vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally communicate this inclusion of the following bankruptcy records on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting an immediate investigation and removal of these inaccuracies : XXXX. Chapter XXXX Bankruptcy Filed XX/XX/year> I have received a letter from the bankruptcy court confirming that they do not provide information to credit reporting agencies. This means that Transunion has not directly verified the accuracy of this information with the bankruptcy court. Therefore, I request that this item be removed from my credit report immediately, as they can not be properly verified. 

Additionally, as outlined in 15 U.S.C. 1681, negligent noncompliance with the Fair Credit Reporting Act can result in civil liability. If this matter is not addressed promptly and accurately, I reserve the right to pursue legal action for any damages incurred as a result of this inaccurate reporting. 

Despite my request for an investigation and removal under the Fari Reporting Act ( 15 U.S.C. 1681 ), These inaccurate items remain on my report, negatively affecting my credit.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally communicate this inclusion of the following bankruptcy records on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting an immediate investigation and removal of these inaccuracies : XXXX. Chapter XXXX Bankruptcy Filed XX/XX/year> I have received a letter from the bankruptcy court confirming that they do not provide information to credit reporting agencies. This means that Transunion has not directly verified the accuracy of this information with the bankruptcy court. Therefore, I request that this item be removed from my credit report immediately, as they can not be properly verified. 

Additionally, as outlined in 15 U.S.C. 1681, negligent noncompliance with the Fair Credit Reporting Act can result in civil liability. If this matter is not addressed promptly and accurately, I reserve the right to pursue legal action for any damages incurred as a result of this inaccurate reporting. 

Despite my request for an investigation and removal under the Fari Reporting Act ( 15 U.S.C. 1681 ), These inaccurate items remain on my report, negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX, I discovered that a business loan was incorrectly reported on my personal credit report by TransUnion. Not only is this a business-related debt that should not be on a personal consumer report, but it also appears to be linked to the wrong individual. 

I first disputed this error with TransUnion on, stating that this debt does not belong to me and requesting its immediate removal. However, TransUnion failed to correct the error and is now falsely claiming that I disputed the account by mail, when in fact, my dispute was submitted online. Additionally, the dispute dates they have on file are inaccurate, which raises serious concerns about fraudulent activity on my account. 

I believe someone may be impersonating me and attempting to commit identity theft, as I have noticed other suspicious activity in my life. TransUnions failure to properly investigate and remove this fraudulent information is not only negligent but also a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure accuracy and security in reporting. 

I have submitted multiple disputes and providing documentation that this debt does not belong to me. Yet, TransUnion continues to wrongfully report this account under my name, causing harm to my credit and putting me at further risk of financial fraud. 

I am filing this complaint because TransUnion has failed to take my concerns seriously, and I demand immediate action. I am requesting : The immediate removal of this incorrect account from my personal credit file. 
A full investigation into why false dispute information was recorded under my name. 
Confirmation in writing that this issue has been resolved. 
Failure to correct this issue will leave me with no choice but to escalate this matter further. I appreciate your prompt attention to resolving this fraudulent and damaging situation.

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 2025-02-13 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my 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 non-monetary relief
Consumer complaint received 2025-02-13 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: MD

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 non-monetary relief
Consumer complaint received 2025-02-13 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: Nav Technologies, Inc.
State: FL

Complaint narrative:
I don't know where this incorrect information gets on my business report I tired to dispute with Nav but I didn't get any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash App was unable to reimburse me a {$20.00} transfer to my XXXX XXXX  account that was attempted from my mobile app associated with XXXX. I submitted a claim and spoke with XXXX XXXX. A card that is no longer available to use and was linked to the Cash App card has been removed from the Cash App mobile app. I would like the {$20.00} to either transfer to my XXXX XXXX  Account as planned that is associated to XXXX or returned back to my Cash App card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2025-02-13 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, specifically regarding late payments reported by the XXXX XXXX XXXX XXXX ( XXXX ) and personal information errors. Pursuant to the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and other applicable laws, I request a thorough investigation and correction of the following disputed items. 

Legal Basis for Dispute : 1. 15 U.S.C. 1681i ( a ) ( 1 ) requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires credit reporting agencies to provide prompt notification of the results of a reinvestigation to the consumer.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires credit reporting agencies to modify, delete, or permanently block disputed information that is inaccurate, incomplete, or can not be verified.

4. 15 U.S.C. 1666b ( a ) prohibits creditors from reporting late payments if the payment was made within the grace period or if the creditor failed to provide proper billing disclosures.

5. 15 U.S.C. 1681n and 1681o provide for civil liability and damages for willful or negligent noncompliance with the FCRA.

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 2025-02-13 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, specifically regarding late payments reported by the XXXX XXXX XXXX XXXX ( XXXX ) and personal information errors. Pursuant to the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and other applicable laws, I request a thorough investigation and correction of the following disputed items. 

Legal Basis for Dispute : 1. 15 U.S.C. 1681i ( a ) ( 1 ) requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires credit reporting agencies to provide prompt notification of the results of a reinvestigation to the consumer.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires credit reporting agencies to modify, delete, or permanently block disputed information that is inaccurate, incomplete, or can not be verified.

4. 15 U.S.C. 1666b ( a ) prohibits creditors from reporting late payments if the payment was made within the grace period or if the creditor failed to provide proper billing disclosures.

5. 15 U.S.C. 1681n and 1681o provide for civil liability and damages for willful or negligent noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-13 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: DE

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have requested Validation and I still haven't heard from the debt collector explained to the company my identity was involved in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: TX

Complaint narrative:
When I originally approved to get these loans I was told that as long as I was in school I did not have to make any payments. Right now I am enrolled for summer of 2025 I am yet to receive any type of degree and they hit my credit score and dropped roughly XXXX points and put me in delinquent status. I have reached out to Mohela on numerous occasions. Every time I call I try to let them know that I can't make payments right now to see if the payments can get paused or I can get a smaller payment I never get any answers from them. The phone hold times are over XXXX hours long and when I get on the wait list for a call back my phone rings XXXX time and before I can answer they hang up. I have tried everything to get this account settled I have also emailed and no reply besides telling me I will be in delinquent status. Every time I try to login online it asks for my ID and password and SSN and DOB it always says I am not in their system. I am not sure what else to do for this to not affect my credit score as it is going to impact my livelihood when getting an apartment or any other big purchases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
SPECIALIZED COLLECTION SER is inaccurately reporting on my credit report Dear CFPB Representative, I am writing to file a formal complaint against Specialized Collection Service regarding the improper collection and reporting of a debt to the credit bureaus. I have disputed this debt directly with the collection agency under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), and they have failed to provide sufficient proof to validate the debt.

I requested that they : 1. Provide the Certified Material Information ( CMI ) for the alleged debt.

2. Supply proof of assignment or release of this debt from the original creditor to their agency.

3. Offer documentation detailing the calculation of the claimed amount.

4. Provide a copy of the original agreement or contract that created the debt.

As of this writing, they have failed to comply with my lawful request for verification. According to the FDCPA, they are required to provide clear and accurate validation before pursuing collection or continuing to report the debt to the credit bureaus. Without proper verification, their reporting of this debt is unfair, misleading, and damaging to my creditworthiness. 

I am requesting the CFPBs assistance to : 1. Investigate this matter with Specialized Collection Ser.

2. Ensure that this unverified collection account is removed from my credit report immediately.

3. Hold the collection agency accountable for any violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: IN

Complaint narrative:
As I was reviewing my XXXX credit reports the week of XXXX XXXX, I noticed fraudulent accounts were sitting on the reports. Please remove those from the credit report. It is hurting my ability to obtain credit.

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 2025-02-13 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: MA

Complaint narrative:
My XXXX XXXX accounts have been paid as well as my auto loan. They are both my credit report in negative standing. My auto loan was paid prior to the company charging it off. Not sure why my XXXX XXXX card was on 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 2025-02-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: KY

Complaint narrative:
I have an account and debit card with the company chime I started noticing fraudulent transactions coming off my chime debit card. The money that was being fraudulently debited from my card was going to a subscription for the company instacart. Which I have never opened a XXXX account. Chime was fraudulently taking XXXX each time off my debit card and sending it to instacart whit out my consent or authorization. I even canceled several debit cards and ordered new ones from chime and the XXXX subscriptions still kept being debited to XXXX without my consent or authorization. I called chime about these transactions and even filed a complaint about these fraudulent charges and chime denied me my money back from these fraudulent transactions to XXXX After I did some investigation I found that chime and instacart has an agreement together and chime has linked customers personal information to XXXX company. I have never gave permission to chime or XXXX  to bill my chime card for monthly subscription that I dont use nor did I authorize this fraudulent behavior. This behavior is a act of data breach and identity theft. I would like chime to compensate me for every fraudulent charge that was debited from my card and I also would like to be compensated XXXX dollars for chime handing over my information to a company that I do not do business with and for the emotional distress it has cause me after learning about this fraudulent behavior that I had nothing to do with or consent to this malicious behavior with my personal information.

Company response to consumer: Closed with explanation