vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According to laws - 15 U.S. Code 1681n - 15 U.S. Code 1692 - 15 U.S. Code 1618 The following unauthorized inquiries on my TransUnion credit report must be investigated and removed from my credit report immediately : 1. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> 2. XXXX Date of Inquiry : XX/XX/year> 3. XXXX XXXX Date of Inquiry : XX/XX/year> 4. XXXX XXXX Date of Inquiry : XX/XX/year> 5. XXXX XXXX  Date of Inquiry : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
The issue is concerning Zelle, and I have been using Zelle for the past 5-7 years with my credit union but as of XXXX of XXXX my credit union XXXX XXXX XXXX XXXX has stopped using the service of Zelle. I got a new bank, XXXX XXXX XXXXXXXX and it has Zelle on the home page I tried to login and use it and it says account is closed. I had contacted Zelle and asked for the reason of the account closer. The representative had asked me what has the recent transaction and what was it for, I had said I gave my brother a Pc part and he sent me money for the part. That was the most recent transaction. The representative had said, that is against the terms and conditions of Zelle and what I did was considered a business transaction but their was no business its my family member most of the time what I use Zelle for is pay a family member or friend back. And they refuse to start a case to try to reopen my Zelle which is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
b'On April 17, 09:30AM, LexisNexis received a formal written dispute via Certified Mail (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which included all necessary identification and documentation: a government-issued ID, proof of address, and a signed authorization letter. Accordingly, your claim of inability to fully authenticate the consumers identity is not only inaccurate but potentially obstructive to the consumers rights under the Fair Credit Reporting Act (FCRA).\n\nWe reiterate the formal demand that LexisNexis:\n1. Immediately delete the bankruptcy record (Case No. XXXX) from the consumers file.\n2. Provide a detailed account of your reinvestigation process, including the name, address, and phone number of any furnisher relied upon, as required under 15 U.S.C.  1681i(a)(6)(B)(iii).\n3. Furnish an updated copy of the LexisNexis Consumer Disclosure Report (LNCDR) reflecting the deletion of said item.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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.
State: CT

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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THERE ARE SOME MISSING INFORMATION ON MY CREDIT REPORTS AS WELL AS FRAUDULENT INFORMATION. 

MY ADDRESS AND PHONE NUMBER DO NOT REPORT ON ANY OF MY CREDIT REPORTS. 

MY ONLY AND VALID ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ONLY AND VALID PHONE NUMBER IS ( XXXX ) XXXX - XXXX FRAUDULENT ADDRESS IN QUESTION IS 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THERE ARE SOME MISSING INFORMATION ON MY CREDIT REPORTS AS WELL AS FRAUDULENT INFORMATION. 

MY ADDRESS AND PHONE NUMBER DO NOT REPORT ON ANY OF MY CREDIT REPORTS. 

MY ONLY AND VALID ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ONLY AND VALID PHONE NUMBER IS ( XXXX ) XXXX - XXXX FRAUDULENT ADDRESS IN QUESTION IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TN

Complaint narrative:
A copy of my credit report arrived recently, and I discovered an identity theft account. This has a negative Impact on my life and credit health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: IN

Complaint narrative:
In early XXXX, I financed a nearly {$8000.00} water treatment system through Aqua Finance. Since installation, the system has been defective it emits a constant, loud noise and does not function as promised. The installer admitted the issue is known and promised a replacement part, which has never been provided. Despite this, Aqua Finance continues to bill me for the product, and I have already incurred out-of-pocket expenses ( including replacing plumbing and a pressure tank at their technicians ) trying to resolve the issue. The problem remains unresolved. 

In addition to the product failure, I have never been able to access my Aqua Finance account online. The account number they provided is invalid. I attempted multiple times to register and log in, and I recorded video proof of these failed attempts.

I reached out to Aqua Finance multiple times by phone and email ( including a specific urgent email sent on XX/XX/XXXX ), but received no assistance. Their only phone number ( XXXX ) requires entering an extension that either disconnects or fails to connect to a representative. When Ive managed to reach someone, I was disconnected after identity verification or told they could not help because they needed my account number, which I could not provide, even though they were the ones who provided the invalid number. 

I filed a BBB complaint in XX/XX/XXXX. Aqua Finance has responded fouXXXX times with nearly identical, generic responses. Each time, they simply directed me back to the same broken phone number and did not address any of my concerns regarding account access, billing issues, the product defect, or my refund/cancellation requests. 

I have clearly and repeatedly requested : -A corrected, working account number -Direct access to my account -A resolution to the defective system or removal from my home -Cancellation of the financing contract -A refund of all payments made -Confirmation that I will not be penalized or reported to credit bureaus As of today, none of these requests have been addressed. I am unable to make payments through any functioning method, yet I continue to be billed, and probably suffering credit harm due to Aqua Finances system failures and lack of support. I consider this a case of unfair lending, poor customer service, and a refusal to remedy a product and service failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-14 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I've recently reviewed my consumer report and noticed multiple inaccuracies. My consumer report was never properly investigated. Please see the attachment of all inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I am a university professor and have been in public service for 120 months of qualifying PSLF employment. If not for MOHELA 's errors, my loans would be discharged. MOHELA has made two key errors that denies me of loan forgiveness, even though I have met all requirements. 

1. MOHELA incorrectly classified XXXX and XX/XX/XXXX processing forbearance months as ineligible forbearance in NSLDS. FSA is unable to apply these QUALIFYING months toward PSLF credit because of this NSLDS error.

2. MOHELA failed to credit my Return to Repayment Remediation ( XXXX ) benefit toward PSLF. MOHELA placed me in XXXX forbearance on XX/XX/XXXX. It is still active. All months since XX/XX/XXXX through today 's date ( XX/XX/XXXX ) should be coded as an eligible payment for PSLF in NSLDS so that FSA can apply the correct credit. 

My account history and current status is documented throughout my loan documents, consolidation application, NSLDS data, MOHELA records, and FSA systems. I have attempted to fix these errors via phone ( was told the issues were FSA 's fault ) and through online message submission. I have not received a satisfactory response. MOHELA 's failure to correct these errors violates : - Administrative Procedure Act ( 5 U.S.C. 706 ( 2 ) ( A ) ) - Federal regulations at 34 CFR 685.219 ( c ) ( 2 ) ( v ) ( H ) - Higher Education Act Section 455 ( m ) ( 1 ) ( A ) statutory obligations I have requested MOHELA correct these errors and update NSLDS correctly by XX/XX/XXXX so that my loans can be rightfully XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> Statement of Pertinent Facts : This complaint is submitted pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) to request that you, the credit reporting agency, block all fraudulent information and correct reporting errors on my consumer credit report within XXXX ( XXXX ) business days of receiving this complaint. 

The fraudulent and inaccurate information includes : A personal credit card account fraudulently opened at XXXX XXXX 

A personal credit card account fraudulently opened at XXXX XXXX. 

XXXX fraudulent accounts associated with XXXX & XXXX. 

A fraudulent account or inquiry related to XXXX. 

An unauthorized hard inquiry conducted by XXXX XXXX. 

Additionally, my XXXX XXXX XXXX XXXX account is inaccurately reported as Closed, despite being open and active. This status must be corrected immediately. 

Attachments : A list of the fraudulent hard inquiries. 

A copy of my credit report showing the disputed items.

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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-05-14 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent Experian, Equifax, and Transunion everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent Experian, Equifax, and Transunion everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-14 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: NV

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-14 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: SC

Complaint narrative:
Date ( XXXX ) : XX/XX/XXXX and XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies such as Equifax, Experian, and TransUnion are legally obligated to handle consumer data with fairness, impartiality, and a respect for privacy. As the consumer, I do not consentwritten, verbal, implied, or otherwiseto the furnishing or reporting of my personal information. 

Per 15 U.S.C. 6801 and 6802, financial institutions ( including furnishers of credit data ) must safeguard nonpublic personal information and are required to notify consumers of their right to opt out of such disclosures. I was never provided this notice. I am now formally exercising my right to opt out. 

Under 15 U.S.C. 1681b, no consumer report may be furnished without the consumers written instructions. Further, 15 U.S.C. 1681c prohibits the reporting of adverse information older than XXXX years. These protections have been ignored, and my information is being reported in violation of federal law. 

15 U.S.C. 1681s-2 and 1681e mandate that furnishers of information and reporting agencies implement and maintain procedures to ensure accuracy and lawful reporting. Equifax and Experian have failed to comply with these statutory requirements. 

Additionally, my personal and financial data was compromised in direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects student records, and the Privacy Act of 1974 ( 5 U.S.C. 552a ), which restricts unauthorized disclosure of personal information held by federal agencies. The continued use or disclosure of my data under these circumstances constitutes a breach of federal privacy protections. 

Given these multiple legal violations, I demand full cancellation of the alleged student loan debt and the immediate removal and cessation of all related data reporting by Equifax, Experian, TransUnion, and any data furnisher involved.

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