vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: HI

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Finacial Pratection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigationstions and other unlawful pratices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that may be mishandled in a simal manner.

Please review the inaccurate information being report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
What Happened : As of XX/XX/XXXX, the account with XXXX XXXXXXXX XXXX  XXXX. ( Account Number : XXXX ) is listed as disputed on my TransUnion Credit Report. The account shows an original balance of {$760.00}, with a reported 0 % balance as of XX/XX/XXXX. The account was opened on XX/XX/XXXX, but no payment history was updated beyond XX/XX/XXXX. I believe the information reported is inaccurate and is negatively impacting my credit score.

Actions taken by me : I disputed the accuracy of the reported information with TransUnion, requesting a review under 15 U.S.C. 1681e ( b ). 
I requested that TransUnion verify the account details and correct any errors in the report. 

Actions taken by the company : TransUnion acknowledged my dispute, but the error remains unresolved as of now, continuing to negatively impact my credit score.

Fair Resolution : 1. Correction of the Inaccurate Information : The account should be corrected to accurately reflect the balance and payment history. If there are any discrepancies in the reported status or payment details, they should be updated to match the true information.

2. Investigation and Validation : TransUnion should conduct a thorough investigation of the account with XXXX XXXXXXXX XXXX  XXXX. to validate the details and ensure accuracy. If the information can not be verified, it should be updated or removed from my credit report. 
3. Removal of Negative Impact : If any inaccurate or unverified information is affecting my credit score, I request that it be removed or corrected. This includes any misleading status reports that negatively impact my creditworthiness.

4. Written Confirmation : Once the necessary corrections have been made, I request written confirmation from TransUnion and XXXX XXXX XXXX  XXXX, including a revised credit report showing the updated, accurate information. 
5. Compensation for Damages : If this issue has caused significant harm, such as a lower credit score or denied credit applications, I request compensation for any damages resulting from the incorrect 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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/year> I was the victim of a sophisticated scam involving my Chime account. The scam began with a phishing text claiming that there was suspicious activity on my Chime account in XXXX, XXXX. There was no actual attempted charge it was a manipulation tactic to make the scam more convincing. 

Shortly after, I received two calls from XXXX official customer service number. The person on the call claimed to be a Chime representative and stated that there was suspicious activity on my account that required immediate action. 

During the call, the scammer : Remotely closed my Chime credit builder and savings accounts without my consent. 
Instructed me to transfer {$2600.00} to a new Chime account number, which I later discovered was actually a phone number. 

I immediately reported the incident to Chime on the same day XX/XX/year>. Despite the clear evidence of fraud and unauthorized account activity, Chime denied my claim and stated that they found no errors or evidence of remote access on their end. 

Violation of EFTA ( Regulation E ) : Under the Electronic Fund Transfer Act ( EFTA ) ( Regulation E ), Chime is required to : Investigate and resolve unauthorized transfers within 10 business days. 
Protect customers from fraudulent electronic fund transfers. 
Prevent unauthorized account activity, such as the remote closure of my accounts without my consent. 

The scam involved direct impersonation of XXXX customer service, remote account access, and misrepresentation which makes this an unauthorized transaction under EFTA. Since I was misled into transferring funds under false pretenses, Chimes refusal to reverse the transaction and investigate the breach constitutes a failure to meet their obligations under EFTA. 

Additionally, the fact that the scammer was able to close my accounts remotely suggests a potential breach or spoofing issue on Chimes end that has not been addressed. 

XXXX XXXX of the Issue : When I reported the incident to Chime, the customer service agent acknowledged that they had been having problems with similar issues. This shows that Chime was aware of this scam pattern but failed to implement adequate fraud detection and customer protection measures to prevent it. Despite knowing about this vulnerability, Chime allowed my accounts to be remotely closed and funds to be misdirected under false pretenses a clear failure of their fraud prevention systems and a violation of their obligations under EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This debt was charged off and reported to the IRS as bad debt and I never received any notice or a 1099.

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 2025-03-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX  XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX  XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX  XXXX {$730.00} XX/XX/XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX {$430.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX  XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX  XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX  XXXX {$730.00} XX/XX/XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX {$430.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to formally dispute an erroneous entry on my credit report that was made by the Experian without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported to credit reporting agencies is accurate, complete, and verifiable. Since I did not authorize this reporting nor was I notified in accordance with the FCRA, I request that all negative items be removed from my credit report immediately.

Please provide documentation supporting the basis for this reporting, including any consent I may have provided to allow this entry. If no such documentation exists, I request that you remove this negative information from my credit report. I would like my signature mailed to me from the exact company not a third party.

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 2025-03-16 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: Kikoff Inc.
State: IN

Complaint narrative:
I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-16 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: CA

Complaint narrative:
subject : Formal Dispute Regarding inaccurate Information on My CreditReport I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
My loan was transferred to Carrington mtg and all of the letters from Carrington was sent to another address that I lived in before buying that house that they took the loan over for. I never knew my loan was sold and what to do. I spoke to customer service and was promised that the late reporting for XX/XX/year> would be removed because it wasnt my fault. They never sent the request for removal to the credit bureau. I called abou this multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: AZ

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently 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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
i ask the company for debt validation because i have no clue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Nelnet, Inc.
State: IL

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/2025 ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. XXXX XXXX XXXX I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and explore legal remedies. 

Please contact me at [ your phone number ] or [ your email address ] with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation