vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my report, I noticed an inquiry from XXXX XXXX on XX/XX/year>, which I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my explicit consent or a permissible purpose to pull my credit report. Since I did not initiate or approve this inquiry, I am requesting that it be removed from my credit file immediately. 

Please find attached copies of my identification and a copy of my credit report with the unauthorized inquiry highlighted for your reference. I request that you investigate this matter and provide written confirmation once the inquiry has been removed. 

If this inquiry is not removed, please provide documentation proving that I authorized it. If you can not provide this evidence, I expect the inquiry to be deleted promptly. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, 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 2025-03-31 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: TN

Complaint narrative:
Errors in billing and reporting by the bank have caused significant harm to my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to ensure payments and credits are accurately reflected. However, I have identified multiple issues, including payments I made that were not properly recorded and clear calculation errors in the reported amounts. Additionally, I was not given the mandatory 21-day notice before my payment due date, which renders any late payment marks invalid. These violations of federal law have unfairly damaged my credit 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 non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c2 ) that you, the ( Bureaus Name ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-31 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 the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
since XXXX until XXXX they have been taking fees from my card everytime i use the atm even though its my bank

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 2025-03-31 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-31 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: FL

Complaint narrative:
I am submitting this complaint regarding a 30-day late payment reported by XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. During this billing cycle, I submitted my payment as scheduled, but it failed and I received no email notification from XXXX  informing me that the payment had failed. 

I later discovered that XXXX conducted a payment system migration on the day after my due date. I have email correspondence from XXXX confirming this timeline, as well as a consistent pattern of automated email alerts both before and after this migration. The only exception is this specific billing cycle where no failed payment notification was received. 

I have attached screenshots that show : Consistent email alerts from XXXX  for failed/returned payments in billing cycles before the late payment ; No email alert received during the billing cycle in question ; Resumption of alerts after the migration, confirming that the email system was restored ; An official email from XXXX  dated XX/XX/XXXX announcing the system migration, which was scheduled for XX/XX/XXXX, the day after the payment due date. 

These attachments demonstrate a clear break in expected communication, directly coinciding with a known system transition. I did not realize the payment had failed until well after the due date, and I brought the account current as soon as I became aware of the issue. 

I contacted XXXX  and submitted a XXXX  complaint, requesting a goodwill adjustment for the late mark. XXXX responded that notifications were sent but my email logs and attached screenshots prove otherwise. I am therefore requesting the CFPBs assistance in encouraging XXXX  to remove the late mark from my credit reports as a goodwill correction, based on a documented failure in communication during a system change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a 30-day late payment reported by XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. During this billing cycle, I submitted my payment as scheduled, but it failed and I received no email notification from XXXX  informing me that the payment had failed. 

I later discovered that XXXX conducted a payment system migration on the day after my due date. I have email correspondence from XXXX confirming this timeline, as well as a consistent pattern of automated email alerts both before and after this migration. The only exception is this specific billing cycle where no failed payment notification was received. 

I have attached screenshots that show : Consistent email alerts from XXXX  for failed/returned payments in billing cycles before the late payment ; No email alert received during the billing cycle in question ; Resumption of alerts after the migration, confirming that the email system was restored ; An official email from XXXX  dated XX/XX/XXXX announcing the system migration, which was scheduled for XX/XX/XXXX, the day after the payment due date. 

These attachments demonstrate a clear break in expected communication, directly coinciding with a known system transition. I did not realize the payment had failed until well after the due date, and I brought the account current as soon as I became aware of the issue. 

I contacted XXXX  and submitted a XXXX  complaint, requesting a goodwill adjustment for the late mark. XXXX responded that notifications were sent but my email logs and attached screenshots prove otherwise. I am therefore requesting the CFPBs assistance in encouraging XXXX  to remove the late mark from my credit reports as a goodwill correction, based on a documented failure in communication during a system change.

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 2025-03-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding a 30-day late payment reported by XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. During this billing cycle, I submitted my payment as scheduled, but it failed and I received no email notification from XXXX  informing me that the payment had failed. 

I later discovered that XXXX conducted a payment system migration on the day after my due date. I have email correspondence from XXXX confirming this timeline, as well as a consistent pattern of automated email alerts both before and after this migration. The only exception is this specific billing cycle where no failed payment notification was received. 

I have attached screenshots that show : Consistent email alerts from XXXX  for failed/returned payments in billing cycles before the late payment ; No email alert received during the billing cycle in question ; Resumption of alerts after the migration, confirming that the email system was restored ; An official email from XXXX  dated XX/XX/XXXX announcing the system migration, which was scheduled for XX/XX/XXXX, the day after the payment due date. 

These attachments demonstrate a clear break in expected communication, directly coinciding with a known system transition. I did not realize the payment had failed until well after the due date, and I brought the account current as soon as I became aware of the issue. 

I contacted XXXX  and submitted a XXXX  complaint, requesting a goodwill adjustment for the late mark. XXXX responded that notifications were sent but my email logs and attached screenshots prove otherwise. I am therefore requesting the CFPBs assistance in encouraging XXXX  to remove the late mark from my credit reports as a goodwill correction, based on a documented failure in communication during a system change.

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 2025-03-31 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: GA

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 2025-03-31 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: GA

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 consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 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 ). 
Below are the accounts that i have marked inaccurate. 
XXXX XXXX XXXXXXXX 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 2025-03-31 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$150.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX  XXXX - XXXX - XX/XX/XXXX XXXX {$82.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$230.00} XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX  - XXXX - XX/XX/XXXX - {$6700.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} BANKRUPTCY - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX  XXXX XXXX {$650.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've had a hold on my Capital One account for two months due to a {$20000.00} deposit, and despite my efforts to contact the bank, the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Bank has committed fraud by filling a lawsuit against me, and stating that an account dating back nearly 10 years ago, has had activity on it in the form of a fee refund on XX/XX/2023, during the XX/XX/2023 through XX/XX/2023 billing cycle. This account has been closed for more than 8 years now, so it is nothing less than fraud so that they claim or suggest otherwise, and bypass the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Taken by ambulance from work to hospial in XX/XX/year>. Partial claim was paid by health insurance stating " the provider has agreed to accept payment in full '' and also stated on XXXX that billable amount to patient " {$0.00} ''. Almost 1 year later I found out the balance was sent to collections and reported to credit, damaging my credit. I did a dispute w/ XXXX, including the XXXX  from insurance. I spoke with company and found that nobody contacted them from XXXX but, XXXX  closed the dispute stating it is staying on my report as a collection account. 
Also, I understand there is a 'NO SURPRISE ACT ' stating no balance billing can be sent to patient for EMERGENCY SERVICES when there is no control over who the provider is ( XXXX XXXX ). 
My husband needs sugery, we applied for XXXX but was denied due to this collection acct. I hope this helps in any way. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

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 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