vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I opened a business bank account with chase bank on XX/XX/year>. I then setup my direct deposit into the banking account from the company I sell products through XXXX. I then XXXX  myself XXXX $ to make sure XXXX was working. After receiving a direct deposit into the total amount of XXXX chase closed my account and seized my funds. They said I need to have the owner of whatnot contact them. XXXX does not have phone support nor is contacting the owner possible this is a XXXX XXXX XXXX  corporation. Along with the direct deposits they also seized the XXXX $ XXXX test XXXX. Ive been into a branch and on the phone with them multiple times and they told me a check was mailed. It has officially been over 14 days since they seized my funds and no check has arrived. I need my money now and I want it back with interest or I will need to contact my lawyer and file a XXXX XXXX damages to the operations of my business. I have been unable to buy the correct amount of product to run my business due to this unjust XXXX of assets and I have lost an estimated amount of XXXX in potential revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: UT

Complaint narrative:
I'm extremely frustrated that my credit report still reflects inaccurate and incomplete information. Despite my repeated attempts to have this corrected, nothing has been done, and it's unfairly damaging my credit score.

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 2025-04-11 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: GA

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect

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 2025-04-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-12 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: TX

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 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 2025-04-12 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: TX

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 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 2025-04-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXXXX 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  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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Red Target LLC
State: FL

Complaint narrative:
XXXX is the debt and the company is trying to sue me after the Florida statute of limitation the debt calms to be paid last on XX/XX/year> it is against the law and its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX, enacted in 1974, is designed to protect the privacy of student education records, restricting unauthorized access and disclosure. Notably, XXXX does not XXXX individuals the right to sue for violations ; enforcement is the federal government 's responsibility. When i signed up for the income driven repayment plan it was a legal binding document recently A federal court issued an injunction preventing the U.S. Department of Education from implementing the Saving on a Valuable Education ( SAVE ) Plan and parts of other income-driven repayment ( IDR ) plans. The online income-driven repayment ( IDR ) plan and loan consolidation applications are available. My FERPA. XXXX XXXX was not and is not an elected official of the United States Government I am reaching out to provide important information regarding the Family Educational Rights and Privacy Act ( XXXX ) a federal law that protects the privacy of student education records.

What is FERPA?

FERPA grants parents and eligible students ( those over XXXX  or attending a postsecondary institution ) the right to : 1. Inspect and review their education records maintained by the school. 
XXXX. Request corrections to records they believe are inaccurate or misleading. 
3. Control the disclosure of personally identifiable information from education records, except under certain permitted conditions.

Who Can Access Education Records?

Generally, schools must have written permission from a parent or eligible student to release any information from a students education record. However, FERPA allows disclosure without consent to certain parties or under specific conditions, such as : School officials with legitimate educational interests Other schools to which a student is transferring Accrediting organizations Compliance with a judicial order or subpoena. XXXX XXXX did not have XXXX order and or subpoena to have access to my student loan information.

FERPA allows schools to disclose directory information ( such as a students name, address, and honors received ) without consent unless parents or eligible students opt out. Schools must inform families of this policy and provide time to request that directory information not be disclosed. The legal due process was not taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
Under 15 U.S.C. 1692g ( b ), I formally request validation of the alleged debt. You must provide the following documents within 30 days : 1. Proof of the Original Debt A full accounting of the alleged debt, including the original creditors name, the amount owed, and an itemized breakdown of all charges, interest, and fees.

2. Proof of Assignment A legal contract of assignment demonstrating that you have the legal right to collect this debt. If you are not the original creditor, provide a chain of title showing how the debt was transferred.

3. Executed Agreement A copy of the original signed contract where I agreed to this debt, proving my legal obligation to pay.

4. Your Debt Collection License Proof that you are legally authorized to collect debts in my state, including a copy of your business license and any relevant bonding requirements. 

Until you provide the requested validation, you must cease all collection activities under federal law. If you continue to report this alleged debt to credit bureaus or attempt further collection efforts This letter serves as a formal Cease and Desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a Debt Validation Request under 15 U.S.C. 1692g ( b ).

Cease and Desist Effective immediately, you are to cease and desist all forms of communication with me regarding the alleged debt associated with Account XXXX XXXX This includes, but is not limited to, phone calls, letters, emails, or any third-party contact. Failure to comply will be considered a violation of my rights under the FDCPA and may result in legal action against you.

Debt Validation Request without proper validation, I will pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This demand is non-negotiable. I am sending this letter via certified mail with return receipt to document your compliance. Failure to adhere to federal law will result in legal consequences. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I can not use my account. Most websites either reject the card completely or state that my billing information is incorrect. I have only lived in XXXX zip codes in the last XXXX  years, so there might be a mistake with it but there is no way to change your billing information on the website. The account is showing {$20.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

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 explanation
Consumer complaint received 2025-04-12 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-11 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:
Consumer Financial Protection Bureau Complaint Issue : Fraudulent Account Opened Due to Identity Theft Request for Immediate Removal from TransUnion Credit Report Consumer Information : Name : 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 Complaint Details : I am filing this complaint regarding a fraudulent account appearing on my TransUnion credit report. The following account was opened without my knowledge, authorization, or consent as a result of identity theft : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I have no connection or association with this account, nor have I ever authorized any transactions related to it. The appearance of this fraudulent account on my credit file is adversely impacting my credit and causing significant distress. 

In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), I have formally requested TransUnion to block and permanently remove this fraudulent information from my credit file within XXXX ( XXXX ) business days, as required by federal law. However, this fraudulent account continues to be reflected on my credit report. 

Resolution Requested : I am requesting the Consumer Financial Protection Bureaus assistance to ensure TransUnion complies promptly with my request to permanently block and remove the fraudulent XXXX XXXX XXXX XXXX XXXX account from my credit file. Additionally, I am requesting written confirmation from TransUnion once the fraudulent information has been successfully removed. 

Supporting Documents Provided : Copy of Social Security Card Copy of Drivers License Recent Utility Bill ( as proof of residence ) Thank you for your immediate attention and assistance in resolving this matter. 

Sincerely, 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 2025-04-11 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: NV

Complaint narrative:
equifax had a credit breach in XXXX  and someone elses name is mixed with my file and they has not removed the hold/freeze off my account after numerous certified notratized affidavits mailed to them and numerous police reports. i only have XXXX name and XXXX address any other names or addresses must be removed

Company response to consumer: Closed with explanation