vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-14 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: NC

Complaint narrative:
I am disputing an inaccurate late payment reported by [ XXXX XXXX XXXXXXXX ] to [ TransUnion Consumer Solutions ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXX ]. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of VA ( BB & T ) ( 2008 ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: CA

Complaint narrative:
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a of a consumer that the of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached all the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC : The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX  Attorney General 's Office in your state and Mine.

Call me at XXXX if any questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a open credit account with a XXXX XXXX XXXX IT IS THROUGH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these agencies/banks/credit companies! The XXXX XXXX keeps saying Im late on my payment and I have never completed anything pertaining to this XXXX XXXX! I have tried to call the number they list but its states that its not a live service. I just got through trying to call XXXX XXXXXXXX XXXX and after waiting 20 minutes for live agent and explaining the situation the lady who could barely speak XXXX hung up on me! I want this matter to cease and desist immediately!

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 2025-04-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I obtained a credit card from Citibank last summer and was approved for {$1800.00} and I added my son XXXX XXXX as an authorized user. 

He used the card as a deposit for a car rental but he used his own bank card when he returned the car a week later. XXXX stated that the deposit/hold on the Citibank card would fall off after a few days which it did. But they then charged {$1200.00} to the Citibank credit card which we never authorized. Not only that, we didnt even have the available credit of {$1200.00} on the Citibank credit card the day the charge posted. So Citibank approved something unauthorized and also put us over the credit limit of {$1800.00}. 

We contacted XXXX and they sent us in circles. So we decided to file a dispute. We filed the dispute back in XXXX and have sent numerous emails, have spent countless hours calling them, and they have even hung up on us after being transferred from XXXX department to another with no resolve. 

This has decreased my credit score by more than XXXX points. We dont know what to do anymore and for this reason is why we are filing this complaint.

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 2025-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I spoke with XXXX, in early XX/XX/year> and asked them to initiate at direct transfer of my funds from HSA Bank to XXXX XXXX. On XX/XX/year> XXXX XXXX sent the form to HSA Bank, with instructions to perform the direct transfer of my funds to XXXX XXXX, as I requested. 

I just spoke with HSA Bank, today XX/XX/year>, at XXXX PM XXXX. They stated that they received the form and rejected it. They NEVER contacted me or XXXX to state why they rejected the form. I just spoke with them and they would not tell me why the form was rejected.They would only say that the form would have to be submitted, again. I would like HSA Bank to perform a direct transfer of MY funds to XXXX, as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX I purchased my home from XXXX XXXX. It was a XXXX XXXX  loan. In XXXX when Obama came out with The home initiative, I was interested in getting involved. At the time I had a low interest rate and was told I had to be 90 days behind in order to get help for a modification. I request the modification of the XX/XX/XXXX into a flat rate modification was completed in XXXX before the start of it, XXXX  XXXX XXXX became my leading Bank due to the ill dealings of XXXX XXXX. XXXX  XXXX XXXX resume auto debit in my mortgage. I received a notification for hearing for foreclosure in the circuit court in XX/XX/XXXX. The judge requested that I send a reply or answer to all of the judgments that were against me. I indicated throughout my answers that there were no notice of ownership. Where XXXX  XXXX XXXX sold my 20 % loan real-time solution. The judge had them to respond to my complaint. The answer was never received. They did not provide proof of ownership. In XXXX The original amount of my HELOC loan was {$32000.00}, by XXXX it was paid down to XXXX to {$14000.00} in XXXX when my modification was finalized, XXXX  XXXX XXXX continue to Auto draft my account. I did not receive any late payments or new payment booklets regarding the 20 %. It was my understanding that it was all combined to one loan, yet it was not. The first time I heard of this was XX/XX/XXXX when I was served to appear before the magistrate. What happened to me was wrong and should be illegal in the documents that was sent to me indicated that A lean was placed on the 20 % from Texas in XXXX. Instead of notifying me of a possible foreclosure in XXXX, they held it until XXXX. This proves they allow more interest to accrue. Provide a copy of proof of ownership. XXXX  XXXX XXXX did not sign off on the loan, allowing it to go in a XXXX account or in a database where it can be accessed and people can go in and just put a lien on it. I will reiterate I am requesting the sale date to be stopped and a reduction in the amount pursued.

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 2025-04-14 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: Early Warning Services, LLC
State: PA

Complaint narrative:
XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dispute XXXX Account Name XXXX  XXXX XXXX Contribution Ref # : XXXX Incident Date : XX/XX/XXXX Dispute XXXX Account Name XXXX XXXX XXXX XXXX Contribution Ref # : XXXX Incident Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MI

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am submitting this complaint because my credit report currently includes medical debt that should no longer be reported under the new rule finalized by the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/XXXX, which prohibits credit bureaus from including unpaid medical bills on consumer credit reports. On XX/XX/XXXX I submitted a certified letter requesting that this information be removed to : XXXX  Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX, which was signed and received on XX/XX/XXXX Despite this federal regulation, and the 30 day investigation period, the following account ( s ) remain on my credit profile : - XXXX  Accounts This account is related to medical debt and are in direct violation of the current CFPB policy. I have attempted to dispute these items directly with the credit bureaus and the collection agencies, but they have not taken appropriate action to remove them. 

Additionally, this debt was never validated with sufficient documentation, and no proper verification was provided to justify their continued reporting. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and the new CFPB regulations regarding the handling of medical debt. A dispute was made to XXXX and Equifax asking for an investigation and review of incorrect information reporting. No investigation has been conducted by the bureaus. No communication has been received from the bureaus with any acknowledgement of my complaint. 

I respectfully request that the CFPB investigate this matter and ensure this medical debt are permanently removed from my credit reports with XXXX, XXXX, and Equifax in compliance with current law. 

Thank you for your time and support in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am submitting this complaint because my credit report currently includes medical debt that should no longer be reported under the new rule finalized by the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/XXXX, which prohibits credit bureaus from including unpaid medical bills on consumer credit reports. On XX/XX/XXXX I submitted a certified letter requesting that this information be removed to : XXXX  Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX, which was signed and received on XX/XX/XXXX Despite this federal regulation, and the 30 day investigation period, the following account ( s ) remain on my credit profile : - XXXX Accounts This account is related to medical debt and are in direct violation of the current CFPB policy. I have attempted to dispute these items directly with the credit bureaus and the collection agencies, but they have not taken appropriate action to remove them. 

Additionally, this debt was never validated with sufficient documentation, and no proper verification was provided to justify their continued reporting. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and the new CFPB regulations regarding the handling of medical debt. A dispute was made to Transunion and XXXX asking for an investigation and review of incorrect information reporting. No investigation has been conducted by the bureaus. No communication has been received from the bureaus with any acknowledgement of my complaint. 

I respectfully request that the CFPB investigate this matter and ensure this medical debt are permanently removed from my credit reports with XXXX, TransUnion, and XXXX in compliance with current law. 

Thank you for your time and support in resolving this matter.

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 2025-04-14 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in
my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT XXXX XXXX XXXX XXXXXXXX

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 2025-04-14 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: MO

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Below are the accounts : Acct : 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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information.I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my cre
dit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 

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 non-monetary relief
Consumer complaint received 2025-04-14 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want the company to remove the wrong personal information on my credit 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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ( Remove all Inquiries ) -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 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 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