive fee will be deducted. 
XXXX. Manipulative & Misleading Communication The representatives failed to properly explain the terms when I signed up. 
When I confronted them, they refused to provide call recordings that would prove I was misled. If they were acting in good faith, they would have no issue releasing these recordings. 
Instead of addressing my concerns, they pressured me to continue payments, even after I expressed my distress over their deceptive tactics. 
XXXX. Unethical XXXX Practices I received an invoice with XXXX full pages of feesnot just settlement fees but additional service fees, XXXX fees, and set-up fees. 
This company is bleeding consumers dry with excessive, undisclosed fees while pretending to help with debt relief. 
Their representatives gave XXXX accountability when I requested a refund and instead blamed me for not reading the fine print. 

Why This Must Be Investigated : Beyond Finance preys on financially struggling individuals by presenting themselves as a debt relief solution while secretly funneling XXXX XXXX XXXX in hidden fees out of their clients accounts. Their lack of transparency, misleading agreements, and refusal to provide call recordings demand a full investigation. 

I am requesting the following actions : An immediate investigation into Beyond Finances business practices. 
A demand for the release of all call recordings for affected customers. 
Full accountability for their deceptive tactics, including potential refunds for affected consumers. 

I am urging your agency to take action before more unsuspecting individuals fall victim to this deceptive and unethical company. 

Please confirm receipt of this complaint and inform me of the next steps in the investigation process. I am more than willing to provide further documentation and evidence if necessary. 
I started with them on XX/XX/XXXX till XX/XX/XXXX The first couple of months they deducted XXXXXXXX XXXX then from XX/XX/XXXX Ive been paying XXXX monthly. Never was I notified of ALL the hidden fees and charges. Ive spent XXXX dollars in just fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 2025-02-08 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit file. The reported late payment associated with XXXX XXXX, account number XXXX, is inaccurate and requires immediate investigation under federal law. 

Pursuant to 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report only accurate information. Additionally, under 15 U.S. Code 1666b and 12 CFR 1026.13, consumers have the right to dispute billing errors, including incorrect late payment reporting. As this late payment was reported in error, I request its immediate removal from my credit report. 

I demand that if unable to do so or lacking proof of these payments being late. Please update my payment history to PAANL ( Paid as agreed never late ) Please conduct an investigation into this matter and provide written confirmation of the correction. If you are unable to verify the accuracy of this late payment, I request its removal per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Please provide a written response within 30 days, as required by law. If you need further information, feel free to contact me at the details above. 

Sincerely, 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 2025-02-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Incorrect Information on My Credit Report Dear Experian, Equifax, TransUnion I recently reviewed my credit report and found incorrect or inaccurate information listed under my personal details. I am requesting that these errors be investigated and corrected. Below are the discrepancies : 1. Incorrect Names Listed My correct name : XXXX XXXX XXXX names that should be removed : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ] 2. Incorrect Addresses Listed My correct current address : [ XXXX XXXX XXXX, XXXX XXXX FL XXXX ] Incorrect addresses that should be removed : [ XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX CT XXXX XXXX FL XXXX, ] 3. Incorrect Employers Listed My correct employer : Self Employed Incorrect employers that should be removed : [ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ] Please find attached copies of supporting documents, a recent utility bill, verifying my correct identity and address. 

I request that you investigate these discrepancies under the Fair Credit Reporting Act ( FCRA ) and provide a written response detailing the corrections. 

Thank you for your prompt attention to this matter. Please notify me when the changes have been made or if additional information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Incorrect Information on My Credit Report Dear Experian, Equifax, TransUnion I recently reviewed my credit report and found incorrect or inaccurate information listed under my personal details. I am requesting that these errors be investigated and corrected. Below are the discrepancies : 1. Incorrect Names Listed My correct name : XXXX XXXX XXXX names that should be removed : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ] 2. Incorrect Addresses Listed My correct current address : [ XXXX XXXX XXXX, XXXX XXXX FL XXXX ] Incorrect addresses that should be removed : [ XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX CT XXXX XXXX FL XXXX, ] 3. Incorrect Employers Listed My correct employer : Self Employed Incorrect employers that should be removed : [ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ] Please find attached copies of supporting documents, a recent utility bill, verifying my correct identity and address. 

I request that you investigate these discrepancies under the Fair Credit Reporting Act ( FCRA ) and provide a written response detailing the corrections. 

Thank you for your prompt attention to this matter. Please notify me when the changes have been made or if additional information is required. 

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