vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: MA

Complaint narrative:
I recently checked my Consumer Report and noticed some late payments and discrepancies listed for my account that Ive always paid on time. Ive never missed a payment, and I believe this information is incorrect. Could you please look into this and provide proof, like statements, showing that these payments were late?

If you cant provide proof, I would like the report to be updated to show that these payments were made 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 non-monetary relief
Consumer complaint received 2025-03-30 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: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I applied at XXXX University and I found as I accessed my information through XXXX XXXX there were four {$4900.00} loan taken out in years that I had not gone to school. The last year I went to school was in 2014. So that info does not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy rights have been violated, I am demanding the company block and remove the accounts from my consumer report no later than XXXX business days after such information that I have provided. Accounts : XXXX Bankruptcy XXXX. XXXX Date reported : XX/XX/year> ; XXXX XXXX CT TX XXXX. Ref XXXX Date reported : XX/XX/year> ; FEDERAL Ref XXXX Date XXXX : XX/XX/year>

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
United Auto Credit has engaged in multiple harmful practices that have significantly impacted my credit and financial well-being : XXXX. False Reporting to Credit Bureaus : - They have falsely reported late payments to the three major credit bureaus ( XXXX, XXXX, and XXXX ). 
- These false entries began appearing on my credit report around November 2022 and continue to negatively affect my credit score.

- I have not received any explanation or proof from United Auto Credit to justify these reports. 2. Predatory Lending Practices : - United Auto Credit used unclear and deceptive lending terms, which I now believe qualify as predatory practices. 
- They did not provide clear disclosure forms or proper documentation at the time the account was opened or during its servicing. XXXX. Actions I Took : - I contacted United Auto Credit several times between XX/XX/XXXX until XX/XX/XXXX to dispute the late payment entries and requested supporting documentation, but they failed to respond adequately. 
- I reviewed my records and confirmed that the information they reported does not match my payment history. XXXX. Actions by the Company : - Despite multiple attempts to address these concerns, United Auto Credit has not provided any disclosures or evidence to justify their reporting. 
- They continue to share incorrect information with the credit bureaus, causing ongoing damage to my credit profile. Specific Request : Cease All Contact : I request that United Auto Credit stop all direct communication with me. 
- Correct Credit Reporting : The company should amend my credit report to remove all inaccurate late payment entries. 
-Delete the Account : I am requesting a full deletion of this account from my credit reports with XXXX XXXX XXXX and XXXX have already deleted the account from my credit report. 
-Provide Disclosures : United Auto Credit must provide all disclosures and documentation that validate their credit reporting actions, as required by law. Impact : These false reports have harmed my credit score, affecting my ability to obtain credit or loans under reasonable terms. Additionally, the lack of disclosure and transparency has caused me undue stress and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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 applied at XXXXXXXX XXXX and I found as I accessed my information through XXXX network there were XXXX {$4900.00} loan taken out in years that I had not gone to school. The last year I went to school was in XXXX. So that info does not belong 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 2025-03-30 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: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA XXXX ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA XXXX ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( XXXX ) in question include : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA XXXX ( b ) : Blocking Information from Identity Theft * XXXXXXXX are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. * XXXX must block the information within XXXX business days of receiving the required documentation. XXXX. FCRA XXXX : Procedures for Resolving Disputes * This section mandates that XXXX investigate disputes within XXXX days and delete unverifiable or inaccurate information. XXXX. FCRA XXXX ( XXXX ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. * I formally request the following : XXXX. The immediate blocking of the disputed information under FCRA XXXX ( b ). XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. XXXX. A revised copy of my credit report reflecting these corrections. Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA XXXX ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA XXXX ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( XXXX ) in question include : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA XXXX ( b ) : Blocking Information from Identity Theft * XXXXXXXX are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. * XXXX must block the information within XXXX business days of receiving the required documentation. XXXX. FCRA XXXX : Procedures for Resolving Disputes * This section mandates that XXXX investigate disputes within XXXX days and delete unverifiable or inaccurate information. XXXX. FCRA XXXX ( XXXX ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. * I formally request the following : XXXX. The immediate blocking of the disputed information under FCRA XXXX ( b ). XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. XXXX. A revised copy of my credit report reflecting these corrections. Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX experian reporting inaccuracies on my account. Vehicle total loss and my information is on the dark web.

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 2025-03-30 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: MS

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The Information in the report is inaccurate, including the amount owed and the payments that were made, has been altered. I have tried over and over again with no removal of from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NC

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 explanation
Consumer complaint received 2025-03-30 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint regarding a misleading product purchase through XXXX and am requesting a full refund for the XXXX XXXX XXXX I purchased. Additionally, I have disputed this charge with Apple Card, but they continue to provide generic, automated responses rather than addressing the core issue. 

I purchased the XXXXXXXX XXXX XXXX for {$650.00} on XX/XX/XXXX, based on the listing on XXXX website, which explicitly advertised multiple attractions, including " XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, '' as part of the pass benefits. However, when I attempted to use the pass at the XX/XX/XXXX site, I was informed that they do not accept the XXXX XXXX XXXX. This information is also confirmed on the official website of the museum ( please see the attached XX/XX/XXXX XXXX & XXXX ). 

Since the pass does not provide access to the advertised attractions, it fails to meet its intended purpose as outlined on XXXX platform. I initially contacted XXXX for a refund but received no response. When I followed up by phone, I was informed that the pass is non-refundable. I subsequently raised a dispute with XXXX, but they have failed to properly review the issue and continue to provide standard, template responses. 

This situation is comparable to purchasing apples based on an advertisement, only to receive oranges instead. Since I have not used the pass for any attraction, it remains in brand-new condition, and I am simply returning the " orange '' that was misrepresented as an " apple '' in the advertisement. Therefore, I am requesting a full refund for the pass. 

I urge you to review this matter and take appropriate action to ensure a resolution. Please let me know if any additional information is required. I appreciate your prompt attention to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance {$3000.00} Open Date XX/XX/XXXX XXXX Balance {$680.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$640.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$630.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$500.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$490.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$450.00} Open Date XX/XX/XXXX XXXX  Balance {$430.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XXXX XXXX, XXXX Inquiries XXXX  Date 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
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Navy Federal Credit Union ( NFCU ) for failing to properly investigate fraudulent charges on my account and unjustly holding me responsible for these unauthorized transactions, resulting in an overdraft of {$1500.00}. 

Under the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005.11 ), financial institutions are required to investigate unauthorized transactions in a timely and thorough manner when a consumer reports fraudulent activity. However, despite my dispute, Navy Federal failed to conduct a reasonable investigation and wrongfully determined that I was responsible for the fraudulent charges. 

Additionally, Regulation E mandates that financial institutions must provisionally credit a consumers account if an investigation takes longer than 10 business days, unless an exception applies. Navy Federal did not uphold these requirements, further violating my consumer rights. 

I request that the CFPB investigate this matter and hold Navy Federal accountable for its failure to adhere to consumer protection laws. I seek the following resolutions : 1. A full and fair investigation into the fraudulent charges. 
2. Reimbursement of the {$1500.00} overdraft resulting from the fraudulent activity. 
3. Assurance that Navy Federal complies with all applicable federal regulations regarding fraud investigations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
RE : LEGAL NOTICE FRAUDULENT ACCOUNTS FROM YOUR DATA BREACH | DEMAND FOR {$12000.00} IN DAMAGES | 48-HOUR RESPONSE DEADLINE To Whom It May Concern, This letter is a formal legal notice and final warning regarding multiple fraudulent accounts appearing on my credit and tenant screening reports. These accounts were not opened or authorized by me, and I have reason to believe they are the direct result of a data breach involving your systems, in which my private information was compromised. 

As a result of your failure to protect consumer data, I have suffered emotional distress, repeated denials for housing and credit, and serious financial harm. 

I demand the immediate and permanent deletion of all the following fraudulent accounts from every reporting system associated with your agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent rental accounts ) Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent eviction accounts ) XXXX XXXX XXXX  XXXX Account ending in XXXX Balance : {$1200.00} DO NOT REINSERT ANY REMOVED ACCOUNTS. 
Under FCRA 611 ( a ) ( 5 ) ( B ), any reinsertion of previously removed accounts without proper notice is a violation of federal law. You are now on record and legally warned : No account that has been disputed and removed may be reinserted under any circumstance. 

I also do NOT authorize any fraud alerts to be placed on my credit file. These alerts result in automatic denials and further harm me as a victim. Placing a fraud alert without my request or consent is both unethical and damaging. 



You Have 48 Hours to Act If I do not receive written confirmation that all fraudulent accounts have been permanently deleted and will not be reinserted, I will proceed with legal action. You have 48 hours from the date of this letter to : 1. Permanently remove all listed fraudulent accounts 2. Cease all reporting and reinsertion of any disputed accounts XXXX. Send written confirmation to : XXXX XXXX. Refrain from placing any fraud alert on my file If you fail to comply, I will take the following legal steps without further warning : File a lawsuit in Small Claims Court for {$12000.00} in damages Report your data breach negligence and violations to the FTC, CFPB, and the Texas Attorney General Pursue full legal action under the FCRA, FDCPA, and consumer protection laws You have been officially notified. 

Sincerely, 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