vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive tried to reopen my chase bank account. I was told I could reopen the account because one day back in 2021 I got a call from chase fraud dept n they asked if Id attempt to cash a check. I expressed that I wasnt even in XXXX XXXX that I was in XXXX TN preparing for a funeral for my father. At this time the closest chase bank was XXXX miles away so they basically closed my acct behind me not being able to get to the closest branch. Few days passed n a guy called from chase fraud dept telling me I have it was a mistake that I could reopen my account to just return to my home brunch and I could be helped there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I tried to add my Bread Financial American Express Cashback card to XXXX XXXX I was directed to call a phone number by Comenity Bank. When I did, they claimed they sent a passcode to my updated phone number that I had used to apply for the card, but I never received the code. I found this odd, and asked what my recourse was. They then said they would send a letter requesting additional documents ; I never received the letter. 

Through multiple follow up calls, I was asked to email documentation showing a legal name change. I submitted these documents, including my drivers license and social security card, with the same name I applied for this card with. It should be noted at no time did anyone mention this would trigger a fraud alert on my other cards with Comenity Bank. 

After calling again on XX/XX/year> after a declined transaction at XXXX, I was told my card had been frozen but should be corrected. My XXXX card also already had been updated with my new legal name and I had been using this card for several months without issue. 

Upon calling again today, on XX/XX/year>, I was told my Bread Cashback Amex card had been closed because my documents- which again all reflect my legal name- had not passed review. And that my XXXX and XXXX store cards were suspended. I asked to be transferred to Account Protections where I was then told that actually all XXXX cards had been closed. All of my cards were in good standing. The Bread Financial Amex I never got to use as it had just been opened and approved. My XXXX and XXXX cards, however, I have had for several years and use often. 

There was no reason for these cards to be closed for a simple legal name change update. I used the same documents to change my bank accounts and countless other credit cards. I want my accounts restored, as this could potentially negatively impact my credit reports and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Reached out to collections agency as financial institution suggested my account is not on file at all because it was written off. I would like to have this item removed from all three of my credit reports. As it still reflects this one ne
gative one my account that is literally hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: VA

Complaint narrative:
ive recent recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
b'I am a victim of identity theft. XXXX XXXX is reporting XXXX  student loans that I did not authorize or open. I discovered this in XXXX XXXX  after reviewing my credit reports. I submitted an FTC Identity Theft Report (XXXX) confirming these accounts are fraudulent.\n\nNone of these loans were opened with my knowledge or consent. I never signed a Master Promissory Note, received disbursements, or agreed to repayment terms. Reporting these accounts violates 15 USC 1681b (no permissible purpose) and 15 USC 1681a(2)(A)(i) (identity theft exclusion).\n\nThe fraudulent loans are:\n\n$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAll XXXX are being reported with delinquencies that have severely harmed my credit and violated my rights.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have been calling the bank everyday since the restriction was placed on the account. This is a joint account for me and my niece. This started XXXX XXXX and is currently still going on nothing has been resolved. We received a email on XXXX XXXX stating the account would be closed and the money would be transfered or sent in a check neither has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: VA

Complaint narrative:
Subject : Formal Notice of Fraudulent Accounts Immediate Removal Required To Whom It May Concern : This letter serves as formal legal notice that the following accounts reported on my credit file are fraudulent, unauthorized, and must be permanently removed from my credit report immediately : XXXX  Account Number XXXX These accounts were opened and/or reported without my knowledge, consent, or authorization, and therefore constitute identity theft and fraudulent reporting. I have reviewed my reports carefully and can confirm that these are not legitimate accounts tied to me in any lawful manner. You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to fully investigate and remove inaccurate and unverifiable information from a consumers credit file. I am invoking my rights under federal law and demanding that you : Immediately delete the accounts listed above from all versions of my credit report ; Provide me with written confirmation of the removal ; Failure to comply with this request within the legally required time frame will result in immediate legal action, including but not limited to : I HAVE FILLED OUT Formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) ; Lawsuits seeking statutory, actual, and punitive damages for willful noncompliance ; Full pursuit of all legal remedies available to me through retained legal counsel. Understand this clearly : this is not a casual request. If this matter is not resolved swiftly and these fraudulent entries are not removed, I am fully prepared to escalate this issue in court. My legal team is already on standby and prepared to proceed. This is your opportunity to resolve this without litigation. Choose wisely.

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 2025-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Accounts, Inc.
State: ND

Complaint narrative:
United accounts Inc is trying to collect for XXXX XXXX XXXX XXXX XXXX and claiming a debt for over XXXX XXXX dollars and i asked for a detailed credit report of the account which was never provided and they couldn't show proof of debt for a XXXX XXXX  which I've never lived at

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: PA

Complaint narrative:
Disputed accounts showing a balance. These accounts were discharged and balances should be {$0.00}. No investigation was done. Also there are no comments/remarks. That's a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) concerning unverified and misleading derogatory credit information that American Express continues to furnish to XXXX on a closed, charged-off account ( ending in XXXX XXXX XXXX XXXX XXXX ), despite multiple disputes and a lack of full verification. 

The account was closed and charged off, yet Amex continues to report monthly delinquencies long after the charge-off date, including repeated 120-day late notations and CO ( charge-off ) indicators well beyond the closure. This practice creates a false impression of continued non-payment, in violation of the FCRA.

Legal Grounds for Complaint : FCRA 1681i ( 15 U.S.C. 611 ) Requires CRAs to investigate disputed items. Amexs ongoing derogatory reporting was not corrected despite my disputes.

FCRA 1681s-2 ( b ) Obligates furnishers like Amex to : Conduct a reasonable investigation upon notice of dispute, Delete or correct any information found to be inaccurate or unverifiable, Report results to all CRAs where data was furnished.

FTC Advisory Opinion to F.T. Harris ( 1999 ) : Even if the information was accurate at one time, Section 623 ( a ) ( 2 ) requires a furnisher to update or correct information if it has become misleading in light of subsequent events.

Reporting repeated late payments after a charge-off is misleading and deceptive. 
CFPB Bulletin 2014-01 : Reaffirms that furnishers must : Not report data that can not be verified, Avoid furnishing incomplete or misleading information, Correct or delete disputed data if it lacks supporting documentation.

Supporting Documentation ( included with this complaint ) : My original dispute letters sent to American Express and XXXX  Certified mail receipts proving delivery Credit reports ( dated XX/XX/XXXX ) showing continued derogatory marks post-charge-off No substantive response from American Express correcting or verifying the data Timeline of Events : Dispute Filed : [ XXXX XXXX ] No meaningful response received as of : [ XXXX ] Account Reported As Charged Off On : XX/XX/XXXX ( per XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I use chime so I was at work on XXXX I noticed a email asking me if I closed my credit builder account and my savings account I asked no so on my break at work I call chime and told them I didn't request my accounts being closed because I use them to pay bills monthly the lady on the phone said no worries it all want into my debit account and I could still use my debit card if needed so my break was over so my job ended at XXXX XXXX  that nite so I figured I would pay a couple of bills when I got home well when went to open open my account it had only XXXX cents in it so I called chime back and said my account was hacked for XXXX. Because that is what the lady told what I had in account when called on my break and I also checked balance at the same time and it XXXX when I called back about my account being hacked going from person to person finally put in a fraud and was told it could take 10 to 30 days to investigate the problem.i said ok do what you got to do.but then it wasn't even 48 hours later I get a chime message my account refund was denied because it was a friend to friend sent I said could this be I live in NC and this person lives in Florida gave person name and phone number listed.the guy on the phone saying do you got proof I said I was at work when this happened he said well can you send proof of this I said yes I will get a note from boss and schedule so I did and note was on letter head along with schedule again not even two days late claim denied again I said I am turning your company in you r allowing this to happen and not doing nothing able it because last year this happen but not for so much and they did nothing so I call police, FBI, identity theft, XXXX, put a complaint with all and said I was calling a lawyer and putting a lawsuit in then I talked to other people and they all said same thing has happen to them so I believe we r all gon na get together and file a lawsuit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 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: EdFinancial Services
State: CA

Complaint narrative:
b'I am a victim of identity theft. Edfinancial Services is reporting six student loans that I did not authorize or open. I discovered this in XXXX XXXX after reviewing my credit reports. I submitted an FTC Identity Theft Report (#XXXX) confirming these accounts are fraudulent.\n\nNone of these loans were opened with my knowledge or consent. I never signed a Master Promissory Note, received disbursements, or agreed to repayment terms. Reporting these accounts violates 15 USC 1681b (no permissible purpose) and 15 USC 1681a(2)(A)(i) (identity theft exclusion).\n\nThe fraudulent loans are:\n\nXXXX XXXX1  Opened XXXXn\XXXX XXXX  Opened XXXX\n\nXXXX XXXX3  Opened XXXX XXXX-4  Opened XXXXXXXX XXXX-5  Opened XXXX XXXX-6  Opened XXXXAll six are being reported with delinquencies that have severely harmed my credit and violated my rights.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instance of late payments on my account. For which I always pay on time. I have never missed a payment, in the following account. ( XXXX XXXX  ) # ending XXXX .. Im asking if its possible can you please look into this thorough investigation, into these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: SC

Complaint narrative:
I was recently XXXX  on a XXXX  that was over a XXXX  old for something I didnt do and Im awaiting my day in XXXX  to prove my innocence. The charge is XXXX  XXXX  and XXXX  XXXX XXXXXXXX XXXX XXXX The background check company Checkr found the information by running a check and seeing the XXXX  on county records I suppose. It showed that I had pending charges for XXXX  and XXXX XXXX XXXX It also shows that I was fined {$1000.00}, which I was not I was released on a XXXX  XXXX  in the amount of {$1000.00} thats not a fine. That information implies guilt. 

The company checker used that information put on my report and labeled it as consider. As a XXXX veteran, finding work is very difficult for me usually work and drive for XXXX XXXX, XXXX, and XXXX  those companies requested my background check from Checkr, and with that information they terminated my ability to work for their companies. This destroyed my ability to earn supplemental income and support myself and my XXXX XXXX  children I dont qualify for XXXX  or any additional benefits. I dont get XXXX XXXX  for my kids because my ex-wife passed away XXXX years ago that was literally by oldie means to support by my children And the information contained in that background check was the soul decision point in me being terminated. 

The XXXX XXXX system in the United States was founded on the premise of the presumption of innocence and that all citizens are innocent until proven guilty and a court of law. My livelihood should not be impacted by charges and unfounded allegations. My information was disclosed to my employers without my permission in a manner that caused me to lose my job, lose my income and impact my ability to provide for my family. 

The fact that somebody could simply charge you with something whether its true or false and you dont even get the opportunity to have your day in court and yet your livelihood reputation and your finances can be ruined and even after the charges are dropped and Im cleared of any wrongdoing. The damage will have already been done. It will take years to repair that damage. The only thing a background check company should be able to report are convictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Receivables has been reporting on my XXXX credit reports since XX/XX/XXXX and a debt buyer of {$410.00} with reference to collection status. 

I sent correspondence in regard to the matter XX/XX/XXXX and have not received the requested documentation back. Just more request from them for the balance to be paid. 

Resurgent Receivables is not the holder of a negotiable instrument, nor do they get to claim rights under a contract when UCC Article 3 ( 3-302 and 3-305 ) limits who can qualify as a holder in due course.

I am filing a complaint regarding an unverified, inaccurate, and unlawfully reported collection account listed by RC/Resurgent Receivables on my credit report, allegedly for a debt originated by XXXX XXXX XXXXXXXX XXXX XXXX I have no contract with this third party and did not consent to their involvement or reporting. 

Resurgent is reporting as a debt buyer, not the original creditor, and has failed to validate the debt in accordance with 15 U.S. Code 1692g ( FDCPA ). They also can not prove status as a Holder in Due Course under UCC 3-302, and are not a lawful party to any negotiable instrument. I have not received any signed contract, chain of assignment, or itemized proof of the amount owed.

Additionally, they may be in violation of : 15 USC 1681s-2 ( FCRA ) furnishing inaccurate or unverifiable information 15 USC 1681b lack of permissible purpose to report to my credit file 15 USC 1692e misleading representation of debt Their actions are damaging my credit and financial reputation unfairly. I request that the CFPB investigate this entity and require the immediate removal of this collection entry from my credit report due to unlawful reporting, lack of privity, and absence of a valid, verified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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 had a former room mate that used my credit info and person info to open accounts that are not mine. I want to remove these things from my credit report because they are not mine. Please do this dispute the right way, like the CFPB lawsuit says you have not been doing. Thank you.

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