vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have recently received a letter from XXXX XXXX Fraud department stating that my personal information regarding a previous loan was sent to another individual compromising my identity. The letter stated that all previous mortgage information would be removed from my credit reporting as a result. This information was removed from my XXXX  and XXXX report. It has not been removed from my transunion report. I demand that this information be removed from my transunion report due to XXXX 's failure to protect my information. The account in question is XXXX XXXX XXXX XXXX. XXXX XXXX improperly disclosed my personal identifying and mortgage information to an unauthorized third party. This violates the Fair Credit Reporting Act ( FCRA ) under 1681s-2 ( a ) and ( b ) due to failure to report accurate information and failure to correct it after I raised concerns. It also violates the Gramm-Leach-Bliley Act ( GLBA ) for failing to safeguard my personal financial data. I am requesting immediate removal of the Arvest-related information from 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 2025-04-07 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: CA

Complaint narrative:
I have discovered that my identity was used without my permission in a fraudulent manner. This is an unauthorized action, and I am deeply concerned that my personal information has been compromised.

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 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MI

Complaint narrative:
About 8 months ago I started receiving recorded calls from XXXX saying it was an attempt to collect a debt and they were going to turn off my service. I called XXXX billing on multiple occasions to inquire since my payments are automatically deducted monthly from my checking account and I have never had a break in service. I was told by multiple XXXX reps they did not know why I was receiving these calls and my account was in good standing. 

Finally after STILL receiving these calls I asked to talk with someone higher up to help figure this out. After speaking with a supervisor, they finally found some account in their system with my name AND someone elses name attached to it, unfortunately I do not recall the other name but it was someone I had never heard of before. I explained this to the manager and he said he would get this completely taken care of. The auto calls finally stopped so I assumed it was resolved however, I just pulled up my credit report for XXXX and there is a collection on my report that XXXX has illegally put on my credit report for {$210.00}. I did my due diligence on this and XXXX chose to ignore the issue and instead stick a collection on my credit report illegally.

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 2025-04-07 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-07 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 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: OH

Complaint narrative:
Westcreek/ koalafi account number XXXX is reporting charged off and a balance owed of XXXX to XXXX. I have spoke with them multiple regarding this matter and they redirect me to call XXXX. This account was discharged in a XXXX  XXXX filed XX/XX/XXXX discharge XX/XX/XXXX and was simply requesting the account be XXXX out and the remarks be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital is on my credit report negatively in the amount of XXXX. I do not have debt or owe debt to this company. 
Company calls extended family and friends without authorization using illegal tactics. 
Phone calls to me daily ... robocalls, messages, hang ups. 
Do not identify themselves or WHY they are calling. 

Resolution : REMOVAL FROM CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit bureaus ( Experian, TransUnion, Equifax ) 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.

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 2025-04-07 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXXXXXX XXXX XXXX  ] [ XXXX GA XXXX ] [ XXXX [ XXXX ] Date : [ XX/XX/XXXX ] To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Student Loan Information School Closed Dear XXXX  Dispute Department, I am writing to formally dispute two student loan accounts that are inaccurately listed on my XXXX credit report. Both accounts are associated with a school that is now closed, which raises serious concerns about the accuracy and validity of the reported information. Below are the account details and the basis for my dispute : 1. Account Name : [ Name listed on report or Dept of Education/NELN ] Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$3800.00} Original Balance : {$3000.00} Issue : This account reflects a balance that exceeds the original loan amount, and also shows a last payment date and balance update from XX/XX/XXXX, which is inaccurate as the account is currently in deferment with payments not due until XX/XX/XXXX. Furthermore, the school connected to this loan is now permanently closed. This may qualify the loan for discharge and should be investigated for accuracy in reporting. 



2. Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2200.00} Original Balance : {$1700.00} Issue : Similar to the previous account, this loan balance exceeds the original amount and includes recent payment activity reporting that is inconsistent with its deferred status. The institution connected to this loan is closed, which further invalidates the accuracy of this accounts status and should be reviewed under the FCRA and the Department of Educations closed school discharge policy.

As a consumer, I have the right to accurate and verifiable information on my credit report. Given the discrepancies in balance, reporting activity, and the closure of the originating school, I am requesting a full investigation into these accounts. Please correct or remove any unverifiable or inaccurate information. 

Attached is a copy of my credit report highlighting the disputed items, and documentation showing that the school is closed. Please complete your investigation and notify me of the results in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MI

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had dental work done in XXXX of 2024. I wasn't able to pay the amount out of pocket, but really had no option as it was a root canal and a crown. The dental office offered me a credit application for Synchrony Bank that offered 12 months for XXXX interest. So I applied and was accepted. 

The bill from the dentist was a little over {$3400.00}, which I have been making payments on every month. I paid down roughly {$2000.00} of the original bill. 

But it turns out Synchrony has been saving up all that interest, and once the introductory rate is over, they bill you the full amount at 33 % interest. So I just got hit with an interest charge of {$1500.00} in a single month. 

This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be 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 2025-04-07 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
On or around XX/XX/XXXX, a hard inquiry from XactusXXXX appeared on my credit report without my full knowledge or explicit authorization. I was assured during the application process that no hard inquiry would be conductedonly a soft pull for pre-qualification purposes. Despite this assurance, a hard inquiry was placed, which has negatively impacted my credit score. 

I did not provide written authorization or consent for a hard credit pull, which is required under the Fair Credit Reporting Act ( FCRA ). This inquiry was misleading and unauthorized, and I believe it was conducted under false pretenses. I have attempted to resolve the matter directly but have received no satisfactory resolution. 

This inquiry is currently scheduled to remain on my credit report until XX/XX/XXXX, which is unjust and harmful to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have not done or had any business dealings with National Credit Systems. They are a debt collector of which per the NMLS is not licensed in the state of Florida. They have negatively reported a derogatory/collection on all 3 of my credit bureau 's which have impacted my ability to get the best credit numbers and outright been denied credit because of this blemish on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-07 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 extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have tried many time to dispute with Experian and everytime I sent in a letter to them I get an email from them saying they are not going to dispute.

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 2025-04-07 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: GA

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my 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 explanation
Consumer complaint received 2025-04-07 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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