vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
Dates and amounts : XXXX XXXX XXXX {$20000.00} ( Personal loan opened with XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX {$1600.00} ( Mobile Phone with XXXX ) XXXX XXXX XXXX XXXX {$960.00} ( XXXX XXXX XXXX account ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Account ) XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX ) XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of everything stated above. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, Bank of America closed my account with no notice, no warning, no email, and no reason. I found out only when I couldnt use my card. At the branch, staff said a contract issue, but gave no documents or explanation. My funds are being held for weeks without a specific date or access. This happened right after I had a medical procedure ( ESI ), leaving me with {$0.00} cash. This is causing severe hardship. I recorded the branch denying my right to documents. I request immediate help, a written explanation, and my funds released.

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 2025-05-06 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: AZ

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 explanation
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I received communication from XXXX XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within five ( 5 ) days of that initial contact.

I did not receive that written notice. As a result, I was not informed of the amount of the de
bt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law.

Despite this failure, they have proceeded to report this debt to one or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the XXXX notice requirement, their reporting and collection activity is 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I received communication from XXXX XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within five ( 5 ) days of that initial contact.

I did not receive that written notice. As a result, I was not informed of the amount of the de
bt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law.

Despite this failure, they have proceeded to report this debt to one or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the XXXX notice requirement, their reporting and collection activity is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-06 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: MO

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 explanation
Consumer complaint received 2025-05-06 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Company : TD Bank, N.A. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount in Dispute : {$4700.00} Description of Problem : After closing my account on XX/XX/2025, TD Bank : XXXX. Allegedly mailed checks on XX/XX/XXXX and XX/XX/2025, but provided XXXX proof of mailing/delivery. 
XXXX. Refused to : * Share canceled check copies perRegulation CC * Investigate errors as required byRegulation E 3. Forced me to borrow {$4700.00} from friends to cover basic needs, causing reputational harm and emotional distress. 

Legal Violations : 1. 12 CFR 1005.11 ( Regulation E ) : Failure to resolve errors within 10 business days 2. CA Civil Code 1719 ( b ) : No reissuance within 30 days of first failed mailing 3. CA Civil Code 1780 ( a ) ( 3 ) ( CLRA ) : Unfair debt collection practices causing financial duress Financial & Emotional Harm : * Debt Shaming : Had to disclose personal crisis to friends to secure loans * Credit Risks : Potential late fees on other obligations due to cashflow disruption * Emotional Distress : Anxiety from 60+ days of unresolved bank negligence

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-05-06 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: GA

Complaint narrative:
Subject : Request for Review and Removal of Inaccurate XXXX XXXX  Bankruptcy Reporting Dear Consumer Financial Protection Bureau, I am writing to formally dispute the continued reporting of a XXXX XXXX bankruptcy on my credit file and request your assistance in resolving this matter. 

On XX/XX/year>, Experian advised in their response to my dispute that I have the right to contact the original source of the information. They stated that the reporting entity certified the information as accurate and therefore did not update or remove the item from my credit report. 

However, there are significant discrepancies that I believe warrant further investigation : Incorrect Name Spelling : My legal name, as listed on federal documents including my bankruptcy filing, is XXXX XXXX XXXX XXXX After submitting valid identificationincluding a copy of my drivers license and proof of addressto all three credit bureaus, my name was incorrectly updated to XXXX XXXX XXXX XXXX This change does not match the official court documents associated with the bankruptcy filing, which raises questions about the accuracy of the reporting. 

XXXX XXXX Bankruptcy Reporting : I submitted a written request to remove the XXXX XXXX bankruptcy based on the incorrect association with my current name across all three credit bureaus. Additionally, I opted out of unverified third-party data sources and included supporting letters from XXXX dated XX/XX/year>. These letters further support my claim that the information being reported may not be verifiable or correctly attributed.

Given these inconsistencies, I respectfully request that the CFPB review the documentation I have provided and assist in the removal of this inaccurate bankruptcy record from my credit reports. I have uploaded the relevant documents for your review.

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My information have been in numerous data breaches and my information has been exposed to fraudulent activities. I have found numerous accounts and addresses on my credit report that do not belong to me. I would like them to be removed from all credit bureau and verification agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
My information have been in numerous data breaches and my information has been exposed to fraudulent activities. I have found numerous accounts and addresses on my credit report that do not belong to me. I would like them to be removed from all credit bureau and verification agencies.

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 2025-05-06 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an XXXX order to abolish the XXXX Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

XXXX XXXX XXXX  Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided. 

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

- Written confirmation that you will cease reporting this unverified debt to credit bureaus. 

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
To whom it may concern, for a few months now I have been dealing with problems regarding my information on credit cards I have. I ONLY have XXXX open accounts open I have personally made. A few months back I noticed I had a XXXX dollar transaction on my XXXX XXXX that I did not make. I called it in and turns out someone got access to my XXXX account. I asked the customer care providers to please alert me next time there was any changes. Few months passed and again they called and tried changing my info. So someone is giving my information to access these things. Same thing happened to my XXXX XXXX account someone tried changing the contact number but failed because the XXXX time verification code wasnt given, because again the code would directly come to me. So they tried there. And long the way its been a few other times that they tried yet again with my XXXX XXXX which I think is ridiculous. You would think theyd have better security system knowing all the attempts made in the past. So going back to the most recent time, I recently received a letter from target letting me know that unfortunately I was denied credit and thank you for applying which was odd because that was not me. So I went on to my XXXX XXXX app to check up on my credit history and saw all these inquiries that I did not make. I was shocked to see the many attempts to open credit. I know for a fact that someone has my information and giving out my number/ address and are obviously being granted access which is a violation of my privacy. I have also made a police report and have a credit monitoring. If there is anything I can help with Im more than welcome to help. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed that were unauthorized credit checks from different companies attempting to obtain credit in my personal name. This started in XX/XX/year> until present. I have submitted and identity theft report to the FTC and currently mailing certified letter to Experian, Equifax and Transunion to remove these unauthorized inquiries from 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 explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have been paying on this loan for the past XXXX, roughly I payed over XXXX dollars on a XXXX dollar loan .earlier this year my job cut down on the amount of overtime and me developing XXXX in my XXXX XXXX XXXX XXXX XXXX XXXX so my car got repossessed, I called the loan company and ask them to sell the car and I will make payments arrangement to pay the amount I can pay every month towards the the balance they said ok only to find out that they keep adding money onto the balance of the loan to the credit bureau and I just found out that the car dealership conspire with Westlake finance to charge me a higher interest rate.im wondering how can you repossess the car sold it but keep reporting it to the credit bureau as if its a late payment, and I have XXXX XXXX XXXX everyday while Im at my job at late nights, early in the morning .simpler harassing me every day for the XXXX weeks and putting me in danger of losing my nod.

Company response to consumer: Closed with explanation