vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
Dear CFPB, I am writing to urgently escalate my ongoing complaint against TransUnion, originally filed on XX/XX/year>. 

TransUnion has falsely claimed that they did not receive my identity verification documents. However, I sent my dispute and identity verification via certified mail, and I have the USPS certified mail receipt, which I will provide, confirming it was delivered and received by TransUnion. 

Despite this, TransUnion has failed to process my dispute. When I contacted them, a representative claimed there is no dispute on file and no record of the documents or my follow-up email dated XX/XX/year>. In the meantime, I remain unable to access my credit report, and I have been denied credit because my file is marked as being in dispute or unavailable. 

This delay and mishandling is causing real financial harm. I respectfully request the Consumer Financial Protection Bureau to intervene and help resolve this matter.

Fair Resolution Requested : 1. Immediate access to my full credit report from TransUnion.

2. Confirmation that my dispute and identity documents were received and are being processed.

3. Removal of all inaccurate accounts and unauthorized addresses.

4. A full investigation into why my verified dispute was ignored despite proof of delivery. 
XXXX. A written response from TransUnion acknowledging the error and providing corrective action. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX Account Number : XXXX XXXX Account Number : XXXX 2. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.

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 2025-04-06 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: MI

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. XXXX XXXX XXXX # XXXX Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against Experian reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

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 2025-04-06 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:
Its a hard inquiry from XXXX XXXX dated XX/XX/2024 on my credit report. This is due to identity theft and I provided a police report. TransUnion said it would be removed.

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Ive experienced a recurring pattern of overdraft fee manipulation by Navy Federal Credit Union over the course of several years. They regularly delay the posting of transactions for 34 days, then batch-post multiple debits all at once before credits are applied, causing my account to appear overdrawn for only seconds. As a result, I am hit with multiple overdraft fees ( often XXXX at once ), even though my account should have had sufficient funds. When I contact them, they acknowledge the issue but only offer a small refund as a one-time courtesy, while continuing the same practices. This has happened repeatedly every few months for over a decade.

In addition, although transactions are clearly processed in a batch ( all notifications arrive at once ), Navy Federal later manipulates the account activity screen to show that these charges occurred on different days. This appears to be an intentional effort to disguise the batching and avoid accountability. However, the timing of the alerts proves that the charges were grouped and processed together. This shows clear evidence of deceptive practices, and I am requesting a full investigation and reimbursement of all improperly charged overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had an extra amount appear on my statement that I did not know where it came from or what the charge was. 

For the past month I have tried to get an answer as to why my bill increased XXXX to XXXX. 

The only charge I had on my statement was for oil - 6 month XXXX over time set up on XX/XX/XXXX. for XXXX. The XXXX for this card came out on XX/XX/XXXX. I made a payment on the XXXX of XXXX. 

I should have had a balance of XXXX. On my pay over time. I received an email and a ledger statement telling me it was paid off after XXXX payment. 

Of course this is incorrect.

I have asked 3 different people all claiming to be from some Executive office at Chase where the extra charge came from.

All they can tell me is it is part of some interest payment andXXXX XXXX XXXX

So that is it no answer as to what was charged, when was it charged. 

Now I'm being told I can file a complaint with whomever and no one will do anything about my issue. Basically I should just forget this and move on. 

I have that message. NOT ONLY does this billing department need an overhaul because it should be very clear these people have no idea what they are doing, but to leave a message speaking to a long time customer that way tells me that office needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NC

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or missing disclosures — 
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
XX/XX/year>, Dept of Education 15 USC Code 1681e ( b ). Accuracy of Report 15 USC Code 1681s-2 ( b ). Responsibilities of Furnishers 15 USC Code 1681 ( o ) for Civil Liability for Negligent Non-Compliance. Accuracy of Report 15 USC Code 1681e, b. Accuracy of Report 15 USC Code 1681s 2, b. Responsibilities of Furnishers 15 USC 1692c. According to 15 USC 1692c you have violated my rights by unlawful communications. Please remove this collection off of my credit report. Thank You

Company response to consumer: Untimely response
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This company is report inaccurate information to my consumer report public records off that they are failing to conduct a proper investigation and provide documentation legal verifying this debt. In addition this company is not providing there method of verification according to 15 U.S. Code 1692g

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The statue of limitations has ran out on my dispute and the credit and they are still sending treating letter with court date on them with no government seal stamped none certified mail saying there putting a judgements and garnishing my wages after 7 years from the last payment and still reporting the balance on a charge of and reporting late payments still to this day and won't send me a 1099 c

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The statue of limitations has ran out on my dispute and the credit and they are still sending treating letter with court date on them with no government seal stamped none certified mail saying there putting a judgements and garnishing my wages after 7 years from the last payment and still reporting the balance on a charge of and reporting late payments still to this day and won't send me a 1099 c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The statue of limitations has ran out on my dispute and the credit and they are still sending treating letter with court date on them with no government seal stamped none certified mail saying there putting a judgements and garnishing my wages after 7 years from the last payment and still reporting the balance on a charge of and reporting late payments still to this day and won't send me a 1099 c

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 2025-04-06 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: OH

Complaint narrative:
I am filing a formal complaint against Equifax and TransUnion for failing to conduct a reasonable investigation of a disputed debit reported on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 1 ) ( A ). Despite my formal dispute and demand for verification, the company has refused to remove inaccurate information and failed to provide proper documentation supporting the validity of this debit. 
Complaint Details 1. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Amount : {$2600.00} 2. XXXX XXXX XXXX / XXXX Account Number : XXXX Disputed Amount : {$1700.00} XXXX XXXX XXXX : Involved : Equifax and TransUnion Summary of the ViolationFailure to Conduct a Reasonable Investigation : Per 15 USC 1681i ( a ) ( 1 ) ( A ), the company is required to conduct a thorough review of disputed information. However, it has failed to provide any valid proof supporting the accuracy of the reported debit.

Failure to Provide Documentation : Despite my request, the company has not supplied a copy of the original contract with my wet ink signature, nor have they provided any verifiable proof of the debts legitimacy.

Failure to Provide a Collection License for Ohio : The company has also refused to furnish proof of licensure to collect debts in the State of Ohio, further questioning the legality of their reporting practices.

Violation of FCRA Section 611 ( a ) ( 7 ) : The company has not provided all records and procedures used in their investigation, as required under federal law.

Potential Unlawful Collection Practices : If the debt stems from unlawful or fraudulent activity, this would also constitute a violation of 18 USC 894 ( Criminal Usury Law ).

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
At around XXXX, I had gotten a text and a phone call about a supposed transaction being taken out of my Chime account : XXXX Card Activity, Transaction Date : XX/XX/year> Amount : {$210.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Reply ( Y ) es or ( N ) o.

At first when they called, I denied it. Then, they called again. I answered, not even realizing at the time that I was not the same number as chime 's official phone number. It was the same number as who sent the text. The person was impersonating a chime agent and I believed it. He told me to access my account, which I did and to change my password, which I did. He sent me a code through a link that I copied and out into my chime to verify. After this was said and done, I had already given him my last four digits of my social, debt card, and my email. The last thing he asked was a wire transfer of all my money in my accounts, {$510.00}, to a phone number who was his " boss. '' Not thinking yet again, I did that of which he then proceeded to hangup. This was at XXXX4pm when I sent the money. I contacted chime support, who informed me that it indeed was not them and they told me if I wanted to file a dispute claim which I did. I knew it would take time, up from 10-90 days so I sat patiently. We'll, I woke up early in the morning Saturday to find out my dispute was denied not even 3 days after I had filed one. I don't know hate to do and I didn't see any given reason why it was denied, given i provided all that I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IN

Complaint narrative:
REQUESTED IMMEDIATE REMOVAL OF ACCOUNTS AND INQUIRIES OF FRAUDULENT ITEMS DUE TO IDENTITY THEFT AND MY CONSUMER LAWS 15 USC 1601! REPORTING AGENCY HAS NOT REMOVED CONTINUES TO SEND ACCURATE AND VERIFIED. I HAVE FILED POLICE REPORT AND FTC REPORT AND CFPB REPORT ALL INCLUDED IN ATTACHMENTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
REQUESTED IMMEDIATE REMOVAL OF ACCOUNTS AND INQUIRIES OF FRAUDULENT ITEMS DUE TO IDENTITY THEFT AND MY CONSUMER LAWS 15 USC 1601! REPORTING AGENCY HAS NOT REMOVED CONTINUES TO SEND ACCURATE AND VERIFIED. I HAVE FILED POLICE REPORT AND FTC REPORT AND CFPB REPORT ALL INCLUDED IN ATTACHMENTS!

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute and request the deletion of the derogatory account reported by XXXX XXXX, partial account number XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681c, Section 605 ( a ) ), negative information such as charge-offs can not be reported for longer than seven ( 7 ) years from the date of first delinquency or last activity.

In this case, the last reported activity on this account was XX/XX/year>, and for Equifax, the last activity was listed as early as XX/XX/year>. As of today, this information is past the 7-year reporting limit and must be permanently removed from my credit file.

I respectfully request that this account be deleted immediately from all credit reporting agencies where it appears ( TransUnion and Equifax ). I expect written confirmation once the item has been removed.

Thank you for your attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC ss 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC ss5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate 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

Company response to consumer: Closed with non-monetary relief