vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in unauthorized accounts and credit inquiries appearing on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 604, 611, and 605A.

Section 609 of the FCRA requires that credit reporting agencies ensure the accuracy of the information in my credit report and make it available to me upon request. The fraudulent accounts that have been opened in my name are inaccurate, and the credit bureaus have not removed them after my disputes.

Section 604 of the FCRA states that credit reports may only be accessed with my consent or for certain permissible purposes. Unauthorized credit inquiries have been made by companies I do not recognize or have not authorized.

Section 611 of the FCRA mandates that credit reporting agencies investigate disputes in a timely manner ( within 30 days ) and correct any inaccuracies. Despite my attempts to dispute these fraudulent accounts and inquiries, they remain unresolved.

Section 605A of the FCRA allows consumers to place fraud alerts or credit freezes to prevent further unauthorized access to their credit reports. I have taken these actions, but the fraudulent information continues to persist.

Despite my efforts to resolve this issue, these fraudulent items remain on my credit report and continue to harm my credit score and financial stability. I am seeking assistance from the CFPB to enforce my rights under the FCRA and ensure the credit reporting agencies comply with their legal obligations to correct these inaccuracies.

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 2025-04-02 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : DEPTEDXXXX  ACCOUNT XXXX ACCOUNT NAME : DEPTEDXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : DP OF EDUC ACCOUNT XXXX ACCOUNT NAME : DP OF EDUC ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX CC ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAMEXXXXXXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX  ACCOUNT NAME : XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is my third and final attempt to resolve this issue through the Consumer Financial Protection Bureau. 

I have been unable to access {$3900.00} in federally issued Title IV financial aid ( FAFSA ) that was deposited into my chase account in XX/XX/year>. Chase closed my closed my account and froze all funds, citing an investigation into third-party checks that were deposited separately.

I have made it very clear that I don't want or need the third-party checks released. I do not have verification for them, and I am willing to forfeit those funds. I am only asking for the release of my federal student aid, which has nothing to do with the disputed deposits.

Despite this, Chase continues to withhold my Title Iv funds and claims that this isnt a bank error. However, refusing to release undisputed, federally protected student aid is a serious issue- especially when Ive provided clear consent to separate it from the disputed checks. 

Ive filed two prior CFPB complaints, emailed the Chase Executive office, and submitted a case to the Office Of the Comptroller of the Currency ( case # XXXX ). Chase responses have been dismissive, failing to address the fact that federal student aid is not subject to their internal check verification requirements.

The refusal to release my aid is directly harming my ability to afford housing, food, and education. I am a college student trying to survive, and Chase is blocking my access to funds I legally qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am filing this formal complaint against Santander Consumer USA regarding their inaccurate reporting of my account. My account is currently listed as " In Collections/Charge Off '' when it should correctly reflect " Paid as Agreed. '' On XX/XX/year>, I submitted a 1099-C ( Cancellation of Debt ) on behalf of this account, which was accepted by the Internal Revenue Service ( IRS ). This acceptance confirms that the debt obligation has been fulfilled. Per IRS guidelines, once a creditor accepts a 1099-C, the debt is considered settled. Additionally, under the Uniform Commercial Code ( UCC ) and federal law, the following provisions support my claim : UCC 3-603 Tender of Payment : When full payment is offered and accepted, the obligation is discharged.

UCC 1-201 ( 24 ) Defines " Money '' as a medium of exchange authorized by a government.

UCC 9-210 Obligation to provide a statement of account and correct inaccuracies upon debtor 's request.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) The Fair Credit Reporting Act ( FCRA ) mandates that furnishers of credit information must ensure accuracy and correct any errors in reporting.

IRS Publication 4681 Recognizes that acceptance of a 1099-C implies the debt has been canceled and should no longer be reported as owed.

Despite my attempts to have Santander Consumer USA correct this reporting, they have failed to update the account status appropriately. I am requesting immediate correction of my account to reflect " Paid as Agreed '' and removal of any negative reporting associated with this account.

As this matter directly affects my financial standing, I urge the CFPB to investigate and take appropriate enforcement action against Santander Consumer USA to ensure compliance with federal and commercial laws. Please confirm receipt of this complaint and provide updates on the resolution process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : [ Insert Reference Number ] regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I have stage XXXX XXXX XXXX and have consistently made regular payments to XXXX each month. However, my account was recently turned over to MLC for collections. The amounts have varied each time, and I sent a validation letter ( attached ) requesting detailed information about this debt. MLC responded ( see attached MLC letter ), but they did not provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-02 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WAFD BANK
State: WA

Complaint narrative:
I was scammed by a " loan company '' called XXXX XXXX. Over two days they removed {$6000.00} from my checking account. They had me print checks and then return the money to the company. The bank accepted these false checks as deposits. They told me that was the only way they could get the checks to me as they didn't want to use the mail. They told me that depositing these checks would raise my credit score and allow me to borrow more. In faith I did that. Now I find out that the total of all the checks was over {$6000.00} and my bank has frozen my account. I opened another account in a nearby bank and in checking my history they found a bank from several years ago that I have another scam on, and so the second bank closed my account leaving me with no bank access. My Social Security check comes in, in one day and I asked the bank to keep out my check so I can pay my rent. They refused to keep out the check, so now the check will go into the overdraft and I can't pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On or about XX/XX/XXXX I allowed my dentist to charge {$4200.00} to a charge card they supported to be interest free if paid in full within 6 months. I made regular payments of $ 800 monthly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My final payment of {$200.00} was made on XXXX, XXXX completing payment in full of {$4200.00} per my agreement. They disputed that the payment in full was made in the 6 month period because without my knowledge or consent they had been charging my account $ XXXX saying I had a balance of {$5.00} plus {$470.00} interest for not paying in full. For the record I have called the company many time to the customer service people and finally wrote the company on XX/XX/XXXX, a copy of the letter is attached. ( For the record I cancelled the card even paid the disputed fees in an effort to resolve this matter. ) I received a response from the company ( copy attached ) stating my account still shows a balance of {$480.00} and threaten to report me to XXXX credit bureaus if I didn't pay the disputed interest. I appears this is a scam this company uses to fleece card holders since they will not budge on their position.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2024 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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern at the CFPB : I am filing this complaint regarding the reporting of a XXXX XXXX account on my TransUnion credit report. This account, while fully paid and closed, continues to reflect negative and punitive remarks, including : Status : Paid Repossession Delinquency : 120+ Days Late Reported by : TransUnion only ( XXXX and XXXX have removed this account following disputes ) Date Closed : XX/XX/year> Highest Balance : {$20000.00} Account Number ( last XXXX ) : XXXX This account was closed after a period of hardship caused by the economic impacts of the COVID-19 pandemic. During this time, many consumers, myself included, were under severe financial strain due to circumstances outside of our control. 

Despite the hardship and eventual resolution of the debt, the account continues to carry language like repossession and 120+ day delinquency, which severely and unnecessarily impacts my ability to move forward financially. These remarks do not reflect my current financial position, nor do they offer any constructive information to potential lenders. 

I believe this reporting violates the spirit of the FCRA, especially post-pandemic, and may violate the Fair Debt Collection Practices Act ( FDCPA ) by continuing to publish derogatory information that no longer serves a justifiable purpose. 

Furthermore : XXXX and XXXX have already deleted this tradeline. 
TransUnions continued reporting of inconsistent and negative data suggests either improper reinvestigation or failure to update records per FCRA 623 ( a ) ( 2 ).

This continued derogatory reporting punishes a consumer who has resolved the account, without offering accurate or helpful financial insight to future creditors.

I respectfully request that the CFPB help ensure this account is either : Removed in full, or Updated to reflect a positive status such as Paid as agreed or Paid closed in good standing and that all severe delinquencies and repossession labels be removed. 
This complaint is being submitted in good faith, and I am simply asking for fair, updated reporting that reflects current law and guidance intended to help Americans recover post-pandemic. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2025-04-02 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
XXXX XXXX, years ago I opened a account with synchrony bank and being XXXX I forgot to pay it off and went to collections. I been trying to fix my credit and try to remove everything bad from my credit report, that's where I find out Portfolio Recovery had this account. Even though the account is to old for them to collect money I been trying to pay it off in good faith to get it removed from my credit. A few times they send me a good offer to pay it off and when I tried to pay, they change it to a higher sum of money, after that I gave up on trying, but they been harassing non stop to the point that they called my job and demanded a payment.I work for the State of New Mexico and that put me in a very uncomfortable state in my job, I had to tell my supervisor to tell them to stop calling, that it was a State Number. That was a few years ago, after that now they call all day even after hours, and non stop every weekend morning and evenings. Sorry for the inconvenience and hopefully I can get some help, have a great day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Capital Recovery, LLC
State: NC

Complaint narrative:
This is medical debt that is being reported on my credit. This debt was paid by a workmans comp claim. Also ( CFPB ) finalized a rule on XXXXXXXX XXXX XXXX, that prohibits consumer reporting agencies from including medical debt on credit reports, and prohibits lenders from using medical debt information to make lending decisions. So O would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: OH

Complaint narrative:
I got some items that Id like removed from my file. You can reiew the report to see wat needs to be removd. Ive been identity thefted and those charges are absolutly not mine. Id like you to get those eliminated to restore my credit report. Ive conacted the Federal Trade Commission regarding the identity theft and attached copies of their Identity Theft Affidavit as documentation.

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