vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XX/XX/scrub>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 2025-04-18 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: CA

Complaint narrative:
I requested a block of information from all three credit bureaus transunion XXXX and XXXX am now turning in all reuqeste dinformation for my block of infomration request to be granted under 605B of the credit fair rporting act i need it removed wihtin 7 days of recipet date due to law also the birthdays on the credit card appplications dont even macth my brithdate on my ID state ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
I requested a block of information from all three credit bureaus transunion XXXX and XXXX am now turning in all reuqeste dinformation for my block of infomration request to be granted under 605B of the credit fair rporting act i need it removed wihtin 7 days of recipet date due to law also the birthdays on the credit card appplications dont even macth my brithdate on my ID state ID

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 2025-04-18 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: SC

Complaint narrative:
The following accounts are not mine and are do to identity theft and did not have permission to access my person information : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a CD with Captial One, matured on XX/XX/XXXX after which there're 10 days I can change or it automatically renew, I did sign on web console to close CD and move money to my saving account, THE WEB CONSOLE DID NOT GIVE ANY WARNING OR ERROR, I believe it was successfully, until a few days later found out it's auto renew and 10 days already passed. 

I called CapitalONe customer service, was told that THERE IS NO OPTION TO CLOSE CD ONLINE!!! 

Now I believe CapitalOne intentionally design this web console to MISLEAD AND TRAP USER into auto renew!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My former landlord tried to charge me for things I did not owe, along with falsely misrepresenting my deposit amount. I sued them in small claims court in XXXX XXXX, CA. I won a judgement in my favor in XX/XX/year> ( XXXX ), which shows that I did not owe the debt claimed by National Credit Systems , Inc . I had already fought this with them before filing my lawsuit and they only yelled at me that I was in no position to be demanding anything ( from XXXX XXXX XXXX, NCS ). I notified them on XX/XX/year> of the judgement of XX/XX/year> by certified mail and asked them to remove this debt completely from their records as well as notifying credit bureaus that this false debt should be removed from my credit rating. They did none of this. I had to contact each credit bureau and TransUnion is still unwilling to remove this debt from my records stating that National Credit Systems Inc has confirmed the debt. It's a little crazy that I did nothing wrong, that a Judge concluded the same and gave me a judgement saying so, yet National Credit Systems does nothing to rectify this very harmful mark against my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I HAVE BEEN RECIEVING CALLS CONCERNING PAYMENTS. I HAVE ASKED TOYOTA FINANCIAL SEVERAL TIMES TO NOT CALL ME ALL DAY CONCERNING PAYMENTS. THIS CAR WAS PURCHASED BY ME A LEXUS FINANCIAL AND SOLD TO TOYOTA FINANCIAL SERVICES WITHOUT MY PERMISSION. SINCE I HAVE MADE SEVERAL EMERGENCY REPAIRS WITH LARGE AMOUNTS THAT RANGE FROM XXXX DOLLARS TO XXXX REPAIRS SEVERAL TIMES IN WHICH CAUSES ME TO FALL BEHIND AT TIMES ... IVE STARTED RECEIVING 5 CALLS A DAY AFTER ASKING AGENTS PLEASE DO NOT CALL ME ALL DAY.... AAND THE CALLS HAS INTESIFIED EVEN WHEN PAYEMENTS HAS BEEN MADE AFTER THE CALLS HAS BEEN ANSWERED AND PAID..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department o Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial dataset that contains the personal information of millions of enrolled in the federal student aid program. My information among that dataset that has been compromised. of that information details about may students loans adding up to were exposed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony bank closed my account before I made my XXXX payment at the end of XXXX. When I tried to get gas this evening it said the card was declined due to inactivity. They acknowledged my payment for XXXX but it should have been less than {$68.00} after making the XXXX payment. They closed the account on XXXX XXXX I think and I made XXXX {$100.00} payments since then. When I called they said to call XXXX so I did. XXXX told me to call XXXX  and I did. That's how I just found out the account was closed and they said I still owed {$160.00}. My credit score went up and down from good to fair between XXXX and the beginning of this month ( XXXX ). I also was issued a Credit Card for XXXX XXXX XXXX which I disposed of without ever accepting it. I guess that's another story. My XXXX XXXX issued another Cash/Debit card in XXXX because my car payment was hijacked somewhere in XXXX or XXXX and I have yet to figure out that out. That's with XXXX and I am not happy with them at all. I think that's probably the bigger problem. I tried working with them and all they want is for me to pay XXXX payments along with late fees and penalties. I've paid monthly car payments of almost XXXX ( XXXX ) years now and somebody robbed me somewhere without my knowledge.

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 2025-04-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Financial Asset Management Systems Inc
State: FL

Complaint narrative:
b"I was informed by our receptionist that there was a man who called for me. He was asking for me personally. She informed him that I was unavailable and asked him for a callback number. She informed me that she asked for the callback number because on the caller ID, it showed only XXXX. About 30 minutes later, I received a phone call to my cellphone with a phone number that was similar to the one provided by the man. It was a woman who said she needed to speak with me regarding personal business provided by their client. I asked her who she was and where she was calling from and she gave me the company name, Financial Asset Management Systems Inc. When I asked her what business they deal with, she wouldn't tell me. She told me to XXXX  them while on the phone with her. When I asked her to explain to me, she refused to answer and continued to insist I XXXX  the company. She then asked me to confirm my birthdate to provide me more information. When I asked her what the phone call was in reference to, she told me she could only tell me once I provided my birthdate. I refused to provide it to her because I did not know her. When I asked again for the reason behind the phone call, she insisted I provide her my birthdate. I continued to refuse until she told me what she was calling about. She continued to insist I provide my birthdate. She told me that she had access to my birthdate already and that I needed to confirm it. I refused again and informed her that if she had it, then she didn't need me to say it out loud. I informed her that I was at work and that I did not have time to continue to speak with her and I hung up.\n\nAfter looking through my call records on my cellphone, they have called me 4 times in less than 24 hours. I am unable to determine how many times they called my job outside of speaking with my receptionist because a log is not available. \n\nPhone Numbers Associated:\nXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
Recently filed unauthorized transactions and they will not credit the money back. That made me get a new card and everything but said that I couldn't get refunded.cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-18 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

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 2025-04-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
See attached, Experian has already removed this on time as they always do. The only bureaus I have issues with are you when it comes to getting anything resolved! XXXX XXXX works faster than you too. I rarely have any disputes with them, just you because you don't do your jobs. I wouldn't waste time sending that letter you love to send out claiming not to know who I am. I found out recently that the reason you've stopped addressing disputes is because the FTC no longer sits in your office making sure you do your jobs. But you shouldn't get too comfortable or happy because if this remains on my credit especially since it's expired I will contact my XXXX XXXX XXXX to get the ball rolling with whomever is now over seeing this agency and the FCRA laws, to report you for failing to handle disputes or keep accurate information on my credit. I'm so glad XXXX is in office again! Because now things will change! Shutting down the CFPB was a great 1st step! But you can bet I'll also send this to the FTC if I get one of those stupid letters instead of action. I'm relentless, determined and unwavering. I'll make sure your name is at the top of the list to be next to investigate with the DOJ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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