vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account NumberXXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXXXXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was unaware of the unpaid dept, When i checked my credit report i found out there were an unpaid insurance debt which is causing negative impact on my credit. I immediately contacted the debt collector and paid the full balance and requested the negative report to be remove from my credit profile. The company have not taken any action to remove the negative file on my profile and it is impacting me financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$320.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX 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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wellsfargo and XXXX XXXX XXXX XXXX refuses to send me a 1099 for the charge off amount of a vehicle loan that shows charged off on my credit report. This is fraud because they have gotten a tax credit for this amount wrote it off and refuse to remove it off my credit report during XXXX they refused to give me additional payment options for XXXX victims I have sent certified letters asking that this deft be removed from my credit report on XX/XX/XXXX and XX/XX/XXXX. I had a data breach with XXXX leaking all my personal data and won so I ask that all the debt showing on all XXXX my credit reports be removed due to this data breach!

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 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 

XXXX. Account Validation Request - Creditor Name : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Requested Action : Delete account. 


# # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ). 

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. 

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I was using Chime 's direct send feature to receive money from a friend. However, when my friend attempted to send money, her account displayed that I only had a XXXX in my account. While my account balance was accurate, the issue arose because the senders account was showing this balance, which exposed my financial information to a group of people during a social event. This caused public humiliation and severe emotional distress. I was embarrassed, and my financial situation was mocked by others. The situation escalated to the point where I had to leave the gathering, feeling deeply shaken and upset. The breach of my privacy has made me feel unsafe with the platform, and I no longer trust the security of my account.Ive reached out to Chime 's support team and requested an urgent resolution. I provided them with the details of the issue, including screenshots of the situation, and I asked for fair compensation and acknowledgment of the distress caused. However, they have not yet provided a satisfactory resolution or timely response.I am requesting a formal investigation into this issue, along with appropriate compensation for the emotional distress and public embarrassment caused. I believe the platform must take responsibility for the breach of privacy and address this glitch in the system to prevent future incidents. I would like Chime to implement additional safeguards to ensure that such information is not exposed through the direct send feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX  XXXX - Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX  - Opened XX/XX/XXXX with a balance of {$610.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 non-monetary relief
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 
nauthorized Inquiry - Creditor Name XXXX XXXX XXXX XXXX XXXX  - Date of Inquiry : XX/XX/2023 - Requested Action : Remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-02 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I am filing this complaint against Advantage/Maximus XXXX for failing to properly update my student loan account in accordance with federal laws and regulations.

1.Violation of FERPA ( 20 U.S.C. 1232g ( b ) ) : My student loan account is considered part of my educational records, which are protected under the Family Educational Rights and Privacy Act ( FERPA ). This company has engaged in unauthorized disclosure and trading of my personal and financial information without my consent. They have also securitized my student loan and attached a CUSIP number to my account, which has not been disclosed to me.

2.IRS Form 1099-C Confirms Loan Discharge : I have an IRS Form 1099-C issued by Advantage/Maximus XXXX CEO, confirming that this debt has been forgiven and discharged in accordance with IRS regulations ( 26 U.S. Code 61 ( a ) ( 12 ) and 26 CFR 1.6050P-1 ). Despite this, the company continues to misreport the account status instead of marking it as paid as agreed.

3.Securitization & Trading of My Loan Without Consent : The company has filed securities exchange documents related to this loan, proving that they have been trading my personal information as a security. Under 15 U.S. Code 1692e ( 2 ) ( A ) ( False Representation of the Character, Amount, or Legal Status of a Debt ), this is deceptive and misleading.

4.FCRA & Consumer Rights Violations : The company is failing to accurately report the account to credit bureaus and is engaging in unfair and deceptive practices by refusing to update my account status to paid as agreed, despite legal proof that the debt has been satisfied.

Resolution Requested : I demand that Advantage/Maximus XXXX : Immediately update my account status to paid as agreed in all their records and with all credit reporting agencies.

Provide full disclosure of all securitization transactions related to my student loan, including CUSIP documentation and any associated securities filings.

Cease any further collection actions and confirm that the account is correctly updated in writing within 10 business days.

Supporting Documents : Copy of IRS Form 1099-C issued by Advantage/Maximus XXXX XXXX 
Documentation proving securitization ( CUSIP attached to the loan ). 
Any past correspondence with the company regarding this matter. 

Failure to comply with this request will result in further legal action and complaints to the SEC, FTC, and the Department of Educations FERPA Compliance Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 

# # # Disputes : 1. Unauthorized Inquiry - Creditor Name : XXXX XXXX - Date of Inquiry : XX/XX/year> - Requested Action : Remove the inquiry.

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 2025-03-02 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: ID

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX XXXX my check was direct deposited into my checking account. My check was {$10000.00}. 
I transferred {$5000.00} into XXXX saving account paid some bills then transferred {$2000.00} into my second savings account. A few hours later I logged into my Bank of America account and a warning popped up that said XXXX of more of your accounts has been locked please call us. I called immediately and sat on hold for a total of XXXX hours and XXXX minutes before someone answered. In between waiting for someone to answer I actually drove up to the branch while still on hold. In the branch I was told that I had to remain on hold, however they looked at my account and told me on their end they can see that my accounts will be closed. They couldnt provide an explanation as to why. When someone finally picked up the phone, the only information I was given is that my account is under investigation for XXXX hours. I inquired as to why no one reached out to me to inform me about my accounts being locked. I was told someone would reach out. To this moment my accounts are still locked and no one has reached out to explain a thing to me. I am suppose to pay for my wedding next week and now is at risk of not having a wedding and losing the deposits I already paid due to all of my money being tied up. This is completely unacceptable and inconsiderate as I have children and a life that need funds to maintain it.

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