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

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: VA

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. My amount is {$20000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I requested a cardless withdrawal ( {$200.00} ) at the Capital One branch in XXXX Maryland. The ATM machine did not disburse the funds however debited my account for the funds as if it did. The ATM and my Capital one app showed an error message. 

I went into the branch to alert them of what happened and they let me know there was nothing that they can do and I needed to call the XXXX number and report the issue. I called the XXXX number and they said they had to investigate first. I dont understand that as they could have looked at the cameras to see that I clearly did not receive any funds! 
I ended up withdrawing additional funds while inside of the branch which caused a serious delay in my day as I was nearly interrogated for using a Government issued XXXX card as my Id. 

As of XXXX XXXX  on XX/XX/XXXX, I have not received a reversal of the inaccurate debit from my account and have been treated like a liar as if Im trying to steal. 

This error is further solidified by the fact that I was not sent the compulsory XXXX transaction notice which serves as confirmation that the withdrawal was executed successfully. This email is one that I have received with each previous cashless withdrawal transaction.

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: IN

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year>, three unauthorized charges were posted to my checking account totaling {$5800.00} which originated from XXXX around XXXX XXXX. 

Two additional pending charges of {$0.00} each are seen in my savings account, also occurring from XXXX. 

How did people in XXXX access both my checking and savings? Additionally, why was this transaction allowed to go through? Especially given it occurs in a foreign country that I've never been to or even associated with my bank account, one of the transactions being over {$5000.00}, and XXXX alerts/fraud detection asking if I really made the transaction. 

I already submitted a claim/dispute with XXXX but it could take up to 10 business days. The only issue is that income taxes are due in 5 days. Where am I going to get the money to pay my taxes? There needs to be a faster resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information FOURSIGHT CAPITAL LLC Account To Whom It May Concern, I am writing to formally dispute inaccurate and potentially unlawful information listed on my credit report. The account in question is as follows : Creditor Name : FOURSIGHT CAPITAL LLC Account Number : XXXX Date Opened : XX/XX/XXXX Original Loan Balance : {$24000.00} Charge-off Amount : {$22000.00} Reported Past Due ( as of XX/XX/XXXX ) : {$9300.00} Current Balance : {$8000.00} Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX I believe this account is being reported inaccurately and should be reviewed for the following reasons : XXXX. The account was charged off, with {$22000.00} written off by the creditor. Reporting a continued past due amount and current balance is inconsistent with credit reporting standards regarding charged-off debt. 
XXXX. The account status has not been updated since XX/XX/XXXX, yet a new past due amount was reported as of XX/XX/XXXX, which raises questions about the accuracy and timeliness of the information. 
XXXX. Furthermore, the Internal Revenue Service ( IRS ) generally considers canceled or forgiven debtsuch as a charge-offas taxable income to the borrower. If this debt was written off by the creditor and potentially reported to the IRS as canceled, then continuing to report it as a collectible, past-due balance on a consumer credit report may be misleading and in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
I respectfully request that this account be thoroughly investigated. If FOURSIGHT CAPITAL LLC can not verify the accuracy and legality of the information being reported, I request that the account be corrected or removed from my credit report entirely. 
Please complete your investigation within the required 30-day period and provide me with a written response outlining the outcome. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
Dish account closed equip returned in XXXX prepaid box XX/XX/XXXX. Confirmed returned email XX/XX/XXXX. XX/XX/XXXX, collection hit my credit report. No idea who this company is. Radius Global Solutions. They say XXXX sold my account 3 times and they got it and reported to XXXX right away. More aggressive than other companies, per the supervisor. XXXX XXXX only got XXXX of XXXX items from my return. Must have been XXXX separate boxes. No, it was XXXX prepaid box and I photographed each piece as it was packaged and shipped back. I dont know who owns the debt, owes it, bought it or collecting it. How does XXXX piece turn up missing of XXXX in XXXX box? Any no collection, just on my XXXX  a year later? The kicker is, I started a new XXXX account XXXX weeks after closing the old account and still in active in good standing today. Someone needs to check the employees and their books because this being reported on my XXXX  is grossly 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 2025-04-10 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
According to 15 USC 1692 c you have violated my rights by in lawful communications please remove this off my credit report thank you

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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I have spoken with multiple representatives from TRANSWORLD SYSTEMS INC regarding the removal of this debt from collections. This account was never supposed to be sent to collections, as the bill was paid in full once the procedure was completed. 

XXXX XXXX XXXX has attempted to contact TRANSWORLD SYSTEMS INC, as have I, to have this account removed from my credit report, but neither of us has had any success. XXXX XXXX XXXX also provided me with an itemized bill confirming that I owe {$0.00} and that the account was fully paid. The payment was made on XX/XX/2020. 

This collection account is currently being reported to all three credit bureaus, and I need it removed as soon as possible. 

I have been dealing with this issue for several months now, and TRANSWORLD SYSTEMS INC continues to give me the runaround, stating that their back office is handling itbut there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
" midland credit management '' has repeatedly called me without leaving a voicemail and when I call back they just say my first name and refuse to even divulge who the representative 's manager is, the company 's XXXX XXXX number or any information that can be used to verify that they are in fact a legitimate agency. even after Identifying myself by name as the person they are seeking, they will not provide information about the nature of the call without first collecting Personally Identifiable Information about me which I refused to give ( other than my name ) stating that I don't feel comfortable unless they can prove to me they are legitimate which they refused to do. they declined my return calls and also recorded the calls without my consent. 

I spoke with the following individuals in the offshore call center, in the following order : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Only XXXX XXXX named his manager when asked and provided the name " XXXX XXXX ''. when I asked the other XXXX if they knew who that was none of them did and they all gave different stories about why their manager was out of office but said they would find one to transfer me to. 

Finally I spoke with an XXXX named XXXX XXXX who claimed to be in Michigan but would not provide any company details to confirm who he is. he did say he worked " on the collection floor '' as part of the inbound team but would not provide any information about the company even after I gave him the name he was looking for.

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: NC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts appearing on my TransUnion credit report, which have already been removed by Equifax & Experian. I am a verified victim of identity theft due to a data breach, and the accounts were fraudulently opened in my name without my consent.

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: NC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts appearing on my TransUnion credit report, which have already been removed by Equifax & Experian. I am a verified victim of identity theft due to a data breach, and the accounts were fraudulently opened in my name without my 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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This one is similar to the same one that I mean that I placed before this one is also a chase that has profit loss and a write off on it, but it is still maintaining on my credit

Company response to consumer: Closed with explanation