vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern : Subject : Urgent Dispute : Multiple Fraudulent Accounts This letter serves as my formal and unequivocal dispute of two fraudulent accounts recently discovered on my credit report. I, XXXX XXXX, unequivocally state that I have no knowledge of these accounts, nor did I authorize their opening, any transactions, or any activity whatsoever associated with them. These accounts are fraudulent, inaccurate, and do not belong to me.

The accounts in question are : 1. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 2. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Upon a recent comprehensive review of my credit report, these specific fraudulent accounts were identified. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate and unverifiable information removed from my credit report. The presence of these unverified and unauthorized accounts on my report directly contradicts the FCRA 's mandate for maximum possible accuracy of information.

I demand a comprehensive and immediate reinvestigation into the origins and validity of both of these accounts. I expect and require the following actions : 1. Immediate and permanent deletion of both the XXXXXXXX XXXX XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) and the XXXX XXXX  account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) from my credit report. 

2. Detailed and verifiable proof from the original creditor or data furnisher that these accounts are legitimate and belong to me. This proof must go beyond a mere statement of verification and include original signed contracts or agreements bearing my signature. 

3. A clear explanation of the steps taken during your reinvestigation process, including any communication with the alleged data furnishers, and why these accounts were reported without my authorization. 

Be advised that I am sending this dispute letter to all three major credit bureaus ( XXXX XXXX, and TransUnion ). I expect prompt action and a definitive resolution to this matter. Failure to remove these demonstrably fraudulent accounts will leave me with no option but to escalate this issue further. This includes, but is not limited to, filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all available legal remedies to protect my credit and financial well-being. 

I look forward to your immediate attention to this critical matter and a swift resolution. 

Sincerely, 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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NJ

Complaint narrative:
U.S bank closed my account with no reasoning and has refused to release my funds and I need to pay rent

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Someone has been opening credit cards in my name this month, one yesterday, and one on the XXXX, but worse, they have logged into Experian under my personal information while using a different phone and email, though ones very similar to mine. So every time I try to access my account, I get as far as two-factor authentication, and then my verification codes get sent to someone other than me. And because Experian is entirely automated, I am unable to contact anyone who can directly help me with my problem. Their phone service dumps me out at either experian.com/help, or literally tells me it can't help me anymore and hangs up. And I can't really use the online help service either, because at a certain point it asks for a login.

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 2025-06-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after the investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please forward me an updated credit report after you have completed the re-investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

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 2025-06-19 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after the investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please forward me an updated credit report after you have completed the re-investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Subject : Demand for Investigation and Removal of Fraudulent Charge-Offs and 1099-C Violations To Whom It May Concern, I am writing to formally address and dispute significant discrepancies and questionable accounting practices reported by your institution. Upon evaluating your financial reporting in accordance with Generally Accepted Accounting Principles ( GAAP ) and reviewing my credit file and IRS filings, I believe your company has engaged in fraudulent and deceptive practices in violation of both credit reporting laws and IRS regulations.

Issues Identified : 1. Improper Charge-Off Reporting : The account listed under Account XXXX XXXX has been reported as a charge-off on my credit report. However, there is no legitimate documentation supporting the legal validity of this debt, nor any substantiated balance due that adheres to GAAP standards of revenue recognition and debt extinguishment.

2. Failure to Issue IRS Form 1099-C : Under IRS regulations , once a debt is discharged or deemed uncollectible and written off as a loss, a 1099-C Cancellation of Debt form is legally required to be issued to the debtor and the IRS. Your company has failed to issue this document, indicating that you may have claimed a loss for tax benefit purposes while continuing to collect or report the debt, a clear indication of deception and potential tax fraud.

3. Violation of GAAP and Misleading Accounting : By failing to reconcile the charge-off through proper debt forgiveness documentation and by continuing to list an extinguished liability on my credit profile, you have misrepresented your financial standing both to the IRS and to credit reporting agencies. This misreporting may constitute material fraud under GAAP and deceptive reporting practices under the Fair Credit Reporting Act ( FCRA ).

Demands : Immediate deletion of the fraudulent charge-off from all credit reporting agencies.

Issuance of IRS Form 1099-C, retroactive to the year the charge-off was recorded, in compliance with IRS tax law.

A written explanation detailing the accounting treatment of the charge-off and whether it was claimed as a loss or remains collectible.

Full documentation showing legal ownership, assignment, and validation of the alleged debt.

Failure to respond to this letter within XXXX business days will result in the filing of complaints with : The IRS Office of Professional Responsibility The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Inspector General ( OIG ) This matter is serious, and I expect full transparency and compliance with federal law and GAAP standards. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
MONTEREY COLLECTION SV is falsely reporting on my credit. I have never had any accounts with them. Per my research MONTEREY COLLECTION SV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IA

Complaint narrative:
This complaint is regarding my sons student loans with Firstmark Services, I am his co-signor. On XX/XX/year>, I began receiving email messages about the delinquency of the loans and that my XXXX XXXX had decreased significantly. My son received similar messages. On XX/XX/year>, I called XXXX to find out what was happening after researching payment history back to XX/XX/year>. All payments were made as scheduled. XXXX advised they had reported incorrectly and submitted corrections to the CRAs on XX/XX/year>. I requested a letter advising me of this error and the correction submission. They initially refused to send this to me by mail or through their own portal advising concern of a breach. I firmly requested and after holding, my request was granted. The letters arrived today via their portal, addressing 5 of the 6 loans. I do not know why the other loan was not included in the correspondence.

My concern is their disregard for the consumer and failure to acknowledge their error. I have worked in the financial business for 30+ years and when an error occurs, it was always acknowledged and a letter sent explaining what happened and what was done to correct said error. It shouldnt take the consumer/customer calling to find out why the credit score dropped and derogatory credit on the CRAs. My XXXX  has recently been XXXX with the XXXX XXXX and will soon be XXXX XXXX and returning to civilian life and looking for employment. This hit to his credit can severely impact his ability to obtain employment and obtain housing. 

I would like the CFPB to look into the practices of XXXX. Their service is lacking and employees answering the phone are not trained well and show no empathy. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-19 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
Ive been having an issue with CHIME my employer releases fund the same time every pay they do payroll the same time never late never early automatically but I never get my funds from chime when expected and they always say payroll but I know for a facts its chime .. this been going on for a little over a year now and its just getting worst I feel like they holding people money. Also since I had received my taxes on my chime periodically money will go missing with NO TRANSACTION HISTORY SO I CANT EVEN TELL WHO AND WHAT THE MONEY IS GOING when I call them they play the XXXX role right after i literally just said its NO TRANSACTIONS HISTORY FOR THE MONEY THAT IS GONE someone really need too look into what has been going on with chime its too many red flags my spot me dont even budge Im still stuck at XXXX base when Ive been getting direct deposit for XXXX years now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RGL Associates, Inc.
State: GA

Complaint narrative:
Since XX/XX/XXXX, the debt collection agency RGL Associates has contacted me approximately XXXX times, including multiple instances of XXXX to XXXX calls per day. During these calls, their representatives have repeatedly threatened wage garnishment and legal action, including court proceedings. At one point, an individual identifying himself as an attorney named XXXX XXXX contacted me and claimed that unless I paid {$1500.00}, my wages would be garnished. 

I formally requested a debt verification letter, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), but RGL Associates has refused to provide any verification. In addition, I have personally contacted and visited the locations of the businesses they claim I owe money to, and was informed that no outstanding debt exists under my name. 

I have sent a cease and desist letter to XXXX XXXX, which was received, yet the calls have continued. I have documented and retained screenshots of the call logs, which clearly show the frequency and persistence of their contact. 

As an educator, the volume and timing of these calls often during instructional hours has become a major disruption to my professional responsibilities. I can not mute my phone during the day, as I need to remain accessible for important communications from parents and school administration. 

I am prepared to provide complete documentation of my call logs, the cease and desist letter, and details of my efforts to verify the alleged debt, should they be needed for formal action or complaint submission. 



I have attached my contact logs and the cease and desist letter as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This is a formal dispute and legal demand pursuant to the Fair Credit Reporting Act ( FCRA ) regarding fraudulent and unauthorized accounts being reported on my credit report. My identity was stolen due to the XXXX  and XXXX data breaches, and I have filed an official FTC Identity Theft Report, which is included in this dispute package along with a government-issued ID and proof of address. 
I am demanding the immediate and permanent removal, blocking, and deletion of the following unauthorized and fraudulent accounts : AUTO LOAN ACCOUNTS ( Identity Theft ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | {$13000.00} CLOSED ACCOUNT INVOLVED IN FRAUD : XXXX XXXXClosed XX/XX/XXXX The continued reporting of these accounts is a direct violation of the following provisions : 605B ( 15 U.S.C. 1681c-2 ) : Requires the blocking of fraudulent information within 4 business days of receiving proof of identity theft.

611 : Mandates a reasonable reinvestigation ; unverifiable or inaccurate items must be deleted.

607 ( b ) : Requires credit bureaus to ensure the maximum possible accuracy of reported data.

602 ( a ) : Grants me the right to fair and accurate credit reporting, including protection from willful or negligent damage caused by inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This is a formal dispute and legal demand pursuant to the Fair Credit Reporting Act ( FCRA ) regarding fraudulent and unauthorized accounts being reported on my credit report. My identity was stolen due to the Equifax and XXXX data breaches, and I have filed an official FTC Identity Theft Report, which is included in this dispute package along with a government-issued ID and proof of address. 
I am demanding the immediate and permanent removal, blocking, and deletion of the following unauthorized and fraudulent accounts : AUTO LOAN ACCOUNTS ( Identity Theft ) : 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 XXXXXX/XX/XXXX | {$13000.00} CLOSED ACCOUNT INVOLVED IN FRAUD : CHIME/Stride BankClosed XX/XX/XXXX The continued reporting of these accounts is a direct violation of the following provisions : 605B ( 15 U.S.C. 1681c-2 ) : Requires the blocking of fraudulent information within 4 business days of receiving proof of identity theft.

611 : Mandates a reasonable reinvestigation ; unverifiable or inaccurate items must be deleted.

607 ( b ) : Requires credit bureaus to ensure the maximum possible accuracy of reported data.

602 ( a ) : Grants me the right to fair and accurate credit reporting, including protection from willful or negligent damage caused by inaccurate information.

Company response to consumer: Closed with explanation