vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
Please help me create a dispute letter for civil liability negligence noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TN

Complaint narrative:
I am trying to get a copy of the signed contract my roommate got a loan in my name and this is reporting on my credit and I even called to pay it off and did trying to do the right thing but I wasn't responsible and I'm asking for a copy of the contract for legal reasons and credit report and reasons.

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 2025-04-10 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: CA

Complaint narrative:
I noticed several unauthorized hard inquiries on my TransUnion credit report that I did not initiate or consent to. I did not apply for credit with any of the companies listed below. Upon noticing this suspicious activity, I submitted a fraud dispute to TransUnion along with the required documentation, including a copy of my government-issued ID, Social Security card , and a police report. 

Despite this, TransUnion has only responded stating they would challenge the inquiries, rather than remove them, even though under the Fair Credit Reporting Act ( FCRA ), any unauthorized inquiries must be removed. 

The fraudulent inquiries in question are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries are impacting my credit score and ability to access credit. I am asking the CFPB to intervene and ensure TransUnion removes these unauthorized inquiries and provides written confirmation.

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 2025-04-10 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NC

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

Company 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report that I recently received from Experian, Equifax, and TransUnion. Upon reviewing the report, I noticed several late payments that are incorrect, fraudulent activity, accounts that are open that should have been closed and removed. 
XXXX. XXXX XXXX  - This account is closed, and the loan was paid off. It also shows as negative item on my credit report and I was never late on payment. This needs to be removed from my credit report. XXXX. XXXX XXXX - This account is also closed and paid off. Its shows late payment on my credit report and I was never late on payment. 
XXXX. Department of EducationXXXX XXXX My loans were included in my XXXX  XXXX bankruptcy and should be removed from my account. I was never late on my payments, XXXX. XXXX - This account reflects fraudulent activity ; I have never taken out a loan with them. I want to emphasize that I have never been late on any of these accounts. 

Therefore, I request documentation proving that I was late on these accounts to support your inaccurate reporting. If you can not provide this evidence, I ask that you delete these alleged late payments from my credit report in accordance with 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b, the permissible purpose of consumer reports states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not provide you with written instructions to report this information on my credit report. Furthermore, the Fair Credit Reporting Act ( 15 USC 1681 ) states the following regarding exclusions from a consumer credit report : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Given these points, I demand that you delete the aforementioned late payments from my consumer report. Failure to respond satisfactorily with the deletion of the referenced accounts, and sending me a free copy of my report after the changes have been made, will result in legal actions against your company. I will also be seeking {$1000.00} per violation for the following : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-04-10 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: AL

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I submitted a dispute to TransUnion, XXXX and XXXX regarding a breach of contract under the Family Educational Rights and Privacy Act ( FERPA ). In my dispute, I requested the deletion of all student loan accounts that have been affected by this breach, specifically those associated with the lenders XXXX and XXXX XXXX. 

TransUnion responded to my dispute, stating that they conducted an investigation and found the information to be accurate, thereby denying my request. However, I believe this decision overlooks a significant breach of contract concerning the handling and reporting of my student loan accounts, which are governed by FERPA protections. 

I also submitted a similar dispute to XXXX, and they were able to successfully resolve the matter. This further supports my position that the accounts in question should not remain on my credit report. 

I am seeking further review and action regarding this matter, as my rights under FERPA have not been appropriately upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I deposited a check XX/XX/year> into my citizens checking account. The check at that time put a 10 day hold on it. It was cleared and the funds were accessible until last week which the bank decided to place the check on hold illegally. This action cost me my apartment and living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from 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
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-10 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that 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 2025-04-10 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-10 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I submitted a dispute to TransUnion, XXXX and XXXX regarding a breach of contract under the Family Educational Rights and Privacy Act ( FERPA ). In my dispute, I requested the deletion of all student loan accounts that have been affected by this breach, specifically those associated with the lenders XXXX and XXXX XXXX. 

TransUnion responded to my dispute, stating that they conducted an investigation and found the information to be accurate, thereby denying my request. However, I believe this decision overlooks a significant breach of contract concerning the handling and reporting of my student loan accounts, which are governed by FERPA protections. 

I also submitted a similar dispute to XXXX, and they were able to successfully resolve the matter. This further supports my position that the accounts in question should not remain on my credit report. 

I am seeking further review and action regarding this matter, as my rights under FERPA have not been appropriately upheld.

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 2025-04-10 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: TX

Complaint narrative:
XXXX XXXX XXXX, is trying to collect money and trying to scam me to pay an account I have knowledge of. I HAVE ASK THEM to stop harassing me XXXX calling about a debt I don't owe. But they still continue to harassing me and making threatened statement. Like your going to get fire from your job and we will mess up your credit. I don't know what kind of employees these people hire but like attack dogs. And it's mentally draining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Lincoln Financial Services
State: NY

Complaint narrative:
b'I have a retirement fund with Lincoln financial. I requested that some of my funds rolled over to a different retirement account that I have.  I completed the form and signed the docusign form that was requested by Lincoln on XXXX. My employer verified that I am vested and over XXXX XXXX. There is a third party that reviews this.  It has been under review since XXXX. My employer reached out to them again to see whats taking so long.  No response.  I called Lincoln myself today XXXX.  I was told its still under review and they are only allowed to contact the "third party" once a day and they have no phone number.  Also I am charged a fee of XXXX for this review. \nI asked if I can escalate this with Lincoln and I was told it wouldn\'t make any difference.  There is nothing they can do until the third party reviews this.  This is very frustrating.  I did my part and Lincoln is holding my money from me.  I need assistance please.'

Company response to consumer: Untimely response
Consumer complaint received 2025-04-10 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX

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