vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
TRANSUNION EXPERIAN EQUIFAX Subject : Formal Request for Removal of " Closed '' Account from My Credit Report To Whom It May Concern, I am writing to formally request the removal of some " Closed '' account from my credit report. Under 15 U.S.C. 1681i, I have the right to dispute and request the deletion of inaccurate, outdated, or unverified information that negatively impacts my credit profile. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While these accounts are listed as " Closed, '' its continued presence on my credit report serves no permissible purpose under 15 U.S.C. 1681a ( d ) ( 1 ) and is negatively affecting my creditworthiness. If the account is not providing any active credit history or financial benefit, I am formally requesting its immediate removal from my report.

If the credit bureau believes this information must remain on my report, I request documented verification proving its necessity. Otherwise, failure to remove this account may be considered a violation of the Fair Credit Reporting Act ( FCRA ), and I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

I expect a response confirming the deletion of this account within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

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 2025-03-21 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
We were misled/misinformed about a timeshare when we bought it XXXX of XXXX. Called about cancelling and was told to resell. But would have to continue mortgage and maintenance fees. Made many phone calls even corporate and always lead to a dead end. Went back many times to discuss with a manager to give back and/or cancel contract back in XX/XX/XXXX and XX/XX/XXXX. Both times they gave phone numbers to call but we've already called those same numbers. Again, they can't help us

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 2025-03-21 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-03-21 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: AR

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-21 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: NY

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Consumer Portfolio Services, Inc.
State: WI

Complaint narrative:
The vehicle was voluntarily repossessed in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX. The company is now trying to file an insurance claim to my old insurance company for damages after they have already sold the vehicle at auction. The damages they are trying to file an insurance claim on were already present when the vehicle was purchased from the car lot. The vehicle was previously a work vehicle for a construction company. This is why the price of the vehicle was lowered in order for me to agree to purchase it due to damages that were present on the car lot. The truck bed was all scratched up. There were scratches in the paint and on the right side of the front bumper as well as the bumper partially hanging on one side. This is an unfair trading practice which is illegal. You can not submit an insurance claim for damages that were present at the time the vehicle was purchased from the car lot as well as trying to submit a claim after the company that repossessed it already sold the vehicle at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-21 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: GA

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. 


Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
On XX/XX/year> I attempted to make a cash deposit in my Navy Federal Account using a XXXX XXXX XXXX ATM located at XXXX XXXX XXXX XXXX in XXXX XXXX. After inserting Bills, screen showed a count of {$6800.00}. Due to me believing this was incorrect, I chose return bills instead of deposit. However, bills were not returned, and I received a receipt saying there was a problem returning bills please contact your financial institution. I immediately went inside XXXX XXXX and notified them of what had just happened. Afterwards, I went to a different lane and deposited the remaining cash in my possession into my account. Later that day, I contacted Navy Federal and disputed the {$6800.00} that was not deposited. Approx XXXX  days later, Navy federal denied my claim because account shows deposits were made that day. After explaining to Navy Federal that I was not disputing the deposits that were made but the one deposit that was not returned or deposited, Navy Federal advised me to make second dispute through app and upload receipt. Approximately a week later, Navy Federal also denied this claim due to XXXX XXXX XXXX notifying them that their machine had the correct count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 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: Maximus Federal Services, Inc.
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, 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 2025-03-21 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-21 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: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/year>, I submitted all required documentation through U.S. Banks online portal to dispute a {$380.00} charge from XXXX XXXX XXXX for services not rendered. Shortly after, I received an email from U.S. Bank stating there was an issue on their end. 

To ensure my dispute was processed correctly, I attempted to fax the documents multiple times, but U.S. Banks fax line was continuously busy. As a result, I sent the documents via XXXX  ( tracking # XXXX XXXX XXXX ) on XX/XX/year>, prior to the due date outlined by them ( XX/XX/year> ). However, due to delays on U.S. Bank 's end and U.S. Banks imposed deadline, I also used a paid fax service on XX/XX/year>. As per the bank, I still could send them the docs even after the set deadline. 

On XX/XX/year>, U.S. Bank sent me a letter incorrectly claiming that I had not provided any new information or documents, which is false. My submission records- including XXXX tracking, fax service confirmations, and my online account history - show otherwise. Additionally, this letter falsely framed my dispute as a balance dispute, which it never was. 

On XX/XX/year>, I spoke with a U.S. Bank representative XXXX XXXX XXXX XXXX who confirmed that my documents were received but stated that the dispute should not have been opened because it involved an insurance claim. However, this contradicts U.S. Banks initial handling of my case. My dispute was not about insurance coverage but about a charge for services not rendered, a distinction I clearly outlined in my submission. Moreover, the fact that U.S. Bank accepted and processed my dispute demonstrates that it was within their scope and should have been reviewed properly. 

Due to their lack of response and conflicting reasoning, on XX/XX/year>, I faxed a formal letter to U.S. Bank, requesting a detailed explanation of their decision and reimbursement for the expenses I incurred while complying with their requests. Despite this, I have received no response, as of 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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Earlier this year, I received a paper mail from Citi informing me that my Citi ThankYou Preferred credit card would be automatically converted to a Citi XXXX XXXX  Card on XX/XX/year>, unless I opted out by calling ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) before XX/XX/year>. I took action by making XXXX callsone on XX/XX/year>, and another on XX/XX/XXXX, XXXX request that my card not be converted. Both agents confirmed that my preference was recorded, and after my XX/XX/XXXX call, I even received an email confirming that an update was made to my account. Despite this, when I logged into my online banking account on XX/XX/year>, I was shocked to find that my Citi ThankYou Preferred card had been replaced by a Citi Double Cash Card without my consent. When I contacted Citi to investigate, the agent claimed the conversion was due to a rebranding effort and assured me that both cards had the same benefits, which is false. The Citi XXXX Preferred card and Citi XXXX XXXX XXXX are completely different products with distinct terms and benefits. I am extremely frustrated because I followed all the instructions provided by Citi to opt out, yet Citi proceeded with the conversion anyway. Furthermore, this unexpected conversion disqualifies me from receiving any welcome bonus for the Citi XXXX XXXX XXXX for the next XXXX  months, per Citis own terms.

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 2025-03-21 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 listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$62000.00} Late/Open Inquiries in Dispute : 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