vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-26 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries on my credit report. On XX/XX/year>, my personal information was accessed and used without my knowledge or authorization. As a previous victim of identity theft, I have taken signicant precautions to prevent further fraudulent activity, including placing a fraud alert on my credit prole. 
Despite the fraud alert, which requires creditors to contact me and verify my identity before approving any credit inquiries, an unauthorized inquiry was made on my credit report. This constitutes a clear failure in protecting my credit prole and is wholly unacceptable. 
The fraudulent inquiries appearing on my report are as follows : - CONSUMER PORTFOLIO S - XX/XX/year> - XXXX XXXX XXXX - XX/XX/year> - XXXX XXXX - XX/XX/year> - - XXXX XXXX XXXX - XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and request the removal of fraudulent information from my credit report. Additionally, under 15 U.S.C. 1681b, credit inquiries require permissible purpose, and any unauthorized access to my credit report is a direct violation of federal law. Since I did not authorize these inquiries, they must be removed immediately in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I am writing to formally dispute charges and penalties applied to my account related to a vehicle loan taken out jointly with my late husband. My husband passed away in XXXX, and at the time of signing the loan, we had opted for a death benefit protection on the vehicle. 

After notifying the loan company of his passing, I was advised by a representative not to make any payments while the death benefit claim was being processed. Following their guidance, I paused payments during this time. However, in XXXX, I was informed that the company would not honor the death benefit, and they subsequently applied late payment penalties for XXXX, XXXX, XXXX, and XXXX. 

I attempted to resolve this matter directly with the loan company, explaining the situation and the instructions I had received, but was told there was nothing they could do. Despite this, I paid off the full remaining balance of the loan in XXXX, yet the late fees and penalties remain on my account. 

This situation was caused by a clear miscommunication on the part of the loan company, and I am now unfairly facing the financial and credit consequences of having followed the guidance they gave me. I am requesting a full review of this matter and a reversal of the late charges and penalties. 

Thank you for your attention to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-26 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: MN

Complaint narrative:
XXXX credit approved a card the closed it so that lowered my credit score no reason why then they mailed the card so I want the negative reporting to be corrected

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 2025-03-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-26 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: NC

Complaint narrative:
There has been a national breech of individuals that has obtained my personal information without authorization from congress.

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 2025-03-26 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: NC

Complaint narrative:
There has been a national breech of individuals that has obtained my personal information without authorization from congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NC

Complaint narrative:
There has been a national breech of individuals that has obtained my personal information without authorization from congress.

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 2025-03-26 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 
XXXX XXXX acct # : 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 2025-03-26 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-26 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: AS

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 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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In late XXXX, I enrolled in a payment program with Wells Fargo due to difficulties in making my credit card payments. During the registration process, I asked if I could cancel the program at any time and was assured that I could. 

However, when I called in XXXX to cancel, I was informed that I couldn't do so until XX/XX/year>. I escalated the issue, but I received several emails stating they couldnt locate the original call. This prompted another escalation to their XXXX team. 

When they contacted me, I explained that not only was advised that I could cancel at anytime but then was also advised in XXXX that if I missed 2 consecutive payments I would automatically be removed from the program. I did miss those payments, but I remained in the program, and Wells Fargo continued to deny my request to exit.

About two weeks ago, I spoke with a representative who reiterated that I was advised to miss two consecutive payments. Currently, I am trying to purchase a home, but my participation in this program has caused my credit score to drop by XXXX points, hindering my ability to proceed with the a mortgage loan. 

I have pleaded with Wells Fargo to remove me from the program so I can manage my monthly payments more effectively.

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 2025-03-26 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: TN

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: LIVE OAK BANCSHARES, INC.
State: FL

Complaint narrative:
Im on the with XXXX customer service he asked me 12 questions to verify and he is not done yet Is your bank a joke? Its ridiculous why he wouldnt his common sense.

Ive verified 12 questions I have submitted all documents requested.

And he is asking for additional ones that you did not request before. How professional is that. Is your bank being discriminatory?

And I would ask for you to train your reps with a minimum training so your bank doesnt seem like a joke.

Im requesting a call back or several others complaints will be issue due additional issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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 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 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I currently have loans with two schools : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

In XXXX I was sent notification " Final request : take action now to avoid default ''. I contacted Nelnet right away and applied for forbearance because at the time I had no money. 

XXXX Covid hit, and every year was sent a message " forbearance has been approved '' XXXX In XXXX of XXXX I was sent notification " Your forbearance is ending soon '' In XXXX I went through in Loan Consolidation, submitted application with ALL LOANS and was told in XXXX " Congrats! Your student Loan is paid in full '' and I went on an income driven payment plan and have NEVER missed a payment. 
In XX/XX/XXXX I was at a credit score of XXXX and the next date woke up to a credit score of XXXX. Upon call after call and letter after letter and complaint after complaint- I am here begging for help. 
XXXX Sent in complaint for XXXX and Nelnet XXXX Sent in complaint for Defaulted Loans Finally got the information for the collections agency and they stated they received my file in XXXX but just NOW started to try to collect. Unbeknownst to me- I was told all loans were covered in the Loan Consolidation with Nelnet XXXX 
When asking for options on how to get credit score back and loans NOT in " default '' I was simply told 2 things. Contact original loan provider OR make a one time payment of {$26000.00} and my credit would NOT be reinstated.

I called Nelnet and sent in complaint for serious help and was responded with " This is no longer Nelnets file you need to speak with collections agency.

I then called Nelnet AGAIN and spoke to a supervisor who was on the phone with me for over XXXX hours. Not only is my consolidated loans have BOTH XXXX XXXX  AND XXXX XXXX, these " defaulted '' loans were supposed to be included as well. 

I was told that they were opening a " research ticket '' and would call me back in XXXX hours. This was on XX/XX/XXXX. My credit keeps dropping. 

Essentially this is what is happening : Collections XXXXgency- Pay with no credit back or contact Nelnet Nelnet- Not our fault or file anymore- cant help you- but this should not have happened to you.

It has been 2 months now, and NO ONE is helping me. I am alone in the state of IL- no family and single. What's most important is a credit score, and as of right now, I have a poor rating after working so hard- and no one is helping, and im at rock bottom with options. PLEASE HELP ME I have proof of ALL complaints, letters, emails, phone calls. I can submit at any time to you for proof. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-26 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I DID NOT OPEN THIS ACCOUNT WITH THE COMPANY ALLY FINANCIAL SERVICES. 
ACCOUNT SHOWED UP ON MY CREDIT REPORT OPENED ON XX/XX/XXXX, WITH A BALANCE OF {$31000.00} I DID NOT AUTHORIZE THIS I NOTICED THIS ACCOUNT ON MY CREDIT REPORT XX/XX/XXXX THIS IS FRAUD AND I WOULD THIS ACCOUNT TO BE REMOVED THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-26 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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