vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, I was reviewing my credit report and noticed some adverse and inaccurate personal information. this information is causing adverse situations for my current and future credibility and creditworthiness. In an effort to resolve this issue. On XX/XX/year>, I reached out to Experian via telephone concerning this issue and asked them to please remove it from my credit report immediately! This adverse information is currently showing on my credit report and it's hurting my overall credit worthiness and score. The current personal information being reported by Experian on my credit report is in accurate and I have never lived at the stated address which they are including in my Experian credit report

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 2025-04-21 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: FL

Complaint narrative:
I am writing to address an auto loan account I had with XXXX XXXX which I had to return to the bank in XXXX  due to serious health issues. During that time, it was impossible for me to continue making payments, and as a result, I returned the vehicle and the account was closed. 

At this time, I am not disputing the debt, as according to federal law, this account should have been removed from my credit report after the 7-year period. I have noticed that while this account appears as closed on my XXXX  and XXXX  credit reports, it is still being reported as open on my Equifax report. 

I kindly request that you review this matter and proceed with the removal of the account from my Equifax credit report in accordance with the applicable federal laws. 

Thank you in advance for your attention to this matter. I trust this issue will be resolved promptly and in compliance with the law. Please feel free to contact me if you require any further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I am writing to address an auto loan account I had with XXXX XXXX which I had to return to the bank in XXXX  due to serious health issues. During that time, it was impossible for me to continue making payments, and as a result, I returned the vehicle and the account was closed. 

At this time, I am not disputing the debt, as according to federal law, this account should have been removed from my credit report after the 7-year period. I have noticed that while this account appears as closed on my XXXX and TransUnion credit reports, it is still being reported as open on my XXXX  report.

I kindly request that you review this matter and proceed with the removal of the account from my XXXX  credit report in accordance with the applicable federal laws. 

Thank you in advance for your attention to this matter. I trust this issue will be resolved promptly and in compliance with the law. Please feel free to contact me if you require any further 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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I logged into my account ( I have a checkings, savings and credit card with the same bank ) and saw a tagline that my credit card had been closed and to contact them for additional info. I called and the operator confirmed the credit card account had been closed. Said I could reopen it and asked for my social security number. Before disclosing my social security number, I asked if they would be running a credit check to reopen the account. She said no. Shortly after she asked for permission to run a credit check, saying that was the only way they could reopen the account. This is what I had expressly asked if it was needed, as it would negatively affect my credit score. 

I also asked why the account had been closed without notification. She said a letter had been mailed on XX/XX/XXXX ( takes XXXX business days to arrive ) notifying me the account had been closed. But they said they didn't mail anything prior to the closing. The best they could do was submit a complaint to " improve the process '' for other customers going further, but no remediation for my issue. 

I then asked to receive something in writing with the policy about running a credit check to reopen the account, to see what kind for credit check would be run, and so I could have evidence that the card would be re-opened with the previous credit history I had accumulated and not that it would show up in my credit report as a new account. She said she could not send me anything in writing. I had to say yes over the phone, based on their word. 

I do not have a negative credit history with the bank, nor with any other bank. I have a great credit score and they are negatively impacting my ability to maintain that good history with their arbitrary closing of the account without prior notification.

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 2025-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I had an outstanding balance with Ally for XXXX. I got a discount of 59.46 %, bringing the balance to {$3700.00}. I had two payments of {$1800.00} arranged for XX/XX/XXXX and XX/XX/XXXX to settle the debt out. This settlement was in XXXX and white and agreed upon. I make a call to Ally on XX/XX/XXXX to check on my account because it still on my credit with an outstanding balance, which should have been reported on the XXXX of every month. When I call they say that my account got transferred to a third party agency ( which is also illegal ) and did so after the settlement has already been agreed upon and in affect. So basically Ally took my money and has not and is not trying to settle my account. This company has illegal reported discrepancies on my credit, that is not true and is illegal to do and nothing has happened even after reported them and the CPFB allowing and seeing all that theyre doing to my account and credit. This is totally illegal and theyre being allowed to get away with this. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-04-21 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

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 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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-21 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: WV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
Known credit data breach involving all of my private financial information being compromised from all 3 Credit Bureaus violating my rights to privacy under 15 USC & 1681 and the request to remove all unauthorized, inaccurate, and outdated negative marks, hard inquires, and all derogatory information listed on my credit report as well which negatively impacts my credit profile which does not reflect accurate or fair reporting under the Fair Credit Act or the Fair Debt Collection Practices Act. 

How it started Date fraud began : Amount I was asked for : Amount I Paid : XX/XX/year> Payment Used : How I was contacted : Other Details about the company, business, or individual Company/Person Name : Transunion, Equifax, and XXXX Address Line XXXX : Address Line XXXX : City : State : Zip Code : Country : Email Address : Phone : Website : Name of Person You Dealt With : 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 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
XXXX my Ussa account was closed because they said a fraudulent check was placed in my account. When I tried to provide proof that it wasnt me they closed my account without speaking with me

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 2025-04-21 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: MD

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 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 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
using unemployment insurance, insurance is not paying the entire amount of payment, is not making payment when the loan payment is due causing excessive calls and additional fees to loan,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-21 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: AR

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 2025-04-21 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:
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 explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I have requested for the repossession report of a vehicle to be removed from my report. I turned the vehicle in to the creditor due to there being a major recall issued by XXXX on the vehicle that XXXX at the moment and for the 4 months prior to having to return the vehicle had no specified date moving forward with repairs on the recall. My vehicle was rendered inoperable due to the recall. I attempted to work with XXXX as well the financing company which is XXXX XXXX of the vehicle which I am also registering a complaint against. I was informed due to the nature of the situation that the details were well documented and it would not affect my credit and would not be reported negatively, even though under the circumstances I had to surrender the vehicle. As there was no options for repair on the financed vehicle. The creditor has reported it on my credit as a derogatory event. 

I have also requested the transcripts of the numerous conversations I have with XXXX XXXX for documentation of which they have denied.

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 2025-04-21 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: GA

Complaint narrative:
I have requested for the repossession report of a vehicle to be removed from my report. I turned the vehicle in to the creditor due to there being a major recall issued by XXXX on the vehicle that XXXX at the moment and for the 4 months prior to having to return the vehicle had no specified date moving forward with repairs on the recall. My vehicle was rendered inoperable due to the recall. I attempted to work with XXXX as well the financing company which is XXXX XXXX of the vehicle which I am also registering a complaint against. I was informed due to the nature of the situation that the details were well documented and it would not affect my credit and would not be reported negatively, even though under the circumstances I had to surrender the vehicle. As there was no options for repair on the financed vehicle. The creditor has reported it on my credit as a derogatory event. 

I have also requested the transcripts of the numerous conversations I have with XXXX XXXX for documentation of which they have denied.

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 2025-04-21 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:
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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion did not conduct a proper investigation into an alleged debt owed to XXXX XXXX XXXX. XXXX XXXX XXXX failed to provide all documentation requested including a forward flow agreement within the allowable timeframe by law by XXXX XXXX, 2025. Transunion initially removed the collection and then subsequently placed it back on my credit report on XXXX XXXX 2025, knowingly and willingly after initial investigation was completed and documentation provided by me via certified letter. TransUnion failed to properly conduct a an investigation and falsified the results allowing the collection to re-appear.

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 2025-04-21 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation