vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: CO

Complaint narrative:
I am submitting a formal complaint against TransUnion for failing to conduct a proper investigation into my disputes and for erroneously claiming that my communications were submitted by an unauthorized third party. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail ( Tracking # XXXX ), challenging inaccurate personal information and account listings on my credit report. To ensure proper verification of my identity, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address Despite my direct submission and the inclusion of all necessary supporting documentation, on XX/XX/year>, I received a response from TransUnion stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is inaccurate and concerning, as I personally prepared and mailed the dispute without the involvement of any third party. 
In an effort to resolve the matter, I mailed a second dispute letter on XX/XX/year>, again directly from myself and with all required verification documents. However, to date, TransUnion has failed to provide any response or conduct the required reinvestigation. 
Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally obligated to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information on their credit file. By repeatedly rejecting my valid and properly submitted disputes, TransUnion has failed to comply with its obligations under federal law and has wrongfully dismissed my requests. 
I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that TransUnion adheres to the requirements of the FCRA.

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 2025-04-29 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 am submitting this complaint to report a violation of the XXXX XXXX Rights and Privacy Act ( XXXX ) that appears on my credit report. My credit report contains education-related information/accounts that were reported without my consent. Under XXXX, educational institutions are prohibited from disclosing student informationincluding financial obligationsto third parties such as credit bureaus without prior written authorization from the student. 
These entries are a clear violation of my federal rights under XXXX and are negatively impacting my credit standing. I am requesting the Consumer Financial Protection Bureau to investigate this matter and require the credit reporting agency to : Immediately investigate and identify the source of the XXXX violation. 
Remove any and all education-related data that was reported without consent. 
Provide a formal response outlining their findings and actions taken. 
I have attached a copy of my credit report highlighting the entries in question, along with a copy of my identification. 
Thank you for your assistance in protecting my privacy and correcting these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I am submitting this complaint to report a violation of the XXXX XXXX Rights and Privacy Act ( XXXX ) that appears on my credit report. My credit report contains education-related information/accounts that were reported without my consent. Under XXXX, educational institutions are prohibited from disclosing student informationincluding financial obligationsto third parties such as credit bureaus without prior written authorization from the student. 
These entries are a clear violation of my federal rights under XXXX and are negatively impacting my credit standing. I am requesting the Consumer Financial Protection Bureau to investigate this matter and require the credit reporting agency to : Immediately investigate and identify the source of the XXXX violation. 
Remove any and all education-related data that was reported without consent. 
Provide a formal response outlining their findings and actions taken. 
I have attached a copy of my credit report highlighting the entries in question, along with a copy of my identification. 
Thank you for your assistance in protecting my privacy and correcting these errors.

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 2025-04-29 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: SC

Complaint narrative:
After reviewing my credit report I noticed the fraudulent collections listed on my credit report. The negative collections are hurting my ability to obtain new credit. Please remove the negative collections from my credit 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 2025-04-29 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: SC

Complaint narrative:
After reviewing my credit report I noticed the fraudulent collections listed on my credit report. The negative collections are hurting my ability to obtain new credit. Please remove the negative collections from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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, Texas XXXX XXXX XXXX My social security number is XXXX * * Subject : XXXX XXXX XXXX Equifax, TransUnion, and Furnishers for FCRA Violations and Credit Harm * * To the Consumer Financial Protection Bureau ( XXXX  ), I am filing a formal complaint regarding systemic failures by Equifax, TransUnion, and multiple data furnishers to comply with the Fair Credit Reporting Act ( XXXX  ) and XXXX XXXX Compliance guidelines. These entities have allowed unverified, inaccurate information to severely damage my creditworthiness, resulting in a * * XXXX point XXXX XXXX drop * * and denial of critical financial opportunities ( housing, auto loans, credit ). 

# # # * * Background of Violations * * Despite submitting detailed disputes to Equifax and TransUnion ( via certified mail on [ insert date ( XXXX ) ] ), both bureaus negligently retained the following unverified accounts, violating XXXX U.S.C. XXXX : XXXX. * * XXXX BANK * * : Falsely reported as delinquent without validation. 
XXXX. * * XXXX XXXX XXXX * * : Inaccurately labeled late despite on-time payments. 
XXXX. * * XXXX XXXX * * : Conflicting statuses across reports ; no proof of delinquency. 
XXXX. * * XXXX  * * : Erroneous delinquency marks, disregarding payment records. 

The furnishers of this data failed to investigate or correct errors as required under FCRA XXXX ( b ), and the bureaus ignored their duty to reasonably reinvestigate. This collective negligence has caused devastating financial and emotional harm, obstructing my ability to secure basic necessities. 

# # # * * Request for CFPB Intervention * * I urge the CFPB to : XXXX. Investigate Equifax, TransUnion, and the listed furnishers for XXXX XXXX XXXX. 
XXXX. Demand immediate deletion/correction of all inaccuracies. 
XXXX. Ensure compliance with federal law to prevent further consumer harm. 
XXXX. Explore punitive measures for reckless reporting practices. 

# # # * * Conclusion * * The CFPB must hold these entities accountable for their disregard of federal law and the profound harm inflicted on my financial stability. Failure to resolve this matter will compel me to pursue all legal remedies, including litigation under FCRA XXXX for willful non-compliance. 

Sincerely, * * 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 2025-04-29 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: MI

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. After reviewing my credit report, I have discovered several fraudulent accounts and inquiries that I did not authorize. These accounts were opened and inquiries made using my personal information without my consent. I am requesting the removal of these fraudulent entries from my credit report, as they do not belong to me. Accounts XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$73000.00} Inquiries XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX these are the accounts and inquiries that do not belong to me these account is fraudulent and needs to be removed from my credit report or law suit actions will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. After reviewing my credit report, I have discovered several fraudulent accounts and inquiries that I did not authorize. These accounts were opened and inquiries made using my personal information without my consent. I am requesting the removal of these fraudulent entries from my credit report, as they do not belong to me. Accounts XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$73000.00} Inquiries XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX these are the accounts and inquiries that do not belong to me these account is fraudulent and needs to be removed from my credit report or law suit actions will be filed.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
in XXXX or XX/XX/year>2023 I responded to an offer on the BofA website. I can't find my paperwork but it was an offer for bonus miles or points ( I believe 60,000 or 75,000 ) on a 0 % card for 18 months with reward points of about 1.5 points for every dollar spent. I thought all was ok until today I went to check and there are no miles or points in my acct. I know there was a bonus involved because I spent {$4000.00} in 3 months ... this is not anywhere near my usual cc spending. I have 6 or 8 other cards with various banks that I could have used .. Now, they say the terms have changed and this current card is 0 % interest only with no benefits. I have asked to see the offer they advertised on their website in 2023. One person after another said they can't access it. I need help accessing that offer. I think they would have to keep those records or it is a violation. My bank is BofA Nat ' l Assoc ... my credit card ending in XXXX. It makes no sense that I would select a card with no benefits when every day there are offers from 5 or 6 banks 0 % interest with benefits. My credit has been excellent for years so I would have my choice of any bank ... any card ... I believe I am a victim of fraud and elder abuse.

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 2025-04-29 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/XXXX o attempted to make a purchase in XXXX XXXX for {$260.00} but the transaction did not complete. It took the money from my account on Chime but did not result in a complete transaction on the store side as it didn't generate a receipt. At the time the owner advised the hold would automatically release and no funds were taken and I had to pay with another form of payment. I did use my XXXX XXXX debit card and the tender was accepted printed a receipt for the transaction. I immediately filed a dispute. ( # XXXX ) I described what happened and a few days later provided a screenshot from my bank and the receipt. On XX/XX/XXXX I called the Chime the rep advised they could only make notes. No adjustments have been made to refund my account. Additionally, they expect a XXXX day wait on investigations which is ridiculous. I work in the financial industry that is not the normal time frame for refunds. Please investigate the practices of Chime. I should not have to wait that long given the information that was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: HI

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: DC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
On XX/XX/XXXX, I trusted someone I knew who promised to help me get money through my Chase checking account. I gave him my debit card which I regretted shortly after. A few days later, he deposited a check into my account without my authorization. I didn't know the check was fraudulent at the time. After the deposit, he pressured me to send majority of the money to him and his friend. The check was for {$3300.00}, I sent him {$1000.00} and his friend {$2000.00} and was left with {$300.00}. I realized I had been scammed and used. About a month later, I was notified that I owed {$3300.00} as a result of the fraudulent deposit. After receiving the notice, I contacted Chase and went to the bank in person, and spoke with multiple representatives. I was transferred between departments over the phone but was told no fraud case could be opened, no repayment options could be set up and that the debt would remain in my name. I was also informed that the same check had previously been rejected when attempted with a different account, and was then deposited into mine on the second attempt. I had no idea any of this was happening at the time. I have since filed a report with the FTC and attempted to file a police report, but was told the matter was civil and no report would be made. I am requesting a full investigation and resolution, as I did not initiate or authorize any of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LEXISNEXIS
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I do not recognize Aid Vantage as a creditor. I do not have a contract with XXXX XXXX. XXXX XXXX had admitted to being a servicer and not a creditor and by law the definition of a servicer is someone who mediated contracts after they have been fulfilled. XXXX XXXX has used my personal information without my consent and I demand that this information be removed by law. XXXX XXXX violates consumer laws as well as the Privacy Act of 1974. Immediate removal of account is demanded. I do not have an online account with Aid Vantage and I REVOKE ANY ASSUMED POWER OF ATTORNEY over my person in connection with any alleged debt. There is no valid contract between XXXX XXXX ( servicer ) and XXXX XXXX. Any transfer of assignment without agreement, consideration, value, meeting of the minds is hereby rendered Null and Void and without supported proof through a signed affidavit under penalty and perjury is violation of consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

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 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 2025-04-29 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: FL

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 explanation
Consumer complaint received 2025-04-29 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due XXXX  the willful noncompliance of the credit bureaus XXXX XXXX XXXX improperly investigating my disputes, as required under XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ( B ). Despite my repeated submissions of disputes containing sufficient documentation XXXX demonstrate inaccuracies, the credit bureaus have failed XXXX conduct a reasonable reinvestigation & have continued XXXX  report inaccurate information XXXX  my credit report. Furthermore, the data furnishers have neglected their legal obligation XXXX investigate the disputed information when notified by the credit bureaus. This failure XXXX uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I found an inquiry on my credit report that I did not authorize.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

I do not recognize Aid Vantage as a creditor. I do not have a contract with Aid Vantage. Aid Vantage had admitted to being a servicer and not a creditor and by law the definition of a servicer is someone who mediated contracts after they have been fulfilled.

Aid Vantage has used my personal information without my consent and I demand that this information be removed by law.

Aid Vantage violates consumer laws as well as the Privacy Act of XXXX. Immediate removal of account is demanded.

I do not have an online account with Aid Vantage and I REVOKE ANY ASSUMED POWER OF ATTORNEY over my person in connection with any alleged debt.

There is no valid contract between Aid Vantage ( servicer ) and XXXX XXXX. Any transfer of assignment without agreement, consideration, value, meeting of the minds is hereby rendered Null and Void and without supported proof through a signed affidavit under penalty and perjury is violation of consumer rights

Company response to consumer: Closed with explanation