vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : Request for Removal of Paid Account from Credit Report To Whom It May Concern : I, XXXX XXXX XXXX, am contacting you regarding an account under my name with reference number XXXX. This debt was paid in full on XX/XX/year>2020, and I have attached evidence of the payment made. 

However, I have noticed that this account still appears on my credit report, which is negatively affecting my credit score. Therefore, I respectfully request that you update my credit information to reflect that the debt has been settled and, if possible, remove this account from my credit report as a goodwill gesture. 

I am actively working on improving my financial situation, and this adjustment would be of great help. 

Thank you for your time and attention. I look forward to your response. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
I have had issues with Student Aid verifying my employment for Public Student Loan Forgiveness Application on StudentAid.gov. My employer has signed multiple times, but Student Aid is not updating my application. 

My employment was first verified by my employer on XX/XX/XXXX but it did not appear in my XXXX XXXX I contacted Student Aid on XX/XX/year> by phone and then chat to see what the issue was. I was first told that the issue could be what browser we used. I informed them the correct browser was used. I persisted to ask questions and was told the employer could not use a mass email when verifying my employment. 

Hoping this was the root issue, I updated the employer signature to go to my XXXX XXXX 's email on XX/XX/year>. He received the XXXX document at XXXX pm and signed at XXXX pm. He received email confirmation and forwarded to me. I contacted Student Aid through their chat service on XX/XX/year> to let them know I was still having issues and that the employee verification was not updating to reflect my employer has signed. Instead, it says reassigned. 

I then contacted them via email on XX/XX/year> where they further stated that there was nothing they needed to do. I provided evidence that my employer had in fact signed the document. In response, they gave me generic FAQ answers. My employer used the XXXX portal that was sent to him by Federal Student Aid.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-09 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: OH

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted 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 2025-04-09 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: OH

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Dispute of Inaccurate Bankruptcy Information on Credit Reports Dear Sir or Madam, I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit reports from TransUnion and Experian. I have never filed for bankruptcy, yet both credit bureaus are erroneously including this information in my credit profile. 
Details of the Inaccuracy : Inaccurate Item : Bankruptcy filing Credit Bureaus Reporting Error : TransUnion and Experian Date Noted on Reports : [ Insert Date Noted ] Legal Grounds for Dispute : Violation of the Fair Credit Reporting Act ( FCRA ) : XXXXXXXX XXXX XXXXXXXX ( b ) : Mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inclusion of a bankruptcy that does not belong to me indicates a failure to uphold this standard. 
XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) : Requires credit reporting agencies to promptly investigate disputes and correct any inaccuracies found. 
Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the erroneous bankruptcy entry on my TransUnion and Experian credit reports.

Ensure the immediate and permanent removal of this inaccurate information from my credit profiles. 
Confirm that all actions taken comply with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 
Enclosures : Copies of my credit reports from TransUnion and Experian highlighting the disputed bankruptcy entry. 
Any additional relevant documentation supporting my dispute. 
The XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation that this inaccurate bankruptcy entry has been permanently removed from my credit reports. 

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am writing to file a formal complaint against Bank of America regarding actions that I believe constitute unfair and potentially unlawful practices under federal consumer financial protection laws. 

Bank of America has blocked my access to online banking, thereby preventing me from viewing my account information, managing my credit card, or making payments through their digital platform. Additionally, they have removed my ability to make payments over the phone, including through both the automated system and live agents. These restrictions effectively bar me from paying my credit card bill entirely, putting me at risk of late fees, interest charges, credit score damage, and potential collectionsall through no fault of my own. 

I have not been provided with a clear or adequate explanation for these actions, nor have I received any reasonable alternatives for account management or payment. I believe this may constitute a violation of the Consumer Financial Protection Act 's prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ) under 12 U.S.C. 5531. Blocking all payment channels without offering an alternativewhile continuing to accrue interest and feesmay also violate the spirit of Regulation Z ( 12 CFR 1026 ), which implements the Truth in Lending Act ( TILA ), by creating unreasonable barriers to repayment and transparency.

Moreover, the bank 's actions may be in breach of Regulation E ( 12 CFR 1005 ), which requires financial institutions to provide consumers with reasonable access to electronic funds transfers and account information. 

I respectfully request that the CFPB investigate this matter and compel Bank of America to restore access to basic account functions or at minimum provide a viable method of payment.

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 2025-04-09 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: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-04-09 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:
Please see attached documentation which provides a list of all inaccurate accounts that are reporting to the 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 2025-04-09 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: NJ

Complaint narrative:
Under 15 U.S.C. 1681i and 1681ac, I sent XXXX XXXX XXXX multiple cease and desist letters, yet they continue to report inaccurate information to all three credit bureaus. This stems from a vehicle repossession where they charged off the car but failed to provide a required 1099-C form. Additionally, they falsely reported a missed XXXX payment, despite that payment being made in full. I disputed this information, but XXXX has failed to properly investigate, allowing XXXX to continue reporting false data. These actions violate my rights under the Fair Credit Reporting Act and are obstructing my access to business funding. I am notifying the CFPB of these continued violations and request immediate correction and 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 explanation
Consumer complaint received 2025-04-09 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:
**Subject : ** Formal Dispute and Revocation of Consent Under FCRA and GLBA Under the **Fair Credit Reporting Act ( 15 U.S.C. 1681, et seq. ) ** and the **Gramm-Leach-Bliley Act ( 15 U.S.C. 6801, et seq. ) **, I am formally notifying you of the following : 1. **Violation of Privacy Rights** - **15 U.S.C. 1681, Section 602 ( a ) ** mandates that consumer reporting agencies ( CRAs ) exercise their responsibilities with fairness, impartiality, and respect for privacy. Equifax and Experian, as CRAs, have failed to meet this obligation regarding my personal data.

- **15 U.S.C. 6801** affirms that financial institutions ( including furnishers of information to CRAs ) must protect the confidentiality of nonpublic personal information. No written or explicit consent was provided to share my data, and any prior consent is hereby **revoked in full**.

2. **Unauthorized Disclosure** - **15 U.S.C. 1681b ( a ) ( 2 ) ** permits furnishing a consumer report *only* with the consumers written instructions. Neither the furnisher nor the CRAs have obtained such authorization.

- **15 U.S.C. 6802 ( b ) ( c ) ** requires disclosure of my right to opt out of third-party sharing. I was never informed of this option.

3. **Inaccurate and Outdated Reporting** - **15 U.S.C. 1681c ( a ) ( 5 ) ** prohibits reporting adverse items older than seven years ( excluding criminal convictions ). The account referenced is both outdated and improperly reported.

- **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ** bars furnishers from providing inaccurate information. The data in question is incorrect and must be corrected or deleted.

4. **Opt-Out Demand** Pursuant to **12 C.F.R. 1016.7**, I am exercising my right to **opt out** of all data sharing with nonaffiliated third parties, effective 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 explanation
Consumer complaint received 2025-04-09 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had tried over 6 times to wire transfer MY money and the bank, JP Morgan Chase, refuses to transfer MY money. At one point they told me I would have to go into a branch to get MY money transferred. On XX/XX/year> I went into the XXXX Chase location and, in person, requested my wire transfer. They still refused to send MY money. This bank is holding MY money and refusing to transfer it. This is the bank SCAMMING me. Refusing to send MY money and keeping it hostage. Because of the non-transfer of MY money and I have incurred over a {$5000.00} loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
On XX/XX/2025 This creditor Credit acceptance and their legal team XXXX XXXX XXXXXXXX XXXX sent notice to my bank to garnish my accounts along with my child 's account. I don't know what this garnishment is about, and I would like to fight against this. I will go through the court to request a hearing, along with getting my money back in the total of {$1500.00} I haven't received any information as to what the collection is about.

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 2025-04-09 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: ME

Complaint narrative:
I am disputing the reporting of an auto loan account from XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ). This account has been charged off but continues to be re-reported monthly with a charge-off status, despite no new activity. This repeated updating artificially re-ages the account and negatively impacts my credit report. 

Additionally, the balance history is inconsistent across all three credit bureaus, and payment activity is not clearly or accurately documented. The account shows a last payment in XX/XX/XXXX, but charge-off reporting persists monthly well into XXXX. 

I have disputed this previously and did not receive proper validation or explanation. This violates FCRA 15 U.S.C. 1681s-2 ( a ) and Metro 2 standards.

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 2025-04-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. 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