vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: MI

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

Company 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 2025-04-14 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: CA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-04-14 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: VA

Complaint narrative:
I took out a XXXX XXXX XXXX XXXX in 2009 for {$6000.00}. The variable interest rate is currently at 15.5 %. I have paid about $ XXXX over the years, and still have about {$8500.00} to go. I desperately need a new interest rate as I have already paid the loan almost 3 times over, and will have paid almost 4 times over once it is paid off. I'm trying to get a lower interest rate but I don't qualify for refinancing and am given no other options. I do not have a lump sum of money currently to offer a settlement, but I am willing to agree to a large monthly payment if the interest is lowered. This is literally robbery, I shouldn't be expected to continue paying on a loan that has been paid 3 times over. I was young when I took out the loan and didn't know any better, however I have already paid for my stupid decision and I need out. I hope XXXX XXXX is destroyed because of these stories. They are literally robbing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I made a full balance transfer payment on my Destiny/ Concora credit card on XX/XX/11 - it is now XX/XX/XXXX and they have not posted payment however have processed the balance transfer. They have no direct email or contact information except for a Fax line : it has been impossible to reach a real person. They have accepted the balance transfer without processing it to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX switched their card and had capital one take it over. I had a {$4.00} balance i was unaware of. They never notified me, by email, mail, or phone. I didnt notice until applying for a loan that my old kohls card was dropping my credit. When i paid on capital ones phone line they wont even send me a proof of payment. I never was notified and am extremely upset. My old kohls card number and personal info yields no balance on the kohls website

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations ( CDIA ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing.

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : Showing multiple times on report for the same account, incorrect balance, inaccurate date. 
If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be corrected or removed from all consumer reporting agencies to which it was reported.

Under 15 U.S. code 1681 S 2A Ifurnishers must report accurate information. Under 15 U.S. code 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Under 15 U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt.

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the public record of a bankruptcy and how it is reporting on my credit reports transunion, equifax and experian requesting that they verify this information with the clerk of the XXXX NY bankruptcy court. If the credit reporting agencys confirm They can verify this information then I want something in writing that provides the procedure in which the courts provide information to the credit reporting agencys, From my understanding bankruptcy courts do not report any information to the credit bureaus. These reporting requirements do not comply with FCRA 611 ( 15USC & 1681 ) and I want this information deleted from the the credit bureaus immediately. I also do not want my information reporting on ( XXXX XXXX ) so I am filing a complaint against them and all 3 credit reporting Agencys.

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 2025-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Ive tried numerous times to contact XXXX to find out how I can dispute my loans but I keep getting the runaround. No one returns my calls. I get emails weekly that I need to make a payment. But no one answers any of my questions.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-14 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: DISCOVER BANK
State: FL

Complaint narrative:
I am a senior in XXXX th year and have XXXX XXXX XXXX XXXX I called the XXXX XXXX XXXX on XX/XX/year> at XXXX Pm to reserve a room for 2 nights in late XXXX booking # XXXX. 
.A fast talking New York trained hard seller said it was one of the last rooms and I had to book or lose it for a family function. It was a non- face to face transaction and he said had a non cancel policy which I heard BUT DID NOT PROCESS completely in my panic mode suspending critical judgment due to my age.

I never heard in my life of room that could not be cancelled almost 9 months in advance so took it as " Pro forma '' usual talk to consumers to book and I was subjected to rapid-firing high pressure talk from their " shark '' sales force..

I found out that family function was cancelled and called hotel back to cancel room at XXXX Pm some 2 hrs. 40 mins later and they said sorry no can cancel. 
I was shocked! 
I called Discover Card immediately and told them of incident and said please dishonor this bill for over {$1200.00}, First, Since it was a non-face to face, and second it was booked by a fast talk high pressure sales person who knew my age and talked so fast that I did not fully understand and process everything until after I called to cancel. 
I told Discover the cancel call was done under 3 hrs. after reservation XXXX was made. I was shocked when Discover said " sorry, the booking said no cancellation and it must be paid. '' I told them of the high pressure, my age, my hard of hearing and slowing mental process with the New York high pressure sales. Discover said sorry must be paid. 
I cancelled the credit card with Discover and instructed my bank not to pay any more bills from Discover and they honored the stop pay to Discover.

Now Discover is harassing me to pay that hotel bill..

Please help me resolve this as I believe it was senior abuse on steroids from the hotel and a non-caring Discover Card.. Thank you very much for your kind consideration in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
Timeline of Events On XX/XX/XXXX, {$14000.00} was withdrawn from my USBank Checking account ( ending in XXXX ) and electronically sent to an XXXX checking account ( ending in XXXX ). I filed two separate Claim Form for ACH Entries and Electronic Checks to USBank, dated XX/XX/XXXX, and XX/XX/XXXX. A reply letter from USBank, XX/XX/XXXX, stated that I did authorize the XXXX transaction, and my claim was denied. I called the USBank and XXXX Bank. 
XXXX XXXX did acknowledge the fraudulent transfer of money from my USBank checking account and placed the account ending XXXX into a frozen state. XXXXXXXX XXXX stated several times that they would transfer the money back to USBank, but USBank had to contact them and request that the money be transferred back to me. XXXX XXXX stated they have not heard from USBank ; the last conversation with XXXXXXXX XXXX  was XX/XX/XXXX. 
As a result of the fraudulent transaction steps, I had to take. Freeze all three credit reports ( XXXX, XXXX, and XXXX ), E-Verify, self-lock my social security number, and file with the FBIs Identity Theft Program, reference number XXXX. 
On XX/XX/XXXX, my last call to USBank, I was told basically that there is nothing more they could do, read a disclaimer, and hung up on me. When I called XXXXXXXX XXXX  on XX/XX/XXXX, they stated they had not heard from USBank. 
I notified the XXXX XXXX XXXX XXXX XXXX  ) of this. 
I started the process with the XXXX  on XX/XX/XXXX, with the XXXX XXXX XXXX XXXX XXXXXXXX. I heard back on XX/XX/XXXX, from XXXX and USBank, they stated that I did authorize this transaction, and there is nothing else that can be done. 
I attempted again on XX/XX/XXXX, and was denied again. 
I contacted the XXXX XXXX XXXX branch in an attempt to work with XXXX XXXX to return my money to my USBank checking account on XX/XX/XXXX. They stated that USBank must request the funds from XXXX XXXX and place the money back into my USBank account. 
I attempted a final attempt with the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and have not heard back from them. 
XXXXXXXX XXXX reference number XXXX and customer ID number XXXX. 
XXXX XXXX case number XXXX. 
XXXX XXXX XXXX case number 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 2025-04-14 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: MD

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
These are not mine XXXX XXXX XXXX {$730.00} opened XX/XX/year> and XXXX XXXX XXXX {$1200.00} opened XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
XX/XX/year> {$100.00} was taken from our banking account as payment to Mohela Student Loan Service Provider.

Their payment history is not showing this payment, but all others.

After calling and going through their lengthy automated phone choices, I decided to wait as they gave an approximate waiting time of 50 min. At 43 Minutes, I was hung up on, the phone call was disconnected.

It is very difficult to get ahold of anyone at Mohela. I then called the customer service at XXXX. Representative said he would have to transfer me. He did, however, after a lengthy wait, I was transferred to a XXXX representative who said she could not help me, but offered to give me the address to Mohela so I could send paperwork to file a complaint. We just want to see that are payment was applied. Any help would be appreciated! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/XXXX Experian po box XXXX, TX XXXX Subject : Request for Removal of Old Address and Alias Name from My Credit Report Dear Experian, I hope this letter finds you well. I am writing to formally request the removal of an old address and alias name from my credit report that do not belong to me. 
Personal Information : * Full Name : XXXX XXXX XXXX * Date of Birth : XX/XX/XXXX * Social Security Number XXXX * Current Address : XXXX XXXX XXXX XXXX, Texas XXXX Upon reviewing my credit report, I noticed an address listed under my name that is not associated with me, and I also found an alias name that I do not recognize. The details of the address and alias are as follows : 1. Old Address : XXXX XXXX XXXX XXXX, Texas XXXX, XXXX XXXX XXXX XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX, XXXX. Alias Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I kindly ask that you investigate and remove these inaccuracies from my credit file. I understand that you may require documentation to verify my request, so please let me know if any additional information or proof is needed.

Please send me a confirmation once these corrections have been made. I would appreciate it if you could update my credit report accordingly and inform me of the changes. 
Thank you for your prompt attention to this matter. Should you need to contact me for further clarification, please do so at the phone number or email address listed above. 
Sincerely, 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
Consumer complaint received 2025-04-14 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XX/XX/XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MID XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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.

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