vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: WY

Complaint narrative:
I have disputed the following XXXX accounts with the credit bureaus and they have deleted from XXXX credit bureau and not the other XXXX with all XXXX accounts I asked for the method of verification and the ignorared my request.i would like the following accounts investigated and deleted immediately because they are impacting me being able to purchase a vehicle and I also would like {$2000.00} per account damages due to the negligence of the constant disregard for my rights by all XXXX bureaus. # XXXX XXXX international balance {$6700.00} TransUnion deleted this account but the other XXXX didn't. # XXXX mtr XXXX XXXX {$26000.00} account # XXXX deleted from TransUnion but not the other XXXX bureau 's # XXXX balance {$1400.00} XXXX account # XXXX # XXXX balance {$530.00} account # XXXX deleted from TransUnion and XXXX but not from XXXX. # XXXX account # XXXX deleted from XXXX but not from XXXX and TransUnion. # XXXX account # XXXX deleted from XXXX and XXXX but not from TransUnion. # XXXX of Missouri account XXXX XXXX balance {$1200.00} # XXXX premier account # XXXX balance {$1600.00} XXXX has violated my XXXX protected rights because they didn't investigate the formentiokns XXXX accounts.also TransUnion also didn't XXXXnvestigate the XXXX accountsisted above.also XXXX violated my rights XXXX they reinsert the above XXXX accounts.i have asked for proof of investing and the XXXX bureaus have ignored me.please deleted the XXXX accounts listed above from ALL XXXX bureaus.i am requesting proof of the investigation or please delete the above XXXX accounts.i am requesting {$2000.00} from all XXXX bureaus and delete all XXXX negative accounts because there violating my federally protected rights.

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 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
asked them to validated the debt and for copy of contract and proof they can collect

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 2025-04-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: IN

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guidelines

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 2025-04-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-05 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:
There are XXXX parties involving the same debt. The first XXXX is Transunion. I have given them information proving that these creditors are frauds and they still will not remove this debt. The fraud creditors are surprisingly not going away when they know they have been exposed of their fraud practices. Here is the scenario : The XXXX name is XXXX XXXX XXXX. They recovered a debt from XXXX security, which was a security company that I used when my business was opened. The business was resolved in XX/XX/XXXX. They claimed that they bought the business debt in XX/XX/XXXX. Ok, no problem. Since it is a business and not a personal liability, I ask for a contract showing that I personally guaranteed this debt. This is where the fraudulent activity showed up. First of all I never guarantee a debt personally for a business. The business is an entity used to protect the consumer with taxes and legal shelters. So this is why I requested a copy of the contract showing this. When I received the contract, there were XXXX things that stuck out like a sore thumb. XXXX. The date read XX/XX/XXXX. That XXXX have been when my business contracted with Brinks for service but never guaranteed personally. So this contract show that it was signed in XX/XX/XXXX. Here is why it is a fraud contract. I changed my name in XXXX. My name before the name change was XXXX XXXX XXXX. Now if I was going to sign any contract I would have signed it under that name. So on the document they listed it as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. And they signed it at the bottom as XXXX XXXX. And it is not my handwriting. This is the fraudulent activities surrounding this debt. I warned them and they have ignored my warning by continue to practice this fraudulent activity. And what is even more alarming I presented these facts with the name change to transunion and they denied my dispute when the fraud is staring them in their face. So I have included them in the violation of my rights in the FCRA and FDCPA. Transunion failed the consumer with poor investigation for the consumer. You will see once you read the contract and the forgery that was used to create it. Transunion looked right over it.

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 2025-04-05 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-05 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found fraudulent accounts. Please remove these accounts, as they are negatively impacting my credit. All of which I am not aware of, and which contains misinformation.

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 2025-04-05 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: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 



I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$7300.00} XXXX - XXXX  - XX/XX/XXXX - {$23000.00} XXXX - XXXX XXXXXXXX - XX/XX/XXXX - {$3900.00} XXXX - XXXX - XX/XX/XXXX - {$7100.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$6100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$420.00} XXXX - XXXX  XXXX XXXX XX/XX/XXXX - {$4200.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX XXXX XX/XX/XXXX - {$960.00}

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 2025-04-05 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: VA

Complaint narrative:
I recently reviewed my credit report and found that XXXX  XXXX XXXX is reporting an inaccurate balance. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incorrect or outdated information. I am formally requesting that you investigate this matter and update or remove the account in compliance with CFPB regulations. Please provide written confirmation of the outcome and a copy of credit report with the updates.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I went to deposit a check into my checking account on XX/XX/year> and XXXX XXXX is holding my funds. I called on XX/XX/year> and was told to submit an appeal. I submitted the appeal on XX/XX/year> and I called again on XX/XX/year> and then the appeals dept emailed me on XX/XX/year> stating that they declined my appeal without a reason and my accounts are still restricted and I can not withdraw any money but I can deposit money. The check was for my bills, a home, and to take care of my XXXX children. I called the issuing bank on XX/XX/year> and they couldn't do a claim because the funds were already released to XXXX XXXX. I spoke to XXXX XXXX on XX/XX/year> and was told that it was the shared bank that held the check. I go into the shared branch today and found out that it wasn't them but XXXX XXXX. I calked XXXX XXXX back and they said I can not speak to anyone in the appeals department but I can submit another appeal. I submitted another appeal today and rhat could take another 10 days. It has been 20 days that I can not access my money without reason.I uploaded XXXX document ls to show proof of the check and they still declined my request to lift the hold and the restriction. I contacted everyone that XXXX XXXX told me to fibd out that it was them! They are holding my funds and XXXX knows for how long. Everytime I called a representative told me a different story. I called on XXXX, and XX/XX/year> to still not have a resolve and can not speak to the department who has the hold on my funds. This has caused me alot of distress in the economy today. I can not even go online to see my bank accounts because they restricted me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX BALANCE {$0.00}, XXXX XXXX XXXX  BALANCE {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX BALANCE {$0.00}, XXXX XXXX XXXX  BALANCE {$830.00}

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 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: TX

Complaint narrative:
I am filing this complaint regarding a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Requirements Relating to Reinsertion of Previously Deleted Material. 

The item in question is listed as follows on my credit report : Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : Avante USA This account was previously deleted from my credit report following a dispute. However, it has since been reinserted without compliance with the legal requirements for reinsertion, which include the following : 1. Certification of Accuracy As required by law, information that has been deleted may not be reinserted unless the furnisher ( Avante USA ) certifies the information is complete and accurate. I was not notified of any such certification being made.

2. Notice to Consumer According to the FCRA, the consumer reporting agency is required to notify me in writing no later than 5 business days after the reinsertion. I did not receive any such notice from the credit reporting agency regarding the reinsertion of this account.

3. Additional Information Disclosure The consumer reporting agency also failed to provide the following required details within 5 business days of reinsertion : A statement that the disputed information has been reinserted ; The business name, address, and phone number of the furnisher ; A notice that I have the right to add a statement disputing the accuracy or completeness of the information. 

The reinsertion of this previously deleted account without following the proper procedures is a direct violation of my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing Chases reporting of a closed credit card account that was inactive on my credit reports for over XXXX years and XXXX  months. In XX/XX/XXXX, the account suddenly reappeared and was reported as newly delinquent, with a fabricated Date of First Delinquency ( DOFD ) listed as XX/XX/XXXX. This appears to be a case of re-aging, which violates the Fair Credit Reporting Act ( FCRA ). 

I have billing statements from XXXX to XXXX, all showing the account was closed. Yet Chase enrolled the account in a payment assistance program on XX/XX/XXXX, without my knowledge or consent. They also added a $ XXXX monthly payment, increased my credit limit from {$5000.00} to {$5500.00}, and re-closed the account on XX/XX/XXXX, one day after I made a payment. I received no notification of any of these actions. 

I also experienced account access restriction and notification suppression : no access to Chases online banking for this account and no alerts about payment changes, program enrollment, or re-closure. 

My XXXX report now lists an incorrect information, opening date ( XXXX instead of XXXX ), a fabricated highest balance of {$9700.00}, a XXXX drop in my credit score. This update first occurred on XX/XX/XXXX but did not appear until XX/XX/XXXX. As a result, another major credit card issuer reduced my credit limit. 

This combination of inaccurate reporting, unexplained reappearance, re-aging and score impact caused real harm and appears deceptive. I am requesting the CFPBs assistance in compelling Chase to delete this and provide documentation on how these entries were determined. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Whom It XXXX Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining XXXX CREDIT BUREAU consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 

Inquiry Name Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX

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