vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
I received a copy of my credit report and found the following personal information to be in error :

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 2025-03-12 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: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information, credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inactions violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX 
Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: PA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-03-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime promises of services has not been upheld by the company. I was married in XXXXXXXX XXXX XXXX I had previously opened a chime account but did not take further steps to actually use the account. once I started to use the account in XXXX XXXX XXXX  I was emailed about verifying my identity, at which point I informed the agent of my name change and submitted my state ID, my SSC, and my marriage certificate. Fast-forward to XXXXXXXX XXXX XXXX I again received another notification that I had a payment on hold because I needed to verify my identity again. I again sent all the same documents. Again in XXXXXXXX XXXX XXXXXXXX I was emailed again asking for all the same documents to release my funds. Today as of XX/XX/XXXX I was again emailed and asked to send these documents again as well as my tax documents. At this point I feel as though chime is scamming me, I do have every email documented to provide my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
**CEASE AND DESIST LETTER** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Re : Account No. XXXX Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ), I hereby demand that you **immediately cease and desist all communication** with me regarding the above-referenced account.

This includes, but is not limited to : phone calls, emails, text messages, postal mail, **credit bureau reporting**, or any other form of contact, except as expressly permitted by law ( 1692c ( c ) ( 2-3 ) ). You are only authorized to : 1. Confirm receipt of this letter and that no further communication will occur, or 2. Notify me of specific remedies, such as filing a lawsuit.

**Reporting this disputed debt to credit bureaus constitutes a prohibited form of communication** under 15 U.S.C. 1692c ( c ). Courts have consistently held that furnishing information to credit reporting agencies after a cease and desist notice violates the FDCPA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Further, continued reporting of an inaccurately disputed debt may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

As noted in my Experian credit report, this account has been **disputed**, and records acknowledge : *Completed investigation of FCRA dispute - consumer disagrees. * Despite this, the account remains inaccurately reported. I reiterate that this debt is disputed and demand compliance with FDCPA and FCRA requirements, including the **immediate cessation of all credit bureau reporting**. 

Failure to abide by this demand will result in legal action for violations of the FDCPA and FCRA, including statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and costs. 

**Send written confirmation** of your compliance to my address above within 14 days, including verification that : - All communication ( including credit bureau reporting ) has ceased ; - The account is updated to reflect its disputed status in all future credit bureau submissions . 

Sincerely, XXXX XXXX **Legal Citations : ** - 15 U.S.C. 1692c ( c ) : Prohibits post-cease-and-desist communication, including credit reporting. 
- XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Affirms credit reporting as FDCPA communication. 
- 15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes and correct inaccuracies.

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 2025-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I spoke with a SallieMae representative to inquire about managing my loan payments due to financial hardship. During this conversation, the representative assured me that I could switch to an interest-only repayment plan ( XXXX  ) and, if needed in the future, apply for forbearance without any issues. 
Relying on this information, I agreed to the interest-only plan, believing it would provide temporary relief with the option to seek forbearance if my financial situation worsened. 
However, on XX/XX/XXXX, I contacted SallieMae again to request forbearance as my financial situation has become more challenging. This time, a different representative informed me that I am ineligible for forbearance solely because I had switched to the interest-only repayment plandirectly contradicting what I was previously told. In reviewing the terms emailed to me, it only explicitly states that ineligibility for forbearance lasts for the XXXX  month period following the end of the XXXX period. There is no mention of an inability to change between the repayment plans. I contacted SallieMae once again on XX/XX/XXXX, and was given the same response. 

I spoke with a manager on XX/XX/XXXX and was told that I was not given fully correct information during the XXXX discussion. She explained that I can contact collections XXXX  days following my bill due date and would be offered other options for repayment. I did so on XX/XX/XXXX and was told that they could not offer me anything and they immediately asked me to pay my bill. 

Why This Is a Problem : Misleading Information : I made a financial decision based on assurances from SallieMae that turned out to be false. 
Unfair Practices : The denial of forbearance was not disclosed as a potential consequence when I agreed to the interest-only plan. 
Lack of Transparency : I was not provided with clear, consistent information, which has resulted in severe financial hardship. 

Moreover, this mirrors a XXXX lawsuit on XXXX for " [ steering ] struggling borrowers toward paying more than they have to on loans '' and " [ obscuring ] information consumers needed to maintain their lower payments. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: VA

Complaint narrative:
Subject : URGENT : Dispute of Fraudulent Accounts and Request for Immediate Action Dear Transunion, I am writing to formally dispute multiple fraudulent accounts that have been opened in my name without my authorization or consent. These fraudulent activities have caused significant distress, and I demand immediate action to resolve this matter. 

I have reviewed my credit report, and I was shocked to discover that [ number ] accounts, all of which are marked as fraudulent, have been opened under my name. These accounts were clearly created without my knowledge or permission, and I categorically deny any involvement in their opening or management. This constitutes a clear case of identity theft, and I am fully prepared to take legal action if this issue is not resolved promptly. 

The following accounts are the ones in dispute : Account Name/Number : XXXX XXXX XXXX XXXX XXXX Account Name/Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Name/Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect the following actions to be taken immediately : Investigation : A full and thorough investigation into these fraudulent accounts, including the verification of the identity of the individuals who opened them.

Account Closure : The immediate closure and removal of all fraudulent accounts from my credit file. 
Written Confirmation : A written statement confirming the resolution of this issue, including details of the investigation and the actions taken to address the fraud. 
Accountability : If the fraud occurred due to negligence on your part, I expect an explanation of the steps you will take to prevent this from happening again in the future. Additionally, I demand that these fraudulent accounts be reported as fraudulent on my credit file to prevent any further damage to my credit scor
e.

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 2025-03-12 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-03-12 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: IL

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I got a XXXX XXXX promotional period when applying for a credit card with Bank of America. The promotional period ended on XX/XX/XXXX statement and the due date of that statement is XX/XX/XXXX. If not paid in full by XX/XX/XXXX then I will be charged an interest rate. I paid the balance in full and money taken from my account on XX/XX/XXXX. They still charged me some interest and claimed that the balance expired on XX/XX/XXXX and had to be paid by then. Ive never seen it in any written paper and had requested a refund but was denied.

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 2025-03-12 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: IL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX 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 2025-03-12 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX. Account # : XXXXXXXX XXXX. Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of info
rmation that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief