vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX reported a XXXX late payment on my TransUnion credit report XXXX a XXXX late payment on my XXXX  credit report for XXXX alleged delinquent amount of {$36.00}. I believe these reports are inaccurate, as I did not miss any payments or owe this amount as reported. Beginning in XX/XX/XXXX, I contacted XXXX  XXXX by phone on at least XXXX occasions ( approximately XX/XX/XXXX, XX/XX/XXXX, XXXX XXXXXX/XX/XXXX ) XXXX dispute the inaccurate reporting, explaining that the late payment entries were incorrect. Each time, XXXX XXXX representatives stated they would investigate, but no corrections were made to my credit reports. 

Additionally, on XX/XX/XXXX, XXXX  again on XX/XX/XXXX, I sent written dispute letters XXXX XXXX XXXX via certified mail, requesting removal of the inaccurate late payment entries XXXX providing evidence of my payment history, including bank statements showing timely payments. XXXX XXXX responded XXXX  my first letter on XX/XX/XXXX, claiming the reporting was accurate but provided no supporting documentation. I received no response XXXX  my XXXX  letter. As of XX/XX/XXXX, the inaccurate XXXX XXXX  XXXX late payment entries remain on my TransUnion XXXX XXXX credit XXXX, XXXX, significantly impacting my XXXX XXXX. I have requested that XXXX XXXX remove these incorrect entries, but they have not taken corrective action.

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 2025-04-29 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: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX reported a XXXX late payment on my TransUnion credit report and a XXXX late payment on my Equifax credit report for XXXX alleged delinquent amount of {$36.00}. I believe these reports are inaccurate, as I did not miss any payments or owe this amount as reported. Beginning in XX/XX/XXXX, I contacted XXXX XXXX by phone on at least XXXX occasions ( approximately XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX ) XXXX dispute the inaccurate reporting, explaining that the late payment entries were incorrect. Each time, XXXX XXXX representatives stated they would investigate, but no corrections were made XXXX  my credit reports. 

Additionally, on XX/XX/XXXX, XXXX again on XX/XX/XXXX, I sent written dispute letters XXXX XXXX XXXX via certified mail, requesting removal of the inaccurate late payment entries XXXX providing evidence of my payment history, including bank statements showing timely payments. XXXX XXXX responded XXXX my first letter on XX/XX/XXXX, claiming the reporting was accurate but provided no supporting documentation. I received no response XXXX my XXXX letter. As XXXXf XX/XX/XXXX, the inaccurate XXXX XXXX XXXX late payment entries remain on my XXXX  and Equifax credit XXXX, XXXX, significantly impacting my credit score. I have requested that XXXX XXXX remove these incorrect entries, but they have not taken corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX reported a XXXX late payment on my XXXX  credit report and a XXXX late payment on my XXXX credit report for XXXX alleged delinquent amount of {$36.00}. I believe these reports are inaccurate, as I did not miss any payments or owe this amount as reported. Beginning in XX/XX/XXXX, I contacted XXXX  XXXX by phone on at least XXXX occasions ( approximately XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) XXXX  dispute the inaccurate reporting, explaining that the late payment entries were incorrect. Each time, XXXX XXXX representatives stated they would investigate, but no corrections were made XXXX my credit reports. 

Additionally, on XX/XX/XXXX, XXXX  again on XX/XX/XXXX, I sent written dispute letters XXXX XXXX XXXX via certified mail, requesting removal of the inaccurate late payment entries XXXX providing evidence of my payment history, including bank statements showing timely payments. XXXX XXXX responded to my first letter on XX/XX/XXXX, claiming the reporting was accurate but provided no supporting documentation. I received no response XXXX my second letter. As of XX/XX/XXXX, the inaccurate XXXX XXXXd XXXX late payment entries remain on my XXXX XXXXXXXX XXXX  credit XXXX, XXXX, significantly impacting my XXXX XXXX. I have requested that XXXX XXXX remove these incorrect entries, but they have not taken corrective action.

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 2025-04-29 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: NC

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-04-29 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: SC

Complaint narrative:
The following accounts are not mine and were not authorized : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2025-04-29 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally closed a bank account of mine that has over {$11000.00} in it. Given that I do not have access to the bank account, I subsequently do not have access to the funds. 

As such, I am here with your service to ask for help in them to finish the job and deliver me a check for the balance of the account. 

There is no reason why the money should have been held this long and at this points all funds are free and clear. 

I am happy to submit any further documentation necessary to have this request satisified and for them to release my funds to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureau has dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 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

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 2025-04-29 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: RI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-04-29 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:
On XX/XX/XXXX, I submitted a dispute to TransUnion regarding fraudulent and inaccurate accounts appearing on my credit report. Despite providing supporting documentation, these accounts remained, and I did not receive a proper description of how TransUnion verified the disputed information. 

On XX/XX/XXXX, I formally requested the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). Specifically, I requested ( 1 ) a detailed description of the procedures used to determine the accuracy and completeness of the information, ( 2 ) the name, address, and telephone number of any furnisher contacted, and ( 3 ) copies of any documentation relied upon.

To date, TransUnion has not provided the requested method of verification or the detailed information required by federal law. This failure has prevented me from understanding how they concluded the disputed information was accurate. 

The disputed accounts involve two XXXX XXXX accounts and two XXXX XXXX XXXX accounts that do not belong to me and were reported fraudulently. 

I believe TransUnions failure to comply violates my rights under the FCRA.

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 2025-04-29 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:
I am writing this complaint regarding fraudulent items on my credit report. After reviewing my updated report, I noticed that some of these items have been removed, and I would like to thank you for addressing them. However, there are still some fraudulent items that remain on my report. 
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

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 2025-04-29 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Consumer Response ( XX/XX/year> ) : I am responding to NMACs XX/XX/year> letter. I dispute the account entirely. 
The contract provided on XX/XX/year> showed no consumer signature, and the newly provided contract shows a different signature that is not mine. 
Additionally, NMACs letter improperly references another individual ( XXXX XXXX ), further proving their mishandling of my dispute and demonstrating inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). 

I have attached : Exhibit A : XX/XX/year> contract ( no signature ) Exhibit B : XX/XX/year> contract ( forged signature ) Exhibit C : NMAC response referencing the wrong person Signed Identity Theft Affidavit ( XX/XX/year> ) I request that CFPB fully investigate NMAC for the following violations : Failure to properly investigate my dispute under 15 U.S.C. 1681i. 
Failure to maintain reasonable procedures to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 
Reporting inaccurate information after receiving notice of dispute under XXXX U.S.C. 1681s-2 ( b ). 
Mishandling of consumer identity fraud complaints. 

Additionally, NMAC violated my prior written request ( XX/XX/year> ) to restrict communications to U.S. Mail only, which further shows their noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
* * Accounts in Question : * * -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 Personal Information : * * Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report. 
Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report. 
Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion. 
Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account. 
If you require any further documentation or clarification, please let me know. 
Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request. 
Sincerely, XXXXXXXX XXXXXXXX

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-04-29 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: FL

Complaint narrative:
I am filing a complaint to formally dispute certain information on my credit report. I have reviewed my credit file and Found the following items to be inaccurate and/or unverifiable. 
Item Being Disputed : NXXXX 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 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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

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 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 2025-04-29 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: EdFinancial Services
State: MI

Complaint narrative:
On XX/XX/year> I paid off my entire loan of {$9000.00}. I canceled my auto payment that same day and then on XX/XX/year> they took out an additional {$900.00} from the auto payment I called and complained and the lady on the phone said she doesnt know why that happened and that she would refund the money. It never came and its been XXXX weeks. Ive tried calling from multiple numbers and have not received a call back to any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AL

Complaint narrative:
I have not initiated any transactions with these companies and do not have an " account '' as defined by law.

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