vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: OK

Complaint narrative:
On the day of XX/XX/XXXX My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects The confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
On the day of XX/XX/XXXX The Privacy Act of XXXX was also violated The Privacy Act of XXXX was created to protect individuals from unwarranted invasions of their privacy by federal agencies. It also established a code of " fair information practices '' to govern how agencies collect, maintain, and use personal information.

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 2025-02-11 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: TN

Complaint narrative:
I am submitting a formal complaint against Equifax for their failure to properly investigate disputes regarding inaccuracies on my credit report. Despite my numerous submissions, Equifax consistently responds within 24 hours asserting that the account is accurate, but they fail to provide any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), as indicated in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This issue has been highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I urge the CFPB to take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of their investigations. It is vital for consumer protection and the integrity of our financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Credit Reporting. It is virtually impossible to speak to a live person regarding my issue. On XX/XX/year>, my credit score increased by XXXX points. On XX/XX/year>, it decreased by XXXX points despite all my bills having a XXXX balance and a decrease in all my active accounts. There is no reasoning for the decrease. My credit score with XXXX and transunion is XXXX. With Experian it dropped to XXXX. I get alerts that a large deposit was made to XXXX of my bank accounts. It is my paycheck getting deposited. Experian is a very confusing credit reporting agency and i would like to see them adopt a model inline with the other reporting agencies. It is so frustrating not to be able to reach a live person. The customer service at Experian is absolutely the worst.

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 2025-02-11 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: MI

Complaint narrative:
Transunion has allowed a debt collector to place a collection on my report for XXXX XXXX. 
I have tried to dispute this with Transunion, but they refuse to do anything about it. 
I have stated several times I have never had XXXX XXXX XXXX  and the last time I had any XXXX XXXX XXXX  was XXXX and have not had it since. I am appalled at the fact Transunion allowed this to be added against me with NO PROOF OF DEBT being given for it. I challenged this debt because I know for certain there is no proof because I have not had those services, nor did I ever order any. Now I do not know if my ex wife attempted to open anything after our divorce with XXXX XXXX but I never did and she is not my problem anymore.

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 2025-02-11 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: MD

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-11 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-11 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi good afternoon I have a issue with a transaction on my account I need to dispute a transaction that occurred on XX/XX/year> Ive been attempting to resolve this issue with merchant But merchant is unable to assist in this matter Ive filed a complaint with better business bureau but that left me no where Now XXXX just going to dispute the transaction I explained to XXXX customer support I didnt receive the item XXXX XXXX XXXX I was told to submit a incident report to it could be investigated XXXX refuses to help me Im left without my money and no product Im now reaching out to Bank of America via consumer finance protection bureau So someone from BofA claims department submits a claim on my behalf Customer is requesting a chargeback to be submitted for transaction that occurred on XX/XX/year> {$190.00} Transaction name : 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 monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Radius Global Solutions called me from XXXX XXXX, FL, to collect a medical debt from XXXX XXXX. I paid, over the phone using a credit card, the full amount of {$110.00} on XX/XX/year>. REFRENCE # XXXX XXXX XXXX XXXX. Since XX/XX/year>, ive made repeated near daily calls to receive a proof of payment letter or receipt. I've supplied XXXX different email addresses and XXXX different physical addresses and have not received any communication. Yesterday after waiting on hold over XXXX minutes, they hung up on me. I'm afraid I am out of options at this point.

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 2025-02-11 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: MD

Complaint narrative:
These hard inquiries were UNAUTHORIZED and I am victim identity theft : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. Please remove these hard inquiries from my credit report immediately!!

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 2025-02-11 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: MD

Complaint narrative:
These hard inquiries were UNAUTHORIZED and I am victim identity theft : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. Please remove these hard inquiries from my credit report immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MI

Complaint narrative:
I recently received a copy of my credit report and noticed that the information it contains is inaccurate and incomplete name and address. 
This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 
I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.

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 2025-02-11 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within XXXX  days. Supporting documents are included for your consideration.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, I hope this message finds you well. 

I am writing to bring to your attention an issue I am facing due to a nationwide cyber attack that affected my bank on XX/XX/XXXX. This incident caused delays in the processing of my payments, and I received a letter from XXXX acknowledging the situation and requesting that merchants take it into consideration. As a result, my payments were not released for approximately XXXX to XXXX  days. Although my XXXX payment to XXXX XXXX  was posted on XX/XX/XXXX, the disruption caused by the cyber attack has negatively impacted my credit report. 

This incident has been reported to all XXXX  credit bureaus, and I am seeking your assistance in rectifying this issue, as it was beyond my control. I kindly request the removal of the negative report related to XXXX. 

I would greatly appreciate any help you can provide in getting XXXX XXXX  to reverse the negative impact this situation has had on my credit history. For your reference, I have attached the relevant letters from my bank. 

Should you need any further information or have any questions, please do not hesitate to reach out. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts.

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 2025-02-11 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: GA

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts.

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 2025-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I purchased a 2025 XXXX XXXX from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/XXXX. My finance XXXX was XXXX XXXX. I filed for insurance online and showed XXXX XXXX XXXX policy, believing it started on XX/XX/year>. However, the actual start date was XX/XX/year>. XXXX did not ensure the vehicle was insured, allowing me to drive off with an uninsured car. On XX/XX/year>, my vehicle was vandalized, and when I filed a claim with XXXX, I learned they would not cover the damage due to the policy not being effective until XX/XX/XXXX. The claim number is XXXX. I have called the office multiple times for updates, but it's been over a week, leaving me without a vehicle and unable to work. I reached XXXX, the estimator at the collision center, who estimated repairs to exceed {$5000.00}, a cost I can not afford and should not be liable for, as this should fall on XXXX XXXX XXXX XXXX. XXXX was unhelpful when I spoke with him on XX/XX/XXXX, blaming me for the situation. When I requested to speak with a higher authority, he hung up on me. This unprofessionalism and negligence have caused me significant financial hardship. I want to end my lease immediately and will not conduct further business with this dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

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 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 XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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