vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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 2025-02-27 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding credit request that I didnt authorize Im very concerned with the handling disputes and fraud using my identity numerous of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CO

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2025-02-27 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: FL

Complaint narrative:
Hello, My personal information has been compromised in several data breaches. Ive attempted to correct the inconsistent data on my credit report several times to no avail on record for the past 4 years. The inaccurate information will get deleted, then similar incomplete information gets inserted back on to my credit report. These unknown accounts do not have complete or accurate information, nor will the furnishers provide detail or elaborate of their investigative sources for information. Which is a violation to my right and their failure to disclose. Ive been informed to contact the 3 main credit bureaus XXXX, XXXX or Experian that all information has been verified. Its a repetitive circle with no relief which is not what is disclosed of in 15-USC-1681. I have been negatively impacted by this and it has severely impacted my credit worthiness, character and ability to pursuit of contractual obligations, lack of full disclosure and my individual rights to privacy. I am requesting the findings in full disclosure and deletion of all derogatory and defaming information until I have had time to review, contact and respond to these furnishers for accuracy. Please help.

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 2025-02-27 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: TX

Complaint narrative:
The presence of fraudulent, inaccurate, and misleading information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense XXXX XXXX XXXX  while severely impacting my financial stability and everyday wellbeing.

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 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Last month I attempted to pay my bill early because I was traveling, the next day my auto payment came out and the amount I paid so XXXX times I requested that money back, the representative at the time was so rude to me and said she will do it finally, what I dont know was that she turned off my auto pay without my consent and in fact added a XXXX to my account number so it would work to begin with. Today I noticed my auto pay thats Ive had set up for XXXX years didnt come out I called them and turns out that FNBO ( XXXX XXXX XXXX ) bank turned it off so I said Id like to clear up the confusion and pay my bill theyd said fine. But the problem was I checked my credit score and they reported me XXXX late and decreased my credit limit all because it was XXXX days delinquent because of a mistake they did. When I asked it to be rectified I was given to a supervisor named XXXX and he saidoh well and he didnt care if it was their fault take it up with credit bureau and he didnt care what the rep did. Its my fault. I asked to speak with his rep and that I would record the call and he said no hes as high up as I get and I will do nothing. So Im reporting him to you as they dont care. My credit score is going to go down because of this ignorance and I want someone to help 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 explanation
Consumer complaint received 2025-02-27 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: SC

Complaint narrative:
On XX/XX/XXXX, I took a look a my credit report and noticed some things that were inaccurate and incorrect. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Ive sent a letter asking them to reinvestigate the account listed below : 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 2025-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im writing to dispute the following unauthorized credit inquiries on my report : XXXX XXXX XXXX  inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report. 
Please confirm the removal and let me know if further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES 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 non-monetary relief
Consumer complaint received 2025-02-27 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> **Consumer Financial Protection Bureau** po box 27170 Washington, DC 20529-7170 **Subject : Formal Complaint Against TransUnion for FCRA Violations** Dear CFPB, I am writing to formally file a complaint against TransUnion for failing to report accurate information regarding my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 


I have been monitoring my credit report daily and have found that my XXXX XXXX remains at XXXX, with no changes since XX/XX/year>. Despite expecting updates to my XXXXXXXX XXXX  card account, there have been no changes reflected on my TransUnion report since XX/XX/year>. This lack of updates and accuracy is concerning, as it violates the requirements set forth in the FCRA, particularly under Sections 607 ( b ) and 609 ( a ), which mandate that consumer reporting agencies must ensure maximum possible accuracy and provide consumers access to their file information upon request. 

**FCRA Violations** : - TransUnion 's failure to report accurate information is a clear violation of the FCRA, as it undermines the integrity of credit reporting and can negatively impact my ability to secure loans and employment. 
- Additionally, the ongoing practices of TransUnion appear to mirror those of XXXX and XXXX, both of which have faced lawsuits for similar FCRA violations. 
**Request for Action** : I urge the CFPB to investigate TransUnions practices regarding the reporting of consumer information. Given the recent settlements involving TransUnion, XXXX, and XXXX, it is imperative that the CFPB takes action to ensure compliance and protect consumers. 

**Supporting Evidence** : - I can provide documentation of my communications with TransUnion regarding the inaccurate reporting, as well as any correspondence from the original creditor. 

Thank you for your attention to this matter. I look forward to your prompt response and any further steps I can take to support this investigation. 

Sincerely,

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 2025-02-27 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: MS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax stated the accounts are accurate, without providing any evidence of a thorough investigation. I told equifax that the XXXXXXXX XXXX XXXXXXXX added collections to my credit but XXXXXXXX XXXX XXXX  is not the place of business I went to.I never received a bill from that company because they did not have my correct address or number although it was up to date with XXXX XXXX were I went to. I was not aware of them or a bill until after they hit my credit report. That means I went to the XXXX XXXX yet XXXX XXXX XXXXXXXX added collections to my credit for fees from there doctor although I was not at their place of business. I did not agree to be charged by XXXXXXXX XXXX XXXX I agreed to be charged by XXXX not a third party or doctor outside of XXXX which also doesnt make sense because XXXX never sent my account to collections to be sold to a third party either. I also informed equifax that the original amount owed was lower than the amount due. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Im writing to dispute the following unauthorized credit inquiries on my report : XXXX XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report. 
Please confirm the removal and let me know if further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Im writing to dispute the following unauthorized credit inquiries on my report : XXXX XXXX XXXX inquiries XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry XX/XX/XXXXXXXX XXXX JPMCB  Card inquiry XX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report. 
Please confirm the removal and let me know if further information is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Dispute Case number XXXX Credit Card end : XXXX I am writing to you again regarding the unauthorized charge of {$1100.00} on my Capital One card, allegedly for an airline ticket purchased through XXXX XXXX. My previous attempts to resolve this matter have been unsuccessful. 

My initial contact with XXXX XXXX  resulted in their denial of any such transaction. Subsequently, Capital One, while acknowledging the charge, requested additional information from me before processing a refund. I provided this information to XXXX, but they claimed it was insufficient to issue a refund. 

I then contacted Capital One again, explaining the ongoing discrepancy with XXXX. Despite my efforts, the issue remains unresolved. Capital One has not only refused to provide a refund for the unauthorized charge, but they have also added additional fees to my account. 

This situation leaves me with a significant financial burden and no proof of a ticket purchase I never received. Booking.com has received payment for a service that was never rendered. I request your urgent intervention to investigate this fraudulent transaction and ensure a full refund of the {$1100.00}, as well as the improperly assessed fees. I am prepared to provide any further documentation you may require.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-27 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: SC

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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
Equifax, transunion, and experian, all had data breaches- with my information XXXX had a huge data breach As a result, I have all kinds of things happening with my credit and my personal information that is impacting my daily living Equifax try to offer me {$37.00} for a payout for the data breach and its simply not acceptable. XXXX has been using my information when Im supposed to be incognito. I was involved in a data breach there as well as several other companies. What is happening? How can anybody have anything positive on their credit with all of these data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
A careful review of my credit record revealed concerning late payment entries that remain unresolved despite my previous attempts to address them. More than 30 days have passed since I sent letters requesting validation of these entries, yet I have received no response or satisfactory explanation. This lack of communication and proper validation raises serious questions about the accuracy of these reported late payments.

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 2025-02-27 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: TX

Complaint narrative:
The presence of fraudulent, inaccurate, and misleading information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The presence of a derogatory rating on my account has created immediate and severe consequences for my financial wellbeing. Most notably, this negative mark has already led to the rejection of my recent loan application and triggered concerning increases in interest rates across my existing credit accounts. The impact extends beyond mere financial metrics, causing significant emotional distress as I grapple with the ongoing implications for my financial future and stability.

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