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: VA

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
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 an account without my written instructions.

15 u.s.c 1681i ( 5 ) -removal of inaccurate/invalidated. Credit information 15 usc 1681e ( b ) ( b ) -accuracy of report 15 usc 1692a- abusive practices 15 usc 1681b- permissible purposes of consumerreports.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
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 an account without my written instructions.

15 u.s.c 1681i ( 5 ) -removal of inaccurate/invalidated. Credit information 15 usc 1681e ( b ) ( b ) -accuracy of report 15 usc 1692a- abusive practices 15 usc 1681b- permissible purposes of consumerreports.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing you to dispute the status of this inaccurate account reporting on my consumer report. In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ), you are reporting incomplete, inaccurate and incorrect information on my consumer report. 
The account listed has different open dates, dates of last activity & have inaccuracies in the payment history between XXXX, Transunion XXXX XXXX. ( How can these accounts have different information from the same creditor? )

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing you to dispute the status of this inaccurate account reporting on my consumer report. In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ), you are reporting incomplete, inaccurate and incorrect information on my consumer report. 
The account listed has different open dates, dates of last activity & have inaccuracies in the payment history between XXXX, Transunion XXXX XXXX. ( How can these accounts have different information from the same creditor? )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I utilized HSA Bank 's online bill pay service to pay medical providers and in two cases the bills were never paid. HSA Bank was able to verify that the checks were not cashed and on three different occasions I was told the checks would be cancelled and funds redeposited into my account. It has been four months since my first communication with HSA Bank and no funds have been redeposited.

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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lyons, Doughty & Veldhuis, PC
State: OH

Complaint narrative:
original company is XXXX XXXX who charged off the account and sold to Lyons , Daughty & Veldhuis, P.C. which is a debt collectors which the account was opened on XX/XX/XXXX and closed on XX/XX/XXXX, account amount was XXXX.I recieve phone calls, letters in the mail, now getting ready to write a letter of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC
State: VA

Complaint narrative:
1st I live in Virginia this debt was created in XXXX XXXX Louisiana 2nd I have never had XXXX XXXX as a service provider in for any thing home or business. 

3rd I have used XXXX XXXX XXXX for over 10 years prior to that it was XXXX XXXX XXXX  4th I was a victim of identity fraud in 2021 5th This debt is not mine it is fraudulent and I want it removed from my credit report and the attempts to collect this debt to cease immediately

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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I have 24 XXXX XXXX  that have been in forbearance since XX/XX/XXXX. No interest has been accruing. As of date, all XXXX loans are still in forbearance with XXXX XXXX interest. However, between XX/XX/XXXX and XX/XX/XXXX all XXXX loans increased on my credit report - some by hundreds of dollars. Aidvantage does not provide itemized monthly statements for each loan - I can only see what it is reporting as currently on their website. I have requested twice itemized statements to determine whether interest was improperly added during the forbearance. There is no reason for the loans to be increasing between XX/XX/XXXX and XX/XX/XXXX. Aidvantage has failed to provide any explanation, nor have they notified me of any balance increases. I only became aware of this issue because I received a notification from the CRAs that some of my loans have significantly increased in XX/XX/XXXX. Upon review, all XXXX XXXX XXXX  being reported by Aidvantage significantly increased - no other loans or credit accounts increased. These loans were reporting as increased with XXXX, XXXX and XXXX Some of the student loans even updated to reported as XXXX XXXX of the balance usage. This is SIGNIFICANTLY affecting my credit ( as there are XXXX  loans ). I made XXXX direct disputes with the CRAs and multiple disputes with Aidvantage. The issue remains ongoing. Either the loans were improperly reported by Aidvantage to the CRAs as increasing, or Aidvantage has been deceptively adding interest to my account during forbearance. Either way, this needs to be corrected immediately. This is my final dispute before I purse legal action. Attached are screenshots of my credit report from XX/XX/XXXX and XX/XX/XXXX showing the increase for each loan.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX  - XXXX - XX/XX/XXXX - {$2400.00} XXXX  - XXXX - XX/XX/XXXX - {$2400.00} XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$4900.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$5700.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
My ID and bank card information were stolen, and someone used them to illegally rent an apartment in my name. I reported the issue to the manager, but they did nothing to help resolve the situation. The account has already been removed from my credit file but the reporting agency added it back on. I have since filed a grad dispute with my bank and it was shown to be in my favor.

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: EQUIFAX, INC.
State: NM

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have a PayPal account that i have used for many years for online transaction which has been trouble free I had a inward remittance from other paid into my PayPal account which i have tried on endless occassions to transfer these funds to my linked credit card but unfortunatly the transfer is continually denied i have contacted Paypal via there online portal and tried to resolve but keep getting misleading and inaccurate replies to resolve the transfer no advice from PayPal has had any effect on transfering my funds Finally tonight after numerous message exchanges i was asked to provide sensitive personal information to identify myself by means of photo copy of my identity card and other personal information i informed them that my identity is authenticated each time i log in and that the information they are requesting from me is sensitive and they really have no right to ask me for this except to delay the fund exchange process to the fund transfer to my account linked credit card i also believe this request for information to be against XXXX XXXX regulations i find the whole proceeding to be a means of simply with holding my funds for interest profit and not allow me to transfer into my linked credit card as i should be able to

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OH

Complaint narrative:
my card would over draft and i wouldnt get notified that it over drafted, so then fees would come and i didnt know about them because i didnt get notified so it would be charged for a couple days.

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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I'm writing to express the injustice regarding my Citibank credit card dispute. It was with XXXX for a case where I booked a hotel room in XXXX, XXXX and flights for my family of XXXX. The room was clearly advertised as accommodating of XXXX people but as I browsed the web site of the hotel 3 days before the trip to explore amenities, I noticed that room only accommodates XXXX people. I immediately called the hotel and they verified on no uncertain terms that they would not accommodate XXXX people and were unable to help me due to it being booked through a third party. I called XXXX that same day and they put me on hold but claimed they were unable to reach anyone at the hotel in the middle of the day on a weekday, Friday, XX/XX/XXXX. They said not to worry as they would contact me within 72 hours and that was the best they could do despite the fact that my flight was in72 hours. I then started the dispute with Citi as I had no choice but to cancel. The rep at Citi told me there was no need to cancel the trip with XXXX, the dispute should cover everything. However, in an effort to be fair to everyone, I canceled it anyway giving them 72 hours to rebook the room and flights. I also contacted XXXX XXXX  who has a 24 hour cancellation policy for any flight with an available credit toward another flight but in this case I was told this was a special flight and was not refundable in any way. The representative at Citi informed me that I would be contacted by an investigator to go over the facts of the case. After not hearing from anyone after a few weeks, I called Citi, asking to speak to an investigator several times to no avail. On Tuesday XX/XX/XXXX, I was notified by Citi that the case was closed and I was responsible for the charges except for the {$400.00} refund that XXXX offered which is less than 10 % of the total price of the trip. I feel that Citi never litigated the case on my behalf and accepted a ridiculous offer for which I should not be responsible. I would like to be contacted and have the case reconsidered after discussing the details. I refuse to accept a {$5000.00} charge for which I had no choice but to cancel because XXXX advertised the room inaccurately. I would have very likely ended up in XXXX with no place to stay had I not found the mistake and canceled. 
Sincerely, XXXX XXXX Phone XXXX XXXX Email XXXX Dispute # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
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