vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

INQUIRIES : XXXX XX/XX/year> LATE PAYMENTS : 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
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
my identity was stolen and i need these items removed from my equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  Date XX/XX/year> XXXX XXXX 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 -48 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, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I never applied for or requested credit from any of these companies, and have told this to Equifax multiple times. I requested proof, and all they respond with is that these inquiries will remain for XXXX years. They don't even investigate. 

XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX ( Finance ) - XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My student loan servicer improperly reported my loan accounts to the credit bureaus. Originally, my student loans were consolidated into one account, XXXX, but after my loans were purchased by [ XXXX XXXX ], they created XXXX separate accounts on my credit report. This has significantly impacted my credit score, dropping it by XXXX points due to multiple late payment reports ( XXXX points per late payment per account ). This is an inaccurate representation of my loan history and a misuse of credit reporting. I have attempted to resolve this issue with the servicer, but they have not corrected the reporting. I am requesting CFPB intervention to address this improper credit reporting.

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 2025-02-10 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: CA

Complaint narrative:
XXXX, XXXX 2024 I received a hard inquiry on my personal transunion credit report from XXXX XXXX XXXX. I contacted transunion and told them I did not apply for any personal credit cards. I also, contacted XXXX XXXX XXXXXXXX. I have not received any information from XXXX XXXX XXXXXXXX and the hard inquiry is still on my personal credit report. Transunion suggested I file an ftc 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 2025-02-10 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: MN

Complaint narrative:
Today XXXX XXXX I was trying to get these unauthorized and unverifiable inquiries and accounts of my XXXX and TransUnion credit report the customer rep wasnt very helpful in helping with my credit situation I have been dealing with this unfair situation for some years now I done tried to fix my credit many of ways even got a account with XXXX XXXX XXXX which cheated me out of a few XXXX dollars when I had a account with them if I have to keep going through this pain and suffering and hardships cause these credit bureau are not doing jobs correctly I will sue all XXXX  companies I'm tired of this running around and it's not fair 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 explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I got a lease at XXXX XXXX XXXX XXXX in 2022, the terms of this lease are predatory the lease amount is for almost the whole total of the car and the option to buy out the lease after its over as for another {$33000.00} which will mean I will pay double the price of the car. The terms of the contract were switched while I went home to wait for my husband before we went back and signed the paperwork. Also, my signatures on the paperwork are not really my signature as they are forged. Ive gotten XXXX other opinions from other dealerships about my lease and they have all unanimously told me that I will never get out of this. Ive been buried in this lease and that its predatory. I tried to take this up with the dealer many times and the bank Ally financial even as recently as yesterday and the dealership sales manager did nothing. He actually laughed in my face and said then who signed it when I told him I didnt sign it, and kept trying to insinuate that I was lying about this and that it doesnt matter because I signed the contract however, I didnt sign the contract and even if I did it doesnt matter because its clearly predatory. All I want is to be released from this. My credit is being destroyed and even when the lease is over, I wont be able to afford to get out of it. I am completely stuck in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from 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 2025-02-10 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:
PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2025-02-10 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: TX

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

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

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

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

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX received a collections notice to my account and dropped my score significantly. Problem is that the new law states medical debt shall not be on the credit report and drop my dcore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
Prosper credit card was set on autopay since I opened the account for the minimum payment due, which for the full balance was around {$50.00} per day. I have had this card for a year. In XX/XX/2025 they withdrew by autopay {$240.00}. I immediately placed a stop payment on my bank, because I thought it was a fraudulent transaction. When I call Prosper, they said the charges were due to an annual fee of {$39.00} and a transaction for a nanny in XXXX- I live in New York. When I questioned why was this charge authorized ( XXXX my account was up tp the limit ) They said that I had available credit. Therefor why did they withdraw {$240.00} from account instead of the agreed minimum of {$50.00}? 

I went ahead and pay {$120.00} including the yearly membership they were claiming and the minimum amount due and filed for a fraudulent transaction on the company from XXXX. 

But more over, on XX/XX/2025 they remove my autopay - two days before my payment was due without my authorization or knowledge. Prosper Credit card is intentionally targeting me to making me fall behind my payments. I have been an excellent customer and have never pay late. I have been racially profiled and targeted by this company.

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 2025-02-10 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: Experian Information Solutions Inc.
State: GA

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 : XXXX Account name : XXXX Account name : experian has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy. my information has been breached on each of their websites And has been sold on the dark web 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written permission 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 )

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 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account was open they randomly sent an email stating my credit card account, checking and savings account and my cd account were closed no real reason was given. The funds in my account are with held and they wont give me access. I tried to call them they wont advise of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: OK

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations To Whom it May Concern : I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.

Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the information in my credit report related to [ specific accounts, bankruptcy entries, or inquiries ]. I believe Transunion has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in conducting a reasonable reinvestigation and ensuring maximum possible accuracy of the information reported.

Key Issues : Failure to Conduct a Reasonable Reinvestigation Transunion is required to conduct a thorough and reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, I believe Transunion has not adequately reviewed the evidence I provided or forwarded it to the appropriate data furnishers.

Failure to Address Bankruptcy and Negative Accounts The disputed accounts include entries related to a bankruptcy filing that are either outdated, inaccurately reported, or entirely inapplicable. Transunions failure to rectify these inaccuracies violates its duty under the FCRA to ensure that consumer reports are accurate and complete.

Failure to Investigate Improper Inquiries Hard inquiries listed on my report, which were not authorized by me, have remained despite my dispute. According to the CFPB 's lawsuit ), Transunion has failed to reinvestigate disputes regarding hard inquiries unless identity theft or fraud was specifically alleged, which directly violates the FCRAs requirements. 

Improper Use of Dispute Codes Inadequate or generic dispute codes were applied, as referenced in the CFPB lawsuit, leading to mischaracterization of my dispute. This prevents accurate review and resolution by the furnishers. 





My Request : Under the FCRA : I demand that Transunion conduct a reasonable reinvestigation of the disputed items and provide me with clear documentation of the findings. 

Any information found to be inaccurate, incomplete, or unverifiable must be modified, corrected, or deleted as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Notify me of the outcome within the statutory timeline of 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ).

If Transunion continues to fail in meeting its statutory obligations, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I have attached the following documents to support my dispute : ( See Attachments ) Please confirm receipt of this letter and respond promptly. I expect Transunion to uphold my rights under the FCRA and take immediate corrective action to address these issues. 

Sincerely, 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 non-monetary relief