vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: MI

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 non-monetary relief
Consumer complaint received 2025-03-03 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
Demand for Immediate Deletion of Inaccurate Account Account Name : XXXX XXXX XXXX XXXX XXXX Card Account Number : XXXX I am demanding the immediate deletion of the above-referenced account from my credit file due to multiple reporting discrepancies that violate the Fair Credit Reporting Act ( FCRA 15 U.S.C 1681 ). The information reported by Equifax and TransUnion is inconsistent, inaccurate, and unverifiable, making this account invalid under FCRA 1681i ( a ) ( 5 ) ( A ).

Discrepancies Between Equifax and TransUnion Reports : 1. Different Account Names : Equifax reports the account as XXXX XXXX XXXX XXXX 
TransUnion reports it as XXXX XXXX. 
2. Different Last Payment Dates : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Different Balance Update Dates : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX It is illegal under FCRA 1681s-2 ( a ) to update an account inaccurately, especially after it has been charged off. 
4. Payment History Reporting Issues : Equifax : Reports charge-offs for multiple months. 
TransUnion : No payment history displayed, making the status inconsistent and unverifiable. 
5. Status Update Date Manipulation : Both bureaus list the status update as XXXX XXXX, despite no recent activity.

This is a clear attempt to re-age the account, which violates FCRA 1681c ( a ) ( 4 ) and FCRA 1681s-2 ( a ) ( 1 ) ( A ), as charge-off accounts can not have their dates manipulated to remain longer on a credit report.

These discrepancies violate FCRA 1681e ( b ), which requires only accurate and verifiable information to be reported. Since the bureaus can not even agree on the basic details of this account, the information is clearly unreliable and must be deleted immediately under FCRA 1681i ( a ) ( 5 ) ( A ). 

I am not requesting an investigationI am demanding immediate deletion of this account from my credit report. If this request is not honored, I will escalate my complaint to the Federal Trade Commission ( FTC ), and potentially pursue legal action for noncompliance with the FCRA. 

Failure to comply with federal reporting laws may result in legal action against the credit bureaus and the data furnisher for willful noncompliance under FCRA 1681n, entitling me to statutory damages, actual damages, and attorney fees. 

Please provide written confirmation of deletion within 30 days, as required by 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 2025-03-03 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: OR

Complaint narrative:
I noticed that recently my student loan debt nearly doubled. When I checked my credit report, it shows new accounts created in XXXX XXXX and the amounts reflect a doubling of what my previous debt should have been. Im confused about why this sudden doubling has occurred without any notification.

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Someone stole my information to my bank account they did mobile deposit and I don't do that cause I don't know how to. They deposited and then did wire transfers to get the funds out of account. They said one of them was a return check so it gave me an overdraft I went to the main branch of the bank and spoke to the manager and said those weren't me and my account should be in the positive not negative. So I deposited {$200.00} cash to the teller to get my account at good standards. That following week was the XXXX Wednesday of the month and that is when I get my direct deposit for XXXX. So I go to get my money from the bank and the bank wouldn't give it to me. It's been two weeks. My account is in review to be closed so they shouldn't have even taken the deposit to my account. But they took it and they took {$400.00} and some change from my XXXX direct deposit that left me with {$1000.00} and change. They aren't supposed to take any funds from my XXXX check they have no rights nor reason to do that they claim my account was overdraft {$400.00} and some change that is false my account was left in positive condition. Here it is two in a half weeks later and they won't release my money. {$1400.00} and change should be given to me from my direct deposit ssi. They are doing me wrong. They should have sent back to sender since my account is closed. I need to live my XXXX is my only funds I get paid and I definitely need it to survive. They took my money and won't give me nothing. US bank is a no good bank. I go to gas station put gas in my truck then go to the grocery store and get groceries and they put out a fraud on my card and account so I have to call and tell them no the gas was me and the grocery store im trying to make a purchase is me as well. Every purchase or thing I did with my card they put fraud every time. I spent more time in the phone or going to the bank to deal with non sense that the bank caused. All I want is my XXXX money and that's it. I've already changed my account for direct deposit for my XXXX so my XXXX payment won't be going to us bank.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute Regarding Charged-Off Accounts and Missing 1099-C Forms Dear CFPB, I am writing to file a formal dispute regarding two charged-off accounts that appear on my credit report. The creditors for these accounts did not provide me with a Form 1099-C, Cancellation of Debt, as required by the IRS when a debt is canceled, forgiven, or discharged in excess of {$600.00}.

According to IRS guidelines, creditors must issue a 1099-C form when a debt is charged off and considered income for tax purposes. Failure to receive this form not only hinders my ability to accurately report my taxes but also raises concerns about the validity and handling of these accounts. 
I kindly request the CFPB to investigate this matter and ensure that the creditors comply with federal regulations by providing the appropriate 1099-C forms or rectifying the status of these accounts on my credit report. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-03 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: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-03-03 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: WA

Complaint narrative:
On XX/XX/XXXX I attempted to use the atm at a business and withdrawal {$200.00}. It charged my card, spit out my card and very quickly an error message flashed on the screen. I was unable to read anything it said. And then I was not given my money. I promptly went to the security and told them what happened and I showed them that the charge still went through and they showed me from my chime app how to report the issue with my bank and I did so and called chime. I was told by the security working that there is another atm across the street so I went there and used that atm and was able to get {$100.00} out. Half hour goes by and I tried a different atm at the same location the first transaction happened at that didnt work for {$100.00} and it again charged my account and didnt get money. I was getting frustrated and tried calling support on chime and due to poor cell phone reception I was unable to talk with anyone. I tried one last time at another atm for {$200.00} and same thing happened. I left the business and when I got home called chime and told them what happened. I later returned to the business and asked if there is any kind of log book for the shifts for each day like complaints or issues within the business and they said they dont keep record of that. They did give me the atms phone number and I have emailed and called leaving a voicemail with them and no response. Yesterday I received an email saying chime is closing my account and I called to find out why and they said something like a violation of some sort of policy which they wouldnt provide for me. I dont understand how Ive violated any policys and I feel like they are trying to avoid my claims for the atm charges and dont want to pay me! Ive been with chime since XXXX and it would be a shame for them to lose me as I only bank through them and have recommended several friends and family who have also started using them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was involved in data breach and according to statue and law. I deserve to have anything that is report negativity on my credit reports removed within 30 days. 
I am requesting that now. Remove all negativity on my credit reports ( Experian, Equifax, and TransUnion ).

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 2025-03-03 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX, XXXX XX/XX/scrub> XXXX XXXX Experian Information Solutions , Inc. Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 2. Provide me with all documentation used to verify the accuracy of the disputed information. 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
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 explanation
Consumer complaint received 2025-03-03 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 A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
Student loans got pushed into forbearance. Information breached

Company response to consumer: Closed with explanation