vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: KY

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jana Ferrell & Associates LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the information reported on my credit report regarding Consumer Portfolio Services. This account is listed as a " charge-off ''. However, I have not received a Form 1099-C ( Cancellation of Debt ) from the creditor, which may indicate the debt has not actually been forgiven or canceled. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this item and ask that you verify its accuracy with the original creditor. If the creditor has not officially canceled the debt, the charge-off status is misleading and inaccurate. If the creditor has canceled the debt, they are required to issue a 1099-C, which I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  debt was paid in full with no balance due. They are reporting negative balance on credit reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  took XXXX from the card I had to wait until the charges settled i filed a dispute. I was told by chime that XXXX  tried to take money in XXXX a couple of times bit it was bo money on the card and in XXXX no money on the card. I had gotten a new card from chime. And chime allowed XXXX  to take the money off the card. I was no longer set up with auto pay as of XXXX on the XXXX account and the card had changed. XXXX did not have the new card. The new card was just activated. I filed the dispute on XX/XX/XXXX and on XX/XX/XXXX they said the dispute was closed. I asked why I have my proof they said XXXX provided info. I asked for that info on XX/XX/XXXX. I was told I would receive the info within 10 day and I didn't not get any info. I called today and I was told they sent the info on XX/XX/XXXX. Did not receive it. I looked at my email and it was the original email that said they made the decision based on the transaction history. It was no history. No dispute was done with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Considering I had no involvement in opening these fraudulent accounts and was not aware of their existence, I ask that they be deleted from my credit report. I demand that they be taken away within 15 days in accordance with USC 1681g. Attached are supporting materials.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have many inquiries I did not authorize on my credit profile : capital. one XXXX capital one:XXXX XXXX XXXXXXXX XXXX cap1XXXX capital oneXXXX capital one XXXX XXXX capital oneXXXX capital oneXXXXXXXX XXXXXXXX cap one naXXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I am writing XXXX formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts XXXX have them removed. These accounts are causing significant damage XXXX my financial reputation XXXX  overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason XXXX report them without my explicit consent. Please refer XXXX  the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair XXXX accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, XXXX unfair credit reporting methods undermine the public confidence, which is essential XXXX the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed XXXX  what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-08 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:
Subject : Second Dispute Inaccurate Reporting on Active Account in Violation of FCRA XXXXe ( b ), XXXXi ( a ), and XXXX ( b ) To Whom It May Concern, This is my second formal dispute regarding an active XXXX XXXX  XXXX credit card account ( ending in XXXX XXXX XXXX XXXX  XXXX ) that continues to be reported with derogatory status ( late payment ) by Equifax XXXX XXXX, even though : The account is currently open, active, and in good standing. 

The last reported delinquency dates back to XXXX, and the account has remained consistently paid on time since then. 

TransUnion is correctly reporting the account as positive, without any derogatory marks. 

Account Snapshot : Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : ~ {$3600.00} Account Status : OPEN across all three bureaus Delinquency in Dispute : One 30-day late from XXXX ( already outdated and no longer relevant to current standing ) Current History : Over 5 years of uninterrupted on-time payments VIOLATIONS OF FEDERAL LAW FCRA XXXXe ( b ) : Requires credit bureaus to maintain maximum possible accuracy. 
Continuing to label this account as negative despite a long and clean payment history is misleading and inaccurate. 

FCRA XXXXi ( a ) : CRAs must reinvestigate any disputed information and correct or delete inaccurate data within 30 days. 
Since the original delinquency is years old and no longer reflects the actual risk, its continued presence is not justified. 

FCRA XXXX ( b ) : The furnisher ( XXXX XXXX  XXXX ) must conduct a reasonable investigation when informed of a dispute and ensure corrections are made across all reporting bureaus. 
That XXXX updated their reporting, while Equifax and XXXX did not, suggests either negligence or noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: KS

Complaint narrative:
My account has been compromised due to recent unauthorized access incidents and XXXX has failed to properly apply measures outlined in federal policy. My student loan data along with servicing errors and misinformation on repayment statements etc have failed to safeguard my private information as well as made handling my loan account delayed or impossible..

Company response to consumer: Untimely response
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-08 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-08 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: SC

Complaint narrative:
Inaccurate information on my credit report on all my accounts inaccurate information on my credit reports is violation my fcra 1681i law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-08 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: CA

Complaint narrative:
I am disputing the accuracy and integrity of the information being reported by XXXX XXXX ( XXXX ) on my credit report. This account is currently listed as charged off with a balance of {$1600.00}, but there are multiple violations of the Fair Credit Reporting Act ( FCRA ) and inaccuracies that must be addressed.

1. Re-aging of debt ( FCRA 623 ( a ) ( 5 ) ) The account shows inconsistent and escalating balance updates from {$250.00} in XX/XX/year> to {$1600.00} within a few months, even after being charged off. This suggests improper re-aging of the account to make it appear more recent and active than it is, which is unlawful.

2. Inaccurate payment history ( FCRA 607 ( b ) ) The payment history is incomplete and inconsistent. It shows late payments over many months, yet there are missing payment dates, irregular entries, and no record of any recent payment activity, violating the requirement to report with maximum possible accuracy.

3. Inconsistent balance reporting The balance jumps erratically with no clear payment or fee structure. For example, in XXXX XXXX  the balance is listed as {$250.00}, yet by XXXX and XXXX, it sharply increases with no clear explanation. This violates Metro 2 compliance standards for consistency in reporting.

4. Dispute not resolved correctly ( FCRA 611 ) The account includes the note Account previously in dispute investigation complete, but the inaccuracies were not corrected. If the furnisher can not verify accurate reporting, they are required to delete or correct the tradeline they did not.

5. Misleading status The account shows closed at credit grantors request and charge off, yet continues to show activity and balance updates, which is contradictory and misleading. This creates confusion for lenders and violates the principle of fair and accurate reporting.

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