vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts 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 has hurt 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

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 2025-04-09 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: FL

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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I was OVER charged a line of credit from XXXX XXXX XXXX through Sunbit XXXX. I was supposed to be initially charged {$3000.00} per my dental insurance company ( XXXX ). XXXX had me signing off on lines of credit while I was UNDER anesthesia each time, I signed which is against the LAW and they also DOUBLE charged me because they knew I was INCOHERENT. I have reached out to XXXX XXXX several times ( dates XX/XX/XXXX XXXX times ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX times, XX/XX/XXXX, and XX/XX/XXXX pertaining to this situation and I also contacted Sunbit on XX/XX/year>. ( I have recorded calls and documents from my dental insurance company ) Not only did XXXX XXXX over charge my line of credit but, they also billed my insurance company ( XXXX ) on XX/XX/year> for services that were NOT rendered which is insurance FRAUD and the office has altered my statement of services rendered balance due to show {$1800.00} but charged my line of credit with Sunbit {$6900.00} and billed my insurance company ( XXXX ) {$10000.00}. I have reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. I ask that you do not allow Subit to report any late charges or balances to any of the CREDIT AGENCIES. I also ask that you fine each XXXX of these agencies for FRAUDULENT behavior and make them refund my {$3800.00}. See attachments anything highlighted in red is an overcharge. 
Attachments : Statement of Service Rendered Patient Charge Schedule per 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts 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 has hurt 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am filing for the Class Action Lawsuit against Wells Fargo regarding a previous Auto Loan purchased in XXXX. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MD XXXX Vehicle Type XXXX I experienced an auto repossession.

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 2025-04-09 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have noticed incorrect information regarding this account. The repossession details are inaccurate regarding my account. I have tried several times to get this matter resolved and things keep coming back verified and unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX bank -account # XXXX writing off {$950.00} dollars and they say I own {$950.00} still and put it on my credit report.i ask them for a XXXX but did not receive XXXX, I was hung up on. Experian is reporting this wrong information on my report, I would like this deleted off my report asap. Per 15 USC 1681.

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 2025-04-09 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: EdFinancial Services
State: IN

Complaint narrative:
On todays date XXXX, my credit score dropped XXXX points due to XXXX different accounts with XXXX different amounts reporting on the same day. Last reported date XXXX for the amounts of {$5000.00}, {$3100.00}, {$2200.00}, {$2900.00}. These accounts are also reporting 90 days late when my student loan is in deferment due to school closing and/or filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
i sent letters to transunion and experian requesting deletion of inaccurate information that they are reporting inaccurately. family support division # XXXX, they are in violation of 15 usc 1681s-2a ( 1 ) ( 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. this account is paid as agreed in comments but 120 days in payment history. violation of 15 usc 1681e ( b ) Accuracy of report 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. my personal information is inaccurate as well, i would like for my name and address be the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX i am requesting deletion of other information from my personal report. I have attach a copy of my credit reports below

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 2025-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I went into the local branch where I received some information about closing cost assistance. Where i received the contact information for the community lending officer. I set up arrangements to speak with him regarding my options when it comes to FHA and conventional loans. During the conversation the lending officer seemed as if he didnt want to provide a lot of information about the loan process. Instead he asked me a bunch of probing questions. Any questions I asked I didnt get a direct answer. He also gave me some misleading information. It seemed as if he was trying to discourage me from the opportunity. He mention the FHA loan which I applied for. I didnt hear anything back right away. When I called into customer service I couldnt receive any information. I was referred back to him. I emailed his manager he said he would have the man get back to me. A woman contacted me and asked me if I was interested in a home loan. After explaining what I had already experienced she also referred me back to the original lending officer. He contacted me to verify some information and during that second call me also said some misleading things about my credit score. He said it was in the XXXX when I have a FICO score of XXXX. Which let me know he used my vantage score when Bank of America uses the FICO score. He sent me a ridiculous prequalifying amount which wouldnt have gotten me a house at all with a XXXX downpayment assistance. I never even went through a program or requirements to receive the Down payment assistance. With my own research I found out he gave a lot of misinformation along with vague information and he already had a pre assumption about me. I feel I have been discriminated against under the equal credit opportunity act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I am filing a complaint regarding unauthorized hard inquiries that appear on my credit report dated XX/XX/year>, from the following entities : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



I did not provide written authorization, verbal consent, nor did I initiate any credit application, financing agreement, or transaction with these entities or any affiliated dealership. These inquiries were conducted without my knowledge or permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ) ( 2 ), which requires a permissible purpose and consumer authorization prior to the acquisition of a consumer report. 



I have submitted formal disputes with the consumer reporting agencies but am seeking CFPB assistance to ensure these inquiries are thoroughly investigated and permanently removed from my credit file. These unauthorized inquiries are negatively impacting my credit profile and financial standing. 



I respectfully request immediate action to remedy this violation and prevent further unauthorized use of my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I filed a dispute with XXXX XXXX ( XXXX ) on XX/XX/2024 regarding an unauthorized charge on my XXXX gift card. I submitted all required documents the same day, including the signed dispute form. 

XXXX asked for more documents a week later which i submit as well XXXX kept delaying the process with excuses. Instead of resolving the dispute, they closed the case and falsely claimed I asked for it which is a lie. I will attach proof showing I never made that request, along with my signed dispute form on XX/XX/2024. 

Their responses to my XXXX  complaint ( ID : XXXX ) were just copy-pasted from the same generic emails they previously sent me. When I submitted a police report, they first asked for a physical copy. When I asked them to contact the police station to verify, they refused and instead claimed the dispute window had passed. Its clear they were just looking for any excuse not to issue a refund. 

XXXX is playing games to avoid responsibility. I warned them multiple times that I would escalate. If this isnt resolved here, I will continue escalating. Their handling of this case is deceptive, dishonest, and shows no intention of helping the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-04-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/year> I authorized payment to XXXX XXXX through my Capitol one bill pay, The bank sent a payment to XXXX  XXXX XXXX. This is not a bank I have set up in my bill pay account. I talked to several people, received a email my claim was denied. They claimed their service followed directions. I went into bank, spoke with a bank representative they offered another case review. In a week they sent an email saying case was closed. I ensued XXXX dollar late fee from XXXX XXXX. Again I went into bank with copies of cancelled check which was sent another review was opened up another claim and Again this claim was denied. XXXX  XXXX XXXX cashed check and applied funds to my ex husbands acct I do not have XXXX  XXXX XXXX as an option in my bill pay acct nor did I authorize this payment from my bank.

Company response to consumer: Closed with explanation