vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MS

Complaint narrative:
XXXXI'm filing a complaint because these creditors are reporting fraudulent inquiries on my credit profile. This accounts have previously been disputed with the credit bureau and furnisher. My credit file has been impacted by these fraudulent inquiries. The below creditors have no proof that I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. In light of the fact that there is no evidence of my authorization, nor any permissible purpose, I request that these authorized inquiries be removed  from my credit report immediately. Under 15 USC 1681 S 2 A furnishers must report accurate information. Neither have provided information to support the inaccurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I have attempted to apply for a Heloc loan on my home several times. The first time with an error in 2024, it went in as a mortgage. Then I reapplied for a Heloc loan. I was denied with an explanation stating that I had not been a member long enough. Now, I just applied again, and it states my credit is an issue. It was my understanding that Navy Federal Credit Union had no set boundaries for their credit scores and also that they pulled from XXXX. My Credit score is XXXX. See attached information. My home is worth XXXX. The mortgage left due is XXXX. Which makes the estimated equity value at XXXX. I requested XXXX to do an addition which would also increase the value of my home. This company appears to be using the same tactics they are being sued for. 1. An XXXX  application to make credit decisions. 2. Possible discriminatory practices when issuing loans to minorities. They did not give any other assistance, possible other plans, or that their underwriters would look further. Just a denial. I request that this company 's continued denial practices be looked into further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX sent a collection for a MEDICAL Bill which has been PAID in full and should not even be reported as it is a MEDICAL BILL. I have documentation showing receipt of medical bill/Wakefield Associates paid in FULL. {$550.00} paid in full. 
I have sent documentation to TRANSUNION, EQUIFAX refuse to REMOVE the PAID medical bill. I keep getting excuses to resend via U.S. mail the proof of payment which I've done 3 times now with no change to my credot report which has decreased my score from XXXX  down to XXXX! I called BOTH Transunion and Equifax with no resolve several times. I have the receipt and letter from XXXX XXXX PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been sending request and seeking assistance from Equifax and Transunion for months now and they have not conducted any investigations on my behalf. Transunion just answered me and actually followed through dropping 2 erroneous items from my report but Equifax has not sent me anything, they still have wrong info on my report and the other day my credit dropped XXXX points because my credit card balance went down? both of these credit reporting companies have been extremely negligent with my credit and because if the false reporting, I have not been able to purchase my home. I have charge offs that were included in my XXXX in XXXX still on my report, I have sent countless letters telling them and showing them and requesting contracts from the. This company was reporting that a home loan was defaulted on my credit and this was a water system ; the company also reported that I owed them XXXX XXXX dollars and that water filter system was paid of by my XXXX XXXX that was XXXX a long time ago so tay also violated XXXX  statue of limitations for collections. Trans Union, Experian And Equifax have violated my consumer rights for many years now and I truly expect you to do something about it. I am sure that like me, there are thousands more that this is happening to. We come to realize this when we start paying close attention to our credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transform Credit Inc.
State: GA

Complaint narrative:
The company Transform Credit is in violation of fair credit and trade act. 
They have negelected to inform me of accurate information with regards to the loan amount and interest, as well they have mislead and publicly reported inaccurate information about my payments on the loan in both the amounts and frequency. Recently my credit report showed that this account has been closed, now currently it has been reopened with a different amount owed. The amount owed has been fluctuating each time I check my credit report.They are a predatory lender with very confusing correspondence. If you call 3 different representatives of their company you will get 3 different answers to the same questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing this account on the grounds that the debt has not been properly validated by the furnisher XXXX XXXX XXXX ( XXXX  ). The company failed to provide documentation proving I owe this debt, including a signed agreement, full payment history, or legal proof of assignment. I request that this account be deleted as it is unverified and inaccurate under FCRA 611 and 623.

Although MCM provided some documents, they have failed to demonstrate a complete chain of title, full account history, or conclusive documentation establishing this debt as valid and collectible. As such, I dispute the accuracy of this report and request deletion under FCRA 611. XXXX XXXX XXXX failed to directly tie the account with a Bill of Sale or Assignment of Contract that names my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My identity was used to open fraudulent accounts. I checked my credit today, XX/XX/XXXX, and these accounts were listed on my credit report. I have been on Iowa XXXX benefits since XXXX and have resided in XXXX, Iowa and Iowa XXXX, IA. I have not lived outside of Iowa after XXXX. I can not work due to a medical issue ( XXXX XXXX XXXXXXXX ). I did not apply for these accounts. I have had the same email XXXXXXXX XXXX  for 24 years and the same telephone number XXXX for 14 years. Any accounts opened with XXXX XXXX XXXX XXXX XXXX, CA XXXX is fraudulent. I have never lived there. Any phone number associated with these accounts that is NOT XXXX, is fraudulent. I will fight this negative reporting legally by suing the creditors and collection agencies reporting these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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 recently reviewed a copy of my credit report and I had fraudulent accounts on my report. Please remove these accounts from my credit report. They are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
This morning, I discovered some incorrect accounts appearing on my credit report, and I have no explanation for how they got there. I reviewed my report like I normally do, but this time unexpected errors appeared. I even refreshed the page thinking it might be a browser glitch, but the false accounts remained. Due to this issue, Im requesting that the documents I submitted be reviewed carefully so I can stop worrying about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account shows an unresolved balance despite being closed ; alleged repossession needs verification. Re-aging account as if vehicle is still in possession. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Incorrect date of last activity and re-aging. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off listed inaccurately and unresolved. Age of the account is past 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off listed inaccurately and unresolved. Age of the account is past 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : account incorrectly being reported as charge-off with a balance due. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Negative payment status and history listed on this account. Account age is past 7 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Never had a contract with this creditor. The original creditor was XXXX XXXX XXXX. This account is has no legal authority to collect debt.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have paid the entire debt to XXXX and they have sent me the payoff letter which I will upload for proof. This is significantly affecting my credit. I appreciate if this can be resolved/updated correctly to the Experian and XXXX. Who are extremely behind.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Found a fraud dispute back in XXXX. I was underneath the impression that the dispute was investigated and closed, but now 4+ months later which I believe is longer than the law allows to come back and tell me that based on the information available, theres no information to support my claim Other than the fact that I didnt have the credit card in my possession, other than the fact that I was at home when the credit card was used in other places I dont know what other proof you need. I dont understand why its taking you so long to come to this conclusion in your letter is extremely vague typical Bank I dont need you to explain in great detail how you came to this conclusion you said part of it information I provided you but something I provided you that wouldve made you think that I had the card in my possession. I was very clear about that that we didnt have it Thinking a computer mustve looked at this. I need a human being to look at it the supervisor with all due respect somebody with some common sense if we didnt have the card in our poses and then we didnt have any way of using it. How did you come to your

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: OR

Complaint narrative:
XXXX XXXX  collected this debt in XXXX of XXXX a settlement amount was reached and paid for now they stated they never received the amount and they never have tried to collect this debt I have credit reports stating the debt was closed and also many forms of payment processed from XX/XX/XXXX including the list off of my credit from affes. 
I spoke with afes who said they have received a payment on their end and closed the account so even trying to see the debt they say they can't see it as of XX/XX/XXXX they stated it was a settled account I have clearing paperwork that states I owed XXXX on all accounts including da form XXXX XX/XX/XXXX that's states the debts were settled I have now paid afes twice for this and have not received any sort of help from their company or 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 2025-05-06 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: TX

Complaint narrative:
I'm writing to dispute a fraudulent credit inquiry that has been reported under my name and appears on my credit report. This inquiry was the result of unauthorized use of my identity, and I had absolutely no involvement in requesting or authorizing it. Let me be clear : I did not authorize this inquiry, nor did I initiate any application or transaction with this company. This is identity theft, and I refuse to let it impact my credit standing.

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 2025-05-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief