vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: AL

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 explanation
Consumer complaint received 2025-06-25 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: WA

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 2025-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Robinhood brokerage account listed as restricted on XX/XX/year> at approximately XXXX XXXX. I used a XXXX XXXX XXXX  to purchase online and the transaction went through without problem. 30 minutes later my account is frozen. No explanation is given other than the investigative board is reviewing unusual activity. And I must wait until the investigation is complete with no timetable given. No information about potential stealing from the account. I have no access to the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: TX

Complaint narrative:
I am being held responsible for student loans that are incorrectly classified as federal loans. 

I attended UT XXXX XXXX XXXX at XXXX XXXX and took out private loans through XXXX XXXX, which were disbursed directly through the school. These loans were never consolidated, refinanced, or transferred with my consent into any federal program. As I paid them in full immediately after graduation in 2023, I have proof. 

However, the U.S. Department of Education is now claiming ownership of these loans and lists Edfinancial as the servicer. I never signed a Master Promissory Note for a federal loan, and the disbursement amounts exactly match the original XXXX XXXX loans. In Addition, the amounts disbursed through UT XXXX match XXXX XXXX. 

Edfinancial is refusing to acknowledge this discrepancy and continues to list the loan as federally owned. This has led to confusion, financial harm, as it has destroyed my credit score. I am requesting that CFPB investigate this misclassification and ensure that these loans are removed from the federal loan system unless lawful documentation proves otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a formal complaint regarding Chime Banks negligent handling of a fraud dispute on my account, which has left me financially harmed and deeply concerned. 
On XX/XX/year>, I received a fraudulent phone call from someone posing as Chimes fraud prevention department. Under the belief that I was protecting my account, I followed their instructions and transferred {$100.00} via the Pay Anyone feature. 
I immediately recognized the scam, called Chime, and submitted extensive supporting evidence : screenshots, phone numbers involved, the scammers Chime Sign name, and a complete account of what occurred. Despite this, Chime denied my dispute in under 24 hours, a timeframe which clearly indicates that no meaningful investigation took place. 
Chime treated me as though I was complicit in the fraud, rather than as the victim I am. Ive been a Chime customer for over three years, enrolled as a Chime Plus member, and receive two direct deposits monthly from survivor benefitsthis account is my familys lifeline. Their refusal to protect it and their dismissive response to my evidence is unacceptable. 
I am requesting the Consumer Financial Protection Bureau investigate this matter and Chimes broader dispute-handling practices. I believe their failure to comply with proper investigation protocols and protections under the Electronic Fund Transfer Act should be examined closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I am writing to formally notify you of an urgent issue regarding a XXXXbranded gift card that I purchased using my XXXX XXXX credit card on or about XX/XX/XXXX. 
Since the date of purchase, the card has failed to function, and I have been unable to check the cards balance, whether online or through the customer service channels printed on the card. This situation is unacceptable, and I am requesting immediate resolution in compliance with applicable federal consumer protection laws. 
Legal Basis As you are aware, the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( CARD Act ), codified under 15 U.S. Code 1693l1, specifically governs the use, disclosure, and availability of general-use prepaid cards such as gift cards. Your failure to ensure : Functionality of the card upon purchase, Consumer access to balance information, and Transparency of terms and conditions, may constitute a violation of federal law. 
Furthermore, under 12 CFR 1005.20 of Regulation E, gift card issuers must : Provide clear and accessible means for consumers to check balances, Ensure that funds are available and redeemable as stated at the time of purchase, and Not restrict usage without lawful and disclosed cause. 
Demand I demand that XXXX : 1. Immediately activate or replace the defective gift card with the full value originally purchased. 
2. Provide a written explanation for the non-functionality and failure of balance access. 
3. Confirm compliance with federal regulations under the CARD Act and EFTA. 
If I do not receive a full and satisfactory response within 10 business days, I will be compelled to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), and consider pursuing further legal action to assert my rights under applicable federal consumer protection laws. 
Please treat this letter as a formal notice under all relevant consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Experian, Equifax and Trans I continue to dispute this loan that appears on my credit file. I have asked several different times for you to validate this account showing this belongs to me. Experian you continue to send report showing dispute resolved with no verification on anything I have requested. I now again am asking that you verify this account with what I have requested. There are multiple discrepancies and many inaccuracies on this account that you have verified. I have listed all my concerns below and ask that you investigate this account thoroughly. If you are unable to verify what I have asked kindly to remove this inaccurate/false information from my report. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX All three bureaus report the account as charged off or collection/charge off, yet theres no evidence showing I legally owe this debt or authorized the account. Conflicting credit values potential inaccurate reporting. 
TransUnion : {$3300.00} Equifax : {$2800.00} Experian : ( No value reported ) Last Date reported I have a discrepancy with the dates Trans Union-Experian shows XX/XX/XXXX Equifax- shows XX/XX/XXXX The account was sold to XXXX XXXX XXXX according to your report. Ive provided documentation showing Experian- XXXX XXXX XXXX showing they are not collecting on this debt Payment history shows a progression of delinquencies ( 3060 days ) without notice or validation, followed by a charge-off. 
Experian is in violation of so many laws Failure to Verify Accuracy ( 1681i ( a ) ) - Experian is required to conduct a reasonable reinvestigation of disputed information. To date, no substantive validation has been supplied despite my repeated requests. 
( 1681i ( a ) ( 5 ) ( A ) ) - If an item can not be verified, Experian is required by law to delete it from the consumers credit report. 
( 1681e ( b ) ) - Credit reporting agencies must ensure all information reported is complete and accurate. The continued reporting of this account without verifying its legitimacy violates this provision. 
Please provide a copy of my updated credit report once corrections are made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian, Equifax and Trans I continue to dispute this loan that appears on my credit file. I have asked several different times for you to validate this account showing this belongs to me. Experian you continue to send report showing dispute resolved with no verification on anything I have requested. I now again am asking that you verify this account with what I have requested. There are multiple discrepancies and many inaccuracies on this account that you have verified. I have listed all my concerns below and ask that you investigate this account thoroughly. If you are unable to verify what I have asked kindly to remove this inaccurate/false information from my report. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX All three bureaus report the account as charged off or collection/charge off, yet theres no evidence showing I legally owe this debt or authorized the account. Conflicting credit values potential inaccurate reporting. 
TransUnion : {$3300.00} Equifax : {$2800.00} Experian : ( No value reported ) Last Date reported I have a discrepancy with the dates Trans Union-Experian shows XX/XX/XXXX Equifax- shows XX/XX/XXXX The account was sold to XXXX XXXX XXXX according to your report. Ive provided documentation showing Experian- XXXX XXXX XXXX showing they are not collecting on this debt Payment history shows a progression of delinquencies ( 3060 days ) without notice or validation, followed by a charge-off. 
Experian is in violation of so many laws Failure to Verify Accuracy ( 1681i ( a ) ) - Experian is required to conduct a reasonable reinvestigation of disputed information. To date, no substantive validation has been supplied despite my repeated requests. 
( 1681i ( a ) ( 5 ) ( A ) ) - If an item can not be verified, Experian is required by law to delete it from the consumers credit report. 
( 1681e ( b ) ) - Credit reporting agencies must ensure all information reported is complete and accurate. The continued reporting of this account without verifying its legitimacy violates this provision. 
Please provide a copy of my updated credit report once corrections are made

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was a victim of identity theft per S. Z. XXXX XXXX XXXX XXXX XXXX and past through certificates routinely agreed to foreclosure related documents with knowing or hearing my side of the story if accusation were correct. disregarded my request to rightfully take legal actions against my former mortgage lender representative who committed internally crime. i did not receive any of the XXXX XXXX XXXX relief, to date. Nor have i received any information relating to my question.

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 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Dispute : Rental Fraud ( XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ) On XX/XX/XXXX, my XXXX apartment rental lease had been terminated XXXX XXXX  XXXX XXXX XXXX XXXX , GA XXXX . As a part of my lease which is attached. Tenants are required to inform the leasing company they plan to vacate the premises within 60 days of the leasing contract. XX/XX/XXXX, I spoke with XXXX XXXX ( Leasing Agent ) and orally communicated to him that I would not be returning to the unit and relocating to my current address of the past 2 years XXXX XXXX XXXX XXXX NY XXXX. The leasing manger XXXX XXXX was my point of contact regarding the lease renewal, we did explore the options of renewing for a lesser amount in XX/XX/XXXX, however we ultimately settled on me not renewing the lease. As pronounced in my leasing agreement that I have attached I resided at the complex from XX/XX/XXXX, to XX/XX/XXXX. On XX/XX/XXXX. I vacated the apartment and returned home to XXXX XXXX XXXX XXXX Ny XXXX to deliver my daughter in XX/XX/XXXX. After relocating approximately a year later, I verified the XXXX XXXX  eradicated my credit by committing rental fraud. XXXX XXXX  claimed I did not inform that I planned on vacating the apartment and charged me a total {$1300.00}. I did not renew a lease with the apartment complex, I also used written and oral communication to inform the leasing office that I would be terminating my leasing contract. I reiterated it on XX/XX/XXXX, via email to XXXX XXXX, XXXX XXXX, XXXX XXXX ( Leasing managers ) Upon viewing the request for disbursement from the complex. I reached out via email on several occasions to discuss these false accusations and fraud of infringement. In the emails attached it can be viewed that the leasing party could not prove the infracted claim that is negatively affecting my credit score. I request legal documentation proving that I signed a lease for the year which would have been XX/XX/XXXX to XX/XX/XXXX. However, I was never provided with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Certified Mail & Email To : TransUnion - CEO ( XXXX XXXX ), Chief Compliance Officer ( XXXX XXXX ) TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DE XXXX Account no. XXXX Charge off Balance {$50000.00} Date opened XXXX XXXX Subject : Formal Demand and Notice Under the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 
1681 et seq. ; CFPB Enforcement - Cease Unlawful Reporting and Remediate All Violations or Face Immediate Legal Action 1. Summary of Violations Pursuant to 15 U.S.C. 1681i, 1681e ( b ), 1681o, and 1681n, you are operating in direct violation of the following alleged failures : 1. Failing to conduct reasonable reinvestigations under 1681i ( a ) ( 1 ) ( A ) after receiving my dispute ( s ) ; 2. Publishing inaccurate, incomplete, or unverifiable information in violation of 1681e ( b ) ; 3. Failure to follow reasonable procedures to assure maximum accuracy ; 4. Willful and negligent noncompliance entitling me to statutory and punitive damages. 
Recent CFPB enforcement actions underscore this pattern : - CFPB v. TransUnion, Complaint No. XXXX, XX/XX/XXXX. 
- CFPB Consent Order, No. XXXX, XX/XX/XXXX against XXXX. 
- DOJ suit ( XXXX ) against XXXX  ( Case No. XXXX ). 
2. Legal Authority & Recent Case Law - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) 3. Remedial Demands & Deadlines Within 15 business days : a. Conduct a complete re-investigation ; b. Remove or block unverifiable or inaccurate info ; c. Provide full investigative records ; d. Cease further credit reporting unless re-verified. 
4. Threat of Immediate Litigation Failure to comply will result in federal action within 30 days, including class certification and CFPB notification. 

No automated e-Oscar responses. Direct legal and compliance team communication only. 
5. Conclusion This communication documents your willful disregard of FCRA duties, my entitlement to damages, and the potential for litigation escalation.

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