vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
Hello, My account is been blocked over 3 weeks. 
I submit all the information regarding to be able access to my account again but i did not received any update. 

I need access to my account and i need acces to my money. 

XXXX XXXX my phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-15 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis is continuing to report a XXXX  XXXX bankruptcy ( Case # XXXX ) on my consumer file using inaccurate and unverifiable data, in violation of the Fair Credit Reporting Act ( FCRA ). 

They claim to verify the record using a public PACER court file and an address that has been disputed and removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address has already been : Deleted by XXXX ( Dispute Confirmation # XXXX ) Disputed in multiple complaints to LexisNexis and the CFPB Confirmed as removed in previous LexisNexis correspondence ( XX/XX/year>, Case # XXXX ) Despite this, LexisNexis continues to report the bankruptcy and claims PACER  is a sufficient source of verification. PACER is not a certified or verifiable source under the FCRA. LexisNexis failed to provide : A certified docket or court document linking the bankruptcy to me Any direct proof such as a signed filing or creditor matrix A proper method of verification, violating FCRA 1681i ( a ) ( 6 ) They also failed to conduct an independent reinvestigation as required by FCRA 1681s-2 ( b ), choosing instead to forward the dispute to the credit bureaus which does not fulfill their obligations as the furnisher.

This also violates FCRA 1681e ( b ), which requires LexisNexis to maintain maximum possible accuracy. They continue to rely on removed and disputed identifiers, leading to the continued misattribution of a bankruptcy that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-15 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: AL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-15 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian, Equifax, and TransUnion for willfully violating the Fair Credit Reporting Act ( FCRA ) by failing to remove outdated and unverified negative information from my credit report and by ignoring legally required investigation timelines. 

Details of the Violation : On XX/XX/XXXX, I sent a legally valid request to all three credit bureaus, requesting a description of procedures used to verify certain disputed accounts on my credit file. They received these requests via registered mail by XX/XX/XXXX, and were required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to respond within 15 days. No response was ever provided. 

On XX/XX/XXXX, I submitted all requested identifying documents via certified mail. These were confirmed delivered, yet each bureau has since attempted to restart the process by requesting the same documents again, which is an unlawful delay tactic under FCRA 1681i ( a ) ( 1 ) ( A ). 

In addition, the following accounts are past the 7-year reporting limit under FCRA 605 ( a ) and must legally be removed : XXXX XXXX Opened XX/XX/XXXX XXXX ( XXXX XXXX XXXX  ) Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX These accounts are either unverifiable or outdated and should have been removed, but they continue to appear on my credit reports. My direct written requests to the credit bureaus have been ignored or met with unlawful delays, which have caused undue XXXX  and harm to my creditworthiness. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my rights under federal law are protected.

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 2025-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On many occasions I asked the company to assist with hardship for paying back a card they closed while it was up to date on payments. They never notified me they would be closing the card. It hurt my credit while I am already dealing with hardship. Causing me further XXXX  and XXXX XXXX as I already suffer from extreme XXXX, XXXX, and XXXX  They proceeded to most recently on XX/XX/year> take funds out of my bank account in the amount of $ XXXX7unlawfully as they do not have any court order allowing them to do so. This violates my rights as a consumer. I now am looking to seek legal action against them as this is not the first time they stole money from my account. Refused to refund or reverse the transfer and refused to assist me in anyway. They have been rude to myself and my wife on many occasions when we call in. I will proceed with suing them should this not be resolved. I now do not have the XXXX I needed from my taxes which is the money they stole to fix my vehicle. I may lose my job now on account of navy federal credit unions actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
This account has always been paid as agreed and on time, without exception. Whats currently being reported is not only inaccurateits a clear violation under 15 U.S.C. 1666B, which protects against billing errors of this nature.

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 2025-04-15 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:
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 2025-04-15 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XX/XX/XXXX Transunion LLC Consumer Dispute Center XXXX XXXXXXXX XXXX, PA, XXXX Subject : Formal Dispute and Privacy Complaint Unauthorized Access to XXXX XXXX XXXX Records To Whom It May Concern, I am writing to formally dispute and report a serious breach of my privacy concerning unauthorized access to my XXXX XXXX XXXX records. Specifically, I have reason to believe that my personally identifiable information ( PII ) and XXXX XXXX  data were accessed or disclosed without my knowledge or consent. also the reinsertion of information into my credit report without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Under the Family Educational Rights and Privacy Act ( FERPA ) and Privacy Act of 1974, I have the legal right to control access to my educational and financial aid records. Any unauthorized access or disclosure of this information is a violation of federal law.

I am requesting the following : 1. A full investigation into the alleged unauthorized access.

2. The name ( s ) of any party or parties who accessed or received my records, including the date and reason for access.

3. Written documentation confirming whether any unauthorized third parties ( including individuals or organizations ) accessed my information.

4. Immediate action to secure my information and prevent further unauthorized access.

Please treat this as a formal request under FERPA and applicable privacy laws. I also reserve the right to file a complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and take legal action if necessary.

I am including a copy of my government-issued ID and social security card to confirm my identity. 

I respectfully request a response in writing within 30 days, as required by 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 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Complaint against Citizens PayLOC Account XXXX. XXXX I am submitting this complaint regarding serious issues I faced with my Citizens PayLOC account. While I was temporarily out of the country due to a critical family emergency my mother underwent a XXXX XXXX I was unable to make payments on time. However, this was not simply due to my absence. The companys internal system errors played a major role in preventing me from resolving the issue. 

Citizens Pay had incorrect information in my account profile, including my phone number. Every time I attempted to contact them by phone from abroad, my account would get locked because they tried to call back on a U.SXXXX number that was not functional in XXXX. I repeatedly asked for alternative methods of authentication or ways to verify my identity, but they were unwilling to provide a solution. 

I also tried reaching them via email and through all contact methods available, but I received no assistance or resolution. As soon as I returned to the United States, I promptly paid the overdue balances. 

Despite all this, Citizens Pay has refused to remove the negative credit reports related to this issue. These late payments XXXX XXXX, XXXX XXXX, and XXXX XXXX are a result of a situation that was partially caused by their own system errors and poor customer service. I believe this is an unfair representation of my credit behavior and is severely impacting my credit score. 

I respectfully request that the CFPB investigate this matter and support the removal of these derogatory marks from my credit report. 

Thank you for your attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: AL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MD

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 2025-04-15 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: WV

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-15 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Activated Lexus Pursuits credit card on XX/XX/year>. This card is issued by Comenity Bank. They advertise that cardholders will receive XXXX points for every dollar spent at a XXXX XXXX. Purchased a new XXXX at the XXXX XXXX XXXX in XXXX Texas on XX/XX/year>. Used my Lexus Pursuits credit card for a {$5000.00} down payment and also purchased a vehicle service agreement for {$1700.00} dollars for a total credit card purchase at the dealership of {$6700.00}. I was expecting to receive XXXX x XXXX points which equals XXXX points with a total dollar value of {$330.00}. On or about XX/XX/year> I checked my XXXX XXXX online account and was able to see XXXX points credited to my account versus the XXXX expected. I immediately called customer service and after much discussion with a XXXX they agreed to open up an investigation to resolve thi s matter. On XX/XX/year> I received a letter from Comenity Bank stating that my rewards points balance was correct. They acknowledged that I had spent {$6700.00} at a XXXX XXXX and claimed I had received 5 % back at the dealership which was completely untrue.

Company response to consumer: Closed with non-monetary relief