vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Charged off, written off by one main financial still requesting payment after receiving a tax break from the irs. However has never sent me the 1099-c Form & is still reporting to my credit report each month hindering my score.

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 2025-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MI

Complaint narrative:
The company who I received XXXX XXXX  from has gone bankrupt and does not exist anymore. There for all balances owed are null and void ; also TEK COLLECT INC can not collect a debt for a company that DOES NOT exist anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I made a payment of {$50.00} on Friday, XX/XX/XXXX. I logged onto my online account on Sunday, XX/XX/XXXX only to find that I was locked out of my account. I called the XXXX which is a different number on the back of the card. The agent I spoke with stated I needed to send in my ID to verify my identity due to " suspicious '' activity. I asked what kind of suspicious activity was on the account and I told her the last transaction should be the payment that was made. She then stated two other transactions of which she could not see the amounts. I called the number on the back of the card XXXX on Wednesday, XX/XX/XXXX and was told due to suspicious activity my account was locked because my identity was not verified because I didn't submit my ID. During the application process my ID was never requested. At this point, I've had this card for two months, made purchases ( small purchases ) with no issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-04-06 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: NJ

Complaint narrative:
I am enrolled in the SAVE program to repay federal loans. My loans have been in forbearance since XX/XX/year>2024 under the Biden Administration. during this period there is 0 % interest accruing. The Trump administration has filed to dismantle the plan and the status of the SAVE plan is under review. My loans continue to be administrative forbearance with no interest accruing or payment due. I have never made a late payment on my loans. There is no interest accruing during the forbearance period and there has been no payment due since XX/XX/year>2024. It was incorrectly reported that I am delinquent on my payments due to accrued interest, however that is completely factually incorrect. My credit score declined XXXX points due to this misinformation and incorrect reporting. I am attaching proof of all payments and interest accrued, as well as, due dates of payments.

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 2025-04-06 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: NJ

Complaint narrative:
I am enrolled in the SAVE program to repay federal loans. My loans have been in forbearance since XX/XX/year>2024 under the Biden Administration. during this period there is 0 % interest accruing. The Trump administration has filed to dismantle the plan and the status of the SAVE plan is under review. My loans continue to be administrative forbearance with no interest accruing or payment due. I have never made a late payment on my loans. There is no interest accruing during the forbearance period and there has been no payment due since XX/XX/year>2024. It was incorrectly reported that I am delinquent on my payments due to accrued interest, however that is completely factually incorrect. My credit score declined XXXX points due to this misinformation and incorrect reporting. I am attaching proof of all payments and interest accrued, as well as, due dates of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NJ

Complaint narrative:
I am enrolled in the SAVE program to repay federal loans. My loans have been in forbearance since XX/XX/scrub> 2024 under the Biden Administration. during this period there is 0 % interest accruing. The Trump administration has filed to dismantle the plan and the status of the SAVE plan is under review. My loans continue to be administrative forbearance with no interest accruing or payment due. I have never made a late payment on my loans. There is no interest accruing during the forbearance period and there has been no payment due since XX/XX/year>2024. It was incorrectly reported that I am delinquent on my payments due to accrued interest, however that is completely factually incorrect. My credit score declined XXXX points due to this misinformation and incorrect reporting. I am attaching proof of all payments and interest accrued, as well as, due dates of payments.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
A person other than myself attempted to open a new account under my social security number. There were about two attempts with XXXX XXXX XXXX. I would like these hard inquiries 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 2025-04-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I sent them a letter requesting that they stop withdrawing from my checking account. They pretended they didnt receive the letter although they provided me with the email address to send it to. The payments that I am making is not taking my balance down at all. They lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: VA

Complaint narrative:
FTC IDENTITY THEFT REPORT ATTACHED. 

The following INQUIRIES were not authorized and had no permissible purpose or other reason to obtain a copy of my credit report. Each of these hard inquiries is a direct violation of the FCRA and must be immediately deleted. I did not authorize these inquiries. 

Please delete the following inquiries : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Please provide me proof I consented to the above inquiries ( I did not ) via the FCRA Section 609 and 605. You must also prove the accuracy and permissible purpose of the above inquiries under FCRA Section 623. For these reasons, the inquiries must be deleted. 

I also note with extreme interest you have already been sued by the Consumer Financial Protection Bureau for conducting bogus investigations and failing to comply with the Fair Credit Reporting Act. 

Equifax failed to conduct adequate investigations of disputed information in credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Perpay, Inc.
State: FL

Complaint narrative:
I have made multiple requests to close the account and discontinue adding monthly fees, interest, and late charges. I have paid the balance off twice but they continue to insist that the account remains open and therefore a monthly fee is added. 

This is a never-ending practice that I feel I can not resolve as long as they continue to add fees every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have submitted multiple requests for validation of debt and never received info. I have also file disputes with XXXX XXXX and they say debt is validated but never send me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Experian for false advertising, breach of contract, and unauthorized billing for services that were not rendered. Over a period of three months, I paid for your advertised 3-Bureau Credit Report Monitoring Service , which I was repeatedly unable to access despite numerous complaints and outreach attempts to resolve the issue.

Despite multiple written and verbal complaints submitted to Experiandetailing that I was unable to view all three of my credit reportsno action was taken to remedy the issue. However, my credit card continued to be charged each month during this period. This pattern of inaction while continuing to collect payment is not only unethical but likely illegal under both state and federal consumer protection laws.

Violations and Relevant Laws : False Advertising / Misrepresentation Under the Federal Trade Commission Act ( 15 U.S.C. 4158 ), false or misleading representations about the services you offer are prohibited. Advertising access to 3-bureau reports while failing to deliver the same constitutes deceptive business practices.

Unfair and Deceptive Acts and Practices ( UDAP ) Your conduct may violate state UDAP laws, which prohibit businesses from engaging in unfair or deceptive practices that harm consumers.

Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 Continuously charging a customers card for a service that is not being provided could constitute unauthorized billing, especially after the customer has made efforts to dispute or correct the issue.

Consumer Financial Protection Act Dodd-Frank Act ( 12 U.S.C. 5531 ) The CFPB defines unfair, deceptive, or abusive acts or practices ( UDAAPs ) as illegal. Your failure to correct a known issue while continuing to bill falls under these categories.

Demands : Full Reimbursement I demand a full refund for the three months during which I was charged while the service was inaccessible, totaling [ XXXX XXXX XXXX ]. 

Extended Service Access I also demand 12 months of complimentary access to the full 3-Bureau Credit Report Monitoring Service as compensation for the inconvenience, loss of time, and failure to provide contracted services.

Immediate Resolution I expect immediate action to resolve this complaint. If the issue is not resolved within 15 business days, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state.

Please consider this a final opportunity to resolve the matter amicably and avoid further legal escalation.

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