vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
UCC 3-501- The original wet-ink or timestamped agreement between me and the original creditor A digital copy or account statement doesn't count.

UCC 1-308 I do NOT waive my rights to dispute just because I am responding I never agreed to do business with you My contract was with the original creditor not you.

Proof of Consideration ( under contract law ) A contract or document showing that I received something of value from the collection company directly ( no value X= no right to report ) There is no enforceable contract without consideration.

Proven Consent Under the GLBA ( Gramm-Leach-Billey Act ) - I demand documented, signed consent showing that I authorized my private financial data " including this alleged debt '' to be shared with any third-party debt collector ( Under the GLBA Privacy Rule ) never gave consent under GLBA to share my private info .

Under the Truth in Lending in Lending Act ( TILA ), 15 U.S.C 1631 and 1632, I hereby request the full written disclosure of all material terms of timestamped proof showing written acknowledgment of receipt Any relevant clauses that permit reporting, reselling, or transferring this obligation.

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 2025-05-19 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: NV

Complaint narrative:
" I am writing to demand immediate action regarding the fraudulent items still on my credit file. While Ive noticed that some have been removed, there are still numerous items that remain, and I will not tolerate this negligence. I expect Experian, Equifax, and TransUnion to REMOVE EVERY SINGLE fraudulent entry that was opened without my consent, immediately. Below is the list of items that must be erased from my record, and I will not settle for anything less. '' 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 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 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 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 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 XXXXXX/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 2025-05-19 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: NV

Complaint narrative:
" I am writing to demand immediate action regarding the fraudulent items still on my credit file. While Ive noticed that some have been removed, there are still numerous items that remain, and I will not tolerate this negligence. I expect Experian, Equifax, and TransUnion to REMOVE EVERY SINGLE fraudulent entry that was opened without my consent, immediately. Below is the list of items that must be erased from my record, and I will not settle for anything less. '' 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 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 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 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-19 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
A supposed friend, who is no longer a friend of mine, XXXX XXXX, sent two deposits via XXXX to my Bank of America Checking account totaling {$800.00}. He told me that Bank of America was slow in releasing funds to his account and that he needed to purchase necessities for his family, immediately. He would send me money via XXXX and he asked me to send him the funds back to via XXXX XXXX. 

After the money was sent to my account and I verified that balance reflected those deposits, I sent him back the money in two transactions respective to the sequence and amounts that I had received them.

Two to three months later, Bank of America deducted the {$800.00} from my account. I filed a claim but my claim was denied. I agreed to a payment plan to repay the debt, however I had been recently laid off from work and was engaged in a custody battle and bitter divorce that had rendered me unhoused. My unemployment income barely covered my cost of living. I wasn't able to pay back the debt in time. However, I never should have been burdened with the debt as I was the victim of fraud. Furthermore, XXXX approved the funds for use, only to reverse their decision nearly three months later. XXXX 's core business is guaranteeing and sending money between customers and the company failed in it's sole business role. 

As a result of this action by Bank of America and XXXX, I can only open a secured checking account. Deposits via paper check take up to two weeks to clear and for the funds to be deposited into my account for use. 

When I resumed work, I called Bank of America to open a new checking account. I told them that I would be making a gross annual salary of {$120000.00} and that I wanted them to be my main bank so that I could continue a relationship with them that had started in XXXX. Bank of America told me that I first had to pay the debt and then I could open a checking account and that it would not be the same account I had before but it would be a secured checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I received a {$600.00} loan from CreditNinja. They added a {$870.00} credit access fee plus {$39.00} in interest, bringing the total repayment to {$1500.00} across XXXX payments. This results in an APR of 427.51 %. The loan was reported to XXXX  under different names ( XXXX ) with a false balance of {$550.00}, making it hard to track or dispute. I reviewed all loan documents and requested a payoff, which confirmed I still owe {$1300.00}. The terms were not clear upfront, and I believe this is deceptive and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AR

Complaint narrative:
On XX/XX/year>, I received a letter from Experian informing me that a previously blocked account related to identity theft was reinserted into my personal credit report. The account is for a XXXX XXXX XXXX XXXX that I had previously disputed as fraudulent and was successfully blocked under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. 

Experian claims the account was reinserted because of one of the following : The request was based on a material misrepresentation ; I agreed in writing the block was in error ; or I knowingly obtained goods or services tied to the fraudulent transaction. 
I dispute these claims in their entirety. 

I have not made any material misrepresentations. 
I have not signed any document agreeing the block was in error. 
I did not open or authorize this auto loan, nor did I benefit from it.

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 2025-05-19 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: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The bank has agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am disputing the account listed as CAINE WEINER # XXXXXXXX XXXX XXXX XXXX XXXX, as I have no knowledge of this debt and was never given the opportunity to dispute it. If you contend that proper notification was sent, please provide a copy of the certified mail receipt bearing my signature. If such documentation can not be produced, I respectfully request that you delete account # XXXXXXXX XXXX XXXX XXXX XXXX  from my credit report XXXX XXXX or I will be forced to pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: OK

Complaint narrative:
At the end of XX/XX/XXXX  I opened a XXXX XXXX XXXX Account with MoneyLion. I missed the first payment so in XX/XX/XXXX  I made two payments of {$95.00} to catch the Account up. When XXXX payment was due I made the Payment then got in touch with the Moneylion Customer Service Team & informed them that I could not afford to make anymore payments and I asked if I could be refunded for the 3 payments I had made already. They informed me that I could not get a refund but they could use the {$1000.00} that was in my XXXX XXXX Account and pay off the remainder of the loan and anything left over would be deposited into my account. I told them to go ahead and do the transaction. So they used the {$1000.00} in the XXXX XXXX Account and payed the remainder of the loan. It showed I was $ XXXX {$1000.00} on the loan so it was payed off. There was {$290.00} remaining in my XXXX XXXX Account. On XX/XX/XXXX  is when I agreed to the transaction to use my XXXX XXXX Account funds. On XX/XX/XXXX  a payment of {$700.00} was submitted pay off the remainder of the loan. They informed me that the remaining money would be released in my MoneyLion Account within 2-3 business days. 3 days later I log into my Account to see if they released my money to me & noticed that they charged me {$95.00} on the XXXX of XX/XX/XXXX   after I had already paid the loan off. I contacted them and ask why the loan went from payed off to being a payment short and they said the payment of {$95.00} on XX/XX/XXXX   was sent back to me. I told them that the payment shows that it went through they asked me to provide a bank statement to prove the transaction went through I told them I could not provide the statement because I hadn't received it from my bank yet. They told me when I receive the statement to contact them. When I got the Statement showing the payment was successful I contacted Moneylion Customer Service and was told to send the statement and it would be investigated the lady told me to give her 1-2 hours to investigate the situation and she would get back to me. I waited all day and nothing. She never contacted me back i then called Moneylion Customer Service Team again and asked to speak with a supervisor and when I was transferred to the supervisor I told him what was happening and he informed me that even with the bank statement proving I made the payment it still didn't matter because the Payment I made on the XXXX of XXXX was declined for insufficient funds. Which my bank statement shows is a lie because I made a payment of {$150.00} to them with the very next transaction and it went through. I have all the Evidence to prove all of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
XXXXI am filing a formal complaint against Equifax for reporting several charge-off accounts and hard inquiries on my credit report that I do not recognize, did not authorize, and do not belong to me. I have previously attempted to resolve this matter without success, and I am now requesting a formal investigation under the Fair Credit Reporting Act (FCRA).XXXXCharge-off accounts I am disputing: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 XXXXUnauthorized hard inquiriesXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts and inquiries were not opened or authorized by me, and since they are not verifiable, they must be removed immediately in accordance with the FCRA. I have attached proof of my identity and current address. I am requesting that Equifax conduct a thorough investigation and remove any unverifiable or inaccurate information from my credit file.\n\nThank you for your time and assistance.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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 non-monetary relief
Consumer complaint received 2025-05-19 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: MO

Complaint narrative:
that contain serious reporting errors. Below is a concise timeline of what occurred for each account, including dates, dollar figures, and what Ior the companieshave done to date.

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