vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
I recently reviewed my credit report and identified multiple inquiries from companies with whom I have no established relationship and did not authorize to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), inquiries must be made with permissible purpose and consumer consent. The following inquiries are unauthorized and should be promptly investigated and permanently removed from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX, EQUIFAX 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, EXPERIAN XXXX XXXX XXXXXX/XX/XXXX. 
I am requesting a full investigation into these entries. If no proof of permissible purpose or written authorization is provided, they must be deleted in compliance with FCRA 604 ( a ) ( 3 ). Thank 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
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
I recently reviewed my credit report and identified multiple inquiries from companies with whom I have no established relationship and did not authorize to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), inquiries must be made with permissible purpose and consumer consent. The following inquiries are unauthorized and should be promptly investigated and permanently removed from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX, EQUIFAX 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, EXPERIAN XXXX XXXX XXXXXX/XX/XXXX. 
I am requesting a full investigation into these entries. If no proof of permissible purpose or written authorization is provided, they must be deleted in compliance with FCRA 604 ( a ) ( 3 ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Io, Inc.
State: PA

Complaint narrative:
I am disputing the reporting that XXXX has on my credit report. XXXX  did not provide me a XXXX release that releases my minor daughters ' medical information to XXXX XXXX XXXX XXXX  This medical debt being reported in violation of XXXX regulations, as my minor daughters ' protected health information has been improperly disclosed without my authorization. I request immediate removal of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
TransUnion is inaccurately reporting an erroneous late payment in XX/XX/year>XXXX  on my XXXX XXXX XXXX  account. I did not pay late and this payment is not even being reported by XXXX  nor XXXX, which proves that TransUnions reporting is inconsistent and inaccurate!! And its affecting my ability to obtain credit due to their negligence. 

TransUnion is required to report only accurate and verifiable information. I am demanding that this item be immediately deleted from my TransUnion file. This is a violation of federal law, and it is the bureaus responsibility to ensure the accuracy of the information they 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 non-monetary relief
Consumer complaint received 2025-05-20 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 explanation
Consumer complaint received 2025-05-20 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account name- XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I have been trying to obtain my official transcripts from XXXX XXXX University since XX/XX/XXXX. Despite repeated attempts to resolve the issue, the university has continued to withhold them due to an outstanding balance of {$5900.00} on my student account. While I understand the importance of settling financial obligations, Ive reached out multiple times via email and phone to discuss a payment plan or alternative options, but Ive received either no response or generic replies that dont address my specific case. 

On XX/XX/XXXX, I submitted a formal request for my transcripts and offered to pay a portion of the balance immediately, but the registrars office informed me that they are unable to release any academic records until the full amount is paid. This policy is preventing me from transferring to another institution and applying for graduate programs, both of which require official transcripts. I believe the university should consider more flexible options for students facing financial hardship, especially when withholding transcripts can block critical educational and professional opportunities.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Dispute of Incorrect Credit Report Entry Capital One Account To Whom It May Concern, I am writing to dispute inaccurate information on my Equifax credit report regarding my Capital One credit card ( Account Number ending in XXXX  ). 

My report shows a No Payment or late payment status, which is incorrect. I paid the XXXX full balance of {$2100.00} & Account XXXX XXXX XXXXXXXX full balance of {$1400.00} on XX/XX/XXXX, and these accounts should reflect Paid in Full or On-Time. 

I am requesting that this entry be corrected under the Fair Credit Reporting Act ( FCRA ). I have enclosed the following : Proof of payment Copy of my ID Please confirm receipt of this dispute and notify me once your investigation is complete.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
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 explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , XXXX  credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Fraudulent Accounts Must Be Deleted Immediately Bridgecrest Account Number : XXXX Balance : {$34000.00} Status : Charged-off ( Closed ) XXXX XXXX Account Number : XXXX Balance : {$8500.00} Status : Charged-off ( Closed These accounts are a result of identity theft and potential data compromise beyond my control These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-05-20 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: CT

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report 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 2025-05-20 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: TX

Complaint narrative:
This was not a late payment with XXXX XXXX- I had paid it off took the autopay out as I had no balance, then thry come up with a {$6.00} charge XXXX DOLLARS!!! I have protecting my credit seriously

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 2025-05-20 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: TX

Complaint narrative:
This was not a late payment with XXXX XXXX- I had paid it off took the autopay out as I had no balance, then thry come up with a {$6.00} charge XXXX DOLLARS!!! I have protecting my credit seriously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
This was not a late payment with XXXX XXXX- I had paid it off took the autopay out as I had no balance, then thry come up with a {$6.00} charge XXXX DOLLARS!!! I have protecting my credit seriously

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am writing to formally dispute a recent charge of {$120.00} USD made by Aldous and Associates, which appears to be related to a supposed account or subscription with XXXX XXXX. 

I want to clearly state that I have never been a member of XXXX XXXX nor have I ever signed up for any type of subscription or service with this company. This charge was made without my knowledge or consent, and it raises serious concerns that my personal information may have been used fraudulently by a third party. 

I respectfully request that this matter be investigated immediately, and that you provide me with all available information regarding the account in question : the name associated, date of account creation, any payment history, address used, and any other relevant details that can help clarify this issue. 

Furthermore, I reserve the right to take legal action if this situation is not resolved promptly or if it negatively affects my credit report. 

Thank you in advance for your attention and cooperation in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
This morning, I was extremely upset to see an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, and this discrepancy came out of nowhere. I even refreshed the page thinking it might be a glitch, but the inquiry remained. Im very frustrated and need the documents I submitted to be reviewed immediately so I can finally stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-20 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: CA

Complaint narrative:
A COMPANY BY THE NAME OF : PRINCE PARKER & ASSOCIATES ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS REPORTED TO THE CREDIT COMPANIES THEY ARE COLLECTING A DEBT OF {$250.00} FROM XXXX XXXX XXXX. I SPOKE WITH XXXX XXXX XXXX  AND WAS INFORMED THAT THEY RECALLED THE DEBT FROM PRINCE PARKER & ASSOCIATES AND HAVE GIVEN IT TO A COMPANY CALLED " XXXX XXXX XXXX XXXX' FOR THE SAME AMOUNT OF {$250.00}. I HAVE XXXX DEBT COLLECTORS ON MY CREDIT REPORT FROM XXXX XXXX XXXX WITH THE SAME AMOUNT. I SPOKE WITH PRINCE PARKER & ASSOCIATES TO ASK THEM TO REMOVE THEIR NAME FROM MY CREDIT REPORT SINCE THEY DON'T OWN THE DEBT, AND I WAS ADVISED THEY WILL REMOVE IT ONCE I PAY. WHEN I MENTIONED XXXX XXXX XXXX REASSIGNED THE DEBT, I WAS TOLD IT DOESN'T MATTER AND THEY WILL STILL REPORT ON MY CREDIT UNTIL THE DEBT IS PAID. AFTER ASKING IF XXXX XXXX XXXX WILL STILL ACCEPT PAYMENTS TOWARDS THE DEBT, I WAS TOLD I CAN MAKE PAYMENTS WITH XXXX OR " XXXX XXXX XXXX, '' BUT WHEN I ASKED XXXX TO VERIFY HOW MUCH MONEY I OWE, THEY COULDN'T VERIFY THE AMOUNT FOR SURE BECAUSE THE ACCOUNT WAS TOO OLD. THEIR SYSTEM WONT GO BACK PAST XXXX MONTHS.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-05-20 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: NY

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-20 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: NY

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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