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

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

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

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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

Complaint narrative:
I recently submitted a dispute and was told to provide more information to verify my identity ; below you will find just that. However, I also am following up and expediting the timeline of this investigation as it is approaching thirty days without any remedy. Per the higher education act 20 U.S.C 1083 ( e ) Loan Services must notify you of repayment changes. Our president pushed bills without warning and has affected hundreds opf thousands without forewarning. And per Act 20 USC 1083 ( a ) loan servicers must wait 90 days before reporting late payments. Furthermore, how was this information verified before it was published to my report? I would like the investigation results otherwise this is a direct violation of my rights as a consumer and therefore must be remedied right away.

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 2025-04-04 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: WI

Complaint narrative:
I recently submitted a dispute and was told to provide more information to verify my identity ; below you will find just that. However, I also am following up and expediting the timeline of this investigation as it is approaching thirty days without any remedy. Per the higher education act 20 U.S.C 1083 ( e ) Loan Services must notify you of repayment changes. Our president pushed bills without warning and has affected hundreds opf thousands without forewarning. And per Act 20 USC 1083 ( a ) loan servicers must wait 90 days before reporting late payments. Furthermore, how was this information verified before it was published to my report? I would like the investigation results otherwise this is a direct violation of my rights as a consumer and therefore must be remedied right away.

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

Complaint narrative:
Ive noticed Experian is allowing institutions Reporting old debts as new or re-aged, Ive sent Experian a dispute letter on the matter and I believe they are using a automated system to bypass dispute and generalize information, dates keep changing to fit the fair credit act seven year to ten year clause if a account has been closed since XXXX and the date changed to XXXX this is a clear violation of Fair credit reporting act Section 611 ( c ) prevent the misrepresentation or prolonged reporting of inaccurate or disputed debt information.

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 2025-04-04 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: RI

Complaint narrative:
I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXXXXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days atter sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused signiticant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NY

Complaint narrative:
Dear to whom it may concern : I recently pulled up my XXXX and XXXX credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 10 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Original Creditor : XXXX Account Number : XXXX Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
My problem is with the US Bank ReliaCard unemployment benefits which was frozen in 2020. They requested information from me regarding the impact that I sustained which I provided. Now they're asking for more information that I'm not able to obtain regarding the impact that that affected me due to the freezing of my account. My pickup truck was repossessed and sold which caused me to lose the {$17000.00} that I have paid on the truck. They are stating that they're only liable to reimburse me any fees that I incurred as a result of not being able to access my funds. The impact I sustained was losing my pickup truck and not being able to get it back due to not having the funds readily available

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Experian, Equifax and Transunion all failed to properly investigate my requested to block information resulting from identity theft. 15 USC 1681i ( a ) 6 ( B ) 3 investigation protocol. I am the only person with first hand knowledge of the transactions on my credit report and I can not verify or validate any of these fraudulent accounts. Experian Equifax and Transunion have reinserted inaccurate information without notifying me properly. 15 USC 1681i ( a ) ( 5 ) B, I have not gave Experian Equifax or Transunion my written consent to report anything to me credit report, 15 USC 1681 B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Experian, Equifax and Transunion all failed to properly investigate my requested to block information resulting from identity theft. 15 USC 1681i ( a ) 6 ( B ) 3 investigation protocol. I am the only person with first hand knowledge of the transactions on my credit report and I can not verify or validate any of these fraudulent accounts. Experian Equifax and Transunion have reinserted inaccurate information without notifying me properly. 15 USC 1681i ( a ) ( 5 ) B, I have not gave Experian Equifax or Transunion my written consent to report anything to me credit report, 15 USC 1681 B.

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 2025-04-04 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: AZ

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
2 calls a day for several weeks They bought my debt Calls after XXXX

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

Complaint narrative:
Despite my previous efforts to dispute this information with the credit bureau, I believe they have failed to properly investigate or verify the information as required by the FCRA. I have not received sufficient documentation or a clear explanation of the verification process they followed.

I am requesting that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA and that the credit bureaus are held accountable for properly verifying information as required by law.

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

Complaint narrative:
Despite my previous efforts to dispute this information with the credit bureau, I believe they have failed to properly investigate or verify the information as required by the FCRA. I have not received sufficient documentation or a clear explanation of the verification process they followed.

I am requesting that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA and that the credit bureaus are held accountable for properly verifying information as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On or about XXXX of XXXX I lost my job at XXXX XXXX In XXXX, GA, due to covid-19. I received numerous emails and written communications from all banks I had credit with asking to contact them if I had job loss or other difficulties with payments. Around XX/XX/XXXX I contacted XXXX and other banks that I had credit cards with and asked them if they could work with me to avoid negative entries to my credit report. They promised to look into it and at the end of the day they didn't do anything and started reporting negative information to my credit report. 
on XX/XX/XXXX I disputed Collection accounts of Portfolio recovery associates, ( original creditor XXXX bank, with original delinquency date of XX/XX/XXXX ). On XX/XX/XXXX they have " verified '' that the account Meets FCRA. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
Hello. Please know that I take my credit seriously, and I'm deeply concerned about the errors I saw on my credit report. These mistakes are causing me stress and it's also impacting my ability to secure new credit. Ive worked hard to build my credit, and its frustrating to see it negatively affected by inaccuracies that arent my fault. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair, and I need it corrected immediately to prevent further damage. Thanks.

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 2025-04-04 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: NC

Complaint narrative:
I am a victim of identity theft. There are several accounts that I didnt give anyone permission to open or authorization to use my name social or birthdate to open these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX I received a early direct deposit for {$530.00} and a minute later {$430.00} plus {$29.00} in fees was unauthorized and taken out of my account leaving me with a balance of {$0.00}. This was my last payment from my employer which is why it came early and a direct deposit was scheduled until XX/XX/XXXX which is when the repayment should have been due with the deposit only being {$530.00} less than my usual amount which I get paid every 2 weeks which is around XXXX XXXX and some change it wasnt enough to pay back the full amount on the advance which left my account with a balance of {$160.00} still due and no access to the paycheck advance feature. With this being my last check Im sure you can understand the dilemma and my frustration. Upon receiving this information I immediately reached out to support which is only accessible via the app through chat. The agent I spoke with and relayed all of this information to knowing my hardship issue and company policy and laws and regulations refused to provide me with a reversal and a credit back to my account for the deposit, a payment arrangement for a later date or access to the advance feature. I then requested information about the hardship policy which she resided to provide. I then requested to speak to a supervisor which she claims she couldnt get me in touch with they had to reach out to me via email. A supervisor contacted me a day later and also refused to provide me with a resolution also ignoring currents customer repayment option policy, laws and regulations and my qualification based on my current hardship issue which is why Im reaching out hoping to get some form of help and a solution. I would have much rather the full payment be made for the advance if funds were available than for there to not be enough money in the account but still get charged and owe an amount that I dont have access to and be stuck at a {$0.00} without access money that Ive worked for. The charge wasnt authorized and them refusing to provide me with my paycheck back is definitely fraudulent which is why Im reporting it. I have receipts of all conversations and account activity attached below. Thank you for reviewing this and I hope to hear back with a resolution soon. Your time is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief