vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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 request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting 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 non-monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-24 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: OH

Complaint narrative:
At the time this loan went into default I was involved in a serious auto accident. This left me XXXX XXXX and unable to return to work at my previous position or any other. It has been 7 years and this is still showing on my credit report and hinders my ability to move forward in many ways. Between my XXXX and this adverse memo on my credit report it leaves me in a very tight situation. I request that this 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 explanation
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
At the time this loan went into default I was involved in a serious auto accident. This left me XXXX XXXX and unable to return to work at my previous position or any other. It has been 7 years and this is still showing on my credit report and hinders my ability to move forward in many ways. Between my XXXX and this adverse memo on my credit report it leaves me in a very tight situation. I request that this be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
At the time this loan went into default I was involved in a serious auto accident. This left me XXXX  XXXX and unable to return to work at my previous position or any other. It has been 7 years and this is still showing on my credit report and hinders my ability to move forward in many ways. Between my XXXX and this adverse memo on my credit report it leaves me in a very tight situation. I request that this 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 explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-24 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:
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 non-monetary relief
Consumer complaint received 2025-04-24 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: AL

Complaint narrative:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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 2025-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
To whom it may Concerns : On XX/XX/year>2025. I received a letter from a debt collector, and on : XX/XX/scrub> 2025. I Answered and disputed the debt collector with my letter, DATED : XX/XX/year>2025. This is What I told the debt collector in writing. " To Whom it may Concerns : Please be advice that I, received your letter dated : XX/XX/year>2025. I am in the process, to apply for " CHARITY CARE. " At : XXXX XXXX and XXXX XXXX " AS PER STATE AND FEDERAL LAWS DICTATE. " " DO NOT CONTACT ME ANYMORE, " either/or by telephone, or by XXXX mail. XXXX PLEASE CEASE AND DESIST ALL CALLS, AND CONTACT ME, IMMEDIATELY ... '' Further more I will SUE your institution for harassing me. and threatening, me. In the XXXX XXXX, and get compensation for your " abusive " misconduct " and XXXX. '' Fines can be Big impose to your Institution... AGAIN : " CEASE AND DESIST ALL CALLS, AND CONTACT ME, IMMEDIATELY. ( JAC )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NY

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-04-24 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: 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 : Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My deceased mother has a XXXX and a member savings account with NFCU. My mother passed earlier this year. Her NFCU accounts name her trust as the sole primary beneficiary. She named me as the trustee of her trust. NFCU is refusing to release her funds to a trust account until they assure all beneficiaries of the trust have accounts at NFCU. I have an account at NFCU. I am the trustee. There is no need for anyone else to have an account at NFCU because, as trustee, I will be disbursing funds to the TRUST beneficiaries, not NFCU. They are trust beneficiaries, not beneficiaries of her NFCU accounts. I have had numerous communications with NFCU about this matter to no avail. They are illegally holding trust money which my mother specifically directed that the trustee distribute. I see no recourse at this point but to seek the services of an attorney so that I can access the accounts. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-24 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: TN

Complaint narrative:
Bought a vehicle in XX/XX/scrub>XXXX XXXX. I was told I was only taking a loan out for {$16000.00} because I put XXXX XXXX down in cash. Was not told the actual interest amount which I found out later is nearly double the legal limit in Tennessee. In Tennessee on a used vehicle it can be no more than 12 %. They are violating usury laws. I let them know this and they have done everything they can to destroy my credit. They keep reporting false missed payments. All different amounts of money just so I have bad credit and can never refinance with someone else. I've had them threaten me to pay more. They have erroneously and illegally reported four missed payments in this month alone to multiple credit unions. Literally the last agent I spoke to told me every agent before him was a liar and I had to pay him more or he would repo my car illegally. And that they could charge whatever they wanted and they were not beholden to usury laws. Them destroying my credit has kept me from getting a home and left me vulnerable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and can not find a home because my credit has been destroyed by these absolute monsters. No lawyer will touch it around here, because there's not enough benefit ( AKA money ) for them in it!!

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 2025-04-24 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: TN

Complaint narrative:
Bought a vehicle in XXXX XXXX. I was told I was only taking a loan out for {$16000.00} because I put XXXX XXXX down in cash. Was not told the actual interest amount which I found out later is nearly double the legal limit in Tennessee. In Tennessee on a used vehicle it can be no more than 12 %. They are violating usury laws. I let them know this and they have done everything they can to destroy my credit. They keep reporting false missed payments. All different amounts of money just so I have bad credit and can never refinance with someone else. I've had them threaten me to pay more. They have erroneously and illegally reported four missed payments in this month alone to multiple credit unions. Literally the last agent I spoke to told me every agent before him was a liar and I had to pay him more or he would repo my car illegally. And that they could charge whatever they wanted and they were not beholden to usury laws. Them destroying my credit has kept me from getting a home and left me vulnerable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and can not find a home because my credit has been destroyed by these absolute monsters. No lawyer will touch it around here, because there's not enough benefit ( AKA money ) for them in it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TN

Complaint narrative:
Bought a vehicle in XXXX XXXX I was told I was only taking a loan out for {$16000.00} because I put XXXX XXXX  down in cash. Was not told the actual interest amount which I found out later is nearly double the legal limit in Tennessee. In Tennessee on a used vehicle it can be no more than 12 %. They are violating usury laws. I let them know this and they have done everything they can to destroy my credit. They keep reporting false missed payments. All different amounts of money just so I have bad credit and can never refinance with someone else. I've had them threaten me to pay more. They have erroneously and illegally reported four missed payments in this month alone to multiple credit unions. Literally the last agent I spoke to told me every agent before him was a liar and I had to pay him more or he would repo my car illegally. And that they could charge whatever they wanted and they were not beholden to usury laws. Them destroying my credit has kept me from getting a home and left me vulnerable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and can not find a home because my credit has been destroyed by these absolute monsters. No lawyer will touch it around here, because there's not enough benefit ( AKA money ) for them in it!!

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 2025-04-24 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
Subject : Violation of Consumer Rights by XXXX XXXX, XXXX. and Third-Party Debt Collector ( MRS BPO , LLC ) Account Ending in XXXX and XXXX I am filing this complaint due to serious concerns about the mishandling of my personal and financial information by XXXX  XXXX, XXXX, in connection with account ending in XXXX and XXXX, and the subsequent involvement of MRS BPO , LLC as a third-party debt collector. 

Summary of Complaint : Improper Charge-Off Procedures XXXX XXXX charged off my account without providing adequate prior notice, explanation, or documentation. I was never properly informed of the status change, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Unlawful Disclosure and Sale of My Personal Information My personal information was allegedly transferred or sold to a third-party debt collector ( MRS BPO , LLC ) without my consent. This may constitute a violation of the Gramm-Leach-Bliley Act ( GLBA ) and the FCRA, as I did not authorize any disclosure or sale of my nonpublic personal information ( NPI ).

Potential Unauthorized Access to My Credit Report I have reason to believe that MRS BPO , LLC may have accessed my credit report without a permissible purpose under 15 U.S.C. 1681b, which would be a clear violation of the FCRA.

Continued Negative Reporting to Credit Bureaus XXXX XXXX continues to report this account negatively to the credit bureaus despite the disputed nature of the debt and the questionable transfer of data to third parties. This reporting is inaccurate, damaging, and violates my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: IL

Complaint narrative:
Subject : Incorrect Late Payment Reporting on My Mortgage Account Please Investigate and Remove Details : I am writing to formally dispute and request the removal of incorrect late payment marks that have been reported on my mortgage account. I have found inaccurate late payment reporting on my credit reports from TransUnion and Experian for the following account : Creditor : United Wholesale Mortgage / UNTD WHL MTG Account Number : XXXX * * * * / XXXX XXXX Account Type : Conventional real estate mortgage Date Opened : XX/XX/XXXX Current Status : Transferred/ Paid, Balance {$0.00} Payment Status : Current Incorrect Late Payment Dates : XX/XX/XXXX Reporting Agencies Affected : XXXX XXXX XXXX I want to make it absolutely clear that I have never been late on this or any other account. I have always paid all of my mortgage, loan, and credit obligations on time and in full. These late payment marks are inaccurate and have severely impacted my creditworthiness. 

I have already contacted both the credit bureaus ( XXXX XXXX XXXX ) and the creditor ( United Wholesale Mortgage ) directly, but they have failed to correct this misinformation or provide any proper justification or documentation proving the alleged delinquency.

Company response to consumer: Closed with explanation