vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am reporting XXXX XXXX and Equifax for furnishing and reporting inaccurate credit information. A XXXX account is listed as charged off or in collections, but is still showing as closed with a current balance, credit limit, and available credit. 

This combination is misleading and violates the FCRA ( Sections 607 ( b ) and 623 ( a ) ), as well as Metro 2 / XXXX XXXX. Closed charged-off accounts must not reflect available credit or credit limits. I formally disputed this account and it remains incorrectly reported. I am requesting full deletion or complete correction according to Metro 2 guidelines. 

Please investigate and require the company to comply with federal standards.

Company response to consumer: Closed with non-monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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.The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made a {$320.00} cash deposit at XXXX on XX/XX/year>, to my Chime account. At the time, my account balance was {$2000.00}. After the deposit, my balance stayed the same instead of increasingand shortly after, a charge of {$320.00} was deducted from my account. 

This means my deposit was never properly credited to my balance. Instead, it appears that my own funds were used to offset the deposit, making the transaction look like it was successful even though my actual balance did not increase. 

I have a XXXX receipt showing the deposit, and my XXXX bank statement proves I had {$2100.00} at the end of the month. Chime denied my dispute even though the math clearly shows the {$320.00} cash deposit was never added. 

Im requesting that Chime reopen the dispute and conduct a proper review of the deposit and account activity on and around XX/XX/XXXX. I believe this was either a system error or mishandled transaction, and I want the {$320.00} properly credited to my account.

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: NJ

Complaint narrative:
Before XX/XX/year> I had reached out to XXXX. I stated that I had submitted a School Closure Form ( LD-CS ) prior to this date one year after school closure. I also stated that the Schools Director at that time failed to inform Students that an open investigation was being conducted while attending. This school was The XXXX XXXX XXXX at XXXX, NJ. That XXXX was XXXX XXXX. The school failed to uphold the FOIA for any and all current and new Students in attendance so that we could continue our classes elsewhere and receive what was promised to us, a LICENSE. However I also informed XXXX that after I submitted this application to Fed Loans at that time, no correspondence was ever received on their end to acknowledge this issue. I submitted my forms showing that I have completed my course hours as required and the school failed to uphold their end of my course agreement with them so that I may receive my permit, take my state board exam and receive my state licensing. I did have correspondence with XXXX and they did acknowledge that yes, my form was received those years ago but shows Fed XXXX failed to process my submission. I was then instructed by XXXX to resubmit the same form with my up to date information so that it could now be processed for Closure. I also informed XXXX that the school had lost their accreditation and ultimately it was shut down. It left those of us who had done everything correctly and done all that was required by the school, without any full completion of their part but rather than making things right, we were all left with student loans and no licensing! This should be ILLEGAL! It is morally WRONG to lure a hopeful Student ( s ) to attend a school and over promise anything to them that you fail to deliver on. Especially with any monies having already been received and all requirements being met by that/those Students. At that time I was HOMELESS, with XXXX Children to raise and provide for on my OWN! I did not have any support! This needs to be made right! I needed my state license back then to be able to maintain a solid income and have stability and provide for my children! I was not able to do so because of the failure of this school system!

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: FL

Complaint narrative:
I am formally reporting that TransUnion, Equifax, and Experian are causing me serious harm and distress. Their handling of my personal information has violated my privacy, my rights under the Fair Credit Reporting Act ( FCRA ), and potentially federal criminal statutes under Title 18. 

I believe these agencies are : Publishing or maintaining inaccurate or unauthorized data about me, Failing to properly investigate and correct errors when notified, Sharing my private information without valid consent. 

This has resulted in emotional distress, reputational damage, and denial of essential opportunities. Their actions may constitute willful misconduct and could rise to the level of criminal behavior. 

I demand immediate correction of any inaccurate data, full disclosure of all records tied to my name, and a halt to any further unauthorized use of my information. I reserve the right to take legal action and file complaints with the appropriate federal agencies. 

This is urgent and ongoing. I expect immediate attention to this matter. 

XXXX XXXX XXXX Account # : XXXX Balance : {$5100.00} Date opened : XX/XX/XXXX XXXX Account # : XXXX Balance : {$3900.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2800.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$460.00} Date opened : XX/XX/XXXX XXXX

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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: EdFinancial Services
State: GA

Complaint narrative:
XXXX  XXXX  debt needs disputing also hospital bills!!

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/year> I filed a fraud dispute : company name XXXX XXXX XXXXaccount number XXXX-stated a charge off, with Equifax.I have no unsettled I.R.S. charge offs.with Equifax sent it by certified mail # XXXX ( USPS ) Equifax never excepted the mail at XXXX XXXX XXXX, XXXX Ga XXXX, as of this date the fraud report is on my Equifax credit report this is refusing me service on my credit 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION
State: IN

Complaint narrative:
Sallie Mae is in direct violation of 15 USC 1692d 806. Harassment or abuse They have violated the 7-in-7 and have attempted to contact me after I had spoken with someone about my loan. I am in XXXX  and should continue to be in deferment and owe nothing. They have contacted me 13 times in less than seven days including inconvenient hours as I am at work over the phone this past week and contacted people outside of myself and co-signer. This is harassment and I have grounds to have my loans absolved.

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 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have a derogatory mark on my credit that I have no clue at all about. Someone has stolen my identity and put things in my name. That mark has caused my credit score to go down badly. 

- SUNRISE CREDIT SERVICES - {$2300.00}

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian XXXX XXXX XXXX, TX XXXX Subject : Unauthorized Access to My Consumer Report Without Written ConsentReference : 15 U.S.C. 1681b Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute and inquire about an unauthorized access of my consumer report maintained by Experian. After reviewing my credit report, I noticed one or more inquiries or instances of access for which I never gave written consent. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As defined under 15 U.S. Code 1681b, consumer reporting agencies such as Experian may only furnish a consumer report under specific, permissible purposes, and in many cases, only with the consumers written authorization. I have not provided such consent to Experian or to any third party that may have obtained my information through your bureau.

Accordingly, I am requesting the following : 1. A list of the entity or entities that accessed my credit report without my authorization.

2. The specific permissible purpose Experian relied upon to furnish my information.

3. A copy of any written authorization you claim I provided granting access to my consumer report.

If no valid permissible purpose or written consent exists, I am demanding the immediate removal of any unauthorized inquiries and that you take corrective action as required under the Fair Credit Reporting Act. Continued violation of my rights under the FCRA may lead me to take legal action, including reporting this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please consider this letter a formal dispute and a request for investigation under 15 U.S.C. 1681i. I expect a written response within 30 days as required by federal law. 
Sincerely, 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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand immediate deletion of all inaccurate, unverifiable, and incomplete information.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Over a year ago, Equifax lowered my FICO score for no reason from XXXX to XXXX. I have submitted complaint after complaint, and they refuse to admit their mistake and change it.

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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning fraudulent accounts that have appeared on my consumer credit reports. Upon reviewing my report, I have discovered several accounts which I do not recognize and believe to be the result of identity theft and fraud. The affected accounts are associated with the following companies and account numbers : CAPITAL ONE Account Number : XXXX {$850.00} CAPITAL ONE - Account Number XXXX {$1200.00} XXXX. I have not authorized or opened any of these accounts, leading me to believe that my identity has been compromised. Furthermore, I have numerous notations from credit reporting companies that my information was discovered on the dark web. In accordance with Section XXXXB of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent accounts be immediately removed from my consumer credit reports. Additionally, I ask that all collection activities related to these accounts be halted. I kindly ask that appropriate actions be taken to investigate these accounts and remove them from my credit reports as soon as possible. Furthermore, I would appreciate being informed of any steps I can take to expedite the removal process. Thank you for your attention to this matter, and eagerly anticipate your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: TX

Complaint narrative:
In XXXX, I had a car loan from XXXX with UAC. When the pandemic hit, they charged off my car without any prior notice. The only notice I received was the charge-off notification itself. I was not given any opportunity to discuss or make arrangements with them before this action was taken. Furthermore, in XXXX, my credit report shows that the account is still in collections. It indicates that the charge-off happened in both XXXX and XXXX of this year, which is inconsistent. I have filed multiple disputes to correct this error. After extensive research, as there was no contact information on my credit report, I reached out to them again in XXXX. They once again demanded payment without providing an explanation. They informed me that the only way to pay this debt was to go to the original dealership. However, when I contacted the XXXX I bought the car from, they stated they no longer have access to this record for this debt where they wanted me to pay. As a side note, I would like to indicate that at the time of taking out the loan my name was XXXX XXXX, I have since undergo a name change to XXXX XXXX in XXXX I did notify the company of this I have also notified through disputes on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Urgent Dispute Ally Financial Reporting False Late Payments and Inaccurate Information To Whom It May Concern : I am writing to formally dispute inaccurate data reported by XXXX  XXXX  on my credit profile. These inaccuracies include falsely reported late payments and other misrepresented information. I have maintained on-time payments on this account at all times, and any report to the contrary is factually incorrect and legally impermissible under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

XXXX  XXXX, as a data furnisher, has an obligation under 15 U.S. Code 1681s-2 to provide factual and verifiable information. As credit reporting agencies, you are required to remove or correct all erroneous and unverifiable data once a dispute is submitted. Your continued reporting of this false data demonstrates failure to comply with federal obligations.

Therefore, I demand the immediate deletion of : - All falsely reported late payments associated with XXXX  XXXX  - Any inaccurate, obsolete, or unverifiable details tied to this account across all three major bureaus Should this not be resolved within XXXX calendar days from the date of this notice, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and initiate legal proceedings seeking damages for willful noncompliance. 

This communication will be retained as part of my legal records. 
GOVERN YOURSELVES ACCORDINGLY. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Urgent Dispute Ally Financial Reporting False Late Payments and Inaccurate Information To Whom It May Concern : I am writing to formally dispute inaccurate data reported by XXXX  XXXX  on my credit profile. These inaccuracies include falsely reported late payments and other misrepresented information. I have maintained on-time payments on this account at all times, and any report to the contrary is factually incorrect and legally impermissible under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

XXXX  XXXX, as a data furnisher, has an obligation under 15 U.S. Code 1681s-2 to provide factual and verifiable information. As credit reporting agencies, you are required to remove or correct all erroneous and unverifiable data once a dispute is submitted. Your continued reporting of this false data demonstrates failure to comply with federal obligations.

Therefore, I demand the immediate deletion of : - All falsely reported late payments associated with XXXX  XXXX  - Any inaccurate, obsolete, or unverifiable details tied to this account across all three major bureaus Should this not be resolved within XXXX calendar days from the date of this notice, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and initiate legal proceedings seeking damages for willful noncompliance. 

This communication will be retained as part of my legal records. 
GOVERN YOURSELVES ACCORDINGLY. 

Sincerely, 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