vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
I have concerns in regards to what you are reporting on my credit reports. 



account : XXXX XXXX XXXX Account is reporting with 2 different amounts of high credit Account is reporting different account status Account is reporting different remarks Account is reporting inaccurate/different payment history Account is reporting different last payment activity if this account is being reported by the same creditor why are there different amounts, dates, and remarks? remove due to inaccurate reporting.

also according to the FCRA 15 US Code 1681b permissible purposes include credit transactions, employment, insurance, court order, child support, or consumer written instructions. did I give you permission to furnish my report?

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX I have file a dispute with ( Current bank ) this is the name of the bank and to my understanding Im being told that there is no error found and Ive asked for a reversal of the transaction and I was told they have to investigate i further inquired whats the investigation process and what does it consist of I was give no explanation especially if my bank card has been lock what was the transaction forced through without my knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I was offered a new job, and as part of the usual onboarding process, a background check was conducted. When I received a copy of my background report, I was shocked to discover that my private paycheck data from the past five-plus years had been made available to third-party companiesand even to employees overseas in XXXX. 

I never imagined that detailed information such as how many hours I worked each week and my weekly salary would be collected and sold as data. 

At no point did I authorize the sharing of this information with anyone. When I contacted the organization to have my data removed, they directed me to reach out to my former employer or payroll provider instead. 

The organization responsible for collecting and selling this information, XXXX XXXX XXXX XXXX XXXX' does provide an option to freeze access to your data. However, when I called the number provided, there was no option to request a data freeze. Its unsettling that information I believed to be private is so readily accessible through a major corporation like Equifax, which owns XXXX XXXX XXXX 

As a consumer, I understand the need for credit reporting in the context of lending. However, the collection and sale of paycheck information feels not only immoral but potentially illegal. Im not certain what rights I have in this situation, but as a concerned citizen, I feel compelled to file an official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXCfpb complaint filed XX/XX/XXXX stated that accounts were not reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they are reporting and have been removed and reinserted on my credit which is a violation FCRA Part ( A ) ( 5 ) ( B ) ( ii ) I was not informed this account was reinstated which it was not supposed to be Im asking these accounts be removed the conformation XXXX it was deleted on XX/XX/XXXX by equifax I will upload proof of the letter below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
This company has miscalculated and mishandled my escrow accounts since the first time the hazard insurance policy renewed. I asked at that time to remove escrows. They told me I had to make 24 on time payments to have escrows removed. I received an Email in XX/XX/XXXX stating that I would need to respond with a signed request to remove the escrow accounts. On XX/XX/XXXX, I responded to that Email with the required signed request. By XX/XX/XXXX, I had not even received an acknowledgement of that Email, so I sent a separate request for each of my six mortgage loans via their portal, attaching the same letter and evidence of my request from XX/XX/XXXX. In response to the Portal Messages, I promptly received confirmation that all requests were received and could take up to 20 business days to be completed. On XX/XX/XXXX I received confirmation via Email that all properties had been updated to " non-escrow ''. HOWEVER, On XX/XX/XXXX, I received physical notices in the mail that only ONE account had both hazard insurance and taxes removed, but that the other five loans only had hazard insurance removed and that the request to remove taxes was under review. 
First of all - the original requests were for " escrow accounts '' and there was no reason to clarify the difference between hazard and taxes when they both create said " escrow accounts ''. 
Second, they were able to approve ONE loan within a week.

Third, they were able to partially approve the other five within the same week. 
There is absolutely no reason these could not have all been approved at the same time, especially when all six loans were requested together, in the same letter.

Upon each follow up request, I am reminded that it takes up to 20 business days. 
Obviously, it doesn't, but even if it did, we are quickly approaching that XXXX day. 
Today - XX/XX/XXXX- was the day it became clear they will take action when a complaint is filed with CFPB, as has been the case the last two times I have issued complaints against this company. 
The final straw was their response to my most recent follow up, which was to tell me that I needed to submit a signed request ... which I did a month ago.

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 2025-04-22 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: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In XXXX, I experienced a traumatic personal hardship and contacted XXXX XXXX XXXX  in XXXX to request assistance on my auto loan. I specifically asked for forbearance due to the situation and was told the request was on file. However, the bank later claimed that the request was not processed because I missed a follow-up calldespite the fact that I called back, reiterated my need for assistance, and spoke with representatives who understood I was asking for hardship support. 

The payment in question was received on the morning of what they now claim was the XXXX day. Even using their own timeline, the payment was within the window and should not have been reported as 30 days late. I also have documentation showing that money was drafted from my account within the timeframe. Most importantly, this payment was the very one I explicitly requested to have placed in forbearance. 

When I called to resolve the issue, I was told by a representative that nothing could be done and that she had done everything she could. That same representative also claimed that a payoff letter could not be sent via emaildespite the fact that I had previously received one via email, and received another by email that same day. These conflicting responses highlight a pattern of mismanagement and lack of transparency. 

This 30-day late mark is the only derogatory item on my credit report and continues to harm my ability to secure stable housing. I have not missed a single payment since yet the bank continues to report inaccurately and refuses to take accountability for their failure to process my hardship request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
There's a major mistake and the numbers are wrong.

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 2025-04-22 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recently looked at my credit reports on XXXX and XXXX XXXX which allow me to see my TransUnion and Equifax and I noticed all 3 bureaus are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. Account name XXXX XXXX  Account number: XXXX XXXX XXXX XXXX Dates reporting NOT Accurate: XXXX XXXX XXXX XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. Thanks for your help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-22 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
Student loans were marked 90 days late with no warning, inaccurately, and reported to credit reporting agencies/credit bureaus . Violation of my privacy rights ; lack of communication. Was not informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Im the XXXX  of an XXXX XXXX XXXX who is currently XXXX XXXX. Were trying to register our vehicle in XXXX, our legal state of residence, while Im temporarily living in XXXX. XXXX  XXXX has been incredibly helpful and already has everything they need the only thing holding up the process is Toyota Financial Services failing to send the vehicle title, even after weeks of follow-up. 

We faxed the release form to XXXX nearly a month ago, and since then Ive gotten nothing but conflicting stories from every representative Ive spoken to. My XXXX  was told on the phone it had already been requested and would arrive in XXXX business days. That was XXXX XXXX  ago. When I called again recently, I was told it was " just requested today '' and now it would take another XXXX XXXX. One rep even told me the process could be expedited if I went in person which makes no sense since Im not the lienholder and my XXXX  is currently XXXX. 

Whats worse is that theres no reference number, no confirmation email, and no way to verify or track anything theyve said. Every single call means starting from scratch with a new rep who gives a completely different answer. Ive asked repeatedly for written confirmation or proof that the title was requested and have been refused every time. 

Its now been XXXX XXXX, and Im stuck with a car I cant legally register. Ive been warned that I could face penalties or even lose my license if this doesnt get resolved soon and all of it is out of my hands, completely due to XXXX XXXX failure to act. Ive done everything they asked. XXXX  XXXX is just waiting. The fact that this burden is falling on me while Im already handling everything at home during a XXXX makes it even worse. 

As a XXXX  XXXX, I didnt expect special treatment but I did expect basic professionalism, consistency, and follow-through. Toyota Financial Services has shown none of that. If youre XXXX  or part of a XXXX  XXXX, please be aware that this company is not equipped to support you when you need it most.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
This company has been harassing me daily with multiple phone calls. They have not responded to my cease and assist request because I have no idea who they are. I have already disputed them thru the 3 major credit bureaus but they continually add their collections to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

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
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
I had found a fraudulent account due to identity theft. I recently request the information previously disputed there was no information as I requested with Experian. They simply said verified.i reached out three time to remove fraudulent account.i keep getting computer generated replies.Please remove this incorrect information at once and send me an updated copy of my report. Ive sent in police and all information and still no avel. This fraud information on my credit report is causing me to be declined fora vehicle and to move. Please remove immediately. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation