vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: NM

Complaint narrative:
This account does not belong to me. Its been incorrectly mixed into my credit report and is clearly someone elses responsibility. I have no connection to it whatsoever.

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 2025-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This account was affected during the COVID-19 financial crisis and has been fully resolved. I am working to rebuild my banking relationships and request a second look. It's affecting my ability to open an account with other banks because of what Bank of America has in Chex systems even after i fully paid 4yrs ago, after pandemic

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to formally dispute several inaccurate items on my credit report under my rights granted by 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). These laws require that the information reported by credit bureaus is accurate, complete, and verified. Upon reviewing my credit report, I have found the following discrepancies that require immediate correction : 1 incorrect balance, late payment reported in error, account status incorrect, Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to provide accurate information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Since the information listed above is inaccurate, I demand that these errors be investigated and corrected immediately. Please conduct a thorough reinvestigation of these accounts and provide me with written confirmation of the results. If the disputed items can not be verified, they must be deleted as required by law. Additionally, I request that you provide me with an updated credit report reflecting these corrections. The amount is 581 they never corrected or provided and written documentation If you fail to correct these inaccuracies, I am prepared to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My private data such name, Social Security number, address, loan information, income, and loan details was accessed, exposed, and used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: UT

Complaint narrative:
I'm reaching out because there is incorrect information showing up on my credit report, and it needs to be addressed immediately. Specifically, there are fraudulent accounts that were opened online without my knowledge or consent. I did not authorize them, Im not affiliated with them, and I want them removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2025-04-15 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXX/XX/XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I have never received anything in response to my dispute no written response to the quality of the investigation I've been completely ignored and I have noticed that my credit scores have even been attacked lately because of my disputes so I'm filing this under 15 USC 1692 d, e and f which is self explanatory I am holding these agencies accountable for all their misdeeds in accuracies not taking care of misinformation not taking care of inaccurate information and quotes just to name a few no response to any disputes in writing letting you know about the investigation at all these companies have completely taken advantage of 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 explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I have never received anything in response to my dispute no written response to the quality of the investigation I've been completely ignored and I have noticed that my credit scores have even been attacked lately because of my disputes so I'm filing this under 15 USC 1692 d, e and f which is self explanatory I am holding these agencies accountable for all their misdeeds in accuracies not taking care of misinformation not taking care of inaccurate information and quotes just to name a few no response to any disputes in writing letting you know about the investigation at all these companies have completely taken advantage of me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
Im reaching out to request confirmation that all of the data associated with this account is fully and rightfully mine. This includes any personal information, usage history, content, files, or any other data tied to the account. Its important to me that there's complete clarity and assurance that no third-party data or mistakenly linked information is attached to it. I need to be absolutely certain that everything under this account is, without exception, my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
I am a victim of identity theft and filed an FTC Identity Theft Report ( XXXX XXXX XXXX XXXX Several unauthorized or unverified accounts have been added to my credit reports across Experian, Equifax, and TransUnion. These include debts I do not recognize or owe, and despite disputes and an active fraud alert, some accounts were only updated instead of deleted. I requested verification but have not received proof of ownership or valid documentation. The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are the result of identity misuse and are damaging my ability to rebuild. I am requesting full investigation and immediate removal under FCRA and FDCPA.

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 2025-04-15 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: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several incorrect accounts, including the XXXX XXXX  ( Account Number : XXXX ) reported by Equifax. Equifax lists it as Derogatory with late payments continuing through XX/XX/XXXX, despite the account being settled on XX/XX/XXXX, as correctly shown by XXXX  and XXXX  as XXXX ( see Attachment XXXX ). I was helping XXXX XXXX through a XXXX  during this time, and XXXX XXXX didnt send timely billing statements, violating 15 U.S. Code 1666b. These errors are adversely affecting my credit report, costing me thousands of dollars in interest every year. It is my understanding that Equifax must investigate these items to ensure accuracy. 
Equifaxs inaccurate reporting violates FCRA, 15 U.S. Code 1681e ( b ), which requires reasonable procedures for accuracy. Under 15 U.S. Code 1681i, Equifax must investigate and correct or remove unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXX XXXX -Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX -. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding an unresolved dispute that has placed me in a severe financial crisis. 

In XX/XX/2025, I initiated a dispute over a fraudulent XXXX transaction where I paid {$6300.00} for an item I did not receive. Despite my efforts to resolve the issue with XXXX, XXXX, and Huntington bank, and as of today, I have yet to receive any reimbursement, item located, or a clear timeline for resolution. XXXX sided with the seller, leaving me with no recourse through their system. 

This unresolved issue has resulted in significant financial hardship. I recently moved into a new apartment, and due to the frozen funds, I have been unable to pay my rent or cover basic living expenses. Due to an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and not covered by any financial assistance such as XXXX. I have exhausted all of my available financial resources and am now facing the risk of XXXX  and possible XXXX  for me and XXXX XXXX. This situation is causing immense emotional distress, and I am struggling to survive day to day. 

I have attempted to reach out to all parties on numerous occasions, but their lack of responsiveness and transparency has only worsened my situation. I am now in a state of extreme financial vulnerability, with no access to the funds that are rightfully mine. 

I am requesting that the CFPB look into the manner in which this situation has been handled, as the prolonged delay is not only unjust but also harmful to my well-being. 

Please advise me on any further steps I can take in this matter and provide confirmation that this complaint has been received and is being investigated. 

Thank you for your prompt attention to this critical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX  XXXX * * * * XX/XX/XXXX {$2500.00} XXXX XXXX * * * * XX/XX/XXXX {$280.00} XXXX  XXXX * * * * XX/XX/XXXX {$610.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I had an address, revolving and installment accounts linked to identity theft removed on XX/XX/XXXX ; now they have been reinserted back onto my credit report as of XX/XX/XXXX. They gave the explanation that the address and account are valid due to them being linked to other accounts on my credit report, which are fraudulent as well. I made a complaint on XX/XX/XXXX and was told XXXX XXXX  was VERIFIED THAT THIS ITEM BELONGS TO me. All of the XXXX XXXX XXXX XXXX accounts were VERIFIED THAT THIS ITEM BELONGS TO me as well as XXXX XXXX was VERIFIED THAT THIS ITEM BELONGS TO. And XXXX and XXXX XXXX All of these accounts were outlined in my FTC identity theft report as fraudulent and should have been deleted. This has been extremely frustrating, and their inability to remove these items from my report has made it increasingly difficult to gain extensions of credit for housing, insurance, and business products, even though I have shown that the items are fraudulent.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-15 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Went to purchase a car with trade in and loan on XX/XX/XXXX at XXXX XXXX XXXX. The XXXX  was for a XXXX XXXX and they approved the sale and loan for {$5100.00}. I left the car with them to fix some things and took my trade in home. Within XXXX hours I called to cancel the purchase. They told me they would handle it and they have failed to do so. I have been patient with them and capital one who the loan is through. Neither have listened to me or fixed the issue. I currently owe more than {$5200.00} on a loan for a car I do not have nor have had any possession of. Capital one tells me I have to deal with the dealership and the dealership says they will handle it and they will get back to me. They never do and capital one could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: DE

Complaint narrative:
This complaint is a follow-up to a prior submission ( Complaint ID # XXXX ) filed on XX/XX/XXXX. That original complaint remains unanswered by XXXX XXXX, and no resolution or documentation has been provided. 

I previously disputed an unauthorized XXXX XXXX charge card account dated XX/XX/XXXX, reporting a {$0.00} balance and showing no activity. I did not open, use, or authorize this account. Experian verified the tradeline without providing any proof, and XXXX has not responded to my validation request or CFPB complaint. 

This continued failure to address a legitimate FCRA disputecombined with the lack of response to a CFPB complaintis unacceptable. This account remains inaccurately listed on my credit report, harming my profile and violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: DE

Complaint narrative:
This complaint is a follow-up to a prior submission ( Complaint ID # XXXX ) filed on XX/XX/XXXX. That original complaint remains unanswered by XXXX XXXX, and no resolution or documentation has been provided. 

I previously disputed an unauthorized XXXX XXXX charge card account dated XX/XX/XXXX, reporting a {$0.00} balance and showing no activity. I did not open, use, or authorize this account. Experian verified the tradeline without providing any proof, and XXXX has not responded to my validation request or CFPB complaint. 

This continued failure to address a legitimate FCRA disputecombined with the lack of response to a CFPB complaintis unacceptable. This account remains inaccurately listed on my credit report, harming my profile and violating my consumer rights.

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