vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am requesting an investigation into accounts from companies that are wrongly marking late payments on my credit report. Upon review, I found inaccuracies in these accounts, and there should be no late payment remarks on them

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 2025-02-20 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: TN

Complaint narrative:
Experian, Equifax and TransUnion are reporting inaccurate information on my credit report XXXX XXXX XXXX : ( account number XXXX CLOSED XX/XX/XXXX ) in the amount of {$1000.00} and still reporting as of XX/XX/XXXX as active ( but it states as profit and loss write off ( THIS ACCOUNT IS REPORTING TWICE ( XXXX ) ON MY CREDIT REPORT ) Wings Financial Services : ( account number XXXX CLOSED XX/XX/XXXX ) in the amount of {$6700.00} and still reporting as of XX/XX/XXXX as active ( but it states as profit and loss write off XXXX XXXX XXXX : ( account number XXXX XX/XX/XXXX ) IN THE AMOUNT OF {$17000.00} and still reporting as of XX/XX/XXXX active ( but it states as profit and loss write off Reporting inaccurate information to my credit report is in violation of 15USC 1681E ( B ). There was a 1099-C form issued, and this now considered taxable income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
I previously disputed inaccurate information on my credit report under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information. Despite this, they failed to properly investigate and correct the errors.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified within 30 days, it must be promptly deleted from my credit report. The credit bureaus and data furnishers have failed to provide proper validation or remove the unverified information, despite multiple dispute attempts. 

I am filing this complaint because they are violating my consumer rights under the FCRA, and I request CFPB intervention to ensure compliance. If the disputed accounts can not be fully verified, they must be immediately deleted from my credit report 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 explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-20 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: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Subject : Request for Removal of Incorrect Reporting from XXXX I recently attempted to open a bank account with a different bank, but I was informed that they could not proceed due to information reported in my banking history. After contacting XXXX, I was told that XXXX XXXX  is still reporting on my account. 

I want to clarify that I paid off my balance with XXXX XXXX XXXX XXXX  and reopened my account. Despite this, XXXX is still reporting negative information to XXXX. I no longer have an account with them, yet this issue is preventing me from securing a business line of credit. 

I have contacted the XXXX branch multiple times, but I keep getting transferred between different representatives without a resolution. 

Please advise on the necessary steps to correct this issue as soon as possible.

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 2025-02-20 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-20 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX due paid XXXX XX/XX/XXXX. I have requested written commination only. Emails have been unresponsive for almost 2 months. I have received email responses from the email address used in the past. CA XXXX still shows a lien on the title. I have received a bill for {$0.00} due and a balance of {$0.00} on XXXX XX/XX/XXXX. I have received no resolution directions or any response at all.

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-20 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: WI

Complaint narrative:
I bank through chime bank and they normally handle my issues very well. I recently had some unauthorized withdrawal happen on my account from December 2024-January 2025, as soon as I noticed and made time to call ( due to me having XXXX kids to take care of and XXXX dogs ). When I called I mentioned that I have documentation to prove that these were not me and I did not withdrawal this money from my account into XXXX XXXX. The cash name was different from my name and I showed bank statements and my XXXX XXXX name to prove I did not make that transaction. The transaction happened in XX/XX/XXXX was amounting out to {$490.00} dollars and only disputed for not even a full day. I am unsure if they even did anything but just click denied because I filed on a Friday and it was denied Saturday morning. In XXXX {$2200.00} dollars taking out and put into to someone elses XXXX XXXX. With this dispute they took a couple businesss days but then quickly was denied as well. Both of which times I lost my phone during the matter. Because of the holidays I was all over the place and happened to loose my wallet, care keys, phone, and etc. As well as I was moving back home from college at the time. 

I reported it with the bank and mentioned that some of that money was for my rent. I stressed it everyday for a couple days, calling back to back I need my money back, I have rent to pay. I have not gotten any sort of help what so ever and then come today XX/XX/XXXX my dispute was denied and I did file a re-disputed but I do not feel like I am being treated fairly because that is my money so if it was disputed correctly my money should have returned to my account. Some of which came from my school to help me with moving and to help me with other financial needs for colleges. 

So now Im here, in a bit of a situation because I need things for my household, for rent, for college, and transportation because I currently do not have a car. Please help. Chime is not fairly disputing these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
I am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( XXXX ) of the information contained in my consumer report that your agency has furnished. In the credit world, XXXX refers to the standard that consumer reporting agencies must uphold ensuring that all data reported is Complete, Meets the highest level of possible Accuracy, and maintains its Integrity as required by federal law. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), inaccurate, unverifiable, or incomplete information must be deleted immediately.

TransUnion, as a consumer reporting agency ( CRA ), is strictly liable for ensuring compliance with the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my consumer file, I have identified inaccuracies and inconsistencies that fail to meet the legal standards of completeness and accuracy under 15 U.S.C. 1681e ( b ). The law mandates that all information contained within a consumer report must be reported with the " maximum possible accuracy, '' and any deviation from this requirement is a clear violation. 
Furthermore, under 15 U.S.C. 1681c ( a ), obsolete information or data that does not comply with statutory limitations can not be legally reported.

I demand an immediate and thorough reinvestigation of my consumer file under 15 U.S.C.

1681i ( a ) ( 1 ). If TransUnion can not verify the disputed accounts beyond a reasonable doubt, they must be deleted without delay per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ). 
Additionally, if TransUnion is reporting accounts or information obtained from sources such as XXXX, XXXX, or other third-party data aggregators, I demand disclosure of the exact method of verification pursuant to 15 U.S.C. 1681g ( a ) ( 2 ). Any failure to provide a proper verification method renders the data unverifiable and mandates its immediate removal.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Last year, I discovered an error in my XXXX credit report regarding my address. I promptly disputed it online and reached out to XXXX  call center. They informed me that Rocket Mortgage had mistakenly reported the incorrect street address and unit number. I then contacted Rocket Mortgage and explained the situation. They confirmed that my address was indeed correct in their system and would contact XXXX. Upon receiving the dispute resolution, Rocket Mortgage made some corrections to the address they were reporting to XXXX. However, these corrections were still not accurate, as they had separated the last digit of my unit number, which makes it look like a three-digit unit number when in fact it is a four-digit unit number. I contacted XXXX, and they told me they could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
Subject : Failure to Correct Inaccurate Personal Information and Missing credit reporting To whom this may concern, I am submitting this complaint because { Equifax, Experian and TransUnion } have failed to correct inaccurate personal information on my credit report despite multiple attempts to resolve the issue. I have sent letters dating back to XXXX with copies of ID, Birth certificate, social security card, and bank statements. Additionally, [ Transunion/Equifax ] have not reported any accurate information or activity since XXXX, which is negatively impacting my credit profile. 

Issues that need to be Corrected : XXXX ) Incorrect personal information - My report list outdated and incorrect addresses and birthdate. 
XXXX ) Failure to report credit history correctly- [ Transunion/Equifax XXXX have not updated my credit history since XXXX, despite my active accounts. 
XXXX ) Lack of response to previous disputes - I have submitted disputes online and in hand written letters with return receipts to update my information, but the credit bureaus have failed to correct the errors. 

I am formally requesting that [ Transunion/Experian/Equifax ] take immediate action to : 1 ) Correct my personal identifying information ( address, and birth date ) based on valid documents. 
XXXX ) Accurately report all active credit accounts that should be reflected on my report and correct inaccurate information such as late payments on student loans. 
XXXX ) Provide a written response detailing the corrections made and an explanation for the reporting gaps. 

If these issues are not corrected within the legally required timeframe, I will escalate this matter further, as failure to maintain accurate credit reporting violates the Fair Credit Reporting Act ( FCRA ). 

Please provide an update on this matter soon as possible. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Failure to Correct Inaccurate Personal Information and Missing credit reporting To whom this may concern, I am submitting this complaint because { Equifax, Experian and TransUnion } have failed to correct inaccurate personal information on my credit report despite multiple attempts to resolve the issue. I have sent letters dating back to XXXX with copies of ID, Birth certificate, social security card, and bank statements. Additionally, [ Transunion/Equifax ] have not reported any accurate information or activity since XXXX, which is negatively impacting my credit profile. 

Issues that need to be Corrected : XXXX ) Incorrect personal information - My report list outdated and incorrect addresses and birthdate. 
XXXX ) Failure to report credit history correctly- [ Transunion/Equifax XXXX have not updated my credit history since XXXX, despite my active accounts. 
XXXX ) Lack of response to previous disputes - I have submitted disputes online and in hand written letters with return receipts to update my information, but the credit bureaus have failed to correct the errors. 

I am formally requesting that [ Transunion/Experian/Equifax ] take immediate action to : 1 ) Correct my personal identifying information ( address, and birth date ) based on valid documents. 
XXXX ) Accurately report all active credit accounts that should be reflected on my report and correct inaccurate information such as late payments on student loans. 
XXXX ) Provide a written response detailing the corrections made and an explanation for the reporting gaps. 

If these issues are not corrected within the legally required timeframe, I will escalate this matter further, as failure to maintain accurate credit reporting violates the Fair Credit Reporting Act ( FCRA ). 

Please provide an update on this matter soon as possible. 

Respectfully, 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 2025-02-20 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: MOHELA
State: FL

Complaint narrative:
I am filing a formal complaint regarding unauthorized access to my student loan records, violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ). My educational records, including student loan details, have been accessed and shared without my knowledge, consent, or notification, which is a direct violation of XXXX. 

Under XXXX, my educational records can not be disclosed without my explicit written permission, except under specific lawful exceptions, which do not apply in this case. Additionally, under FCRA 1681b, credit information can only be accessed by authorized parties with a permissible purpose. The unauthorized review and use of my student loan data under the XXXX administration have resulted in potential misuse, unauthorized disclosures, and inaccuracies on my credit report. 

I demand a full investigation into who accessed my records, the purpose, and any breaches of FERPA and FCRA regulations. I also request immediate corrective action, including the removal of any improperly reported student loan data.

Please provide a written response detailing your findings and next steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation