vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: IN

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. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: IN

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. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-04-05 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:
I called Transunion and spoke to XXXX, They stated that they could not assist me and to contact my credit card company ( XXXX ). I contacted XXXX at XXXX on XX/XX/XXXX credit card company and they stated that I made every payment and paid off my credit card as well. And my report from XXXX of XXXX this was corrected. 

I also contacted XXXX XXXX at XXXX which was reported by Transunion that I missed a payment. Again, I called the customer service line and XXXX was not able to guide or help me clear up the error.. And my report from XXXX of XXXX this was corrected. 

XXXX XXXX XXXXXXXX - Missed Payment- XXXX, XXXX, XXXX - XXXX Missed Payment - XXXX, XXXX, XXXX, XXXX, XXXX - XXXX Missed Payment - XXXX, XXXX, XXXX ( Amount {$2100.00} ) XXXX XXXX - XXXX - Missed payment on XXXX ( Amount {$5000.00} ) All payments were up to date on record for payment history on Transunion previously, not sure what might be going on but would like these correctly 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 2025-04-05 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: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 2025-04-05 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: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
Called direct express ssi card services to confirm assisted living deducted excessive unauthorized funds from my direct express card. Direct express rep blocked card and would not confirm XXXX XXXX assisted living deducted over {$2000.00} from my account. I'm unable to reach a live person to verify XXXX XXXX assisted living stole over {$2000.00} from my direct express ssi account since they blocked the card. Ssa said they have only the same phone numbers as i do and would not assist in helping me confirm who withdrew my funds. I need help contacting a direct express represenative or ssa to confirm my funds were illegally deducted by XXXX XXXX assisted living.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-05 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The abuse and illegal sharing and selling of my non-public, private, and sentative information, records have all been infringed upon by Navy Federal Credit Union. Navy Federal Credit Union has not only sold, shared my private information with XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, along with many other worldwide online sites. Navy Federal Credit Union has breached all privacy rights to privacy, they are performing abusively as you will see that they have also charged off this alledge debt over XXXX times and counting on my XXXX Credit report. A charge off means- profit and loss, this alleged debt was taken to the IRS XXXX a bad debt, wrote it off as a profit and loss and XXXX XXXX was compensated for the debt. As you will see that XXXX XXXX has continued to conspire wit XXXX, XXXX, XXXX etc. for years to continue to update, insert month after month even after the IRS has given them credit for the debt. This is tax evasion. XXXX XXXX XXXX XXXX did not provide me with a XXXX C have the debt was charge off as of 2020. The IRS cleared states the the creditor is supposed to send the consumer a XXXX form which allows the consumer to claim this debt as incomeon their taxes. The FCRA XXXX INCOME- CAN NOT be REPORTED on a CREDIT REPORT. NAVY FEDERAL CREDIT UNION AS THE CREDITOR IS IN VIOLATION of the FCRA. This is how I have been getting violated as the consumer for years. I am requesting a copy of the 1099C, on my consumer report it clearly states that NAVY FEDRAL CREDIT UNION has charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: GA

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 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 2025-04-05 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: CO

Complaint narrative:
I received XXXX letters from XXXX credit card companies telling me that they refused my application for a card. I called both to tell them I never submitted an application, as I already have both cards and they are in good standing. I was told that some one had stolen my social security number and that I should put a freeze and alert on my credit bureau reports. I did so. XXXX of them suggested I should file this report and send them a copy.

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 2025-04-05 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: PA

Complaint narrative:
This credit card is being reported as closed and chargeoff on my credit report with several discrepancies on all XXXX credit bureaus and account keeps coming back verified everytime i dispute it. It is agianst FCRA to be reporting innacurate information on my credit report., I have disputed this on several occasions and yoy are refusing to delete from my 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 2025-04-05 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: MOHELA
State: TX

Complaint narrative:
I changed the checking account used for XXXX on all XXXX Mohela-managed student loans in XXXX, XXXX. Mohela drafted XXXX loan and not the other XXXX. I cancelled the single XXXX loan and re-enrolled in XXXX XXXX for all XXXX loans in XXXX, XXXX. Mohela did not enroll my loans in XXXX XXXX in XXXX, XXXX. Their website showed XXXX XXXX would take effect in XXXX, XXXX. In XXXX, Mohela did not draft any amounts and instead posted that XXXX XXXX would take effect in XXXX, XXXX. This happened again in XXXX, XXXX and XXXX. As a result of my reliance on their claim that XXXX XXXX  would take effect, my payments for some of these months were late. In XXXX, XXXX, I complained to Mohela and received a response that XXXX XXXX takes XXXX billing cycles to take effect. It is now XXXX, XXXX, and my loans are still not automatically drafted and each month Mohela says it will take effect next month. Each month Mohela refuses to enroll me in XXXX XXXX is a month I do not get a .25 % interest rate reduction for having XXXX XXXX. Each month Mohela falsely claims XXXX XXXX will take effect and my payments are not drafted accordingly, if I pay late I do not get credit for on-time payments that apply to my public service student loan forgiveness. I demand Mohela complete my XXXX XXXX  enrollment, refund the .25 % I am owed for the reduction from XXXX, XXXX to present, and credit the XXXX late payments as on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple dispute letters to XXXX, Experian, and XXXX regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a XXXX-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple dispute letters to XXXX, Experian, and XXXX regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a XXXX-bureau comparison table. I would appreciate your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX, Experian a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ XX/XX/year> ], I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX XXXX XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX, Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, Experian they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-04-05 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: I.C. System, Inc.
State: LA

Complaint narrative:
Per 15 USC 1681i, you must verify data accuracy. If not licensed in Louisiana and without my written consent, you may not collect or access my info.

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 2025-04-05 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Per 15 USC 1681i, you must verify data accuracy. If not licensed in Louisiana and without my written consent, you may not collect or access my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX my checking account declined a payment for XXXX from XXXX XXXX A purchase I was unaware about, on XX/XX/XXXX at XXXX a charge from XXXX went XXXX for the amount of XXXX a charge that was unauthorized. Now XXXX out of XXXX dollars for a ticket I did not purchase or have access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello! Since my identity was stolen in XXXX last year, I have told Chase Bank, XXXX and XXXX XXXX that my credit card was stolen, and the amount above was not purchased by me. I have always had a very high credit, with a score of XXXX. Now, because of identity theft, the non-payment is reduced to more than XXXX points. I went to the bank, and the bank said it was an investigation, but after such a long investigation, I went to the bank XXXX or XXXX times, but I didn't get a complete result. And kept deducting money from my bank account to pay the credit card debt. Still deducting my credit score. Can't solve the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing concerning Experian, Equifax and Transunion 's failure to comply with the Consumer Financial Protection Bureau 's ( CFPB ) XX/XX/year>2025 rule, which became effective XX/XX/year>2025, regarding the prohibition of medical debts and collections on consumer credit reports. 

Despite my formal notification to these agencies about this regulatory change, they have refused to remove a medical collection from my credit report. This refusal constitutes a direct violation of current CFPB regulations, which explicitly state that medical debts and collections may no longer appear on consumer credit reports. 

I request immediate action to resolve this matter in accordance with current federal regulations. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief