vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-20 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The account was started with XXXX XXXX XXXX on XX/XX/year> who is sponsor thru XXXX XXXX, at that time I purchased items from XXXX XXXX XXXX  and paid the balance from my account with XXXX XXXX. XXXX Bank started to charge my additional monies that was not owed to XXXX 's added up to {$25000.00} of over charge. My total purchase from XXXX 's was {$750.00}. I have my bank statements from XXXX XXXX to show that I was over charged by thousands that I find to be a case of fraud. Not only that but my account has been sold to XXXX collection agencies that has never provide me a service, that calling me all the time, harass me for payments I don't owe. I have asked XXXX Funding and XXXX XXXX XXXX XXXX to cease and desist, they refuse. Also the money XXXX Bank over charged my account create a finical burden where I had to pay accounts late. I have proof that they are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-20 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-20 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-20 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for scra benefits with Amex and got approved they lowered my interest to 0 % and returned all my interest back from when my husband joined XXXX XXXX. However then they took it back saying the interest will not cap at 6 % anymore even though online it says the account will cap it aXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
See attached documents. My information was leaked during the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I have disputed the XXXX XXXXXXXX XXXX ( Account # XXXX ) multiple times with TransUnion and Experian, yet they continue to report this account inaccurately. XXXX has never reported this account, which raises serious concerns about its validity and the accuracy of the information being furnished. If this account is legitimate, it should be reported consistently and accurately across all major credit bureaus. The inconsistency in reporting suggests a failure to ensure maximum possible accuracy as required under XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act. I never gave any authorization, either in writing or verbally, for this account to be reported. Under XXXX XXXX. XXXX ( a ), a consumer reporting agency may only furnish a consumer report if there is a permissible purpose under federal law. Since I never provided any form of consent for this account to appear on my credit report, its presence is a direct violation of my rights under the FCRA. If TransUnion and Experian are reporting this account without my permission, they must provide documented proof of my authorization or immediately remove the account. By continuing to report this account after multiple disputes, TransUnion and Experian have also failed to conduct a proper reinvestigation as required under XXXX XXXX. XXXX ( a ). Their negligence in ensuring the accuracy of my credit report has caused me financial and emotional distress, affecting my ability to obtain credit and secure housing. Under XXXX XXXX. XXXX and XXXX XXXX. XXXX, TransUnion and Experian may be held liable for willful and negligent noncompliance, which could result in statutory damages. I demand that this account be removed immediately or that TransUnion and Experian provide clear and verifiable documentation proving that this account is accurate, authorized, and lawfully included in my credit report. If this matter is not resolved promptly, I will have no choice but to escalate this issue through additional legal action.

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 2025-03-20 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I asked the company to provide me the reason why they are closing my account no response just they decided to I need my account I dont want to end the relationship but they are kicking me to the curb

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 2025-03-20 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: WA

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-03-20 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: WA

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
In XXXX of XXXX  XXXX XXXX took XXXX payments on the same month for {$3500.00} my payment is only {$1700.00}. I called and asked to reverse the additional payment of {$1700.00} and the XXXX said they would reverse the payment back in my account for {$1700.00} and it would take XXXX to XXXX business days. In XXXX I called XXXX XXXX to see why my money wasn't put back in my account and XXXX stated that they reversed the payment I needed to check my financial institution. I called XXXX and they stated there was no reversal on my account and to file a dispute. I called XXXX XXXX back and they then told me they mailed me a check. I received the check a week after and tried to call my bank to take the dispute and I was informed that they can't reverse the dispute and XXXX will deny the dispute. Both the check and reversal came at the same time. Instead of XXXX calling me to inform me I have an additional payment from them they took my XXXX payment and applied it to XXXX my XXXX to XXXX and the month of XXXX payment wasn't late they reported it late. I have called them several times sent them proof my payments wasn't late due to their error. The late payments still remain on my report which is making it difficult to finance this lease. My lease is over at the end of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
In XXXX of XXXX  XXXX XXXX took XXXX payments on the same month for {$3500.00} my payment is only {$1700.00}. I called and asked to reverse the additional payment of {$1700.00} and the XXXX said they would reverse the payment back in my account for {$1700.00} and it would take XXXX to XXXX business days. In XXXX I called XXXX XXXX to see why my money wasn't put back in my account and XXXX stated that they reversed the payment I needed to check my financial institution. I called XXXX and they stated there was no reversal on my account and to file a dispute. I called XXXX XXXX back and they then told me they mailed me a check. I received the check a week after and tried to call my bank to take the dispute and I was informed that they can't reverse the dispute and XXXX will deny the dispute. Both the check and reversal came at the same time. Instead of XXXX calling me to inform me I have an additional payment from them they took my XXXX payment and applied it to XXXX my XXXX to XXXX and the month of XXXX payment wasn't late they reported it late. I have called them several times sent them proof my payments wasn't late due to their error. The late payments still remain on my report which is making it difficult to finance this lease. My lease is over at the end of 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX of XXXX  XXXX XXXX took XXXX payments on the same month for {$3500.00} my payment is only {$1700.00}. I called and asked to reverse the additional payment of {$1700.00} and the XXXX said they would reverse the payment back in my account for {$1700.00} and it would take XXXX to XXXX business days. In XXXX I called XXXX XXXX to see why my money wasn't put back in my account and XXXX stated that they reversed the payment I needed to check my financial institution. I called XXXX and they stated there was no reversal on my account and to file a dispute. I called XXXX XXXX back and they then told me they mailed me a check. I received the check a week after and tried to call my bank to take the dispute and I was informed that they can't reverse the dispute and XXXX will deny the dispute. Both the check and reversal came at the same time. Instead of XXXX calling me to inform me I have an additional payment from them they took my XXXX payment and applied it to XXXX my XXXX to XXXX and the month of XXXX payment wasn't late they reported it late. I have called them several times sent them proof my payments wasn't late due to their error. The late payments still remain on my report which is making it difficult to finance this lease. My lease is over at the end of 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 2025-03-20 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: CA

Complaint narrative:
lexus nexus keep reporting farud to transuion i did not open this account XXXX  XXXX bankrupcy please remove now under setion 605 b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: ND

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-03-20 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: WI

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX - ACCT # : XXXX, Bal- {$490.00}, opened : XX/XX/XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX  XXXX XXXX ACCT XXXX : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX - ACCT XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$280.00}, Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: WI

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX - ACCT # : XXXX, Bal- {$490.00}, opened : XX/XX/XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX  XXXX XXXX ACCT XXXX : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX - ACCT XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$280.00}, Opened : XX/XX/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
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I feel harassed by XXXX they keep sending me letters of money i owe them when i dont even have a card from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Inquiry ( TransUnion ) XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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