vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: KY

Complaint narrative:
Reached out to XXXX XXXX to try to find out what was wrong why there was a collection of XXXX {$480.00} on my account. No answer no information no nothing just told me to see collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information on my credit report, as I believe the accounts in question were opened as a result of identity theft. Under Section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and remove the fraudulent accounts from my credit file. Specifically, I am disputing the following account : XXXX XXXX XXXX  Account Number : XXXX This account was not authorized by me and was likely opened as a result of identity theft. I have already reported the matter to the appropriate authorities and have filed a police report, which I am attaching for your records. In accordance with FCRA Section 1681s-2, I request that this account be investigated and removed from my credit report within 4 business days of your receipt of this dispute. Please notify me in writing of the results of your investigation. I am also requesting that any other accounts that may have been opened fraudulently in my name be reviewed and removed as appropriate. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  ( Account # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: SC

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on 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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I was issued an auto loan via check, which was stolen before I received it. I reported the theft, filed a police report, and received no benefit from the loan. The bank refuses to relieve me of liability, despite evidence that I never cashed or endorsed the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: HI

Complaint narrative:
I made this request 6 days ago and the servicer told me they can not provide me with the calculation for the yield maintenance. They also told me that I can not speak with the lender directly. Therefore nobody will answer my questions : Request : Provide a Calculation and explanation of how the yield maintenance is calculated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
Experian keeps reporting late payments on my car loan when I have bank statement proving that I have not been late. Also they dinged my credit for being 30 days late for a payment that isnt even due yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
This information is inaccurate as account was paid in full. Bureau keep saying it is validated and no information I requested was given. Request tk remove has been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
This information is inaccurate as account was paid in full. Bureau keep saying it is validated and no information I requested was given. Request tk remove has been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
This information is inaccurate as account was paid in full. Bureau keep saying it is validated and no information I requested was given. Request tk remove has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a XXXX credit card on XX/XX/XXXX and I was not instantly approved even though my credit rating is in the XXXX 's. 
this was the first suspicion. I received a call from XXXX on XX/XX/XXXX XXXX duration XXXX minutes. This was a very elaborate call. The first person asked if I had made any credit card applications from California. offered to remove numbers on the application. then i was passed on to XXXX XXXX who proceeded to read my actual credit report to me. partial credit card numbers and the balances, which were all accurate. When the caller asked for me to get out the credit card and give him the expiration date I refused, and they pressed me, but I still refused. Then the call was ended by them. The credit card that they wanted the expiration date from, happed to be the card with the highest credit limit. 
I believe my social security number or credit report was compromised upon applying for the XXXX credit card through Bank of America. i have supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I looked on my credit report and show a collection account that is reporting incorrect information it shows amount higher than the creditor, so I sent in debt validation letter on XX/XX/XXXX and the company receive it on XX/XX/XXXX but never responded the tracking number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
I am extremely upset that this account ( XXXX XXXX XXXXXXXX XXXX ) was reinserted into my Experian credit report without any notice. This is a clear and serious violation of federal law. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), Experian is required to send me a written notice within five business days if a previously deleted account is added back to my report. That did not happen. By failing to notify me, Experian broke the law and took away my right to dispute wrong or inaccurate information. This is unacceptable and makes me feel like my rights dont matter. It shows carelessness and a complete lack of responsibility on your part. This kind of behavior is not just wrongit can also lead to legal consequences. The FCRA clearly states in Sections 1681n and 1681o that if a credit bureau breaks the law on purpose or through negligence, they can be held accountable in court. That includes paying for damages, legal costs, and more. Because of this, Ive been put at risk for damage to my credit, my finances, and my peace of mind. I trusted that my rights as a consumer would be protected, and instead, they were ignored. I demand that this account be removed from my credit report immediately. I also expect a full written explanation of why this reinsertion happened without proper notice. If this is not fixed right away, I will continue to pursue every legal option available to me. I have already filed a complaint with the Federal Trade Commission ( FTC ), and I am now asking the Consumer Financial Protection Bureau ( CFPB ) to step in and help resolve this serious issue. I take my rights seriouslyand I expect Experian to do the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Good afternoon, I cancelled my service with XXXX several months ago and went to a new provider. I paid what I had to pay and I was told by the person who spoke with on the phone from XXXX that I nothing else outstanding. Then I get a bill a few months later, which I am not too sure for what. I would like to know exactly what this bill is for and the details related to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I entered into a payment plan with Goldman Sachs totaling {$1900.00}. I satisfied the full balance on XX/XX/year>. Goldman Sachs confirmed receipt and stated the account would reflect a XXXX balance within 30 days. As of today, that has not occurred. The account continues to inaccurately report a balance and/or delinquent status to credit bureaus, which is impacting my mortgage qualification process. Ive contacted Goldman Sachs and have not received the promised completion letter or balance update. Im requesting the account be corrected to reflect a {$0.00} balance, any negative reporting be removed, and a written confirmation be sent immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
This creditor is incorrectly reporting the first payment was never received, and late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I enrolled in their credit protection program XX/XX/XXXX, which pays XXXX benefit payments in the event of involuntary unemployment, after 30 days of enrollment. I activated the benefit XX/XX/XXXX and started being charged XX/XX/XXXX. Even though the benefit was activated in XXXX, this creditor is stating that no benefit was ever initiated. However, I am disputing this because an error occurred in their system. Although I enrolled XX/XX/XXXX, I did not begin being charged until XX/XX/XXXX. When I access this account via their mobile app, it states that I enrolled XX/XX/XXXX. When I access this account via their online website, it states that I am unenrolled in this program due to their disqualification criteria, however, Im still being charged for it monthly. Additionally, this creditor refuses to send me the original credit protection program documents that were generated when I first enrolled XX/XX/XXXX. They are stating that I was previously unenrolled, and then re-enrolled XX/XX/XXXX, and are refusing to send me the original credit protection program documents for those event dates as well, even though I am enrolled in paperless documents. I was emailed the credit protection program documents from the XX/XX/XXXX enrollment, however when I click on the link in the email to access these documents, the link is expired. Neither documents from XX/XX/XXXX enrollment and the alleged XX/XX/XXXX enrollment are available online and the call center representatives could not locate them either. They also can not locate the alleged unenrollment documents. The creditor is also reporting that the first payment was never received for this account, but that is incorrect. You can verify that the payment was received on the highlighted portions of bank statements. I have attached copies of supporting documents that substantiate my claim.

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