vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
XXXX also known as XXXX XXXX XXXX Subject : Dispute and Request for Immediate Discharge of Student Loan Debt Due to FERPA Violation I am writing to formally dispute my student loan obligation due to a clear violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA explicitly protects the confidentiality of student records, and your failure to uphold these protections has resulted in the unauthorized disclosure and compromise of my personal and financial information.

As a loan servicer, you have a legal responsibility to safeguard my educational records and personal data. This breach constitutes a direct violation of FERPA, exposing me to significant financial and privacy risks. Given the severity of this violation and the detrimental impact on my personal and financial well-being, I hereby request that my student loan debt be immediately canceled and discharged in full.

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 2025-04-03 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: GA

Complaint narrative:
XXXX also known as XXXX XXXX XXXX Subject : Dispute and Request for Immediate Discharge of Student Loan Debt Due to FERPA Violation I am writing to formally dispute my student loan obligation due to a clear violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA explicitly protects the confidentiality of student records, and your failure to uphold these protections has resulted in the unauthorized disclosure and compromise of my personal and financial information.

As a loan servicer, you have a legal responsibility to safeguard my educational records and personal data. This breach constitutes a direct violation of FERPA, exposing me to significant financial and privacy risks. Given the severity of this violation and the detrimental impact on my personal and financial well-being, I hereby request that my student loan debt be immediately canceled and discharged in full.

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 2025-04-03 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-04-03 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
Subject : Inaccurate Late Payment and Balance Reporting Today Mastercard ( Account Ending XXXX ) I am submitting a formal complaint against Continental Finance Company ( CFC ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for inaccurately reporting my account status and violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I enrolled in a financial hardship repayment plan offered by CFC, which established : Fixed monthly payments of {$55.00} 5 % APR No late fees or maintenance fees Account closure with no further charging privileges Despite making my XXXX payment on XX/XX/XXXX, and another payment in XX/XX/XXXX, my credit report now shows : A {$110.00} balance, suggesting I missed a payment ( which I did not ) A XXXX late payment, which is incorrect under the terms of the agreement This violates : 1. FCRA 1681s-2 ( a ) : Furnishers must report accurate data 2. FCRA 1681i : Credit bureaus and furnishers must investigate and correct disputes within 30 days 3. FDCPA 807 ( 8 ) : Prohibits knowingly furnishing false information to a credit bureau I have contacted CFC, who confirmed my XXXX payment was received, yet the inaccurate reporting remains. This reporting is harming my credit score and my ability to secure housing and credit during financial hardship.

Relief Requested : Immediate removal of the inaccurately reported 30-day late payment Correction of the reported balance to reflect the accurate status Written confirmation of the updated information Investigation into CFCs credit reporting practices I am attaching my hardship agreement letter and proof of payment, and will provide further documentation upon request. 

Please ensure this matter is fully investigated and resolved. I am seeking CFPB enforcement if the violations are not corrected.

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 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Timely Payment Made XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account 2. Timely Payment Made XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove late payments and update account 3. Timely Payment Made XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove late payments and update account 4. Timely Payment Made XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account 5. The following is an invalid late payment XXXX Account Number : XXXX Please remove late payments and update account 6. Timely Payment Made XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account 7. Timely Payment Made XXXX XXXXXXXX Account Number : XXXX Please remove late payments and update account In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my credit report. It is my understanding that you will verify these items with the relevant creditor. Please eliminate any information that can not be verified by the creditor. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter. 

Kindly send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Furthermore, I request that you notify any individuals who have received my credit report in the past six months about the corrections made. 

Thank you for your time and assistance in resolving this matter.

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 2025-04-03 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: FL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Timely Payment Made XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account 2. Timely Payment Made XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove late payments and update account 3. Timely Payment Made XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove late payments and update account 4. Timely Payment Made XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account 5. The following is an invalid late payment XXXX Account Number : XXXX Please remove late payments and update account 6. Timely Payment Made XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account 7. Timely Payment Made XXXX XXXXXXXX Account Number : XXXX Please remove late payments and update account In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my credit report. It is my understanding that you will verify these items with the relevant creditor. Please eliminate any information that can not be verified by the creditor. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter. 

Kindly send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Furthermore, I request that you notify any individuals who have received my credit report in the past six months about the corrections made. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I personally feel racially targeted by Trans Union credit Bureau. I personally feel that they are working with the other credit bureau that I have in arbitration right now. Based on my race and gender, my personal credit card usage. Within an abusive and targeting manner with the intent to Intentionally hurt or destroy my credit card history or My credit limit. I have solid evidence that my credit card usage was Soley affect by fraud committed from another credit bureau that I currently have a case against in arbitration. Why Tran Union did not send this in XXXX, XXXX nor Prior Trans Union sent a letter on or around the time to synchrony bank or a monthly credit report that simply listed some information within this arbitration complaint case that is current at this point and time. On or around the time I applied for a loan from a bank on or around the time I sent my complaint to the other credit Bureau Lawyer requesting a settlement, I find the action of Trans Union very questionable and fishy the month of XXXX was when I sent in my request and complaint to the other credit bureau lawyer through the arbitration portal. I want my complaint Looked into by the Attorney General and the highest ranked person within the CFPB to see the direct copresence from Trans Union and the other Credit Bureau REGAURDING MY CREDIT Consumers Financial Protection Bureau. Trash union has targeted me within the same manner of the other credit bureau company regarding my department store credit card Within the same manner, this isn't no coincidence. I want a racial complaint filed on Trans Union. This is another reason why I fill like this is retaliation They reported that I did not have a secure home loan I never had one and made derogatory remarks regarding my credit card usage within a retaliation manner of prior complaint on this company and other credit bureaus. I have Solid evidence that my finical income was simply interrupted when the other credit bureau committed fraud pertaining to my credit report. I feel that Trans Union has targeted me when I'm in the process of already fighting with the other credit Bureau to protect my credit. I personally feel that Trans Union is in cahoots with the other credit company that I have in arbitration at the current time. and I personally feel that this is retaliation from Trans Union. And the Credit bureaus that is all linked with each other 's companies Trans Union is in cahoots with the other credit bureau agency. If Trans Union was not in cahoots with the other credit bureau agency, they would have never sent that letter pertaining to the home loan. regarding my credit, the wording within the matter of my credit report to synchrony bank is very questionable.

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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX. 

I rented an apartment at XXXX XXXX XXXX XXXXXXXX, and upon the ending of my rent, the company issued a check for deposit return. 

I deposited the check online at Chase Bank. Chase wanted to verify the check by contacting the check issuer, XXXX XXXXXXXX XXXX XXXX. However, the phone number they are using for the banking/check was not theirs. The number was indeed registered under another entity according to the official records that Chase is accessing to. At the same time, Chase put the fund on hold and informed me that my checking account would be shut down if the issue doesn't get resolved on time. 

I contacted the CFO of XXXX XXXXXXXX XXXX XXXX so I could get a phone number. In addition, I informed the XXXX, XXXX XXXX that the only way Chase can release the fund is when they verify the issuer of the check through phone call. 

As you can see the email loop I attached, the CFO is stating that there is nothing she can do on her end as their business can be run legally without a legitimate phone number registered under their name. Their bank, XXXX XXXXXXXX XXXX can not reclaim the fund back from Chase as it is not a fraud and as the fund was successfully released from the bank. They suggested to have Chase to refund the fund back to XXXX XXXX bank as Chase can not verify the entity of check issuer. However, the representative of the financial department at Chase says that is not an option for them. 

The CFO is currently not responding to my emails to resolve this issue. In the meantime, my checking account at Chase has been shut down permanently. Chase is refusing to release my fund without verifying the issuer through its valid number. 

I do not know what to do. I have been contacting Chase and XXXX XXXX XXXX XXXX for the last 4 months. 

I hope the government can help me in any way possible. I feel hopeless. 
Thank you for reading my case, and have a good one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I established a joint account with Bridgecrest on XX/XX/XXXX. By XX/XX/XXXX, the vehicle began to experience significant issues, leading to the surrender of the car at the start of XXXX. Bridgecrest continues to report this account as open and current, despite its closure for over seven years. The company has declined to amend or update the status to reflect the closed nature of the account, which has exceeded the statute of limitations applicable to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax to request an early exclusion of a charge-off account with a Date of First Delinquency of XX/XX/XXXX. According to the Fair Credit Reporting Act, the account is scheduled to be removed after 7 yearsin XX/XX/XXXX. I was advised by an Equifax representative that instead of processing my early exclusion request, they initiated a dispute on my behalf, which I did not ask for. 

I am not disputing the accuracy of the accountI am requesting early removal based on standard exclusion policy, which Equifax allows up to 3 months before the 7-year fall-off date. This incorrect handling of my request delayed resolution and potentially updated the account in a way that further hurts my credit profile. 

I am requesting assistance from the CFPB to have this account removed early as requested, in accordance with Equifaxs standard early exclusion practices and FCRA compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF Items TO BE REMOVED XXXX XXXX BALANCED {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX BALANCED {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CO XXXX XXXX BALANCED {$200.00} XXXX XXXX BALANCED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief