vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: WA

Complaint narrative:
I am filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : Under FCRA 15 USC 1681b ( c ), a hard inquiry must be made only with a permissible purpose and consumer authorization. Unauthorized inquiries violate the consumers rights and may cause damage to their credit score. 
Story : I did not authorize this inquiry with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am requesting you to verify whether permissible purpose and proper authorization were obtained. If it can not be verified with documentary evidence, this inquiry must be removed immediately from my credit report. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Law Issue : In accordance with FCRA 15 USC 1681b ( a ), consumer reporting agencies may only provide credit reports to entities with a legitimate need and valid authorization. Unverified inquiries without consent are considered violations. 
Story : I never gave consent to XXXX XXXX XXXX to run a hard inquiry on XX/XX/XXXX. I request that this inquiry be immediately removed unless you can provide documentation showing I authorized this access to my credit file. 
I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filled a claim after being out of town for 2 weeks And noticed {$8000.00} missing from my bank account and the bank told me I needed to file a statement of dispute at the bank so I did Friday and come Monday the bank closed my claim not in my favor keeping my money because they are saying I did not fill this form out that I filled out at my local branch and had faxed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/year> I received a text message regarding a possible charge to XXXX for {$350.00}, was is it me. Reply yes or no. Well I replied No and got a response saying a representative will contact me shortly. I received a phone call from from an XXXX which then said that they were going to transfer me to the fraud department to secure my account. Was transferred to the fraud department and begin to secure my account. Then the phone hung up and all my money had been transferred to some person I have no idea who it is. I immediately called the number that called me back and it was in fact my banks number. I told them what happened, replaced my cards, changed my passwords, setup two step verification, filed a dispute. Then the phone first dispute was denied so I called and filed an another dispute to reopen the investigation, which was also denied. That was all of my money, they le! me with XXXX and dont know what else to do. I then went and got a police report and sent it then and again was denied. I also filed an ic3 complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Final Legal Demand for Verification, Flow Sheet, and 1099-C Documentation To Whom It May Concern, This letter serves as a formal dispute and final demand for proper verification of the following accounts listed on my Equifax credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ). 

Accounts Being Disputed : XXXX XXXX Acct # : XXXX Late Payment {$510.00} XXXX XXXX  Acct # : XXXX Late Payment {$3900.00} XXXX Acct # : XXXX Late Payment {$1200.00} XXXX XXXX Acct # : XXXX Late Payment {$0.00} XXXX  XXXX Acct # : XXXX Charge-off {$4600.00} XXXX Acct # : XXXX Charge-off {$1500.00} You are legally required to conduct a manual, detailed reinvestigation not a third-party electronic verification through e-Oscar or similar automated platforms. The law mandates that credit reporting agencies verify accounts with actual documentation and direct source verification. 

For each account above, I demand the following : The first and last name, job title, and contact information of the individual ( s ) who physically verified the account. 
A full flow sheet documenting each step of your reinvestigation. 
A copy of the original signed contract or credit application. 
A complete billing/payment history from the original creditor. 
A copy of the IRS 1099-C form if the debt was reported as a charge-off. 
Important Legal Clarification : For accounts labeled as charge-offs, specifically XXXX  XXXX and XXXX, please be advised : If the creditor forgave or canceled over {$600.00} of debt, they were legally obligated to issue a 1099-C Cancellation of Debt form and report it to both the IRS and the consumer.

I never received a 1099-C form. That means either : The account was not truly canceled, and you are reporting inaccurate information, or The account was canceled, and failure to issue a 1099-C is a violation of IRS and FCRA laws XXXX 

Either way, these accounts are legally unverified and must be removed. 

What is NOT Acceptable : A Verified note without supporting documentation. 
The phrase meets FCRA requirements without proof. 
Any response from or reliance on e-Oscar or a third-party data vendor. 
You have 30 days to respond with : Full documentation Flow sheet Verifiers contact Signed agreements 1099-C documents ( where applicable ) Failure to comply will result in formal complaints filed with the CFPB, FTC, and the Illinois Attorney Generals Office, as well as potential legal action for negligent and willful FCRA violations. 

This letter and all supporting evidence are being retained for legal record and use. 

Sincerely, XXXX XXXX SSN : XXXX XXXX  XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx, XXXX XXXX XXXX XX/XX/XXXX Transunion Legal department XXXX XXXX XXXX  XXXX, XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being 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 2025-07-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-21 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: CT

Complaint narrative:
I have not done business or attempted to do business with these companies they are fraudulent. They are from the XXXX  date breach please remove them asap they are not an accurate reflection of my score

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MT

Complaint narrative:
I had an account with Navy Federal Credit Union ( NFCU ) ending in XXXX. I reached a formal written settlement agreement with NFCU to settle this account in full for less than the balance. This settlement was completed, and I paid the agreed amount in full. I have proof of the settlement agreement and the payment. 

Despite this, NFCU has improperly transferred this account to a third-party collection agency. This violates the settlement terms since the account was resolved and no further balance should have been owed or assigned. As a result, this account is inaccurately being reported as in collections and/or showing an open balance, which is materially false. 



I have attached the NFCU settlement agreement and proof of payment for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX  TX XXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Texas XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-21 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: MO

Complaint narrative:
I HAVE SENT MY PAPERWORK TO THE BEUROS AND THEY DID NOT CARE ABOUT IT NOR ME NOR MY DOCUMENTATION. PLEASE HELP ME GET THIS RESOLVED BECAUSE BEROS THEMSELVES CANT DO ANYTHING AND I AM STARTING TO WORRY ABOUT MY NAME AND IDENTITY BECASE I DONT ANT THIS KIND OF SITUATIO TO HAPPEN AND NOT GET SOLVED PROPERLY BUT THATS HOW THEY MADE ME FEEL.

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 2025-07-21 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: MO

Complaint narrative:
I HAVE SENT MY PAPERWORK TO THE BEUROS AND THEY DID NOT CARE ABOUT IT NOR ME NOR MY DOCUMENTATION. PLEASE HELP ME GET THIS RESOLVED BECAUSE BEROS THEMSELVES CANT DO ANYTHING AND I AM STARTING TO WORRY ABOUT MY NAME AND IDENTITY BECASE I DONT ANT THIS KIND OF SITUATIO TO HAPPEN AND NOT GET SOLVED PROPERLY BUT THATS HOW THEY MADE ME FEEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Subject : FERPA Privacy Violation Complaint and Request for Student Loan Discharge Due to Federal Data Breach Dear CFPB and SPPO Officers, I am writing to formally submit a privacy complaint under FERPA and request full dismissal of my federal student loan debt due to a serious violation of my rights related to a federal data breach and unauthorized disclosure of my personally identifiable information.

It has come to my attention that the U.S. Department of Education permitted personnel from the Department of Government Efficiency ( DOGE ) to access sensitive federal student aid databases without obtaining borrower consent, proper oversight, or transparency. This access reportedly included confidential records such as : Social Security numbers Loan balances and repayment statuses Tax data and income verification Educational background and enrollment history As a borrower, I never authorized such disclosures or usage beyond loan processing and servicing purposes. These actions represent a direct violation of FERPA, the Privacy Act, and potentially the Internal Revenue Code, and have caused significant distress, financial vulnerability, and a loss of trust in the systems designed to protect students privacy.

Moreover, this breach aligns with the broader concerns raised in the public sphere, such as the XXXX XXXX AI data breach revelations, which show the increasing frequency and scale of unauthorized access and misuse of private educational and financial data for testing, profiling, or government analysisoutside legal or ethical boundaries. 

In accordance with FERPA and federal privacy laws, I request the following : A full investigation into the improper data disclosures involving DOGE personnel.

Immediate action to dismiss and discharge my federal student loan obligations, as the federal government has failed in its duty to safeguard my protected data.

Written confirmation that my complaint has been received and that appropriate action will be taken.

I have included a completed FERPA complaint form for your review and action. I request that this matter be handled with the urgency and seriousness it deserves, as the breach of student borrower privacy is both unlawful and unconscionable.

Please contact me if additional documentation or clarification is required. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was a victim of identity theft. XXXX unauthorized transactions occurred on my Chime account : XXXX XXXX charges ( {$2.00} and {$21.00} ) and a XXXX XXXX transfer for {$880.00}. My account was accessed without permission, and I never received confirmation after changing my password on XX/XX/XXXX I contacted Chime immediately, filed an FTC identity theft report, and requested they block the transactions, but they told me to wait until they posted. I am now disputing them, but the delay caused me to fall behind financially. I asked for information about how my account was accessed and how the fraud happened, but Chime has not explained anything or offered a temporary credit. I need my funds urgently restored. 

I honestly believe my account was accessed due to security failure on Chimes side, especially since my password change was never confirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
According to the law 15 USC 1681c-2 it is illegal to report anything on my credit report without my knowledge. Please remove this inaccurate account off of my credit report. Account Number XXXX XXXX XXXX XXXX XXXX : XXXX ref # : XXXX Thank you.

Company response to consumer: Closed with non-monetary relief