vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I opened my cards last year, I don't owe any dollars to the card, I've never had a delay, they charged me for each of the XXXX cards annual membership fees of XXXX each, and after 1 month and a half they suspended my cards asking for my tax returns for XXXX, XXXX and XXXX. I sent them all in less than a week, they received them and I haven't used the cards for 2 months. I requested a refund of the annual fees while they make a decision and they said they will not reimburse me. In other words, working as a scammers. I've paid for 1 year use for each card and they keep my cards suspended and no refund my money

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I accidentally sent {$4900.00} XXXX ( XXXX XXXX ) ( via the XXXX XXXX ) to my Venmo account instead of XXXX  ( PayPaXXXX XXXX ). 

The {$4900.00} XXXX is still sitting at the above XXXX address. While I understand that XXXX may not officially support XXXX on XXXX, it is clear that Venmo controls the private keys to this deposit address. Therefore, the funds are technically accessible and can be returned. 

Key Considerations : - XXXX control over the private keys creates a duty of care regarding the funds. 
- Continuing to hold the funds despite my request could be construed as unjust enrichment or conversion. 
- Industry Precedent : Other major platforms, such as XXXX, offer a recovery process for assets sent to unsupported networks. This demonstrates that such recoveries are both technically feasible and considered standard practice by leading financial institutions. 
- I have already attempted to resolve this matter via customer support chat without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I recently did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code XXXX e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S. Code XXXX i XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Eastern Account Systems Account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IA

Complaint narrative:
I tried contacting Mohela because I can't login to my account to check on or pay my loans. It is saying that they have no information that matches my SSN and birthdate, and when I go to create a new account it says theres an error. I have received letter in the mail from Mohela about my loans and on the federal student aid site, it says I took my loans out of Mohela and need to pay Mohela back. 

Ive tried forgot my password, forgot my username, Ive tried to reset it through the locked out page, and Ive even tried making a new account. I've also tried calling twice, but they didn't answer for over an hour each time. I've also tried emailing them. 

I can't make a payment on my loans or check anything and my payments are due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: LA

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 2025-02-25 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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CA

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 non-monetary relief
Consumer complaint received 2025-02-25 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report as soon as possible. I did not initiate these accounts and have no information regarding their origins. Per USC 1681g, I am formally requesting their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I wanted to receive state benefits titled Louisiana Revised Statutes 29:312 limits the interest rates that creditors can charge to XXXX XXXX military personnel and their spouses. This statute applies to obligations entered into on or after XXXX XXXX XXXX 
Given I am an XXXX XXXX service member that has a home of record for Louisiana. The credit card company has not been helpful with providing me the guidance to achieve this goal of lowering my monthly interest rate with reimbursement that I have paid in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 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: NV

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
On XX/XX/XXXX, I entered into an auto lease for a XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX ( XXXX ) for XXXX XXXX, a verified 501 ( c ) ( 3 ) nonprofit organization. The loan was processed entirely as a business transaction, with XXXX requesting and receiving proper business documentation including nonprofit verification. 

When signing the lease agreement, I included " All Rights Reserved '' under Texas XXXX XXXX Section XXXX, explicitly preserving my rights and indicating my intent to maintain separation between the nonprofit business obligation and my personal credit. 
Despite processing this as a business loan, XXXX has reported this obligation on my personal credit report. This has severely impacted my ability to utilize my VA loan benefits as a XXXX veteran and obtain housing. 

On XX/XX/XXXX, I contacted XXXX 's Credit Bureau XXXX to dispute this reporting. Representative XXXX from Credit Bureau XXXX admitted that : XXXX " doesn't report to XXXX XXXX, only personal credit report '' This policy wasn't disclosed during loan origination Chase can not provide written policies regarding business vs. personal credit reporting When escalated, Supervisor XXXX  ( ID : XXXX ) further confirmed : The loan was processed as a business account Their policy is to report all co-signers personally, without distinction for nonprofits They refuse to provide written policies to customers They acknowledged that credit bureaus confirmed XXXX has the ability to correct this reporting but chooses not to This improper reporting violates several legal standards : Fair Credit Reporting Act ( accurate reporting requirements ) Equal Credit Opportunity Act ( distinction between business/personal credit ) Internal Revenue Code Section 501 ( c ) ( 3 ) ( separation between nonprofit and personal obligations is mandatory ) Texas Business Code Section 1.308 ( reservation of rights at signing ) Despite the organization continuing to make payments, XXXX refuses to acknowledge either the improper mixing of nonprofit business and personal credit reporting or to correct their reporting practices. 

The significant impact emerged when I attempted to use my XXXX  loan benefits for housing and discovered I was unable to qualify due to this business obligation being reported on my personal credit. As a disabled veteran, this has severely impaired my ability to access earned benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
On XX/XX/XXXX, I entered into an auto lease for a XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX ( XXXX ) for XXXX XXXX, a verified 501 ( c ) ( 3 ) nonprofit organization. The loan was processed entirely as a business transaction, with XXXX requesting and receiving proper business documentation including nonprofit verification. 

When signing the lease agreement, I included " All Rights Reserved '' under Texas XXXX XXXX Section XXXX, explicitly preserving my rights and indicating my intent to maintain separation between the nonprofit business obligation and my personal credit. 
Despite processing this as a business loan, XXXX has reported this obligation on my personal credit report. This has severely impacted my ability to utilize my VA loan benefits as a XXXX veteran and obtain housing. 

On XX/XX/XXXX, I contacted XXXX 's Credit Bureau XXXX to dispute this reporting. Representative XXXX from Credit Bureau XXXX admitted that : XXXX " doesn't report to XXXX XXXX, only personal credit report '' This policy wasn't disclosed during loan origination Chase can not provide written policies regarding business vs. personal credit reporting When escalated, Supervisor XXXX  ( ID : XXXX ) further confirmed : The loan was processed as a business account Their policy is to report all co-signers personally, without distinction for nonprofits They refuse to provide written policies to customers They acknowledged that credit bureaus confirmed XXXX has the ability to correct this reporting but chooses not to This improper reporting violates several legal standards : Fair Credit Reporting Act ( accurate reporting requirements ) Equal Credit Opportunity Act ( distinction between business/personal credit ) Internal Revenue Code Section 501 ( c ) ( 3 ) ( separation between nonprofit and personal obligations is mandatory ) Texas Business Code Section 1.308 ( reservation of rights at signing ) Despite the organization continuing to make payments, XXXX refuses to acknowledge either the improper mixing of nonprofit business and personal credit reporting or to correct their reporting practices. 

The significant impact emerged when I attempted to use my XXXX  loan benefits for housing and discovered I was unable to qualify due to this business obligation being reported on my personal credit. As a disabled veteran, this has severely impaired my ability to access earned benefits.

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 2025-02-25 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: CT

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 2025-02-25 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from report they are hurting my ability to obtain credit. 

The following accounts are additional accounts and their account numbers that are fraudulent and that must be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-25 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from report they are hurting my ability to obtain credit. 

The following accounts are additional accounts and their account numbers that are fraudulent and that must be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: VA

Complaint narrative:
I have sent multiple letters to each credit bureau Equifax, Transunion, and Experian explaining the inaccurate information they are continuing to report on my credit report. these accounts have not been authorized by me. I have discovered my information was copromissed in many different data breaches. The main being Equifax and my local subscription stores. I have provided documentation and still no response. I have don try research and as an American citizen I have the right for each bureau to report 100 percent accurate information per the FCRA in particular 15 usc 1681i. These items have also not been validated per again FCRA 15 usc 1691g. I need these issues resolved, it is affecting my personal life unfairly.

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