vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sunset Management, Inc
State: GA

Complaint narrative:
This company Sunset Finance keeps harassing me. They are calling my family even my job. I have told them I am working with a debt relief program and they still call. I have notified the debt relief program and they said they sent out a letter letting them know Im working with them. Sunset keeps calling me and threatening to garnish my check I even gave them the number to the debt relief program and they ignored me. I just want them to stop calling my job and family members. And the threats period.

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 2025-02-18 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: NV

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 non-monetary relief
Consumer complaint received 2025-02-18 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: IN

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 2025-02-18 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.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion 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 Transunion, alleging systematic 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 Transunion 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 Transunion 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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX start has not been able to provide a contract or purchase agreement and continued to report on my credit report since XXXX. It was illegally sold without my permission to another collection agency which has been deleted due to inaccuracies and for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX , XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX , XXXX XXXX XXXX acct # XXXX , XXXX XXXX XXXX acct # 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 2025-02-18 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX , XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX , XXXX XXXX XXXX acct # XXXX , XXXX XXXX XXXX acct # XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Cheksystems and ally bank keeps during the wrong report on my name and 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 2025-02-18 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: TX

Complaint narrative:
Subject : URGENT CFPB COMPLAINT TransUnion Reporting Fraudulent Account Information in Violation of FCRA To Whom It May Concern, I am filing a formal complaint against TransUnion for its deliberate and reckless violation of the Fair Credit Reporting Act ( FCRA ) by reporting wildly inaccurate account information that is causing undue harm to my credit profile. 
False Reporting & FCRA Violations TransUnion is knowingly misreporting an account from XXXX XXXX, falsely marking it as closed as of XX/XX/XXXX, when in reality, this account was closed in XXXX. This is a blatant attempt to re-age the account and extend its negative impact on my credit file, which is illegal under the FCRA. 

====This constitutes multiple violations of federal law, including but not limited to : ==== ****Failure to Report Accurate Information ( 1681e ( b ) ) TransUnion is legally obligated to ensure the maximum possible accuracy of consumer credit reports. Reporting a completely false closed date is a direct violation. **** ****Illegal Re-Aging of a Debt ( 1681c ) Extending the accounts closure date from XXXX to XXXX fraudulently prolongs its negative effect, which is strictly prohibited. **** ****Failure to Properly Investigate Disputes ( 1681i ( a ) ) I have disputed this inaccurate and misleading information, yet TransUnion has failed to correct or remove it, further violating consumer rights. **** ====Ongoing Harm & Demand for Immediate Deletion==== **This continuous and intentional false reporting is severely damaging my credit profile, misrepresenting my creditworthiness, and violating my rights under federal law.

**I demand the immediate deletion of this fraudulent account from my credit report due to continuous FCRA noncompliance.

**Additionally, I request : A full investigation into TransUnions failure to correct this blatant inaccuracy. Written confirmation that the account has been permanently removed from my credit file.

**Compensation for any harm caused by this reckless reporting if the issue is not promptly resolved.

**I expect a prompt resolution to this matter and a written response detailing the corrective actions taken.

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 2025-02-18 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: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
On XX/XX/year> I recieved a text message at XXXX from sofi letting me know there was an unusual charge on my account for {$4500.00} dollars and to reply within XXXX hour to let them know if it were me. I was asleep as it was XXXX, they should have called me or simply not let the transaction go through as it was in a different state on XXXX. I called at XXXX to let them know there had been a transaction made and I needed to dispute it. They told me to call back if the transaction posted ( it was pending at this time ). Three days later when the transaction posted I called and a dispute was started. Since that time I had been called 3 different times by 3 different employees who asked me several different questions for investigating purposes. The very last person I spoke to - " XXXX '' told me once the investigation was complete I would be communicated with to find out what the final decision was on the dispute. 7 days past, I hadn't heard anything so I called and was told that the dispute was denied and that I should have received an email. I had not received an email. So I called back and asked for the email to be resent to me on XX/XX/year>, the customer service person told me they were sending a message to XXXX to send me the information. Today is XX/XX/year> - I still have no email so I called again, they again told me they would be asking XXXX to send me the information. I am unable to appeal my dispute or do anything until this is sent to me. I have a right to know why my dispute was denied, it was a lot of money and I would like it back. I feel their security is poor. Other banks would call or not let the obviously fraudulent transaction go through. The customer service for Sofi has been lacking, everyone is nice but no one seems to be able to get anything done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that debt collectors must stop contacting a consumer if the consumer requests it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally disputing the following inaccurate and unverified accounts that have been reported across TransUnion, Experian, and Equifax. These accounts are erroneous, falsely reported, and have not been properly validated per the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have identified discrepancies and accounts that I never authorized or agreed to, particularly those from collection agencies that have failed to provide proper validation for the alleged debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing the following inaccurate and unverified accounts that have been reported across TransUnion, Experian, and Equifax. These accounts are erroneous, falsely reported, and have not been properly validated per the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have identified discrepancies and accounts that I never authorized or agreed to, particularly those from collection agencies that have failed to provide proper validation for the alleged debts.

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 2025-02-18 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

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

Company 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 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: WA

Complaint narrative:
Tried to pay my student loan after they stopped the grace period could not get on the website tried and tried then I got from I believe a phone number that I didnt owe anything then I tried to call XXXX hrs XXXX hours on hold. My phone service is terrible where I live. I tried to ask mohela to please send a bill in the mail due to talk of fraud. 
Took me 40 years to get my credit Score good then wham XXXX points subtracted. I dont think its fair Ive never had so much trouble paying a bill. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
12 u.s.c. 95a ( Emergency Banking ) Relief ACT 1933- Acknowledging all transactions as obligations of the United States Public law 73-10 ( XX/XX/XXXX ) requiring all obligations to be discharged and legal tender.

Federal Reserve operating circular 10-governing the processing of promissory notes as collateral for issuance of credit. 
Securitization : convert the instrument into a bank asset backed security ( XXXX  and record it in the appropriate eternal ledgers under the bank 's asset accounts. 

I have sent the payment twice certified mail return receipt the first date that I sent it certified was XX/XX/XXXX the second time was XX/XX/XXXX and I have got the return receipt where they the agent signed for it and they are saying that they've never received it and they keep sending me a bill and threatening me that if I don't get if they don't get their payment in time that my credit report will show a negative rating and a negative rate can potentially have bad in bad consequences including liability to get a car loan a home loan refusal of job and to rent a house so they're also threatening me. I have the proof that it has been sent certified mail return receipt twice and they just keep harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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 greatly affected by Covid. I lost my job, and shortly after lost everything else.

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 2025-02-18 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: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-18 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:
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