vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-03 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-03 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-03 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: IN

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2025-01-03 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: IN

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2025-01-03 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: PA

Complaint narrative:
What Happened : On [ XXXX ], I noticed that XXXX, XXXX, and TransUnion are reporting inaccurate information on my credit report. The issue involves XXXX closed accounts that are showing late payments and a balance totaling {$22000.00}. This is a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. Sec. 1681. 

Actions Taken : - My Actions : - On XXXX, I sent written disputes to XXXX, XXXX, and TransUnion regarding the inaccurate late payment and balance information being reported. 
- On XXXX, XXXX, XXXX, XXXX, and XXXX, I called each credit agency to follow up on the disputes. 

- Credit Agencies ' Actions : - Despite my efforts, the disputes have not been verified, nor have the inaccurate information been deleted or corrected to reflect updated information. 

Outcome : I assert that each agency named above failed to conduct a reasonable investigation after receiving written disputes about the inaccuracies, as required under the FCRA, and failed to report accurate information, breaching the FCRA laws ( 15 U.S.C. Sec. 1681s-2 ( b ) ). I am seeking the removal of the inaccurate information from my credit report and an update to my credit status.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
What Happened : On [ XXXX ], I noticed that Equifax, XXXX, and XXXX are reporting inaccurate information on my credit report. The issue involves 11 closed accounts that are showing late payments and a balance totaling {$22000.00}. This is a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. Sec. 1681. 

Actions Taken : - My Actions : - On XXXX, I sent written disputes to Equifax, XXXX, and XXXX regarding the inaccurate late payment and balance information being reported. 
- On XXXX, XXXX, XXXX, XXXX, and XXXX, I called each credit agency to follow up on the disputes. 

- Credit Agencies ' Actions : - Despite my efforts, the disputes have not been verified, nor have the inaccurate information been deleted or corrected to reflect updated information. 

Outcome : I assert that each agency named above failed to conduct a reasonable investigation after receiving written disputes about the inaccuracies, as required under the FCRA, and failed to report accurate information, breaching the FCRA laws ( 15 U.S.C. Sec. 1681s-2 ( b ) ). I am seeking the removal of the inaccurate information from my credit report and an update to my credit status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MI

Complaint narrative:
Money wasnt refunded after having an old account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CA

Complaint narrative:
Attention : Credit reporting agency, EquifaxDate : XXXX To Whom It May Concern, This item was purchased by a Third Party Debt Collector ( Collection Company NameXXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account nameXXXX XXXX XXXX, Account number : XXXX, incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks, My full Name is : XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX CA XXXX Last XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Someone submitted an application in my name to XXXX and XXXX XXXX. My XXXX report was pulled. I tried to pull my Experian and XXXX XXXX reports to see if anyone pulled those reports but neither company provided me with my credit file. The false application occurred on XX/XX/year>. I tried to pull my reports on XX/XX/scrub>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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America refuses to approve my fraud claim on my credit card. I did not make those charges and they are trying to force me to be responsible for charges I did not make.

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 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: GA

Complaint narrative:
I dont know where this came from but it says something about your XXXX XXXX I dont even know what that is I never owed anybody XXXX dollars thats absurd then it says been purchased by XXXX XXXX I dont know what that is ether Im confused and I want it off my file Im not paying something that I didnt even do.

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 2025-01-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I filed a police report with XXXX sheriffs dept - and advised them that {$4400.00} was stolen from me. I never received the Money Network card that was issued to me. When I called them on XX/XX/year> they advised that the funds were withdrawn. I asked how could they have done that and they said that I would have had to authorize it. I never did so. I called Money Network several times, and every time it was lenthy wait times, sometimes over 2 hours only to be told that all I could do is appeal. I asked for proof of who or where i was able to authenticate my info so the withdraw can take place. This week, I received a letter stating a date/time and telephone number of who called to validate my information. However, this is a lie. The number listed is for my brother in law. I can provide copies of the document received as well as my brother in laws cell phone records that can prove that he made NO call on the alleged date that Money Network states. All of the information I have received, the lies, the run around and now this supposed proof are all a scam. I have reached out to my Senator, local Media and anyone who is willing or able to help as this is so unfair. I am still on unemployment due to a XXXX and will remain so, on doctors orders until XXXX- this needs to be resolved, as this is obviously a scam Dispute Case ID- XXXX XXXX XXXX Sheriff Dept report : XXXX XXXX part 1 shows page 2 - no call was made to Money Network as they show on their records XXXX part 2, page 1 - shows no calls made to Money Network as they show on their records

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 2025-01-03 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 trafficking. 

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

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 2025-01-03 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: AZ

Complaint narrative:
I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

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 2025-01-03 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: MI

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: Shellpoint Partners, LLC
State: LA

Complaint narrative:
No one would help because I didn't have the account number and the account is closed they couldn't or wouldn't give any info.

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 2025-01-03 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NV

Complaint narrative:
I am writing to submit a formal complaint regarding my student loans, which are currently impacting my credit report. Despite having applied for student loan forgiveness and meeting the necessary criteria, my loans were recently transferred to a new servicer, and I am now facing difficulties that I can not afford to resolve. Initially, my loans were marked for forgiveness by my previous loan servicer, and I was under the understanding that they would be discharged and removed from my credit record. However, after the loan was transferred, the new servicer has not honored the forgiveness agreement, and the loans have reappeared on my credit report. 

Given my financial situation, I am unable to afford the repayments on these loans. The student loan forgiveness program was my last viable option for resolving this debt, and it was my understanding that my loans would be forgiven and removed from my credit record. I am now facing undue stress and financial hardship as I continue to be held responsible for a debt that should have been discharged. It is causing significant harm to my financial well-being and preventing me from moving forward in rebuilding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: GA

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 explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The fraudulent and inaccurate information appearing on my consumer report has persisted despite my repeated efforts to address these unauthorized entries. As a confirmed victim of identity theft, I never authorized or consented to these items being associated with my name, and their continued presence has caused immense personal distress while significantly disrupting my financial wellbeing. The emotional toll of dealing with this identity theft has been overwhelming, affecting my daily life and peace of mind.

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