vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: MA

Complaint narrative:
unlawfully reported inquiries stemming from identity theft on my consumer report without verifying them, as required by 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 non-monetary relief
Consumer complaint received 2025-03-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NJ

Complaint narrative:
I'm writing because I'm incredibly frustrated with an issue I've tried to resolve multiple times and I need help. There's a XXXX XXXX XXXXXXXX partial account # XXXX  showing up on my Experian credit report that I did not authorize, or consent to in any way. Ive already disputed this account several times with Experian, but they continue to report it. What makes this even more confusing is that XXXX and XXXX have already removed this exact same account from my credit file so why is Experian still keeping it there? This ongoing issue is hurting my credit score and causing me stress I shouldnt have to deal with. Ive never gave permission for it to be reported, and no one has shown me any proof that I did. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like Experian are supposed to make sure the information they report is accurate and up to date to the maximum extent possible ( 15 U.S.C. 1681e ( b ) ). Theyre also not allowed to include anything in a report unless theres a permissible purpose for it ( 15 U.S.C . 1681b ). In this case, theres neither. Experian has not shown any proof of ownership, consent, or authorization for this account. All Im asking is that this account be permanently removed from my Experian report the same way it already was from XXXX and XXXX. XXXX asking the CFPB to look into this, because it feels like my rights under the FCRA are being ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 2025-03-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This letter serves as a formal demand for the removal or correction of late payment notations inaccurately reported on my credit file. After a comprehensive review of my credit report, I identified late payment entries that I believe are inaccurate and improperly reported. These entries, associated with [ Creditor Name, Account Number ], are in direct violation of 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which require credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting.

1. Reinvestigation of Late Payments : Conduct a thorough reinvestigation of the late payment notations associated with XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: NJ

Complaint narrative:
Dear XXXX  XXXX XXXX Team, I am writing to formally submit my Borrower Defense to Repayment claim and request the immediate discharge of my student loans due to misrepresentation by XXXX XXXX. I have also attached proof of my repeated attempts to contact the schools job placement director since 2023, with no response. 



Before enrolling, I was explicitly promised lifetime job placement assistance as a key benefit of attending XXXX XXXX IN XXXX NJ. I was assured that recruiters would reach out to me and that the school would actively assist in securing a job in my field of study. However, despite my repeated efforts, no one has responded to my requests, provided any support, or honored this commitment. This is extremely misleading, and I should not have to bear the financial burden of student loans for a service that was never provided. 



Since graduating, I have struggled to find employment in my field, and the jobs I have been working at do not align with my degrees pay grade. The lack of response from my schools job placement team and recruiters they claimed would contact me has made it incredibly difficult to secure a career that matches my education. This has caused me significant hardship, and I feel deeply misled by the false promises made to me when I enrolled. 



This situation is unacceptable, and I am formally requesting that my student loans be discharged immediately due to the schools failure to uphold their obligations. I urge you to process my claim as soon as possible, as this has had a severe financial and emotional impact on me. 



Please confirm the next steps in my claim process. If necessary, I am prepared to escalate this matter with the XXXX Department of Education and other consumer protection agencies. I appreciate your prompt attention to this matter. 



Attachments : Emails showing my attempts to contact XXXX XXXX for job placement assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This account was open by mother I was trying to get under her account when I was XXXX XXXX I was denied now its in my credit I never had a Bank of America account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Chime Financial Inc
State: FL

Complaint narrative:
This account was open by mother I was trying to get under her account when I was XXXX XXXX I was denied now its in my credit I never had a XXXX XXXX XXXXXXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
This is a continuation of complaint # XXXX. 

National Debt Relief issued a partial refund of {$2300.00} after missing their promised deadline to respond by XX/XX/year>2025. While I acknowledged the refund, I made it clear in writing that I do not consider this resolution complete or acceptable. 

NDR continues to avoid addressing the central issue : that I was pressured into a {$26000.00} loan with nearly 40 % interest under emotional and financial distress. I was told this was my only option to avoid being dropped from the program during a legal action. I was not offered time to seek legal advice or alternative solutions. This was not a voluntary financial decisionit was made under duress.

They also continue to reference recorded calls in their responses but have refused to provide me access to those calls. If those calls are central to their defense, withholding them prevents me from verifying or disputing their claims and shows a lack of transparency.

After paying over {$16000.00} into the program and being pushed into a {$26000.00} loan, I am effectively back to the amount of debt I started withonly now with crippling interest and emotional fallout. I am now working with legal aid to pursue this further.

This companys behavior is misleading, coercive, and deeply harmful to vulnerable consumers. I am asking the CFPB to reopen this issue and investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against ED FinancialXXXX regarding two loan amounts of {$2300.00} and {$1300.00}. These amounts are incorrect, and I do not owe them, nor have I ever done business with this lender. My previous loan with a different entity was cleared. Additionally, the school associated with the loan was closed down before we could finish the program. 

It appears that a third party may have purchased old debt, and they are threatening to report it to my credit and therathing a late payment. 

I have already notified the company of the inaccuracy, requested a Verification of Debt ( VOD ), and provided evidence to support my claim. Despite these efforts, the issue remains unresolved. I believe this is a violation of my rights, especially considering the debt dates back to XXXX, well beyond the statute of limitations. 

I am requesting that these erroneous amounts be removed from all three credit bureaus within 30 days. This situation is causing unnecessary distress and harm to my credit, and I respectfully urge that it be addressed promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 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 2025-03-27 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: RI

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX, INQUIRIES XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am writing to formally demand that you cease and desist from reporting any inaccurate, misleading, or unauthorized derogatory marks and collections on my credit report. Upon reviewing my credit file, I discovered that your company has reported negative information that I believe to be inaccurate, unverifiable, or improperly placed in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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, XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB Team, I XXXX XXXX am writing to request your assistance with an urgent issue involving Truist Bank, which is withholding funds from a wire transfer and causing me significant financial hardship. Below are the details of my situation : XXXX. On [ XX/XX/year> ], I deposited a check for approximately {$96000.00} from my business partner as part of disbursing funds from a business closing. Unbeknownst to me, the check was accidentally drawn from an old, closed account due to an error in selecting the wrong account file. 
XXXX. As soon as we realized the check was invalid, my business partner sent a wire transfer to Truist Bank for {$81000.00} on [ XX/XX/year> ]. This amount was {$15000.00} less than the original check because that {$15000.00} was now due on another deposit, as clearly explained in the wire transfer wire notes. ( I attached the wire ) XXXX. Despite receiving the wire transfer, Truist Bank has not released these funds to my account. This delay has caused other checks I wrote to bounce, leaving me unable to buy food, pay bills, or meet basic living expenses.

I have contacted Truist Bank various times over the last week to request the release of the {$81000.00}, but I have not received a clear explanation or resolution. Their failure to disburse these funds, which were sent to correct an honest mistake, appears unjustified and is severely impacting my financial stability.

I believe TRuist Bank actions may violate consumer protection laws, including those related to the timely availability of funds under federal regulations. I am asking for your help to : - Release my {$81000.00} wire, - Ensure the immediate release of these funds to my account. 
please help

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