vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
Subject : Failure to respond to XXXX XXXX request and inaccurate reporting of account Complaint : On XX/XX/year>, I submitted a formal written request to TransUnion asking for detailed information in XXXX XXXX format regarding an account reported by XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). 

Under Section 609 ( a ) ( 1 ) and Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency is legally obligated to provide full disclosure of information in a consumers file upon request and to conduct a reinvestigation of disputed information within 30 days. 

FCRA, Section 609 ( 15 U.S. Code 1681g ) FCRA, Section 611 ( 15 U.S. Code 1681i ) As of today, I have not received any response from TransUnion, which I consider a violation of my consumer rights. 

In addition, the account continues to show inconsistent and inaccurate information, including frequent switching of status between open and closed, and ongoing negative updates even after the account was charged off. These actions violate the accuracy requirements outlined in FCRA, Section 607 ( b ) : FCRA, Section 607 ( b ) ( 15 U.S. Code 1681e ) Based on the lack of timely response and the continuous inaccurate reporting, I am requesting that TransUnion delete this account from my credit file as it contains unverifiable and misleading information. 

I respectfully request that an investigation be conducted and that appropriate action be taken to ensure my credit report complies with the law. 

Supporting documentation is available upon request. 

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 non-monetary relief
Consumer complaint received 2025-03-26 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: WI

Complaint narrative:
I am writing to formally dispute a late payment record on my accounts, account numbers : XXXX and XXXX, with DEPT ED XXXX According to my records, the payment in question was made on time, and I request a correction to reflect an accurate payment history. 

I have attached supporting documentation, including proof of payment, bank statements, and any correspondence regarding this payment. Based on this evidence, I kindly request that you investigate this matter and remove the late payment record from my account. 

I understand the importance of maintaining accurate financial records and believe that this late payment entry is incorrect. Please review my case at your earliest convenience and provide a written response confirming the outcome of your investigation. If necessary, I would appreciate any additional information you can provide regarding the reason for the late payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
XXXX XX/XX/XXXX I sent letter stating we were never late XXXX XX/XX/XXXX I emailed and sent letters to either remove or update called several times i lost count XXXX XX/XX/XXXX emailed letters and support documents XXXX XX/XX/XXXX again called, emailed and sent certified letters etc.etc!

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 2025-03-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XX/XX/XXXX I sent letter stating we were never late XXXX XX/XX/XXXX I emailed and sent letters to either remove or update called several times i lost count XXXX XX/XX/XXXX emailed letters and support documents XXXX XX/XX/XXXX again called, emailed and sent certified letters etc.etc!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XX/XX/XXXX I sent letter stating we were never late XXXX XX/XX/XXXX I emailed and sent letters to either remove or update called several times i lost count XXXX XX/XX/XXXX emailed letters and support documents XXXX XX/XX/XXXX again called, emailed and sent certified letters etc.etc!

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 2025-03-26 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: NJ

Complaint narrative:
I am filing this complaint because TransUnion continues to report inaccurate information on my credit report, despite my repeated disputes. Specifically, the account from XXXX XXXX XXXX is being reported with a late payment in XX/XX/year>, yet the payment status says PAID OR PAYING AS AGREED. This is contradictory and misleading reporting. If the account is paid as agreed, there should be NO LATE MARK. Even more concerning, XXXX and XXXX are not reporting this late payment at all, raising serious questions about the accuracy of XXXX data and what procedures they are following that differ from the other XXXX major credit bureaus. I have disputed this issue multiple times, and in each response, TransUnion continues to send a letter declining a fraud block requestsomething I never even asked for. My dispute was about correcting a factual error, not reporting identity theft or fraud. This mischaracterization shows negligence and a failure to understand or process my dispute in line with federal law. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 1681i ( XXXX ), TransUnion is required to ensure maximum possible accuracy and promptly correct or remove any information that is inaccurate, incomplete, or unverifiable. TransUnion has failed to do so. This ongoing reporting has caused me XXXX  and XXXX  XXXX, and I am now asking for CFPB assistance to ensure this issue is properly investigated, resolved, and removed or corrected on my credit file. At this point, Im not playing around. I am tired of trying to fix this myself. If necessary, I am prepared to escalate this further with legal counsel. Under 15 U.S.C. 1681n, willful noncompliance with the FCRA may result in statutory damages of {$1000.00} per violation, in addition to actual damages, punitive damages, and legal fees.

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 2025-03-26 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: LA

Complaint narrative:
I have requested removal of accounts that do not belong to me. I have sent the credit reporting agency a copy of my driver 's license, social security card, entire police report, identity theft report from the FTC and address. The accounts in question are, XXXX XXXX XXXX filed XX/XX/XXXX, XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have sent certified mail all documents including list, proof of identity, identity theft report from the FTC and police report that was signed for at the company. However, the credit, bureau has not removed the incorrect information related to the identity thest that has occured.

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 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express keeps calling my phone over and over from different phone XXXX XXXX every time i block XXXX of them they call from a different phone number. They are aware that im going through financial difficulties right now and still harass me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: DISCOVER BANK
State: KS

Complaint narrative:
Discover Credit Card. Your company is in clear violation of the law. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am asking that these late payments be removed from my credit report in response to this communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Application for checking acct completed online XX/XX/year>. 

Received email XX/XX/year> stating it was denied, no information given as to why and " If you believe you may have entered your information incorrectly, please try your application again, call us at XXXX, or visit us at your nearest branch. '' I tried the application again, received the same email. 
First App ID : XXXX Second App ID : XXXX I called and spoke to several people and no one would tell me why I was denied despite perfect credit and banking history ( never so much as a late payment ) and high credit score. When I asked repeatedly for the information to be mailed, the manager I spoke with would repeat that I received an email ( which, again, tells me NOTHING about the reason for my denial, and only directs me to call, which I was doing ). At the number provided in the email for follow-up, I spoke with XXXX and alleged manager XXXX ( and XXXX others whose names I didn't get ). 

I just want the information about why I was denied as my credit reports have no issues and none of the common reasons apply. This makes me think there's fraud or identity theft but the only evidence is being withheld by banks. 

I have recordings but this form doesn't accept those files.

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 2025-03-26 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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir or Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my credit report and found an error. The duplicate item ( XXXX ) are being reported inaccurately. I am disputing the accounts listed below : Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Nature of Dispute : Inaccurate information/Duplicate account. 
Date of Error : XX/XX/XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX Nature of Dispute : Inaccurate information/Duplicate account. 
Date of Error : XX/XX/XXXX I am requesting that this inaccurate information be investigated and corrected. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate this dispute and correct ( delete ) any inaccuracies within XXXX  days. This is a violation of my rights. 
Please confirm receipt of this dispute and keep me updated on the status of the investigation. I would appreciate it if you could also send me a copy of my updated credit report once the dispute is resolved. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, ***

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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