vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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 personal information was impacted by the Equifax data breach which is in violation of 15 USC 1681. As a result I have been victim of identity theft and accounts have been open in my name using my information. I have contacted consumer reporting agencies in regards to this and they have failed to remove the items that do not belong to me which is illegal. Alo this account shows as a charge off whivh is income and income is not reported on consumer report.

This account is also reporting without address and phone number to contact them which is violation of the fair credit reporting act. I demand this is removed immediatly for a number of resonses. Account that do not belong to me is as follow, which is impacting me greatly and stopping me from getting credit extended : XXXX XXXX XXXX Balance {$7600.00}

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 2025-03-22 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: AZ

Complaint narrative:
There has been a breach of FERPA of my information has been compromised without my consent from DOGE and I demand my XXXX  loans be removed and cancel my XXXX  loan debt and discharge from my credit report and due to this violation of my financial and personal information. You have five business days.

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 2025-03-22 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: AZ

Complaint narrative:
There has been a breach of FERPA of my information has been compromised without my consent from DOGE and I demand my XXXX  loans be removed and cancel my XXXX  loan debt and discharge from my credit report and due to this violation of my financial and personal information. You have five business days.

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 2025-03-22 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: AZ

Complaint narrative:
There has been a breach of FERPA of my information has been compromised without my consent from DOGE and I demand my XXXX  loans be removed and cancel my XXXX  loan debt and discharge from my credit report and due to this violation of my financial and personal information. You have five business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington national Bank is reporting on my credit debt owed on an auto loan and a voluntary repossession. I requested a verification of debt and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
I went to XXXX on XX/XX/XXXX to purchase money orders totaling {$3200.00}. However, I later decided that I no longer needed them, so I returned to XXXX to cash them. Unfortunately, they could only cash the {$230.00} money order. 

I reached out to Western Union for assistance, and they advised me to try cashing the money orders at a Western Union location. I attempted to do this at both XXXX XXXX and XXXX XXXX, but they informed me that they do not cash money orders. 

After that, I contacted Western Union again, and they told me I needed to submit a request form. I still have the money orders, along with the receipts and stubs, but I must wait for them to investigate the issue. 

On XX/XX/year>, I spoke to a representative and explained that I was trying to purchase a car. I was told that the supervisor was on another call and would get back to me, but I never received a call. The salesperson reaches out to me and advise the car was sold that I was looking to buy, Today, I chatted with another representative and was informed that my case had been escalated. I reiterated that I still possess the money orders, which were never cashed. The representative told me there was nothing further they could do. 

I let them know that I would file a complaint, which brings us to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am writing to formally dispute and request the removal of charge-offs listed on my credit report associated with account numbers : Bank of america XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( NOT MINE PLEASE REMOVE ) XXXX XXXX  : XXXXXXXX XXXX XXXX XXXXXXXX ( how is it paid in full and charged off? REFUND ME ) XXXX XXXX XXXXXXXX I understand that these accounts were charged off ; however, Under 15 U.S.C . 1681 ( e ) ( b ) of the Fair Credit Reporting Act, information on a consumers credit report must be accurate and up to date. If this debt has already been written off as a loss and claimed on taxes, why is it still being reported on my credit file? ( i paid for XXXX XXXX to be paid as agreed but they accepted my gift and wrote it off on their taxes and stil report derogatory on my report i need a refund ). A charge-off should be recorded only once, and continued reporting may be inaccurate. 

Additionally, since it is a charge off a 1099-C Cancellation of Debt was issued for this account, & I should have received a copy. I never received one, which raises concerns about the legitimacy of this reporting. If the debt was canceled or forgiven, it should no longer be negatively affecting my credit report, and for tax purposes I need those documents. 

I am requesting a pay-for-delete agreement or a permanent removal of this charge-off from my credit report with monetary relief for the damages for seriously harming my lively hood and chances to buy a home. I expect to get a response swiftly.

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 2025-03-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX with account number XXXX on XX/XX/year>.

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 2025-03-22 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:
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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-22 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: VA

Complaint narrative:
Today XXXX XXXX I called Equifax the agent XXXX ID # XXXX told me that the debt collections from XXXX XXXX XXXX XXXX for {$90000.00} has been verified on XXXX XXXX. XXXX XXXX was 30 days after filing dispute initially on XXXX XXXX. The agent asked if I wanted to dispute again. I said yes. Disputed again and was given another confirmation number. However I believe Equifax has violated FCRA. Equifax failed to validate the debt within 30days. The agent said they mailed me a letter for the dispute, they mailed me a letter for an old dispute about incorrect addresses, names and employment history. Not for this debt collection dispute. Equifax needs to immediately delete this off my credit report! Today my identification verification letter is still at the XXXX XXXX address. Has been there since XXXX XXXX and will be returned to me via mail by the usps tomorrow XXXX XXXX. Equifax failed to check there mail for two weeks and that is not a valid excuse to keep a collections on my account. To identify myself I was texted a link to upload my drivers license front and back and take a selfie to authentic myself in Equifax system! Before XXXX spoke with me about my dispute. He said he didnt see the dispute I made XXXX XXXX after giving him the confirmation number. Ive complied with Equifax already and it is past the 30 days. I wrote the debt collection agency a letter also which they still never received and I certified mailed it XX/XX/XXXX. Theyve never received the letter its still in transit from what the usps tacking shows. Neither have verified the debt. Equifax claims to have verified the debt but refused to tell me how.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: FL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate and unauthorized collection account that is being reported on my credit file. The collection account in question is listed under the name XXXX XXXX XXXX with an account number ending in XXXX. 

This account does not belong to me, and I have no knowledge of any debt owed to this agency or original creditor. As a consumer, I am requesting an immediate investigation into this matter

under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The following violations are being brought to your attention : FCRA 1681s-2 ( a ). Furnishing inaccurate or incomplete information to credit bureaus is prohibited. FCRA 1681i ( a ). I have the right
to dispute any information on my report, and the bureau is required to complete an investigation within 30 days. 
FDCPA 809 ( 15 USC 1692g ). I was never provided with a written validation notice of the debt. 
FDCPA 807 ( 15 USC 1692e ). It is a violation to report false information or misrepresent the character, amount, or legal status of a debt. 
Furnisher Liability FCRA 623. The collector is responsible for verifying the accuracy of the information they provide to credit bureaus. 

If this inaccurate item is not removed from my credit reports, or if validation is not provided within the required timeline, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Submit disputes to the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. Consider legal action under FCRA and FDCPA for damages due to negligence, defamation, and emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-22 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: CA

Complaint narrative:
EQUIFAX IS REPORTING FRAUDULENT ACCOUNTS THAT HAVE BEEN DISPUTED AND PROPER DOCUMENTATION SNT FOR REMOVAL OVER LAST YEAR THEY HAVE AND CONTINUE TO VIOLATE THE RULES AND REGULATIONS REGARDING THE DISPUTE PROCESS AND REMOVING OF THESE FRAUD ACCOUNT THESE ACCOUNT AND BALANCE DO NOT BELOGN TO ME XXXX XXXX  AND XXXX FRAUD AND IDNITY THEFY ACCOUTN DO NOT BELOGN TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
From XXXX to current, several attempts made to contact customer support about activity on the account in reference to its functionality and features that exposed sensitive information and allows access to my linked accounts. Not being able to trace or identify merchant resolutions or request further investigation on matters presented. No live support or follow up that provided resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I paid off XXXX  loans with XXXX but they are still showing on 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 2025-03-22 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: NC

Complaint narrative:
I paid off XXXX  loans with XXXX but they are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
I paid off XXXX  loans with XXXX but they are still showing on 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 non-monetary relief
Consumer complaint received 2025-03-23 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: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of student records. Which was not upheld.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 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: NJ

Complaint narrative:
I am writing to formally dispute the late payment entry on my credit report associated with the account listed below. I believe this late payment is inaccurate and does not correctly reflect my actual payment history. Under 12 CFR 1026.13, which governs the accuracy of consumer credit reports, I am requesting that this incorrect late payment entry be investigated and removed from my credit 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 2025-03-22 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
I wrote a letter to National Credit Systems on XX/XX/year> to formally request validation of a debt that National Credit Systems is reporting to the credit bureaus under my name. According to my credit report, they claim I owe {$26000.00} for an account allegedly associated with me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I requested detailed information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
This is XXXX XXXX writing on my behalf, this is not a robot, this is not a third-party company. Please do not send me anything stating that you do not know if this is me actually writing. On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 45 days since and I have not received a response. I am feeling taken advantage of and my disputes are being ignored. Section 611 ( a ) of the FCRA clearly states that failure to investigate these items within 30 days gives reason to immediately remove the items from my credit report. It has been 45 days so these account should be deleted promptly. I demand that these account be deleted immediately or I will file for litigation due to the stress you've caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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