vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the validity and enforceability of my federal student loan debt due to a significant breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and other applicable federal laws. Specifically, I request the immediate cancellation and forgiveness of my student loans due to the unauthorized access to the Department of Education data systems by XXXX ( XXXX-related activities ) facilitated through XXXXXXXX XXXX XXXX  entities. This breach exposed my personally identifiable information ( PII ) and violated statutory protections under FERPA ( 20 U.S.C 1232 ; 34 CFR Part 99 ), the Privacy Act of 1974 ( 5 U.S.C 552a ), and potentially the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ). My personally identifiable information ( PII ) was exposed due to unauthorized access through Department of Education systems potentially linked to XXXX-related cyber incidents involving XXXX XXXX  XXXX entities, constituting a data breach on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the validity and enforceability of my federal student loan debt due to a significant breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and other applicable federal laws. Specifically, I request the immediate cancellation and forgiveness of my student loans due to the unauthorized access to the Department of Education data systems by XXXX ( XXXX-related activities ) facilitated through XXXX XXXX  XXXX entities. This breach exposed my personally identifiable information ( PII ) and violated statutory protections under FERPA ( 20 U.S.C 1232 ; 34 CFR Part 99 ), the Privacy Act of 1974 ( 5 U.S.C 552a ), and potentially the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ). My personally identifiable information ( PII ) was exposed due to unauthorized access through Department of Education systems potentially linked to XXXX-related cyber incidents involving XXXX XXXX XXXX entities, constituting a data breach on XX/XX/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 2025-10-19 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:
I am filing this complaint because [ Experian / XXXX  XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In XXXX, I was added as a joint owner to a Capital One bank account without my knowledge or consent. I only discovered this account recently in XXXX, when I learned that my former boyfriend, XXXX XXXX, continues to use the account actively for daily deposits and purchases. 

I am now married and had no involvement with this accounts opening, management, or transactions. Despite contacting Capital One multiple times and explaining that I was added without my authorization, the bank refuses to remove my name or close the account. 

When I spoke with Capital Ones XXXX Department, they temporarily flagged the account for review, but the investigation was closed after XXXXXX/XX/XXXX, with a finding of no fraud. This decision was made without a proper investigation or any opportunity for me to submit documentation proving I did not authorize being added as a joint owner. 

The original reason I was added to this account in XXXX was also unauthorized and deceptive. XXXX XXXX attempted to claim my minor son on his taxes more than a year after our relationship had ended. In order for Capital One to allow him to cash that refund check, he added my name to the account without my knowledge or consent, solely to deposit and access those funds. I had no involvement in this action, and I was never informed that my Social Security number was being linked to this account for that purpose. 

Furthermore, my husband and I contacted XXXX XXXX approximately XXXX weeks ago to request that he close the account. XXXX stated that he planned to close it after receiving an expected deposit from the IRS. XXXX weeks ago, he received a {$10000.00} deposit from the IRS, transferred those funds to a new account, but continues to use the old account daily depositing money and making purchases regularly. Despite his statements and my repeated requests, the account remains open and active. 

Capital One has also refused to close the account, claiming that pending deposits prevent closure even though I am not the depositor or user of the account. My Social Security number is attached, which means my credit and identity are being used without my consent, and I have no control over an active financial account in my name. 

This situation is extremely distressing, as it exposes me to potential financial, legal, and tax liability for transactions that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MS

Complaint narrative:
I am filing this complaint because [ XXXX  / XXXX  XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - 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 XXXXXX/XX/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 2025-10-20 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: CT

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-19 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: IN

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 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: MA

Complaint narrative:
I only really use my Chime card to order food or somewhere that doesn't accept tap to pay or on Toast, so when I got a charge last XXXX  ( XX/XX/XXXX ) at XXXX, I very quickly suspected something was wrong. I checked out my account, saw another charge that wasn't me, and froze the card and called customer service. I was talking to someone by XXXX. 

They said they couldn't do anything about pending charges, but could ship me a new card. 

After I was on the call with them, several other attempts came through ( and were blocked because the card was frozen ). Just in case, I went and froze the virtual debit card and physical card as well - and then an attempt was made with the physical card information, which was interesting since I had it on me. Whoever somehow stole the virtual card also stole that, as well as my billing address and the email I use with Chime, which makes me wonder if the information was somehow stolen from Chime itself. 

Since the charges remained pending through the weekend, I contacted the merchants on XXXX. XXXX canceled the order, but the other said the item had already shipped - and indeed, the pending charge was approved. 

I filed a claim against this through the Chime app on XX/XX/XXXX. They denied it on the XXXX. I called about the denial, and they refused to budge, and also said they will won't give me any information about why they denied it over the phone ( it was " an internal investigation '' ), but they could sent me some more information in XXXX XXXXXXXX business days '', which I requested but have no confirmation of nor trust in. I filed a police report with the XXXX XXXX  police ( case XXXX, XXXX XXXX, badge number XXXX ) later on the XXXX and called Chime back with that information, letting them know the case number and that it would be a few days for the paperwork to be online. 

They " reopened '' the dispute after this call, but then denied the claim again on XX/XX/XXXX. So from my perspective, they possibly leaked my credit card information, let multiple aberrant charges go through without issue, required me to do all the work cleaning those up, and for the one remaining charge I couldn't do anything about, they didn't verify anything with the police nor the merchant - or if they did, they won't tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
An account with XXXX collections were previously reported on my account and was removed. The account has reappeared and should not be. On XX/XX/XXXX. XXXX sent me a letter, stating the account would be closed. I have resubmitted that information to Transunion on XX/XX/XXXX. The account has been placed again on my credit profile after another 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 explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal dispute filed under the Fair Credit Reporting Act ( FCRA ). My TransUnion credit report is compromised by multiple fraudulent accounts due to a documented case of identity theft. TransUnion has failed to correct these inaccuracies despite my previous disputes and a clear extended fraud alert that is currently active on my file. 

Pursuant to my rights under the FCRA, I am disputing the following fraudulent accounts. The presence of these accounts and their reporting history is a direct result of identity theft : XXXX XXXX Bank : This account is reporting a XXXX delinquency. My file explicitly notes, " Account information disputed by consumer, '' yet the negative information remains. 

XXXX XXXX XXXX This account is reporting a XXXX past due delinquency. Crucially, the comment section states, " Dispute resolved-customer disagrees, '' which is direct proof that TransUnion was XXXX to this fraud and failed to resolve it correctly. 

XXXX XXXX XXXX / XXXX : This account shows a fraudulent XXXX late payment in XX/XX/year>. 

XXXX XXXX : While this account is not currently reporting a " worst delinquency '', the comments confirm a dispute was filed and that I disagree with the resolution ( " Dispute resolved ; consumer disagrees '' ). The account is fraudulent and must be removed. 

XXXX Bank : This fraudulent account is also in my file and must be removed. 

TransUnion has failed its duty to ensure the maximum possible accuracy of my report and has ignored the clear evidence of fraud and my prior disputes.

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft and fraudulent activity. Unauthorized individuals have opened banks accounts and possibly other financial accounts in my name without my consent. Like chase bank XXXX bank XXXX Bank XXXX bank I request that you place a fraud alert on my credit file immediately to protect me from further unauthorized activity. Please also send me a copy of my credit report so that I can review all recent inquiries and accounts. 

Enclosed are copies of my photo ID and proof of address, along with any police report or FTC Identity Theft Report I have filed. 

Please confirm in writing that you have received this letter and that the fraud alert has been added to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: OH

Complaint narrative:
I have been a victim of identity theft and it has cause me hardship making my life very difficult.

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 2025-10-19 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: NC

Complaint narrative:
I am filing this complaint because [ XXXX  / XXXX  XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is XXXX v. TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - 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 XXXXXX/XX/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 2025-10-19 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: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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