vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-25 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-25 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, In addition to my primary complaint regarding unauthorized and inaccurately reported accounts, I am submitting this supplement specifically related to student loan accounts appearing on my Equifax, TransUnion, and Experian credit reports. 
Upon detailed review, I identified multiple reporting discrepancies involving accounts serviced by the U.S. Department of Education and XXXX : Key Violations and Discrepancies ( with Applicable Laws ) : 1. Balance Inconsistencies : - Dept of Education loans reflect different balances across credit bureaus for the same update dates.

- Violates FCRA 1681e ( b ) Credit reporting agencies must maintain maximum possible accuracy. 

XXXX. Payment History Errors : - Some loans display payment history statuses inconsistently ( " XXXX '', " PDE '', " Transferred '' ) without standardization. 
- Violates FCRA 1681e ( b ) and 1681i.

3. High Balance Variations : - High balance amounts differ between Experian, TransUnion, and Equifax for the same loans.

- Violates FCRA 1681e ( b ). 

XXXX. Date Opened Discrepancies : - Small but legally significant differences in " Date Opened '' fields across bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Violates FCRA 1681e ( b ).

5. Missing Payment Histories : - Equifax reports contain significantly fewer months of payment history compared to TransUnion.

- Violates FCRA 1681i ( a ) ( 5 ) ( A ) Right to complete file disclosure.

6. Status Update Errors : - Some loans listed as " Current '' while also showing deferment or transfer statuses on other bureaus.

- Violates FCRA 1681e ( b ) and FACTA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I maintained checking ( # XXXX ) and savings ( # XXXX ) accounts with HSBC Bank USA. On XX/XX/year>, HSBC closed my accounts in good standing at my request. However, HSBC has failed to return {$15000.00} of my funds that remained in the accounts at closure. 

Timeline : - XX/XX/year> : XXXX confirmed my accounts were in good standing with full access restored - XX/XX/year> : I initiated XXXX transfers to XXXX XXXX  ( {$9000.00} and {$6600.00} ) - XX/XX/year> : HSBC canceled both transfers without explanation - XX/XX/year> : HSBC closed accounts at my request, but withheld {$15000.00} - XX/XX/year> : Received letter from HSBC stating funds " still under review '' due to " internal bank notice '' from XXXX XXXX  - XX/XX/year> : Visited XXXX branch, spoke with representative who confirmed she could not access information about my account or help retrieve my funds HSBC has provided contradictory explanations : 1. Initially claimed a check would be mailed with account balance XXXX. Then provided tracking number, but tracking shows item was never shipped XXXX. Later claimed funds under " review '' by " backoffice '' with no timeline XXXX. Customer Relations ( XXXX XXXX ) wrote vague reference to " internal bank notice '' without specifics I've spent XXXX hours on phone calls, emails, and branch visits trying to resolve this. HSBC 's withholding of funds after account closure appears to violate Regulation E, Regulation CC, the Uniform Commercial Code, and the Consumer Financial Protection Act. Their failure to provide clear written documentation of the specific reason for withholding funds or a timeline for release directly contradicts regulatory requirements. 

I previously filed a complaint with the Office of the Comptroller of the Currency ( XXXX Case # XXXX ), which has now been referred to the CFPB for further investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.

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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: GA

Complaint narrative:
So on XXXX XXXX I got an procedure done the total price was XXXX I used XXXX for XXXX I owe the {$120.00} I pay that at the merchant office but I accidentally pay them {$750.00} on the same day XX/XX/XXXX on their website site but chime denied my dispute on XX/XX/year> and I gave the all the information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
Subject : Complaint Regarding Inaccurate Reporting and Failure to Provide 1099-C XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am filing this complaint against XXXX XXXX XXXX for XXXX of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 

Specifically, XXXX XXXX XXXX is reporting a debt on my credit report that I believe is inaccurate. I was not provided with a Form 1099-C ( Cancellation of Debt ) associated with this account, although it appears the debt was forgiven or otherwise resolved in a manner that would require such notification. The absence of the 1099-C has deprived me of necessary information to properly address the tax and credit implications of this account. 

Under the FCRA, furnishers of information must ensure that the information they provide to consumer reporting agencies is accurate and complete. By continuing to report the debt without providing the required documentation or updating the account status accordingly, XXXX XXXX XXXX is furnishing incomplete and inaccurate information. This misreporting is causing harm to my credit standing and financial reputation. 

I respectfully request the CFPBs assistance in investigating this matter. I am requesting that XXXX XXXX XXXX : Provide me with a copy of the 1099-C form ( if it exists ), Correct the inaccurate reporting on my credit report to reflect the true status of the account, and Cease all further reporting of inaccurate information regarding this account. 

I reserve the right to pursue legal remedies, including seeking statutory damages under the FCRA, for willful noncompliance with the law. 

Attached are copies of my credit report entries reflecting the disputed account and any correspondence related to this issue. 

Thank you for your assistance. 

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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
My credit report reports that Tower Loan closed my account XX/XX/25 stating charge off account balance {$2400.00}. 

I just learned of this yesterday XX/XX/25 and requested a 1099-C. They have refused to speak with me. 

I have had issue with this company refusing to enter into a payment arrangement with me and only attempting to bully me to redo the loan eventually locking me out of my account. 

I have been doing business with this company for years. I never reached out to this company for a loan. This company repeatedly would send a check to me and if I wanted, I would sign and cash the check or I would tear the check up and put in the trash. I am requesting assistance with getting this 1099-C from Tower Loan. I am XXXX and I truly believe Tower Loan has attempted to bully me because of my age. They repeatedly contacted me to come into the office and redo the loan even though I was repeatedly trying to make payment arrangements. One of the male employees came to my house and tried to get me to open the door, I refused. I felt threatened. After this and several outrageous telephone conversations with a female employee there I was locked out of my account. I did business with Tower Loan XXXXXXXX XXXX XXXX XXXX. They are listed as Tower Loan of XXXX XXXXXXXX XXXX XXXX XXXX * on my XXXX XXXX credit report Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

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 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 15 U.S.C 1681 section 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 a 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 seven years. 

15 U.S.C. 1681s-2 ( 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 2025-04-26 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:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's 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 customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX XXXXXXXX {$1100.00}, XXXX XXXX  XXXX {$3000.00}, XXXX XXXX {$0.00}

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 2025-04-26 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-26 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-26 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: NE

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B - 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : XXXX XXXX XXXX XXXX - Account number - XXXX Date opened : - XXXX XXXX, XXXX - Balance : - {$18000.00} XXXX XXXX - Account number XXXX XXXX Date opened : XX/XX/XXXX - Balance : {$110.00} XXXX XXXX - Account number - XXXX Date opened : XX/XX/XXXX - Balance : - {$770.00} XXXX  - Account number - XXXX XXXX opened : XX/XX/XXXX PAID OFF XXXX  XXXX - Account number - XXXX Date opened : XX/XX/XXXX PAID OFF XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX  - Account number - XXXX Date opened : XX/XX/XXXX - Balance_- {$740.00} XXXX XXXX  XXXX - Original creditor : XXXX XXXX XXXX Account number - XXXX Date opened : XXXX XXXX, XXXX - Balance- {$900.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 seven years.

15 U.S.C 1681s-2 ( 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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-04-27 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B - 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : XXXX XXXX XXXX XXXX - Account number - XXXX Date opened : - XXXX XXXX, XXXX - Balance : - {$18000.00} XXXX XXXX - Account number XXXX XXXX Date opened : XX/XX/XXXX - Balance : {$110.00} XXXX XXXX - Account number - XXXX Date opened : XX/XX/XXXX - Balance : - {$770.00} XXXX  - Account number - XXXX XXXX opened : XX/XX/XXXX PAID OFF XXXX  XXXX - Account number - XXXX Date opened : XX/XX/XXXX PAID OFF XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX  - Account number - XXXX Date opened : XX/XX/XXXX - Balance_- {$740.00} XXXX XXXX  XXXX - Original creditor : XXXX XXXX XXXX Account number - XXXX Date opened : XXXX XXXX, XXXX - Balance- {$900.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 seven years.

15 U.S.C 1681s-2 ( 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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with non-monetary relief