vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-03-12 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX Bank opened on XXXX, an auto loan account opened at XXXX XXXX on XXXX with a balance of ( {$9000.00} ), an auto loan account opened at XXXX XXXX on XXXX XXXX, a personal account opened at XXXX XXXX on XXXX XXXX a personal with Possible Financial on XXXX with a balance of ( {$180.00} ). A collections account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$890.00} ) A collection Account opened at XXXX XXXX XXXX on XXXX with a balance of ( {$310.00} ), and a collection account opened at XXXX XXXX XXXX on XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-12 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 entered into a pay-for-delete agreement with the creditor. As part of the agreement, they assured me that once I paid off the account in full, they would remove the negative item from my credit report. I have made the full payment, but the account is still showing as a repossession on my credit report, and no deletion has occurred. 

Despite multiple attempts to contact the creditor, I have been unable to resolve the issue. This inaccurate reporting is harming my credit score and is a violation of the agreement I had with the creditor.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring the creditor fulfills the pay-for-delete agreement and removes the account from my credit report as promised. This account is still reporting on Transunion Thank you for your attention to this matter. Please do not hesitate to contact me should you require any further information. 


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 2025-03-12 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/year>, I completed an application to open a new XXXX XXXX  account from a mail offer sent with my exact name and address. 
The promotion offers a {$500.00} when you open your first, new Citizens XXXX XXXX  account and make at least one single direct deposit of {$5000.00} or multiple direct deposits totaling {$5000.00} within 60 days of account opening. 

The totality of the funds were wired on XX/XX/year> into the new XXXX Checking account. 
I called on : XX/XX/year> to ensure that the minimum fund were deposited to avoid any extra fees. I was told all is in good standing. 
XX/XX/year> I asked about the {$500.00} promotion to be told funds should be added next month. 
XX/XX/year> I inquired about promotion to be told next month. 
XX/XX/year> Ditto XX/XX/year> I inquired about promotion to be told next month. Returned XXXX XXXX monthly fee. 
XX/XX/year> : XXXX was unable to see the promotion after my inquiry. 
XX/XX/year> : XXXX from XXXX XXXX XXXX is due next month. 
XX/XX/year> : XXXX XXXX XXXX XXXX opens a case. 
XX/XX/year> XXXX. 
XX/XX/year> : XXXX XXXX number XXXX XXXX. She is not sure about what is going on in my case. 
XX/XX/year> : XXXX XXXX XXXX XXXX XXXX : 1 hour 43 minutes phone call to investigate why I had not gotten the promotion. I am informed the account was closed the day after it was opened for technical reasons. A glitch! XXXX arranges an in person appointment for XX/XX/year> at XXXX with bank manager XXXX XXXX at XXXX XXXX, PA, 30 minutes drive from my house, as only a bank manager has discretional abilities and could resolve this matter. I repeat word for word what was said over the phone : " the bank manager has a better portal. I showed up on time. Manager had a day off and was unavailable. No one was able to handle this matter. 
XX/XX/year> : XXXX XXXX injected {$25.00} into account as the account was still open! Bottom line : The account was open or closed depending who one was talking to. Absolutely confusing! 
XX/XX/year> : XXXX XXXX XXXX XXXX to close account. By then, it became clear that this account was nonsensical to keep. 
XX/XX/year> : XXXX XXXX XXXX to ensure account is closed. 
XX/XX/year> : XXXX XXXX XXXX XXXX requesting mail statements I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. The account shows open and never used/ cancelled by creditor but I never opened this account anyway.

In the results of the bureaus investigations they stated the following item was verified these items are being reported correctly? Who verified these accounts?

I have NOT been provided with ANY copies or original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 


XXXX XXXX  - XXXX I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of fraud.

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 2025-03-12 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally submit a complaint regarding my inability to access my credit report from XXXX XXXX despite repeated attempts to do so. I am a consumer who is entitled to a free annual credit report under the Fair Credit Reporting Act ( FCRA ), and I have made multiple efforts to access this report through both the official XXXX website and directly through the credit reporting agencys platform. 
Despite all attempts, I have not been able to successfully access my credit report. I have followed all instructions provided by the credit reporting agency and even attempted troubleshooting, but I have not received a satisfactory resolution. 
As a consumer, I am entitled to a free credit report under the FCRA, and I am concerned that this failure to provide me access to my credit report may be in violation of my legal rights. I respectfully request that the Consumer Financial Protection Bureau intervene to ensure that my issue is addressed and that I am provided with the necessary access to my credit report. 
Please advise on the next steps I should take and how the CFPB will assist in resolving this matter. 
Thank you for your attention to this issue. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Experian Report # XXXX Dated XX/XX/25 There are XXXX names listed for me and XXXX addresses listed that are incorrect, there must be only XXXX name and XXXX address. 
Names and Name ID listed below XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX Below Are the XXXX addresses that are incorrect : Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Phone Number incorrect : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
Experian Report # XXXX Dated XX/XX/25 There are XXXX names listed for me and XXXX addresses listed that are incorrect, there must be only XXXX name and XXXX address. 
Names and Name ID listed below XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX Below Are the XXXX addresses that are incorrect : Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Phone Number incorrect : 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 2025-03-12 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-12 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filled a complain against Bank of America for the unfair decision of close my Business Account because them just wanted to do it, for a Scam that I never participated and I reported to the bank by myself as soon I realized that I received a deposit that XXXX mine. After I placed the complain in CFPB, Bank of America just sent me a letter which is cohersive to me telling me that they would close my account and they will report it to XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX to avoid that I can open an account with any Bank or another financial institution for up to XXXX  years. Is retaliation from them. And I would like that Bank of America stop this report, and also re-open my Bank Account, because I have a Business that can be just perjudicated.

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 2025-03-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-12 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX contacted me about a debt from XXXX that was owed to HSBC. I was initially contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Person threatened with lawsuit if I didn't pay a discounted rate. Couldn't supply me with any information past personal information and the last four digits of an account. Asked for the full number. They would not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My and my wives joint bank account was hacked, and the perpetrators committed some kind of check fraud with which Ive had an ongoing investigation with the bank. Without authorization the bank has now debited my own checking account in only my name for a large sum of money and cant provide an explanation.

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 monetary relief
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-12 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: LA

Complaint narrative:
Fraudulent activities on my credit report, these items are unauthorized please have them removed immediately. 

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 non-monetary relief
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
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