vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion CFPB Complaint ID # XXXX Per the Fair Credit Reporting and Billing Act, Please present your method of verification. There has been several instances I've been victimized by way of several data breaches ; illustrated by the following engagement numbers and dates of data breach notifications ( XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX  Georgia, XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX and last but not least in severity of derogatory financial damages XX/XX/XXXX - XXXX XXXX XXXX ). There is an active, initial identity fraud alert place on my file for which you have deleted ( XXXX ) of the accounts involved. These accounts are at best unauthorized transactions subsequently fraudulent accounts. I am requesting that you ( XXXX ) validate your method of verification with pertinent file disclosures and ( XXXX ) remove and or satisfactorily update all negative, derogatory financial damages as it pertains to the following : my personal/legal information, all the inaccuracies and or errors of account ( XXXX ), all the status ' of the account ( XXXX ), all duplicate account entries, all outdated information as it pertains to said accounts, verify the validity of the payment history ( correct account numbers, creditors, balance, etc. ) of said verified accounts, unauthorized soft and hard inquiries, account related errors, fraudulent accounts, fraudulent transactions, The inaccurate, illegal mixture of clerical, fraudulent files being reported are at best directly related the current credit ratings. The unfair reporting thus the misrepresentation of my overall financial health as it pertains to my financial character ( i.e., credit worthiness, stability, overstating of credit utilization and inflation of debt level ) are byproducts of your illegal reporting. Financial health is instrumental in personal and professional advancement for which you are the culprit for financially thwarting. 

Looking forward to your prompt attention, reply and reprimands per this matter as the impromptu ineffectiveness to remedy previously petitioned complaints have presented yet another complaint that humbly requests relief per Federal consumer rights.

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 2025-04-21 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: NY

Complaint narrative:
I am formally disputing the following negative items on my credit report.

Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: OK

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  wrongfully reported a debt in my name to the credit reporting agencies. 
I was not financially responsible for the debt, which is confirmed by a signed settlement agreement dated XX/XX/XXXX, that explicitly releases me from any financial obligation. 

Despite this, the false debt remained on my credit report for over XXXX years, causing repeated credit denials, financial hardship, emotional distress, and damage to my ability to obtain housing and credit. 

After I discovered the reporting error, I contacted the property management company. They acknowledged the mistake and submitted a request to have the information removed. However, the harm had already been done, and the false reporting remained for an extended period. 

I submitted a formal settlement demand on XX/XX/XXXX, requesting compensation for the financial and emotional damages caused. I followed up again on XX/XX/XXXX. 
As of today, XX/XX/XXXX, they have failed to provide any formal response or settlement offer and the false debt remains on my credit report. 

Given their acknowledgement of error, the ongoing harm caused, and their lack of good faith in addressing my settlement demand, I am requesting the CFPBs assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I received a letter from my bank ( capital one ) saying that they receive a document from XXXX XXXX XXXX. When I called XXXX that XXXX asked him if they had a court order to love you my bank account they responded saying no we do not need one. 

I asked if I can set up a payment plan because I was never notified about these charges. XXXX XXXX XXXXXXXX said no I can not set up a payment plan. 

I havent received any letters from them or from any court, saying that I owe any money to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX XXXX  XXXX Account number : XXXX Equifax : XXXX XXXX  XXXX Account number : XXXX Transunion : XXXX XXXX  XXXX Account number:XXXX Your company are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

You and your inaccurate have damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility. 

Prohibition : a law or regulation forbidding something. 

Delete these late payments from consumer report. This has damaged my mode of living, my character and it has hindered my ability to obtain credit. 

I am giving your company 15 days to delete these negative items from my credit profile. 

Best Regards, 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 2025-04-21 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: NY

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX XXXX  XXXX Account number : XXXX Equifax : XXXX XXXX  XXXX Account number : XXXX Transunion : XXXX XXXX  XXXX Account number:XXXX Your company are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

You and your inaccurate have damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility. 

Prohibition : a law or regulation forbidding something. 

Delete these late payments from consumer report. This has damaged my mode of living, my character and it has hindered my ability to obtain credit. 

I am giving your company 15 days to delete these negative items from my credit profile. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Bankruptcy Account Number : XXXX Inquiry 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 2025-04-21 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: DC

Complaint narrative:
In XX/XX/XXXX, I paid several months of my loan in advance and was in what is called a paid ahead status. The system still wanted to charge me monthly. I called in XXXX and was told that they had it under control and would not charge me despite the system wanting to charge me. Spoiler alert, they charged me. I then removed my debit card information from the system. And they even said I was delinquent for a few months because they had not updated their records. I submitted a request for a refund in XX/XX/XXXX and was told to call back in XXXX business days. I called to check in in XX/XX/XXXX and was told no one processed a refund in XXXX and was then told to call back in XXXX business days. I have been calling back every few months since XXXX with no movement on the account. There are never solid reasons for why action wasnt taken. Evidently in XXXX, they changed financial systems. So now the reason they give is that there is a need to manually process the payment because it is between XXXX systems. No one has done this. When I called again in XX/XX/XXXX, they said they had nothing active in the system. They processed the request for a refund again and told me to call back in XXXX business days ( again ). Spoiler alert - nothing happened. When I called in XX/XX/XXXX, I was told that nothing had been processed. Since then, I have called back every XXXX weeks and still nothing is happening. People are friendly and they say they will help. But nothing happened. The wait times are also inhumane. I waited on hold for XXXX XXXX  and the call was disconnnected with no call back. I requested call backs and received them, but it took XXXXXXXX XXXX And today when I called, there was no call back option. I was on hold for XXXX XXXX. I spoke to XXXX people. And ultimately none of them can do anything other than send an email with a request. They say it is escalated, it is assigned, but when I call to check in, they admit that absolutely no action has been taken to resolve the issue. Someone needs to hold MOHELA accountable to process this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 2025-04-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : XXXX. I dispute the entire amount of the alleged debt. 
XXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
XXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
XXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within XXXX days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of a bankruptcy across XXXX credit bureaus. I am requesting that the inaccurate information be removed from my credit reports, as required under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I received a letter from the XXXX XXXX confirming that they did not report the bankruptcy to any credit bureaus. The letter explicitly stated : " The XXXX XXXXXXXX does not provide any information to the Credit Bureaus. '' On XX/XX/year>, I filed disputes with each of the XXXX major credit bureaus : XXXX Experian, and TransUnion, regarding the inaccurate bankruptcy information being reported. On XX/XX/year>, TransUnion also responded, confirming that the bankruptcy was verified as accurate. On XX/XX/year>, Equifax responded, confirming that the bankruptcy was removed from my report.On XX/XX/year>, Experian responded, stating that the bankruptcy was verified as accurate. Despite the confirmation from the XXXX XXXX that they did not provide any bankruptcy data to the credit bureaus, XXXX of the XXXX credit bureaus ( Experian and TransUnion ) reported that the bankruptcy was verified as accurate. This situation is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must report accurate and verifiable information. Specifically : Section XXXX ( b ) of the FCRA requires that " 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. '' Since XXXX suppressed my entire credit report, the bureaus were not in a position to verify the accuracy of the bankruptcy information, thus violating the FCRAs accuracy requirement. 

Section XXXXi of the FCRA mandates that when a consumer disputes information, the credit reporting agency must conduct a reasonable investigation to determine whether the information is accurate. If the information can not be verified, it must be removed. Given that the bankruptcy information could not be verified, it should have been removed from my credit report by Experian and TransUnion.

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