vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX XXXX XXXX Inquiry Date : 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 explanation
Consumer complaint received 2025-02-25 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 request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within 15 days. Relevant documents are attached for your review.

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 2025-02-25 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 explanation
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I am disputing the reinsertion of two accounts on my credit report : XXXX XXXX  ( Account # : XXXX ) and XXXX XXXX XXXX Account # : XXXX ). These accounts were reinserted without proper notification, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires written notification within five business days of reinsertion. I did not receive any such notification, constituting a clear violation of my rights under the Fair Credit Reporting Act. Additionally, under 15 U.S.C. 1681e ( b ), all reported information must meet the standard of maximum possible accuracy. These accounts fail to meet this standard, causing substantial inaccuracies in my credit report. Moreover, they do not meet the requirements for a permissible purpose as outlined under 15 U.S.C. 1681b. These oversights reflect a failure to maintain compliance with federal regulations. Non-compliance with the FCRA is a serious matter. Even non-willful violations may result in damages, and TransUnion could be held liable for at least {$1000.00} per violation. This issue has caused significant distress and financial harm. I hereby demand the immediate removal of these accounts from my credit report to prevent further damage. Furthermore, I request a detailed explanation of the reinsertion process, including the sources of verification used to justify this action.

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 2025-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: WLCC
State: MI

Complaint narrative:
I applied with Explore Credit back in XXXX of XXXX Well in XXXX of XXXX to be exact on XXXXXXXX XXXX someone from XXXX XXXX tried to go into my checking account and take XXXX, so I had to get a new checking account with XXXXXXXX XXXX. I explained all of the above information to Explore Credit. Explore Credit went into my old closed account while having my new checking account information and debit the funds, well you can't take funds from a closed account and the strange thing is they went into my new account and debited the funds!!!!! Explore Credit comes back and tries to charge me XXXX for a late fee. I refuse to pay a late fee because my payments are automatically taken out of my account and it's not my fault that Explore Credit went into the wrong account!!! Since then I have been harassed, bullied, told my account was closed, sent email that I owe XXXX repeatedly!!!! My XXXX is high, my nerves are bad, and I'm tired of the foolishness!!!! XXXX texted me on XXXX at XXXX " XXXX XXXX XXXX This is XXXX from Explore. I'm reaching out because your recent payment was returned due to your account being closed. To help you, we are offering a 30 % off on your balance, which is a great opportunity to settle this matter. If you'd like to discuss this further, just let us know, and we'll be glad to give you a call ''. Text message Why would I need to settle when my payment are taken out of my account every week? 
Why would my account be closed? 
XXXX Text message XXXX XXXX, this is XXXX, your loan advisor. We noticed your balance is still unpaid, and we're offering a limited time chance to settle it for half your payoff balance. Call or reply to this message to discuss your options. Let 's work this out together! 

First, what's to work out together because I'm not behind on my payments??? My payments are automatically taken out of my account. I texted and said : " I don't have an unpaid balance, my payment are taken out every week ''!!!! XXXX texted back to say : " Sorry for the inconvenience, kindly ignore the previous message ''. I get another text message to XXXX from XXXX XXXX XXXX, this is XXXX, your loan advisor. We noticed your balance is still unpaid, and we're offering a limited-time chance to settle it for half your payoff balance ''. Now XXXX just sent me a message yesterday similar to the one today and told me to ignore!!!! I have emails on top of email and text messages. I could go on and on, but I refuse to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing about a payment that was due on XX/XX/XXXX for {$10.00}. I realized that I did not make a payment for {$6.00} and called the credit card customer service on XX/XX/XXXX. The balance was {$19.00} due on XX/XX/XXXX. The late fees were waived and I paid the balance for {$8.00} ( including a {$2.00} interest ). 
I thought all was good, but now I got a statement with a balance of {$21.00} due on XX/XX/XXXX. 

I called the automated line on XX/XX/XXXX, and now I got charged another set of late fees for late fees. A {$6.00} transaction is costing {$45.00}. 

I mentioned to them The Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ). However, no one in Comenity Bank customer service is aware of this protection act.

I am being charged a late fee on a late fee. I explained to them that a charge may not be imposed more than once for the late payment of the same installment, as I paid off the {$8.00}. The two charges for {$45.00} late fees are against the CARD Act. I asked for Comenity Bank to credit back {$45.00} ( all fees ) and they stated that I already got a one time reversal for {$10.00}.

I spoke to several people at Comenity Bank, and no one wants to credit back my {$45.00}. 

I appreciate your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
When I went to make my first payment I was astounded to see the amount of interest I had been charged and realized that my monthly payment was much larger than anticipated ( over {$700.00} on a {$2000.00} line of credit ) I reached out to them and informed them that I could not make the payment and that the interest that was charged was surprising to me. I then requested a modified payment plan and let them know that I was more than willing to pay the debt I had borrowed plus a reasonable amount of interest but that as the interest was currently accruing it was not feasible for me. They responded with a denial of any willingness to negotiate terms. I tried again to reach out to them via email and received the same response. They told me that I had signed the contract so I must pay and that if I didnt understand the contract then I shouldnt have signed it. I then let them know that the wording of the contract felt like it was intentionally confusing and that I would be reporting them to consumer protection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MN

Complaint narrative:
Please remove all fraudulent and inaccurate information from my credit reports. 

My current information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX DOB XX/XX/year>XXXX  Fraudulent/ Inaccurate information : Names : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-25 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: MN

Complaint narrative:
Please remove all fraudulent and inaccurate information from my credit reports. 

My current information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX DOB XX/XX/year>XXXX  Fraudulent/ Inaccurate information : Names : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and this is not a 3rd party filing this. I have attached documents for your review showing the Fraudulent accounts/ Incomplete/ Inaccurate accounts thats being reported on my consumer report. The credit reporting agencies are taken advantage of me by reporting this INACCURATE information and it needs to be removed IMMEDIATELY. 
Please see attached documentation.

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 2025-02-25 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: AZ

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly.

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 2025-02-25 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: AZ

Complaint narrative:
Transunion is inaccurately reporting personal information even though I had filed a complaint to remove these inaccurate addresses, names and employers that do not belong to me. This is a direct violation of my consumer rights and the FCRA. I have uploaded a copy of my Driver License for identification/address purposes, SS card and a copy of your inaccurate credit report to 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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) specifically Cash App failed to take timely and effective messages to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was u fair and deceptive as they did not comply with error resolution requirements u def the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I sore appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MI

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 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 2025-02-25 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: MI

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 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Dear Capital One Customer Support, I hope this letter finds you well. I am writing to formally request a goodwill adjustment on my credit report regarding a late payment on my Capital One account XXXX I sincerely regret the missed payment, which was due to unforeseen financial hardships at the time. 

Since then, I have worked diligently to maintain a positive payment history, and I am pleased to inform you that my account has been paid in full. As I continue striving to rebuild and maintain strong financial health, I kindly ask if you would consider making a one-time goodwill adjustment by updating my payment history to reflect positive standing instead of a late payment. 

Capital One has been a valued financial partner in my journey, and I appreciate the services you provide. I am committed to responsibly managing my credit, and a positive adjustment to my account would significantly assist me in maintaining good credit standing. 

I understand the importance of accurate reporting and truly appreciate your time and consideration of my request. If any additional information is required, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your time and support. I would be sincerely grateful for any goodwill consideration you can extend in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: UT

Complaint narrative:
XXXX XXXX is reporting as a collection on my credit report with transition, this is from an alleged medical debt that I have no knowledge of. 

This is not my debt and even if it was the CFPB has ruled medical debt can not be reported to the credit reporting agencies. This collection is directly against the CFPBs recent ruling

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 2025-02-25 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: PA

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 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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid a charge off XX/XX/XXXX. The company said they would update the information. On XX/XX/XXXX I attempted to dispute to update the negative balance as paid in full. Today, XX/XX/XXXX the company reported a balance and the account reported as a charge off and not closed.

Company response to consumer: Closed with explanation