vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have an online account created with Transunion that I have had over a year that I am unable to login to. I need to login to that account to be able to freeze, unfreeze, and get my credit score. 

I have been trying for over a month to get my account fixed. I have went through all their help numerous times. I have been contacted back by a supervisor. Each time, the fix will work XXXX time. The next login attempt, I am locked out of the account again. Transunion just asks me to repeat this process over and over. There is obviously a problem with the account somewhere that needs to be corrected. 

My husband had this same issue and had to resort to contacting CFPB to finally get his account fixed. So, after numerous attempts, I am doing the same. 

Please help with this issue. I have accounts at the other Credit Bureau 's and none of them have the problem that Transunion does.

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 2025-03-04 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
TD Bank took funds from my account for a safe deposit box I surrender back to them and closed the account three or more years ago. The funds were taken out of a new account I have, which has no safe deposit box tied to it. The branch I had the safe deposit box is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

The date the funds were taken out of my account was XX/XX/year>, and I have met with the Branch VP XXXX XXXX and Assistant XXXX XXXX XXXX, resulting in them investigating the matter. On XX/XX/year>, an in person meeting with VP XXXX XXXX and a locksmith, of their chosen drilled safe deposit box number ( XXXX ), revealing no contains. At this time, I was advised by the VP that my account would be credited with XXXX hrs. As of this date my account has yet to be credited and on XX/XX/year>, the Assist Manage advised me that they are still investigating the matter. 


Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 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: Self Financial Inc.
State: IL

Complaint narrative:
Self financial is inaccurately reporting late payments on my credit file even though I have made all my payments on time before the XXXX  day late mark so this is inaccurate I have disputed this directly with self and the credit agencies but this issue has not been corrected this is false reporting has negatively impacted my credit score and financial opportunities under the fair credit reporting act self must ensure accuracy in reporting I am requesting that cfpb intervene to have these late payments removed from my credit report immediately account number XXXX 15usc XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-04 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: SC

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXXc of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. CXXXXe XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. CXXXX XXXXXXXXb - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.

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 2025-03-04 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: TN

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Reporting Company : XXXX BANK - Account XXXX XXXX XXXX - Balance : {$4200.00} Reporting Company : XXXX XXXX - Account XXXX XXXX XXXX - Balance : {$1200.00}

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-04 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: PA

Complaint narrative:
EQUIFAX CREDIT BUREAU IS REPORTING INACCURATE NEGATIVE ACCOUNTS AND INQUIRIES ON MY CONSUMER REPORT : XXXX ) XXXXXX/XX/XXXX AMOUNT SHOWING : {$76.00} ACCOUNT XX/XX/XXXX : XXXX DATE : XX/XX/XXXX XXXX ) XXXX & XXXX BANK AMOUNT SHOWS : {$79000.00} DATE : XXXX / XXXX / XXXX ACCOUNTXX/XX/XXXX XXXX XXXX ) XX/XX/XXXX DATE : XX/XX/XXXX AMOUNT SHOWS : {$280.00} ACCOUNT XX/XX/XXXXXXXX LIST OF INQUIRIES : XXXX ) XXXX DATES : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: SC

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally submit a complaint regarding an issue with Equifax, XXXX of the major credit reporting agencies. It has come to my attention that Equifax is not reporting any information or records associated with my credit identity, despite my active use of credit monitoring services. 

I have reviewed my credit report and found that no information is reflected or updated within Equifax 's records. This is in contrast to my other credit reports and monitoring services, where my credit information is actively reported and up-to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to properly investigate my identity theft dispute and remove fraudulent accounts from my credit report, despite multiple submissions of required documentation. 

Experians Failure to Investigate Identity Theft Dispute On XX/XX/year>, I submitted a formal identity theft dispute to Experian via mail, including : A copy of my government-issued ID and social security card A /FTC identity theft affidavit A detailed letter outlining the fraudulent accounts and how I was affected Despite having all necessary proof, Experian refused to investigate, claiming they did not believe I was the one submitting the dispute. 
I received their response at the last minute, delaying my ability to resolve the fraudulent activity. 
On XX/XX/year>, I resubmitted the same dispute directly through Experians online portal, and they are still refusing to investigate promptly, despite their legal obligation under the Fair Credit Reporting Act ( FCRA ). 

Equifax & TransUnions Failure to Remove Fraudulent XXXX Account Equifax and TransUnion continue to report a WebBank account that does not belong to me. 
I have repeatedly disputed this account, and it has not been removed. 
I have no knowledge of this account, nor have I ever opened or authorized it.

Legal Violations & Requested Action 1.Experian is violating the Fair Credit Reporting Act ( FCRA ) by failing to promptly investigate a valid identity theft dispute despite multiple submissions with all required documentation.

2.Equifax and TransUnion are failing to fulfill their obligation under FCRA by continuing to report a fraudulent account that I do not own, despite multiple disputes.

3.These delays are causing significant harm to my credit and financial well-being.

I demand the following corrective actions : Experian must immediately investigate and remove fraudulent accounts from my credit report.

Equifax and TransUnion must delete the XXXX account that I have repeatedly disputed and proven is not mine. 
I request a written response with clear corrective actions taken, not just another generic dispute response. 

Failure to act will result in further legal escalation as well as complaint with the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 am filing this complaint against Experian, Equifax, and TransUnion for failing to properly investigate my identity theft dispute and remove fraudulent accounts from my credit report, despite multiple submissions of required documentation. 

Experians Failure to Investigate Identity Theft Dispute On XX/XX/year>, I submitted a formal identity theft dispute to Experian via mail, including : A copy of my government-issued ID and social security card A /FTC identity theft affidavit A detailed letter outlining the fraudulent accounts and how I was affected Despite having all necessary proof, Experian refused to investigate, claiming they did not believe I was the one submitting the dispute. 
I received their response at the last minute, delaying my ability to resolve the fraudulent activity. 
On XX/XX/year>, I resubmitted the same dispute directly through Experians online portal, and they are still refusing to investigate promptly, despite their legal obligation under the Fair Credit Reporting Act ( FCRA ). 

Equifax & TransUnions Failure to Remove Fraudulent XXXX Account Equifax and TransUnion continue to report a WebBank account that does not belong to me. 
I have repeatedly disputed this account, and it has not been removed. 
I have no knowledge of this account, nor have I ever opened or authorized it.

Legal Violations & Requested Action 1.Experian is violating the Fair Credit Reporting Act ( FCRA ) by failing to promptly investigate a valid identity theft dispute despite multiple submissions with all required documentation.

2.Equifax and TransUnion are failing to fulfill their obligation under FCRA by continuing to report a fraudulent account that I do not own, despite multiple disputes.

3.These delays are causing significant harm to my credit and financial well-being.

I demand the following corrective actions : Experian must immediately investigate and remove fraudulent accounts from my credit report.

Equifax and TransUnion must delete the XXXX account that I have repeatedly disputed and proven is not mine. 
I request a written response with clear corrective actions taken, not just another generic dispute response. 

Failure to act will result in further legal escalation as well as complaint with the attorney general.

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 2025-03-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I submitted my XXXX  application back on XXXXXXXX  and it was never processed. and now my loans are being handled by Ed Financial and i am on default since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
Transunion has sent a response stating that they are working on my complaint however they have failed to properly investigate and still added late payment to my credit report without properly identifying if this account belongs to me which is further tarnishing my credit history and payment history. If these accounts are under investigation and they have since been any to provide any information regarding that they belong to me why would they add late payments to my credit report before finalizing an investigation. A full investigation should take 30 days which is still underway and they have since violated the fair credit reporting act and placed these negative items on my credit report. These accounts need to me removed immediately.

Company response to consumer: Closed with non-monetary relief