vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance XXXX {$980.00} Open Date XX/XX/XXXXXXXX XXXX  Balance : {$610.00} Open Date XX/XX/XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX/XXXX  Balance : {$1200.00} Open Date XX/XX/XXXX XXXX  XXXX  Balance : {$1000.00} Open Date XX/XX/XXXX XXXX  Balance : {$1300.00} Open Date XX/XX/XXXX XXXX/XXXX  Balance : {$850.00} Open Date XX/XX/XXXX XXXX/XXXX  Balance : {$1500.00} Open Date XX/XX/XXXX XXXX  XXXX Balance : {$670.00} Open Date XX/XX/XXXX XXXX Balance : {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$14000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$10000.00} Open 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 2025-05-05 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-05 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:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-05 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NV

Complaint narrative:
According to the charge off Law 15 US Code 1681 ( 2 ) ( a ) ( i ) 15 USC 1681 E- please delete/remove - 605B It is illegal to report anything on my credit without my permission please remove this negative item.

Please delete charge off - 15 USC 1635, & USC 15 1637B LATE PAYMENTS 15 USC 1681 2 ( A ) ( 7 ) Remove late payments 15 USC, 1681C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I contacted TransUnion by phone to ask about a sudden XXXX drop in my XXXX XXXX. I spoke with an agent who told me the drop was due to XXXX existing delinquent accounts on my report. However, these accounts have been on my credit report for a long time and have not changed recently. The agent could not tell me which account or specific change caused the drop, nor could he confirm if any new activity, balance updates, or re-reporting had occurred. I requested a more detailed explanation and was told no further information could be provided. The agent also told me to check XXXX XXXX for detailed score report which I did. I believe TransUnion failed to properly investigate my concern or offer a valid explanation. I am requesting a full reinvestigation into the scoring change and a clear breakdown of what triggered the drop.

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 2025-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  account # Im unaware of this debt and did not get the opportunity to dispute this account .if you believe you have sent proper notification, please send Certified mail with receipt displaying my signature. If not please delete this account # XXXX XXXX XXXX XXXX  as soon as possible from my report or I will take legal action!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
I am filing this complaint because Citibank denied my dispute for a fraudulent charge of {$790.00} made on XX/XX/year> via XXXX ( XXXX XXXX ) and is refusing to reopen the investigation, despite clear evidence of fraud and non-delivery. Case Number XXXX. 

I submitted a dispute to Citi after being scammed by an online seller who never delivered the promised goods and stopped responding after receiving payment. I provided supporting documents and evidence to Citi. Despite clear evidence that this was a fraudulent charge for goods/services never received, I was informed that the case has been closed and can not be reopened because I missed a follow-up documentation deadline, a deadline I was unaware of due to not receiving ( or not noticing ) the request. 

The merchant provided no legitimate proof of delivery, and XXXX own dispute process also failed to resolve the matter. I trusted my bank to protect me under Regulation Z protections, but now I am being told I have no further recourse despite having evidence that no goods were ever received. This was a holiday scam : the merchant ceased communication immediately after payment, provided no tracking or delivery. The documentation the merchant submitted was misleading, and I trusted Citi to assist me under federal consumer protection regulations.

I am requesting CFPB assistance to : Urge Citibank to reconsider and reopen the dispute under the context of fraud.

Ensure that the bank followed all appropriate timelines, notices, and consumer protections as required under federal law.

Amount disputed : {$790.00} Supporting documents available : Email records, XXXX dispute history, seller communication attempts, Citi dispute 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 2025-05-05 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This collection item is being inaccurately reported and is causing unjust harm to my creditworthiness. As allowed under the FCRA, I am requesting : A full investigation into this items accuracy and verification. 

All documentation used to verify this accounts validity and reporting. 

Removal of the item if it can not be verified with reliable and accurate documentation within the time period set forth by law. 

Please note that, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the item is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted from my credit report. Furthermore, under 15 U.S.C. 1681s-2 ( b ), the data furnisher is also obligated to investigate and correct any information found to be inaccurate.

I have enclosed a copy of my ID and proof of address for identity verification, as well as any relevant documentation supporting my dispute.

Please advise me in writing regarding the results of your investigation and any corrective actions taken. Thank you for your attention and assistance in ensuring the accuracy and integrity of consumer credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After reviewing my credit report I noticed that I have Fraudulent accounts as well as fraudulent addresses listed on my credit report. I have no knowledge of the accounts or the the addresses that are displaying on my profile. Please remove the fraudulent collections and addresses from my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After reviewing my credit report I noticed that I have Fraudulent accounts as well as fraudulent addresses listed on my credit report. I have no knowledge of the accounts or the the addresses that are displaying on my profile. Please remove the fraudulent collections and addresses from my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
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 2025-05-05 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: FL

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 2025-05-05 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After reviewing my credit report I noticed that I have Fraudulent accounts as well as fraudulent addresses listed on my credit report. I have no knowledge of the accounts or the the addresses that are displaying on my profile. Please remove the fraudulent collections and addresses from my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-05 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: NY

Complaint narrative:
NOTICE OF DISPUTE : FAILURE TO MAINTAIN ACCURATE CREDIT DATA This letter serves as a formal dispute of the materially inaccurate entries reported in my credit file that fail to comply with the federal accuracy standard established under 15 U.S.C. 168XXXX ( b ). These violations, consistent with patterns identified in CFPB regulatory actions such as the $ XXXX TransUnion settlement, highlight non compliance with Metro 2 requirements recognized in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe U.S.

Supreme Courts decision in XXXX v. TransUnion, XXXX XXXX XXXXXXXX, further reinforces the liability arising from reckless reporting practices. It is MY insist on immediate investigation and rectification of these inaccuracies to ensure compliance with all federal and industry standards.

Under 15 U.S.C. 1681n and 1681o, I challenge all negative entries lacking procedural or documentary validity per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate deletion is required to avoid statutory damages under FCRA and state consumer-protection laws. REFORM COMPLETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove inaccurate derogatory account immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this claim as mandated by compliance standards. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct violations without delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Falsified dataremove permanently. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnisher failuredelete promptly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This inaccurate report must be corrected and deleted now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting this is unlawful - REMOVE IT! 
XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX Permanently expunge this unverifiable data immediately. 
XXXX XXXX XX/XX/XXXX Delete this improper reporting per legal obligation. 
XXXX XX/XX/XXXX Correct false claim now ; compliance non-negotiable. 
Pursuant to this notice of lawful consumer complaint, all alleged negative items and associated 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: SC

Complaint narrative:
XX/XX/XXXX I reached out to them a second time to have them update my information. They requested drivers license, social security card, utility bill, and marriage license. I sent it. I was informed it was fixed but still received a letter today ( XX/XX/year> ) stating they could not authenticate my identity. If they didnt use this information to fix my information in their system what did they do with it? They have two case numbers they created. One being XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I previously placed a hold on my account due to XXXX since there were no requirements to pay. I have a stable job as a firefighter and was also waiting to see if the XXXX administration was going to cancel my loans. I currently owe approximately {$6200.00} on my loans and have applied for the XXXX loan. However, the other month I was never notified my payments were restarting and only noticed once my credit took a hit and without any mail, email or phone calls. Unfortunately nelnet said they arent able to do anything for me or my credit score even if Im able to pay it off all in full. Im just looking to fix this issue with my credit due to me being able to pay it all if needed.

Company response to consumer: Closed with explanation