vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 2025-04-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. the account listed below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. According to XXXX XXXX XXXX SECTION XXXX. states I have the right to privacy XXXX XXXX XXXX Section XXXX. Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXX years. XXXX XXXX XXXX XXXX ( A ) ( XXXX ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The accounts include : XXXX ) Synerprise consulting services {$580.00} please delete from credit file nothing owed. 

XXXX ) XXXXXXXX XXXX XXXXXXXX BALNACE INCORRECT. correct balance is {$3300.00}

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 2025-04-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. the account listed below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. According to XXXX XXXX XXXX SECTION XXXX. states I have the right to privacy XXXX XXXX XXXX Section XXXX. Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXX years. XXXX XXXX XXXX XXXX ( A ) ( XXXX ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The accounts include : XXXX ) Synerprise consulting services {$580.00} please delete from credit file nothing owed. 

XXXX ) XXXXXXXX XXXX XXXXXXXX BALNACE INCORRECT. correct balance is {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
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 2025-04-10 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:
I am writing with the utmost urgency and unwavering resolve regarding the continued negligence and reckless conduct exhibited by the credit reporting agencies TransUnion, Experian, and Equifax as it pertains to the handling of my personal credit file. 

Despite my repeated and lawful efforts to dispute numerous derogatory inaccuracies, these agencies have demonstrated a persistent and disturbing pattern of failure. I have followed the Fair Credit Reporting Act ( FCRA ) protocols, submitting timely, well-documented disputes complete with supporting evidence, yet these derogatory items remain or are inexplicably reinserted without proper notice or justification. 

This is not only unacceptable, it is deplorable. 

The systemic mishandling of my disputes suggests more than mere oversight ; it reflects a complete disregard for due diligence and a willful failure to investigate and correct false information which is a direct violation of my consumer rights. Each inaccurate item impacts my financial livelihood, my access to opportunity, and my dignity. 

These credit reporting agencies are entrusted with information that affects the economic stability of millions of Americans. Yet, in my experience, they have operated without the care, responsibility, or accountability that such a grave responsibility demands. The failure to act accurately and ethically is not just administrative negligence it is harm. 

Experian, Equifax, and TransUnion have long faced scrutiny and lawsuits for their handling of credit data, yet the recklessness continues even in the face of detailed disputes that plainly refute the false data. Each reinsertion of a derogatory item that has already been disproven is not only frustrating, it is an egregious violation of my legal protections.

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 2025-04-10 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 writing with the utmost urgency and unwavering resolve regarding the continued negligence and reckless conduct exhibited by the credit reporting agencies TransUnion, Experian, and Equifax as it pertains to the handling of my personal credit file. 

Despite my repeated and lawful efforts to dispute numerous derogatory inaccuracies, these agencies have demonstrated a persistent and disturbing pattern of failure. I have followed the Fair Credit Reporting Act ( FCRA ) protocols, submitting timely, well-documented disputes complete with supporting evidence, yet these derogatory items remain or are inexplicably reinserted without proper notice or justification. 

This is not only unacceptable, it is deplorable. 

The systemic mishandling of my disputes suggests more than mere oversight ; it reflects a complete disregard for due diligence and a willful failure to investigate and correct false information which is a direct violation of my consumer rights. Each inaccurate item impacts my financial livelihood, my access to opportunity, and my dignity. 

These credit reporting agencies are entrusted with information that affects the economic stability of millions of Americans. Yet, in my experience, they have operated without the care, responsibility, or accountability that such a grave responsibility demands. The failure to act accurately and ethically is not just administrative negligence it is harm. 

Experian, Equifax, and TransUnion have long faced scrutiny and lawsuits for their handling of credit data, yet the recklessness continues even in the face of detailed disputes that plainly refute the false data. Each reinsertion of a derogatory item that has already been disproven is not only frustrating, it is an egregious violation of my legal protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MO

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 non-monetary relief
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
For 2 months in row they was over {$7000.00} deposit into my checking act leaving me with {$57.00} they no way this possible that is {$15000.00} this been happening & something not adding up or right at all

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 2025-04-10 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:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

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 2025-04-10 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: NV

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: Credit Fresh Holdings Inc
State: OK

Complaint narrative:
I opened a line of credit with CreditFresh and received XXXX separate advances : XXXX for {$1500.00} on XX/XX/year>, and another for {$250.00} on XX/XX/year>, for a total of {$1700.00}. Within XXXX week of taking the second advance, my balance had already increased to approximately {$1800.00} despite not borrowing any additional funds. 

I reviewed the agreement and learned that this increase is due to a " Billing Cycle Charge '' that accrues based on the average daily principal balance and is applied daily, not monthly as many consumers might reasonably expect. The charges are so high that the balance increases unless I make large payments likely over {$500.00} per month just to begin reducing the principal. This makes it nearly impossible to pay off the loan with average or even moderate income levels. 

On XX/XX/year>, I made a payment towards the loan and contacted CreditFresh via email the same day to request a hardship plan or payment relief. At the time of this complaint, I have not received a response. 

I believe the billing structure, specifically the frequency and scale of the charges, was not made sufficiently clear during the application process. The way the charges are applied causes the loan to grow even without missed payments or new draws, making it extremely difficult for consumers to repay. 

I am requesting assistance in holding CreditFresh accountable for these lending practices and in negotiating a payment plan that allows me to realistically pay down the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
Received card, document stated, simply pay {$95.00}. processing fee to open your account and access your available credit, after card was declined, I contacted customer service was a payment of the annual fee would be due a month later, So on XX/XX/year>, I canceled the card, requested refund of the {$95.00} processing fee, was 3-7 days, nothing happened, called 4 times, and each time they requested that I call back, each time they told me to call back. 
So today I contacted the back of Missouri customer, I call 3 times, each time I told them what the issue was, they hang up on me, problem unresolved.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Request for Deletion of Charged-Off Credit Card Account Violations of 15 U.S.C. 1635 and 1692g This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding a charged-off credit card account reported by [ Creditor or Furnisher Name ], which currently appears on my credit report with the account number ending in XXXX.

After conducting a full review of my consumer credit report and documentation associated with this account, I am disputing the legitimacy and continued reporting of this charged-off balance for the following reasons : 1. Violation of 15 U.S.C. 1635 Right of Rescission ( Truth in Lending Act ) : Under 15 U.S. Code 1635, in any credit transaction in which a security interest is retained or acquired in a consumers principal dwelling, the consumer has the right to rescind the transaction within three business days, or up to three years in cases where the required disclosures or rescission notice were not properly provided. 
While this credit card account was not secured by real property, the principle of material non-disclosure under TILA still applies to open-end credit when terms are inadequately disclosed, particularly regarding : Variable interest rates Late payment fees and penalty APRs Balance computation methods If the creditor failed to clearly and conspicuously disclose material lending terms under 12 CFR 1026.6 ( Regulation Z ), the underlying agreement may be unenforceable, and therefore any debt derived from that agreement may be invalid or subject to rescission or reformation.

2. Violation of 15 U.S.C. 1692g Failure to Validate Debt ( FDCPA ) : If this charged-off balance has been placed with or sold to a third-party debt collector, I hereby assert that I never received proper debt validation as required under 15 U.S. Code 1692g ( a ).

Upon initial communication from a debt collector, a consumer must be provided with : The amount of the debt The name of the original creditor A statement of the consumers right to dispute the validity of the debt within 30 days A notice that, upon request, the debt will be validated in writing I never received this required notice nor any proof of assignment, itemized account history, or original signed agreement. If the debt was not validated, any collection efforts or reporting to the credit bureaus constitutes continued collection activity in violation of 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 non-monetary relief
Consumer complaint received 2025-04-10 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 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 2025-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Bank made it very difficult for me to close my CD. Although they make it easy to open a CD online, to close one you have to telephone them so that can talk you out of it and make you jump through hoops if you still want to close. The agent I spoke to was rude and her supervisor was too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: AL

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 1099-C 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 explanation