vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: DE

Complaint narrative:
XXXX, XXXX have both ruined my credit by unlawfully pulling my credit report. There is misinformation on my report and credit fraud which they failed to remove.

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 2025-01-24 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: DE

Complaint narrative:
XXXX, Experian have both ruined my credit by unlawfully pulling my credit report. There is misinformation on my report and credit fraud which they failed to remove.

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 2025-01-24 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: OK

Complaint narrative:
In concerns to the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX {$9100.00}, {$7000.00}, {$8900.00}, {$8400.00} In concerns to the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX {$7000.00} XXXX {$9100.00}, {$9000.00}, {$8400.00} XXXX : XXXX XXXX XXXX XXXX TX TransUnion : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX With respect to the XXXX XXXX XXXX under which we operate with full faith in credit. This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account. 
It has come to my attention that there may have been some accounting irregularities in this account which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 


Since XXXX the United States has operated upon the good faith and credit of the American people, not the good faith and credit of the Banking industry. Has it not? The government, including the government sanctioned corporations, institutions and banks, have no authority to create money. Only We the American people can create money. We the American people are the originators of the money and are therefore the Creditors. Are we not? 
When I placed my signature on the Promissory Note, giving value to the Note, I was the originator of the funds and, therefore, the Creditor of the transaction. Am I not?

It has come to my attention that the Promissory Note which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. Please provide me with a certified copy, front and back, of the original Promissory Note which I signed and presented to the Bank in this transaction and the lawful authority which authorized the Bank to engage in the sale of an unregistered Security, in this transaction. Your failure to provide me with documentary evidence of the lawful authority shall constitute your stipulation that no lawful authority exists and your tacit confession to the unlawful sale of an unregistered security in violation of state statute.

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 2025-01-24 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: OK

Complaint narrative:
In concerns to the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX {$9100.00}, {$7000.00}, {$8900.00}, {$8400.00} In concerns to the following XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX {$7000.00} XXXX {$9100.00}, {$9000.00}, {$8400.00} XXXX : XXXX XXXX XXXX XXXX TX XXXX : XXXX XXXX XXXX XXXX PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX With respect to the XXXX XXXX XXXXXXXX under which we operate with full faith in credit. This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account.

It has come to my attention that there may have been some accounting irregularities in this account which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 


Since XXXX the United States has operated upon the good faith and credit of the American people, not the good faith and credit of the Banking industry. Has it not? The government, including the government sanctioned corporations, institutions and banks, have no authority to create money. Only We the American people can create money. We the American people are the originators of the money and are therefore the Creditors. Are we not? 
When I placed my signature on the Promissory Note, giving value to the Note, I was the originator of the funds and, therefore, the Creditor of the transaction. Am I not?

It has come to my attention that the Promissory Note which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. Please provide me with a certified copy, front and back, of the original Promissory Note which I signed and presented to the Bank in this transaction and the lawful authority which authorized the Bank to engage in the sale of an unregistered Security, in this transaction. Your failure to provide me with documentary evidence of the lawful authority shall constitute your stipulation that no lawful authority exists and your tacit confession to the unlawful sale of an unregistered security in violation of state statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: OK

Complaint narrative:
In concerns to the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX {$9100.00}, {$7000.00}, {$8900.00}, {$8400.00} In concerns to the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX {$7000.00} XXXX {$9100.00}, {$9000.00}, {$8400.00} Experian : XXXX XXXX XXXX XXXX TX XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX With respect to the XXXX XXXX XXXX  under which we operate with full faith in credit. This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account.

It has come to my attention that there may have been some accounting irregularities in this account which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 


Since XXXX the United States has operated upon the good faith and credit of the American people, not the good faith and credit of the Banking industry. Has it not? The government, including the government sanctioned corporations, institutions and banks, have no authority to create money. Only We the American people can create money. We the American people are the originators of the money and are therefore the Creditors. Are we not? 
When I placed my signature on the Promissory Note, giving value to the Note, I was the originator of the funds and, therefore, the Creditor of the transaction. Am I not?

It has come to my attention that the Promissory Note which I executed is an unregistered security and that it may have been sold, traded or assigned in violation of state statutes. Please provide me with a certified copy, front and back, of the original Promissory Note which I signed and presented to the Bank in this transaction and the lawful authority which authorized the Bank to engage in the sale of an unregistered Security, in this transaction. Your failure to provide me with documentary evidence of the lawful authority shall constitute your stipulation that no lawful authority exists and your tacit confession to the unlawful sale of an unregistered security in violation of state statute.

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 2025-01-24 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

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 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
There were three monthly automatic payments even after I paid off my loan in early XXXX 

However, they have not provided me with a refund for my overpayment ever since. In XX/XX/year>, they asked me to verify my address, which I have done. Still, even today, I am not getting a refund for my payment. 

I called today, after two to three hours of waiting, the customer service representative. She said the refund was too complex for her to track and that she would transfer me to the advanced specialist. The advanced specialist transfer has been on hold for two hours without anyone answering the phone. 

If you search on XXXX, you will see many students like myself having difficulty receiving a refund from Mohela or talking to the customer representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am actively involved in a dispute with american express. I was having difficulty making my payments and was presented with two options. I could either enter into an internal program that required enrollment fee and se ongoing payments for an agreement to freeze the account ( no further deliquent, would not cancel card, etc. ) OR I could pay the past due balance in full. After weighing my options I felt I was able to make the payment in full to bring my account current and would be able to make payments moving forward. Instead, I find out within days they had just canceled my card. This goes directly against what their customer service agent told me. Had I known the second option included account closure I wouldve opted for the program and worked to pay off the balance to avoid a closed account on my credit report. I called immediately and was told that this was a simple dispute that could be easily resolved but the team was out for thanksgiving holiday. Once back from holiday I called and spent another several hours on the phone to be passed around between atleast 8 different departments who all told me they would be able to help me only to pass me on to another department. I was told that a manager would call me back after investigating the problem and still to this day has not called back. I believe this was dishonest business practice and had they given me the honest options I wouldve chosen to enroll in program to avoid account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Dear Bridgecrest I am writing to formally express my outrage and dissatisfaction with the grossly inadequate and misleading " investigation '' that your company has conducted into my consumer dispute, which has now reached an unacceptable level of negligence. 

Despite my multiple attempts to resolve this issue amicably, it is clear that your company is engaged in a deliberate attempt to undermine consumer rights by conducting what can only be described as a sham investigation. This investigation is neither thorough nor impartial. In fact, it is evident that your company 's actions are designed to obscure the truth, delay resolution, and ultimately avoid accountability. 

Let me make one thing clear : this behavior is not only unethical but also illegal. By failing to properly address and resolve legitimate consumer disputes, you are violating [ specific laws or regulations, e.g., Fair Credit Reporting Act ( FCRA ), Consumer Protection laws, etc. ], which require that all disputes be investigated in good faith and with due diligence. 

As a result of your failure to act in accordance with the law, I am left with no choice but to inform you that I will be pursuing all available legal remedies, including filing a formal lawsuit. This letter serves as a final warning to your company that further delays or attempts to dismiss my legitimate concerns will result in immediate legal action. 

To avoid escalation, I demand the following : IMMEDIATE REMOVAL A complete and thorough review of my dispute, conducted in full compliance with applicable law. 
A written explanation of the specific steps taken during your investigation and the evidence reviewed. 
A prompt resolution of my dispute and any necessary corrections to my account, including full compensation for any damages or losses incurred as a result of your failure to act responsibly. 
Please understand that I am prepared to take legal action without further notice if this matter is not resolved to my satisfaction within [ 15 days ] of receiving this letter. I will not hesitate to involve regulatory bodies, pursue claims for damages, or seek public remedies if you continue to mishandle this issue. 

I strongly advise you to take this letter seriously and treat this dispute with the urgency and respect it deserves. Your company 's failure to do so will not be tolerated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
My sister and I have somewhat similar names. At some point, Transunion and XXXX decided that we were the same person and added my sister 's name to my credit report. Because of this error, my sister 's student loan servicer reports her loans to my credit report because they have listed my sister 's name as the primary name. This has lead to an inability to qualify for a home loan because it has ruined my debt-to-income ratio. When filing disputes, the credit bureaus make it exceedingly difficult. I can not load the status of my dispute with Transunion, and the customer service representatives merely deflect rather than actually helping. I filed two disputes with XXXX with multiple documents to support my claim, only to be denied. Finally after multiple phone calls, I was able to have my sister 's name removed from my XXXX report, but they will not remove the student loan debt. The student loan servicer will not talk to me because I am not the person on their account.

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I be getting denied with this company for a credit card there are discriminate against me regardless of every precautions I take to get a credit card Citibank bank is very discriminate against me

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I changed my name legally, I been requesting it to be updated. Nothing has been changed.

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 2025-01-24 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: CA

Complaint narrative:
I changed my name legally, I been requesting it to be updated. Nothing has been changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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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