vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: OK

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-07 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: LA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
Previously in XXXX I had a GM credit card. GM became so difficult to deal with that I cancelled my card. Because of GM 's ineptness they overcharged the amount I owed on the balance of the card. I received a refund check from Goldman Sachs Bank USA, dated XX/XX/XXXX for {$30.00}. I deposited this check into my XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) checking account on XX/XX/XXXX. On XX/XX/XXXX I receive " Deposit Item Return Notice '' from XXXX stating the Goldman Sachs Bank USA check for {$30.00} had been returned unpaid as marked on the check, " Return Reason-S Refer to Maker. '' XXXX additionally stated, " If item was deposited or cashed, it has been withdrawn from your account and a return item fee of {$10.00} has been assessed. '' On XX/XX/XXXX I called Goldman Sachs Bank and they transferred me to GM Credit Card. I explained the situation to them and they initially said this was a credit and was not to be converted to cash. I explained that Goldman Sachs wrote a check payable to me and if they couldn't or wouldn't honor the check this was fraud. They then said they would file a claim to refund the money. At this time, I mentioned that my bank assessed a " return item fee '' of {$10.00}. They said they would note this in the claim. They also took my SLFCU routing and account number to send the money. 
Over the last month I have contacted GM Card, or they have contacted me numerous times to tell me my account balance is {$0.00} and I don't owe them money. Each time I have spoken with them they " understand '' and will get back to me. They did send me a check for {$30.00}, but what guarantee to do I have that it will not cost me another {$10.00} to be returned again. Each time I call, they tell me that they will " escalate '' or " note '' the return item fee. 

I have spent an enormous amount of time explaining and re-explaining the problem to GM Card Specialists and their supervisors. This has to stop. I need GM Card to assign someone who has responsibility and ownership of the problem they created by not honoring the check they wrote payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IA

Complaint narrative:
On XX/XX/2025, Mohela placed my loans in repayment status for a XX/XX/XXXX due date. I scheduled an auto payment schedule to start in XXXX, so as to reduce my interest rate by XXXXXXXX XXXX. On XX/XX/2025, I received a notice that my loans were being placed back into XXXX and my auto payment plan was not approved until XX/XX/XXXX. Upon seeing the XXXX notification, I canceled my XXXX XXXX plan, so that funds wouldn't be taken from my checking account when no payment was due. Once I canceled the automatic payments, my account started displaying a XX/XX/XXXX payment due in the amount of {$290.00}. I sent a message to Mohela to clarify the situation right away on XX/XX/XXXX, and I noticed that interest continued to accumulate from XX/XX/XXXX through XX/XX/XXXX, despite the forbearance notice 's stating that 0 % interest would apply to all loans until further notice. I sent an additional message regarding the interest accumulation on XX/XX/XXXX, and Mohela has not responded to either of my messages up to this point. As the XXXX due date is close approaching, I need to know the status of my loans ( which should be in XXXX with 0 % interest retro to XX/XX/XXXX ), and the customer service response from Mohela HAS to improve. At this point, I feel that I am being taken advantage of at every turn with my student loans and feel as though the interest is being incorrectly aggregated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
I have multiple incorrect addresses, names and employers that dont belong to me on my credit report here are a list of all the incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-07 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: NY

Complaint narrative:
I have multiple incorrect addresses, names and employers that dont belong to me on my credit report here are a list of all the incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes to TransUnion, Equifax, and Experian requesting the removal of outdated and inaccurate addresses from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 5 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Despite these lawful requests, all three credit bureaus have failed to update or delete incorrect personal data, which constitutes willful and negligent noncompliance with federal law.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain the maximum possible accuracy of consumer information. The continued reporting of outdated addresses violates this requirement and creates potential legal liability under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). These violations entitle me to statutory damages, punitive damages, and attorneys fees.

Furthermore, their failure to correct this misinformation conflicts with UCC 1-308, which allows me to assert my rights under full reservation of applicable consumer protection laws. If this issue is not rectified immediately, I will escalate my complaint to the Federal Trade Commission ( FTC ) and pursue legal action as permitted under 15 U.S.C. 1681p.

I demand an immediate investigation and permanent deletion of all outdated addresses from my credit file. Continued failure to comply will result in formal legal action.

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 2025-03-07 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: TX

Complaint narrative:
I have submitted multiple disputes to TransUnion, Equifax, and Experian requesting the removal of outdated and inaccurate addresses from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 5 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Despite these lawful requests, all three credit bureaus have failed to update or delete incorrect personal data, which constitutes willful and negligent noncompliance with federal law.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain the maximum possible accuracy of consumer information. The continued reporting of outdated addresses violates this requirement and creates potential legal liability under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). These violations entitle me to statutory damages, punitive damages, and attorneys fees.

Furthermore, their failure to correct this misinformation conflicts with UCC 1-308, which allows me to assert my rights under full reservation of applicable consumer protection laws. If this issue is not rectified immediately, I will escalate my complaint to the Federal Trade Commission ( FTC ) and pursue legal action as permitted under 15 U.S.C. 1681p.

I demand an immediate investigation and permanent deletion of all outdated addresses from my credit file. Continued failure to comply will result in formal legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: DE

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-07 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my Experian XXXX and XXXX credit report, and I notice some late payments posted on my credit report. I have never been late on this account. XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late on this account. Please show me documentation showing proof of a late payment showing late payment to support you inaccurate reporting on my account. If you can not supply this, please Delete this alleged late payment from my credit report per 15 USC & 1681b. Your company is in clear violation of the law. Under 15USC $ 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) and no other : 2In accordance with the written instruction the consumer to whom it relates. Did I give you written instruction to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC & 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clear state : ( A ) Subject to section 1681s-3of this title, any- ( i ) report contain information solely as to transactions or experience between the consumer and the person making the report. Delete the above late payment from my consumer report, this agency is in violation of 15 USC & 1681.Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character ( per Se ) 2 Negligent Enable of Identity Fraud 3 Fair Debt Collection Practices Act 15 USC & 1692g violations.4 Fair Credit Reporting Act 15USC & 1681 violation for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Atlanticus Services Corporation
State: SC

Complaint narrative:
My wife ( co-signer, XXXX XXXX ) and I originally signed up for a home security system through a company called XXXX. Once the technician came out to install the equipment we learned after he installed the doorbell camera, wall plate and the keypad for the front door that the security cameras were more expensive than the salesman originally quoted us and were never installed. We asked that we have the service canceled during this installation. I was told to contact the salesman XXXX, who never returned my phone calls. I had to text him. I called to the company XXXX to complain about the service and confirm that we werent being charged for anything. That we werent that we would probably only be charged for the equipment that we had already received. I wanted to send that back we didnt need it because there was no service. I was told that they would take care of it but instead, in a couple weeks we received a bill from their retail creditor XXXX  whom they use for their equipment in the amount of {$4100.00}. I finally spoke to a manager at this company, and I was advised to fill out a dispute form, and then I would not have to pay for the equipment in our possession. I did as advised, and the dispute was declined even though the mgr agreed that we shouldnt be charged for anything and there was never service activated at our home. Over the last 8 months, Ive been given the run around by both XXXX  and XXXX and were still receiving the same bill. Please help! I have made countless phone calls to both companies and sent text messages and emails and it has not yet been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: OK

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 2025-03-07 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: OK

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