vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding TransUnion 's failure to properly investigate and verify a dispute I filed concerning a XXXX XXXX account. It has been over 30 days since I initiated the dispute, and TransUnion has not provided the legally required verification of the account. Instead, TransUnion has relied solely on Capital Ones unverified claim without following the appropriate procedures outlined by the Fair Credit Reporting Act ( FCRA ). 

As outlined in the FCRA, particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable investigation and provide verification of the disputed information. By relying solely on XXXX XXXX statements without further investigation or proper verification, TransUnion has violated my rights. Under 15 U.S.C. 1681i ( a ) ( 4 ), TransUnion is legally obligated to either delete the inaccurate information or correct it within 30 days of receiving my dispute. 

The continued presence of inaccurate information on my credit report has created severe financial distress for my family. We have faced significant challenges in securing housing due to the negative remarks on my credit report. This ongoing situation is placing an unnecessary burden on my family 's livelihood and well-being. The emotional and financial toll of not being able to secure stable housing is considerable, and it is affecting our quality of life. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ensures that I am not subjected to harassment or unfair treatment by creditors, including inaccurate reporting. TransUnions failure to remove the disputed account after the required period constitutes a violation of these protections and perpetuates harm to my financial 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 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
At one time briefly I opened an account with XXXXXXXX XXXX internet. The service was so bad and the billing was always incorrect. I cancelled the service and returned the equipment ( there is nothing you can use the old modem for anyway ) and was told by the customer service manager I would not be billed for any services. When I had received another bill from the company they had admitted they sent it in error and told me not to worry about paying the bill and I never received any more bills. Now when my credit score is at its highest peak I see a collection from a Transworld systems about this same bill years later. There have been no calls voicemails text messages or any letters of intent to collect any debt sent to my home and I have left a forwarding address not to mention I have been here current address for TWO YEARS and have never received any communication or correspondence from Transworld. This debt was never valid and someone from billing has made an error and now my credit has taken a 20 point hit. This needs to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : 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 maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-03-01 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: KY

Complaint narrative:
XXXX XXXX SERVICES {$1000.00} XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX SERVICES {$6300.00} XXXX INQUIRY : XXXX XXXX XXXXXXXX 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 2025-03-01 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: KY

Complaint narrative:
XXXX XXXX SERVICES {$1000.00} XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX SERVICES {$6300.00} XXXX INQUIRY : XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and this time, I noticed unexpected discrepancies. Hoping it was just a glitch, I refreshed my browser, but the issue remained. This situation is extremely frustrating, and I need the documents Ive submitted to be thoroughly reviewed so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: LEXISNEXIS
State: PA

Complaint narrative:
Dear LexisNexis Consumer Center, RE : XXXX I am writing to formally demand the immediate correction of inaccurate information on my consumer report and compensation for the damages caused by LexisNexiss failure to verify claims before reporting them. 

On XX/XX/XXXX, I contacted LexisNexis to verify my identity and dispute inaccurate insurance claims reported by XXXX XXXX and XXXX XXXX. Instead of addressing the issue, LexisNexis subjected me to months of delays, repeated identity verification requests, and stall tactics, all while failing to provide any proof of how these claims were verified. 

After months of pushing for answers, LexisNexis removed the XXXX XXXX claim due to errors, proving that the information was not properly verified before being placed on my report. However, XXXX XXXX inaccurate claims remain, continuing to cause financial harm. As of XX/XX/XXXX, I was denied auto insurance due to these false claims. This is not just an inconvenienceit has directly affected my ability to drive legally, increased my insurance premiums, and impacted my personal safety and mental well-being. 

I have asked multiple times for LexisNexis to provide specific details on how XXXX XXXX  claims were verified, including : The name and title of the person who verified the claims at XXXX XXXX. 
The date and method used to confirm the claims were accurate. 
LexisNexis has failed to provide this information, which raises serious legal concerns. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ), you are required to maintain accurate information and to conduct a reasonable reinvestigation of disputed information. You have failed on both counts. Additionally, under the Consumer Financial Protection Bureau ( CFPB ) regulations, you are legally obligated to verify the accuracy of information before reporting it. 

The fact that you removed XXXX XXXX  claim due to errors is an admission of wrongdoing, yet you continue to allow XXXX XXXX  false claims to remain, causing me ongoing harm. 

The stress and inconvenience of repeatedly having to dispute false information. 
The negative impact on my ability to safely drive and maintain proper coverage. 
If this matter is not resolved within 30 days, I will escalate. 

I expect an immediate response with the name and title of the person at XXXX XXXX who verified these claims and the date and method used to confirm their accuracy. If you can not provide this information, these claims must be removed from my report immediately. 

This situation has already caused enough damage. I urge LexisNexis to take responsibility and correct this issue before legal action becomes necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XX/XX/XXXX I was added to two accounts at XXXX XXXX Bank of America location in XXXX  XXXX XXXX AR as an authorized user. One account being my spouses personal checking and one being a business checking account. The personal checking account ends in XXXX and the business account ends in XXXX. 

I've been able to access both of these accounts with no problem however XX/XX/XXXX I visited XXXX XXXX Bank of America location in XXXX XXXX XXXX AR and I was refused access to both accounts without reasoning. Upon further investigation with the help of one of the personal bankers, I found that fraud protection had been set up on the personal bank account ending in XXXX and paperwork had been intentionally left out of the business bank account ending in XXXX. 

The bank managers and staff have purposely and fraudulently reported claims of fraud and intentionally attempted to limit my access to both accounts without merit based on the personal relationship they have with the original account holder also being my spouse. In XXXX, I visited the XXXX XXXX Bank of America location where I attempted to get more information about this matter in which I was told by a bank supervisor to " ask my husband about getting access to the bank accounts. '' She also stated that the bank accounts are " not needed '' and the bank accounts would be closed per the original account owners request. 

After trying to get more information, the female manager threatened to call the police on me. Looking into the matter further, I learned that a fraud protection hold had been placed on the personal bank account for 180 days. 

I believe my rights as a consumer are being violated. I've never had an issue using any of our bank accounts and to my knowledge in order for me to be completely restricted from the bank accounts, the original account holder/my spouse would have to completely close the accounts and open new ones. These managers/bankers at this specific location are willfully contributing and conspiring to commit fraud, violation of company policy & financial abuse.

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 2025-03-01 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: TN

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My profile contains incorrect personal information. Kindly check all the documents that include my accurate and correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: KY

Complaint narrative:
XXXX XXXX SERVICES {$1000.00} XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX SERVICES {$6300.00} XXXX INQUIRY : XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: WA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are late payments during XXXX  XXXX I disputed multiple times to get these taken off as they are in violation of HEROS act. I lost my job as a waitress during covid.

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 2025-03-01 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: Merchants Acceptance Corp
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Merchants Acceptance account number : XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannic:14 furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the consumer information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I have used Venmo for my sons Social Security check every month for the last year starting in XX/XX/XXXX. I have never had an issue until XXXX  XXXX XXXX. On XX/XX/XXXX I received my tax return from XXXX ( {$1200.00} ) and I also received the deposit from Social Security Disability ( {$640.00} ) for my XXXX  child. I used my XXXX  card a few times on XX/XX/XXXX at the normal places I shop at regularly, I sent my ex {$500.00} from the taxes per our agreement and when I woke up Tuesday XX/XX/XXXX I was informed that XXXX froze my account that has a balance of {$1300.00}. I was informed via email from XXXX  Support that I needed to submit a bank account with my name on it. I informed the support member that I currently do not have an active bank account due to my ex and I separating due to XXXX XXXX. I submitted pictures of myself holding my Pennsylvania State issued Identification Card ( front and back ), pictures of my social security deposits for the same amount every month, pictures of the tax return filed this year with my name/the last XXXX digits of my social security card as well my XXXX Routing and Account number listed on the taxes. I feel like I have gone above and beyond to prove that I am who I say I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX XXXX since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: KY

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 Experian trans union 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 the account is accurate, without providing any evidence di 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 actio
ns 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. 2025-CFPB-0002 ) 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 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 2025-03-01 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: KY

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 Experian trans union 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 the account is accurate, without providing any evidence di 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 actio
ns 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. 2025-CFPB-0002 ) 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 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