vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
Subject : Complaint : CRAs and Furnishers Reporting Inaccurate and Unverified Accounts in Violation of FCRA, TILA, and Metro 2 Standards To the CFPB, I am submitting this complaint against TransUnion for continuing to report inaccurate, unverifiable, and unlawful information on my consumer credit file in violation of federal law.

Specifically, TransUnion, Experian and Equifax is reporting the following accounts with false derogatory information : XXXX XXXX # XXXX {$9900.00} 30 Days Late XXXX XXXX # XXXX Closed Account {$1000.00} XXXX  XXXX # XXXX 30 Days Late These entries violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681s-2 ), Truth in Lending Act ( 15 U.S.C. 1666b, 1637b ), 12 CFR 1026.7, and Metro 2 data furnishing guidelines. No creditor has provided verification or substantiation. These accounts are harming my credit and financial standing. 
I request the following relief : 1. Immediate deletion of all inaccurate or unverifiable accounts listed.

2. Written confirmation from TransUnion that these entries will not be reinserted. 
I am prepared to escalate this matter to the FTC, SEC, and legal counsel if not resolved promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: CT

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
According to Capital one my account has been closed since XX/XX/XXXX, Ive contacted them numerous times after this about my rewards I had but they given me different answers each time one representative telling me I will be able to receive my funds and I will have to wait for mail check the same way they were mailing me my statements, another representative stating I was able to receive my funds up until 90 days and they would send me mail sending stating ( which they never did they only sent mail of how much I owed which Ive now paid my card off fully ) but the time has already passed so now I wont be able to receive my funds, and than a advising supervisor telling me the funds I had on my account were forfeited, however when I spoke to both the representatives under her they told me my reward funds are still there. So due to numerous representatives giving me different answers I was not able to receive my funds Ive previously stated I would be given, as well the advising supervisor said I am able to open account a new account which I am able to start a new rewards but they are not able to reopen my account with the funds on it which make me no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I am writing to dispute multiple inaccuracies on my TransUnion credit report resulting from identity theft and reporting errors. 

Unauthorized Hard Inquiries The following inquiries were not authorized by me and should be removed immediately : 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 contacted each creditor listed above with no response. Per FCRA 604 ( a ) ( 3 ) and 611, these inquiries were not consumer-initiated and must be deleted. 

Inaccurate Late Payment Closed XXXX XXXX Account Account Name : XXXX XXXXXXXX Account Type : Credit Card Account Number : XXXX Date Opened : XX/XX/XXXX Last Payment Date ( Reported ) : XX/XX/XXXX Highest Balance : {$630.00} Reported Late Payment : 30 days late in XX/XX/XXXX This account is marked as paid and closed, yet the report shows a late payment in XX/XX/XXXX. By XX/XX/XXXX, the account had been fully paid off. This late payment is incorrect and misrepresents my payment history. Ive contacted XXXX XXXX directly with no resolution. This must be removed under FCRA 1681i. 

Please investigate and correct these items immediately. Send confirmation once updates are made. 

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
someone used my card for XXXX plus another XXXX and then another XXXX i was home at the time this happened and i noticed it when i was checking my account online

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Yes, I am behind on my payment ( by only XXXX month ) ; but, I have always managed to get caught up. The non-stop and constant calls are beyond excessive and adding more anxiety and stress on an already stressful situation. In the XXXX of XXXX ; XXXX - XXXX of this year alone, I have received XXXX calls from the creditor! XXXX calls in 10 days. 
From XX/XX/XXXX - XX/XX/year> calls. 

I totally understand they have a job to do and my falling behind is not " their problem '', it is mine and as I mentioned before, I had always managed to catch up. 

The calls come at all hours of the day and night ; yes, between XXXX, I also work regular business hours and can not take personal calls at work and I do not take calls when I am driving. 

I have no one to blame for my change in financial circumstances but I think this company should have some more in depth and detailed clarification when they keep extending added on amounts to an already existing title loan that obviously is and will lead to over extension and accrued daily fees that make it almost impossible to catch up let alone pay off this title loan. Not to mention trying to stay on top of repairs, maintenance, insurance, etc. My vehicle is XXXX XXXX XXXX and I am still carrying a balance of {$14000.00} plus on it for the purchase price of {$7000.00}. 

Last year I spoke with the office manager of my local branch and she in a sense refinanced/lowered the vehicle payment from {$400.00} plus down to {$250.00}. 

I am at my wits end with this loan title institution and their " oh you can borrow a few dollars more for unexpected bills '' but neglect to say you will be paying for life or with your life. 

please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-10 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: CT

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: VT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under FCRA Section 609, I have the right to request : 1. A copy of the original signed contract or agreement proving the debt. 
2. Any billing statements, itemized charges, or history tied to this account. 
3. All information you used to verify this accounts accuracy. 

If you can not provide this documentation, you must remove the account from my credit report in accordance with the FCRA. 

Im requesting a reinvestigation. The account is unverifiable. No original signed agreement or billing statements have been provided. Please validate per FCRA 609/611 or remove this item entirely.

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 2025-04-10 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: WV

Complaint narrative:
I have complained and logged complaints through the cfpb about TransUnion and Experian and Equifax, they have went past their deadlines on some of their investigations which I will be sending proof of and therefore they need to delete this immediately off my credit because it is against fcra regulations for not doing it in a timely manner. And when I made complaints beforehand they done nothing but mess everything up change stuff that shouldn't have been changed and then dropped my points just because I was going to turn them in to the cfpb for an investigation. I want these things deleted from my credit immediately.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
Self financial. is reporting false information on my credit report. and is affecting me acquiring credit cards, cars and a home. I've reached out several times to try to get them to correct. this information. but I couldn't find contact. information for them I've tried to contact them several times with no luck to have them correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 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 non-monetary relief
Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX SSN:XXXX XXXX Equifax XXXX XXXX XXXX RE : Requesting you Block and Remove Fraud from My Consumer Report >I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX {$31000.00} # XXXX opened XXXX, XXXX XXXX XXXX {$390.00} # XXXX opened XXXX .I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00} as specified in >15 U.S.C 1692k. 
> Defamation of Character >Negligent Enhancement of Identity Fraud >Violation of the Fair Credit Reporting Act >Violation under 15 U.S. Code & sect ; 1681o - Civil liability for negligent non compliance >Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance >Failing to comply with 15 USC 1692 ( g ) >Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports >Under 15 U.S.C. 1681i ( 7 ) Method of verification >Violations under 15 USC 1681 a ( 4 ) right to privacy >Violations under 15 U.S. Code & sect ; 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated. Sincerely XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since XX/XX/year>, Chase Bank has been garnishing all my wages from my checking and saving accounts. My debit card is frozen, as well as all my accounts. XXXX XXXX XXXXXXXX put or order to have my funds frozen, yet I had a stipulation agreement with them as I settled with an attorney the amount that I owed them. I recently filed for bankruptcy because of this ongoing ordeal, and absolutely nothing has been done as far as unfreezing my accounts. I can not live like this, have no money available for daily needs such as gas, food, electricity, etc, and have no resolution as this has been going on for over a month. I was told that an email was sent to XXXX XXXX XXXXXXXX XXXX  attorneys to release my funds, but to date, they have ignored all attempts. As said before, I had a stipulation agreement with XXXX XXXX XXXXXXXX and had been fulfilling my part of the settlement agreement. I am a registered nurse working faithfully to give the best care to my community, but in the terrible inhuman predicament I am in, with no formal notice or attempts to correct the problem before it got this far, I am at your mercy to please look into this horrific nightmare that I have been willing to resolve ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Atlantic Recovery Solutions LLC
State: IL

Complaint narrative:
I have my debt accounts enrolled with XXXX XXXX XXXX XXXX who represent my debts. 
I have an old account with XXXX XXXX who's debt was bought out by XXXX XXXX XXXX XXXX XXXX ). They are well aware not to contact nor any associates or family members or at workplace. They did all of them 3x this past week. 4 family members were contacted. My work was contacted. I called them on XXXX to tell them to stop.

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