vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus 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  Balance {$3600.00} Open Date XX/XX/XXXX inquirieXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
My Columbia Bank was acquired by Umpqua Bank several years ago? last time when I saw the bank account, Columbia Bank charged me NSF even though I had opted out NSF. They did not willing to adjust. since then I did not bother using its bank account. 
later I found out it was purchased by Umqua Bank because Columba bank branches were gone. Since XXXX, I have been out of the country and I visited XXXX back time to time. 
when I came back in XX/XX/XXXX, I went to XXXX XXXX to be active in my online banking. However, I discovered there is {$70.00} ( {$10.00} x 7 months ) fee was charged so I tried to get a refund. The branch teller was not willing to reverse the charge. Instead, I was told that I have to get a Secured Credit Card to get these fees during an inactive account. I told her I was not aware. The teller said she could not ask the branch manager if I did not get a secured Card to show I have an established client relationship with the bank. It is a separate issue. It is like bribing if I do not purchase the service they will not return my money. She kept saying that they sent me a letter but I was not aware. Basically, I did not agree. Therefore I closed an account. I could have kept the client relationship if they returned the money. The teller did not know when they sent me a letter.

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 2025-04-02 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MA

Complaint narrative:
On my Experian credit report dated XX/XX/year>, I found a few accounts that I feel are either being misreported or are just not lining up with whats showing on the other reports. 

XXXX XXXX, for instance, is listed as a charge-off with a {$55.00} balance, and the payment history shows it being late for months before it charged off. But I dont see any past due amount, and its unclear if I still owe anything. The details are just murky. If its closed and charged off, it should be reported clearly and the same way everywhere. 

XXXX XXXX is showing every month as a charge-off since XXXX though the account was closed years ago. That doesnt seem right. It makes it look like something new is happening when theres not. From what I understand, once something is charged off and closed, it shouldnt keep updating unless something changes. 

XXXX XXXX XXXX is listed as a closed collection on Experian, but XXXX has it as open. I have no way to know which one is right, and I wasnt notified about this either. Its hard to trust the information when each bureau is saying something different. 

Then theres XXXX XXXX, which shows a {$3000.00} utility collection. Ive never received anything explaining where that number came from, and theres no breakdown, no dates, and no proof that it was even validated properly. 

Im not trying to avoid responsibilityI just want the info on my report to be accurate and consistent. These kinds of errors make it difficult to improve my credit and understand what Im dealing with.

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 2025-04-02 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: FL

Complaint narrative:
Please see attached I am submitting this complaint regarding multiple inaccurate and potentially unlawful entries appearing on my Equifax credit report dated XX/XX/year>. Despite my formal dispute, these entries remain unresolved and continue to negatively impact my credit standing. 

Specifically, there are accounts listed as charge-offs and collections that : Do not report the Date of First Delinquency ( DOFD ), Fail to identify the original creditor as required, Display inconsistent or conflicting status codes, Contain derogatory information on accounts that have a {$0.00} balance and are closed, and Report late payments on accounts that are marked current and show no outstanding balance. 

These practices violate my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), 623 ( a ) ( 1 ), 623 ( a ) ( 5 ), and 607 ( b ), as well as Metro 2 industry reporting standards established by the Consumer Data Industry Association ( CDIA ).

Despite my attempts to resolve this matter directly with Equifax, the disputed items have not been corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: Oliphant United, Inc.
State: HI

Complaint narrative:
To Whom It May Concern : I am writing regarding an inaccurate collection account appearing on my credit report. I am actively disputing this account for the following reasons : XXXX. A collection account from Oliphant Bank ( with WebBank listed as original creditor ) for approximately {$23000.00} has been erroneously appearing on my credit reports. 

XXXX. This account first appeared on my XXXX report in XX/XX/XXXX. Prior to this, my credit reports ( including XXXX from XX/XX/XXXX ) showed no record of this debt. 

XXXX. I immediately disputed this account upon discovery and have continued to dispute it consistently through XX/XX/XXXX with the assistance of XXXX XXXX XXXX. 

XXXX. This account has demonstrated an unusual reporting pattern - appearing first on XXXX ( XX/XX/XXXX ), then expanding to XXXX ( XX/XX/XXXX ), subsequently disappearing from XXXX while remaining on XXXX, and now reappearing on XXXX in XX/XX/XXXX. 

XXXX. The account has consistently been reported without any payment history, further suggesting irregularities in reporting. 

XXXX. I can not verify this debt as mine as I have no history with either Oliphant Bank or XXXX for this amount. 

I have maintained detailed documentation confirming this chronology of appearances and disputes, as outlined in the timeline below : **Timeline : ** - XX/XX/XXXX : No account present on any bureau - XX/XX/XXXX : No account present on any bureau - XX/XX/XXXX : Account appears on XXXX only, no payment history - XX/XX/XXXX : Account remains on XXXX only, no payment history - XX/XX/XXXX : Account still on XXXX only - XX/XX/XXXX : Account appears on both XXXX and XXXX XXXX no payment history - XX/XX/XXXX : Account remains on XXXX and XXXX XXXX no payment history - XX/XX/XXXX : Account now on XXXX only, no payment history This inconsistent reporting pattern across bureaus strongly indicates potential errors in the credit reporting process. I respectfully request a thorough investigation of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXXXXXX XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$20000.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2500.00}, portfolio recov assoc Account # : XXXX date opened XX/XX/XXXX bal. {$450.00}, self financial/lead ba Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, self/atlantic capital Account # : XXXX date opened XX/XX/XXXX XXXX {$0.00} XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 2025-04-02 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: TX

Complaint narrative:
THEY CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS EVEN AFTER BEING NOTIFIED.

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 2025-04-02 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:
THEY CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS EVEN AFTER BEING NOTIFIED.

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 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
back in about XXXX or early XX/XX/year> I purchased a car, a XXXX XXXX XXXX. These cars were known for having bad transmissions, but when I bought the car, the dealership sold me a warranty that was financed into the loan that insured that no matter what happened my cars drive train is covered under warranty. About three weeks later before I could even get the license plate for the car, the transmission went out leaving me stranded on the side of the road. I got the truck towed and brought it to the shop. I called the dealership and the credit union assuming that the warranty that they sold me would cover the transmission, as they said it would in the contract. When I bought the car, it came with modifications at the time of sale. For example, the car has a custom exhaust on it. when I called the credit union and the dealership we went back-and-forth trying to figure out why this wasnt covered, eventually the credit union got back to me and told me that it was not going to be covered because of the modifications on the vehicle. Part of the selling point of the car was because of the modifications, and the dealership knowing this, they sold me a car and a warranty that was invalid. I should not have been sold this car, it was morally wrong and against the rules for them to sell me a warranty that was not valid. Left me with a high car payment, and a car I have to keep dumping money into. The dealership is zombie XXXX auto sales in XXXX, Ohio. It was wrong, for them to do this, and I expect something to be done about it.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
Please see the attachment. The account is still being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report . 
Please verify or remove immediately the following accounts : Lead Bankxxxxxxxxxxxxxxxx XXXXThis a fraudulent account on my creditPlease remove this inaccurate information from my credit report. 
Lead Bankxxxxxxxxxxxxxxxx XXXXThe balance of this account is wrong.Please provide proof of the late payment and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXXThis account 's payment terms or account type is incorrect.Please verify and provide proof of the payment terms and account type or remove this late payment from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX, XXXX XXXX on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX Bank XXXX XXXX on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
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 explanation
Consumer complaint received 2025-04-02 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: AR

Complaint narrative:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report . 
Please verify or remove immediately the following accounts : Lead Bankxxxxxxxxxxxxxxxx XXXXThis a fraudulent account on my creditPlease remove this inaccurate information from my credit report. 
Lead Bankxxxxxxxxxxxxxxxx XXXXThe balance of this account is wrong.Please provide proof of the late payment and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXXThis account 's payment terms or account type is incorrect.Please verify and provide proof of the payment terms and account type or remove this late payment from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX, XXXX XXXX on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX Bank XXXX XXXX on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-02 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus 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 XXXXXXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$430.00} Open Date XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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