vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
TransUnions blatant disregard for federal law and consumer rights is completely unacceptable. I recently pulled my updated credit report, and despite my repeated disputes, TransUnion continues to report the unauthorized XXXX account ( Account # : XXXX ). This is beyond frustrating. How many times must I dispute the same fraudulent account before TransUnion finally does its job? XXXX already investigated and removed this account on XX/XX/year>, after confirming it was unauthorized and improperly reported without my consent. XXXX never reported it at all. So why is TransUnion the only bureau refusing to follow the law? Does TransUnion have its own set of rules? Why is it that XXXX and XXXX respect my rights, but TransUnion refuses to comply? This is not a minor mistakeit is a clear and willful violation of the FCRA. TransUnion is knowingly violating multiple provisions, including 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy, 15 USC 1681b for reporting an account without a permissible purpose, 15 USC 1681i ( a ) for failing to conduct a reasonable reinvestigation, and 15 USC 1681c ( a ) ( 4 ) for continuing to report inaccurate and outdated information. If TransUnion were actually following the law, this fraudulent account would have been removed from my credit file a long time ago. Instead, TransUnion is knowingly allowing false and damaging information to remain, even after multiple disputes. This is not just negligencethis is willful noncompliance that directly harms my credit, my financial stability, and my personal reputation. Every day this fraudulent account remains on my report, I suffer the consequences of TransUnions reckless disregard for my rights. How much longer am I expected to endure this? How many more disputes do I have to file before TransUnion finally follows the law? This is an outrageous abuse of power, and I will not tolerate it any longer. I demand the immediate and permanent removal of this fraudulent accountno more delays, no more excuses. If TransUnion continues to ignore its legal obligations, I will escalate this matter further.

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 2025-02-24 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 just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX XXXX XXXXXX/XX/XXXX - Transunion, XXXX - XX/XX/XXXX - Equifax, XXXXXXXX XXXX - XX/XX/XXXX - Experian.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-02-24 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have multiplied businesses reporting wrong and inaccurate information to my credit profile. XXXX has failed to investigate and update any inaccurate information and correct it. XXXX bank is reporting a paid in full account closed/paid in full with a balance of {$XXXX} which is inaccurate and false. I have XXXX businesses reporting falsely collections with no proof of business and or service from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have multiplied businesses reporting wrong and inaccurate information to my credit profile. XXXX has failed to investigate and update any inaccurate information and correct it. XXXX bank is reporting a paid in full account closed/paid in full with a balance of {$XXXX} which is inaccurate and false. I have XXXX businesses reporting falsely collections with no proof of business and or service from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
Transunion has dropped my credit score XXXX points in one month without any adverse impacts showing in my report. 
In addition there is an account that has an incorrect balance. Whenever I have a XXXX balance for a year or more and use even once, the balance is reported inaccurately. I have never been late on this account.

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 2025-02-24 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: DISCOVER BANK
State: NV

Complaint narrative:
DISCOVER CARD HAS BEE SHOWING UP ON MY ACCOUNT, AND I NEVER APPLIED TO THEM.NOW THE ACCOUNT IS IN DEFAULT BY WHOEVER THE OWNER IS, AND ITS SHOWING UP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a 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 {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( 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 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 2025-02-24 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: FL

Complaint narrative:
The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I purchased a new Honda HRV car from XXXX Honda XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX on XX/XX/year>. I paid {$10000.00} in down payment and availed loan for {$24000.00} through Honda Finance and signed a contract for the same. The term was 72 months, and monthly payment was XXXX I registered myself on Honda Financial website. The online portal showed the monthly payment is {$510.00} and loan amount is $ XXXX contacted Honda Financial XXXX XX/XX/XXXX and they mentioned to reach out to the dealership and created a ticket for the dispute ( case # XXXX ). The help desk informed that the dealership needs to provide the correct contract details to Honda Finance, after which I will be able to set up my payment preferences. I reached out to the dealership and informed they have created a false agreement on XX/XX/XXXX. They ( Finance Director XXXX ) acknowledged over phone this was a mistake on their end and they will initiate a flat cancel of the forged loan agreement and I will receive a new agreement to sign with revised payment start date. On XX/XX/XXXX XXXX Honda sales personnel XXXX XXXX and his Honda finance team visited my residence to sign a new agreement with payment terms starting from XX/XX/XXXX XXXX signed the new agreement that they presented XXXXThey also confirmed that the flat cancel of the forged documents is in the process of being cancelled. Neither the flat cancellation nor the revised agreement is processed by Honda Financial since XX/XX/year> XXXX called Honda Financial multiple times to inform that there is payment due coming on the forged loan and they need to remove me from that account. Honda started calling me daily stating that the account is due for payment. After daily calls with Honda, a new Honda Finance personnel from the dealership said they are sending a new contract on XXXX XXXX. I did not sign this contract yet as they are back dated to XXXX implying that I have already defaulted on the payment .My credit reporting is already impacted with a whopping XXXX points reduction for the wrong loan agreement created by Honda Financial .Please help. I want Honda Financial/dealership to flat close the forged agreement and clear me from the wrongful credit reporting. I need need them executing the right agreement with a future date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 

I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/year> in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments onXXXXXXXX XXXX XXXX XXXX XXXX - I was never late on this at all.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the 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 2025-02-24 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: IL

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 non-monetary relief
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off account that is currently reporting on my credit file. I previously submitted a dispute regarding this matter, but the response received from the credit bureaus was insufficient and failed to address my concerns adequately. Specifically, the account in question does not provide a valid account number, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and prevents me from verifying the legitimacy of this debt. 

Account Details : Account Number : XXXX ( No valid account number provided ) Account Status : Closed - Charge Off Payment Status : Past Due - {$1000.00} Legal Basis for Dispute : Violation of 15 U.S.C. 1681e ( b ) - The Fair Credit Reporting Act requires credit reporting agencies to ensure maximum possible accuracy in reporting. Reporting an account without a valid account number fails to meet this standard.

Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - If a consumer disputes an item, the credit reporting agency must conduct a reasonable investigation. Failure to provide sufficient information regarding the disputed account demonstrates that a proper investigation has not been conducted.

Burden of Proof on the Furnisher - Under the FCRA, the furnisher of information must provide evidence that the account belongs to me and that it is being reported accurately. The absence of an account number raises serious concerns about the legitimacy of this entry. 

Requested Action : I request that this charge-off account be immediately removed from my credit file unless verifiable documentation, including a valid account number and original creditor information, can be provided. If such documentation can not be provided, the account must be deleted per FCRA requirements. 

Please provide a written response regarding this dispute within the timeframe outlined by the FCRA. Failure to comply may result in further action, including legal remedies available under federal law. 

Thank you for your prompt attention to this matter. I look forward to your resolution.

Company response to consumer: Closed with non-monetary relief