vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint regarding the inaccurate reporting of my bankruptcy information to the credit bureaus, despite clear instructions from the court that bankruptcies should not be reported to the credit bureaus. I believe this situation constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

As per the courts directive, the bankruptcy information should not have been reported to the credit bureaus. However, the bankruptcy is still being reported by all three major credit bureausExperian, XXXX, and XXXX XXXX, which is acting as a third-party data provider. I did not authorize XXXX, nor any third party, to report or disclose this information to the credit bureaus. 

I contacted XXXX, and they confirmed that they had disputed the bankruptcy records with all three credit bureaus. However, only XXXX has removed both the public records related to the bankruptcy from my credit report. The other XXXX credit bureaus have failed to correct or remove the inaccurate entries. 

The following legal provisions are being violated : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, specifically Section 1681e ( b ), consumer reporting agencies ( CRAs ) are required to maintain reasonable procedures to assure maximum possible accuracy in reporting information. The inaccurate reporting of my bankruptcy, despite the courts directive and my efforts to correct it, constitutes a violation of this standard. 
2. Right to Privacy and Consent under the FCRA Under Section 1681b, consumer reporting agencies must have permissible purposes to report credit information. As I did not authorize XXXX or any other third-party to report this information, this constitutes an unauthorized disclosure of my personal data, violating my right to privacy. 
3. Section 1681i Procedure in Case of Disputed Information Under the FCRA, when a consumer disputes inaccurate information, the credit bureaus are required to investigate the dispute and resolve the matter in a timely manner. The failure of XXXX and TransUnion to remove or correct the inaccurate bankruptcy records in response to my dispute constitutes a failure to comply with the requirements set forth by the FCRA. 

Given these violations, I respectfully request that the CFPB investigate this matter and assist in ensuring the removal of the inaccurate bankruptcy records from my credit report. This inaccurate reporting is causing harm to my credit standing, and I believe it is critical to hold the involved parties 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 2025-03-04 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-04 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal complaint against Experian, Equifax, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, regarding civil liability for noncompliance. Despite my previous dispute request, they have failed to investigate and correct inaccurate charge-off entries on my credit report, causing harm to my creditworthiness. 

The following charge-offs remain inaccurately reported : XXXX XXXX XXXX Opened : XX/XX/XXXX {$17.00} XXXX XXXX Opened : XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$370.00} Violations and Grounds for Complaint : Failure to Investigate : Under 15 U.S. Code 1681i, credit bureaus must investigate disputed items. My disputes were ignored or improperly handled. 
Negligent Noncompliance ( 1681o Violation ) : By failing to correct these inaccuracies, the credit bureau has caused financial harm by negatively impacting my credit score, making it harder for me to secure housing, loans, and financial opportunities. 
Unverified and Outdated Accounts : Some of these charge-offs do not belong to me, and others are outdated and should be removed per federal reporting guidelines. 
I demand immediate action to correct these errors and remove all unverified negative accounts. Furthermore, I request that the CFPB hold Experian, Equifax, and TransUnion accountable for their non-compliance with the FCRA. 

I have attached copies of my dispute letters, supporting documents, and credit report for reference. Please provide a resolution within 30 days to avoid further legal action. 

Sincerely, 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 2025-03-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal complaint against Experian, Equifax, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, regarding civil liability for noncompliance. Despite my previous dispute request, they have failed to investigate and correct inaccurate charge-off entries on my credit report, causing harm to my creditworthiness. 

The following charge-offs remain inaccurately reported : XXXX XXXX XXXX Opened : XX/XX/XXXX {$17.00} XXXX XXXX Opened : XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$370.00} Violations and Grounds for Complaint : Failure to Investigate : Under 15 U.S. Code 1681i, credit bureaus must investigate disputed items. My disputes were ignored or improperly handled. 
Negligent Noncompliance ( 1681o Violation ) : By failing to correct these inaccuracies, the credit bureau has caused financial harm by negatively impacting my credit score, making it harder for me to secure housing, loans, and financial opportunities. 
Unverified and Outdated Accounts : Some of these charge-offs do not belong to me, and others are outdated and should be removed per federal reporting guidelines. 
I demand immediate action to correct these errors and remove all unverified negative accounts. Furthermore, I request that the CFPB hold Experian, Equifax, and TransUnion accountable for their non-compliance with the FCRA. 

I have attached copies of my dispute letters, supporting documents, and credit report for reference. Please provide a resolution within 30 days to avoid further legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In reference to your response on XXXX 2025. To my previous CFPB complaint # 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 2025-03-04 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
There is incorrect data on my credit report that is impacting my credit history. I did not authorize these companies to access my information. I am requesting for this information to be removed from 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GFS II, LLC
State: IN

Complaint narrative:
I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IN

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-04 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: NC

Complaint narrative:
On XX/XX/year> I paid off all my debts to vibe credit union which the letter is attached, but this information is being reported to Transunion incorrectly. Month after the month the balance is reflected disappears and then reflected again as if I have not paid this off. This is only happening with Transunion. Due to this its causing issues on my credit report. Due to this I am asking it permanently be removed off my credit report as this is false information.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I opened a loan that I was not able to pay. 

This loan was then sold to Pressler , Felt & Warshaw , LLP who have threatened to sue me on multiple occasions with letters ( I no longer have ) unless I pay the debt. 

The only way to pay the debt is by leaving my payment information but they will not show the total I owe. I have tried on many occasions to email and call them as well as arrange callbacks. This law firm has refused to answer any of my communications of me attempting to settle the debt. 

This law firm leaves reviews for themselves on XXXX from personal employees saying how great they are while also include their extension numbers in which you will never get ahold of. This is extremely predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NY

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Goldman Sachs Credit card charged with XXXX XXXX for in app purchase that was mistakenly made by a minor. Immediately disputed the charge and explained to both the 3rd party app and XXXX XXXX, dispute denied twice. Tried to dispute with Goldman Sachs and credit card, was told can not dispute XXXX XXXX charges. Was later told that I can dispute through the credit card. Very deceptive practices by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
Monday XX/XX/2025, I went to Provident Bank at XXXX XXXXXXXX XXXX  XXXX and I opened a checking account. I deposited {$140.00} to open the account and later that day my account was frozen by the fraud department. I made XXXX XXXX transactions ( {$60.00} & {$1.00} ) and I received ( {$60.00} ). I tried to login into my account and I was informed by a message on my online banking and app the account is frozen. I call customer service and they informed me that the fraud department frozen my account for the XXXX transactions and I would need to go into the branch to verify. I went to the branch this morning XX/XX/2025, I spoke to the branch assistant manager who opened the account the previous day, I politely asked her to resolve my issue and contact the fraud department for the bank. She refused and said told me she cant do anything and wont call to resolve my issues and concern. I asked her to close my account and give me my money ( {$130.00} ) in the account. She refused and said that I have to wait for the investigation to be done. She was extremely rude and condescending, customer service is horrible and misinformed. They are holding my money hostage and refusing to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I saw on my credit report that they have these XXXX account XXXX days late and those account have been placed on an income-driven repayment for XXXX months. Also they have never been late.

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 2025-03-04 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-04 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: TX

Complaint narrative:
I have noticed several accounts on my credit report that do not belong to me, and I have no knowledge or affiliation with them. This is not only unjust but also deeply troubling. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a credit report that is accurate and free from any erroneous information. These inaccuracies are having a negative impact on my financial standing, and I demand that they be rectified immediately. I expect a thorough investigation and correction of these errors. If this issue is not resolved promptly, I will pursue legal action to protect my rights.

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On Friday, around XXXX pm on XXXX XX/XX/year>, I was told by the Pentagon Credit Union Manager on duty that I am authorized to make a " Point of Sale '' transaction of {$5000.00}. I had transferred {$5700.00} ; however, after the individual hung up, I tried to make a Point of sale transaction at XXXX XXXX XXXX and XXXX for XXXX dollars. It was declined, after XXXX hours of going to XXXX different casinos ( XXXX, XXXX, and XXXX ). A PENFED Supervisor informed me that I am only allotted {$2000.00}. My biggest issue is the following : 1 ) Manager lied to me about the {$5000.00} authorization 2 ) PENFED told the Credit Card fraud company not to release the block 3 ) PENFED did not take any assertiveness after 5 days of waiting to call or resolve the block even when I received a notification on my email that the attempted charges were valid.

4 ) PENFED employees fail to read what's on the notes and continue to interogate me on all the attempted transactions only to be transferred to another department Which overall created undue stress and anxiety that has caused me to decide to close this account later, when I get back home to North Carolina. After XXXX  years with the credit union, customer service has gotten so bad it's going through the motions ... and they don't care at all about Veterans

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