vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
I recently sent a dispute to check if the account on my credit report is correct and complete. They didnt do a proper review. I believe the information is still wrong and incomplete. This is causing me a lot of stress, and Im feeling really overwhelmed. Please help meI dont know what to do.

Just to be clear, I am the one submitting this dispute, not someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 recently sent a dispute to check if the account on my credit report is correct and complete. They didnt do a proper review. I believe the information is still wrong and incomplete. This is causing me a lot of stress, and Im feeling really overwhelmed. Please help meI dont know what to do.

Just to be clear, I am the one submitting this dispute, not someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NV

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
Transunion is showing I am 30 days late on a XXXX XXXX XXXX XXXX credit card account which isnt accurate. I have requested this to be corrected and they havent responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions.

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: GA

Complaint narrative:
I am filing a formal complaint regarding my student loans managed by U.S. Department of Education 's Federal Student Aid ( ED ) system. I am currently experiencing financial hardship and have been unable to access critical income-driven repayment ( IDR ) options to manage my student loan payments. The website ( studentaid.gov ) indicates that applications for IDR and consolidation plans are unavailable due to a federal court injunction preventing the U.S. Department of Education from processing these requests. This is hindering my ability to meet my financial obligations in a reasonable manner.

Key Issues : Inability to Access IDR Options : The Federal Student Aid website ( studentaid.gov ) clearly states that due to a federal court injunction, IDR and consolidation applications are temporarily unavailable. This directly impacts my ability to apply for income-driven repayment plans, which I am eligible for due to my financial hardship. 
The inability to access these payment options violates my right to affordable repayment plans as per the XXXX XXXX XXXX ( XXXX ), which ensures federal student loan borrowers have access to programs based on their income. 
Failure to Process Applications for Relief : I have attempted multiple times to apply for a forbearance or an IDR plan, but the system has prevented me from doing so. As a result, my loans are being reported as late, despite my efforts to work within the system and pay what I can afford. 
Damage to Credit : Due to the failure to apply for a valid repayment option, late payments are being reported on my credit. This negatively affects my credit score and is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting of payment statuses.

Government Policy Obstruction : The current situation stems from actions by the U.S. government, specifically regarding the court injunction. As a result, I am unable to access critical relief options
through the Federal Student Aid system, leaving me in a financial bind and unable to pay my loans at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
Transunion continue to refuse to remove these XXXX fraudulent addresses from my Transunion credit report after recent numerous disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never lived at these addresses. 

These addresses are currently on my Transunion credit report as of XX/XX/year>. Transunion is allowing these XXXX fraudulent addresses to continue to remain on my Transunion 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 explanation
Consumer complaint received 2025-03-10 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: CA

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

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MI

Complaint narrative:
Data Breach, reported from all credit bureau agencies in the past 89 months from Transunion equifax and experian and any other subsidiary agencies that provide information to about My personal information has been bought and sold and found on XXXX XXXX  along with information placed on my consumer report without my authorization or acknowledgment and it breaks my constitutional law and furthermore information of my personal life history put me and my family in danger and at risk. I need all negative information including inquiries late payments and or charged off accounts including any bankruptcies removed from all or any consumer report bearing my name address and identity immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I obtained a Citi Diamond Preferred credit card and requested a balance transfer to XXXX XXXX XXXX company to pay off a loan. On XX/XX/year> I reviewed my Citi Card statement and noticed that the money was incorrectly sent to XXXX XXXX XXXX XXXX. Also on XX/XX/year> I called Citi Diamond Preferred credit card and spoke to XXXX and XXXX XXXX and explained to them that the money was dispersed to the wrong company. XXXX stated that the transaction was already complete and they could not do anything about getting the money back and sent to the correct company. XXXX stated that she could start an investigation regarding this issue, which was started that day. I asked for the specific information of XXXX XXXX XXXX XXXX including the phone number and the address. Citi would not give me a transaction number or any other information. This is a serious mistake and there needs to be something done immediately. Now my Citi credit card has that balance transfer amount on my statement and XXXX XXXX XXXX did not receive the money which was meant to be paid off. I need a transaction number of my balance transfer. Citi card should be able to contact XXXX XXXX XXXX XXXX to get the money refunded since it was not authorized. Please help with this situation. Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
The credit bureau continues to report negative and inaccurate information that includes but not limited to balance, open and close date and payment history.They have refused to provide information that supports what reflects 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 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.

Complaint narrative:
In XX/XX/XXXX, I opened a checking account with Citibank. In XX/XX/XXXX, the bank unilaterally closed my account and mailed me a check for the remaining balance of {$10000.00}. Being unfamiliar with XXXX check regulations, I gave this check to my son without endorsement. 

At the end of XX/XX/XXXX, XXXX XXXX  initially deposited the check into my son 's XXXX XXXX Checking account. However, they later reversed the transaction due to insufficient endorsement. In XX/XX/XXXX, XXXX deducted {$10000.00} from my son 's account and unilaterally closed it. 

Currently, Citibank considers the check to be cashed, while XXXX has withdrawn the funds, effectively leaving {$10000.00} trapped in the banking system. Neither bank has provided clear explanation of where these funds currently are. 

Additionally, in XX/XX/XXXX, I discovered that Citibank had placed me on a XXXX  list, which now prevents me from making USD transfers between my accounts at other banks. This was evidenced by a rejected transfer attempt from XXXX XXXX  XXXX to XXXX XXXX XXXX on XX/XX/XXXX. 

Multiple attempts have been made to resolve this situation : - In XX/XX/XXXX, we met with a Citibank representative at their XXXX XXXX XXXX  in XXXX XXXX  - In XX/XX/XXXX, we had meetings with representatives from both banks at their XXXXXXXX XXXX XXXX XXXX XXXX  - On XX/XX/XXXX, we participated in a conference call with representatives from both banks Despite these efforts and the responsiveness of bank representatives, the situation remains unresolved. Neither bank has provided written explanation for the account closures, the XXXX listing, or the current status of the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NV

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NV

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by XXXX  XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits XXXX  XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$1100.00} XXXX - XXXX  - XX/XX/XXXX - {$660.00} XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX - XXXX  - XX/XX/XXXX - {$3600.00} XXXX - XXXX XXXX  - XX/XX/XXXX - {$750.00} I request the removal of the following hard inquiries unless verifiable , signed proof of my authorization can be provided : XXXX Hard Inquiries : XXXX - XXXX  - XX/XX/XXXX - {$200.00}

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