vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject of Complaint : Unauthorized Sharing of Personal Information and Harassment Involved Entities : Regions Bank XXXX XXXX XXXX XXXX ( Third-Party Collection Agency ) To Whom It May Concern, I am writing to formally file a complaint against Regions Bank for the unauthorized disclosure of my personal and financial information to a third-party debt collection agency, XXXX XXXX, XXXX XXXX without my express written consent or prior knowledge. This disclosure constitutes a severe violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

Without receiving any prior notice, Regions Bank furnished my private information to XXXX XXXX, who has since launched an aggressive and harassing campaign of communication against me. I have received numerous letters and unsolicited, harassing telephone calls from XXXX XXXX. These communications have not only caused severe emotional XXXX, but they have also disrupted the nature of my employment due to the volume, tone, and persistence of their contact. 

I did not authorize Regions Bank to release or share any of my personal, financial, or account-related information to XXXX XXXX or any third-party agency. Under the provisions of the XXXX, financial institutions are required to protect consumer data and are prohibited from disclosing such information to unaffiliated third parties without proper notice and the opportunity for the consumer to opt out. In this case, none of these protocols were followed. 

Furthermore, the FDCPA strictly prohibits third-party debt collectors from engaging in any form of harassment or conduct that may reasonably be expected to abuse or harass the consumer. XXXX Alliances actions have grossly violated these statutes.

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 2025-08-04 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: NC

Complaint narrative:
I am a victim of identit theft, someone has used my personal information to open these accounts. Ive never let anyone use my name social or date of birth to open any of these accounts.

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 2025-08-04 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:
I am a victim of identit theft, someone has used my personal information to open these accounts. Ive never let anyone use my name social or date of birth to open any of these accounts.

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 2025-08-04 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: CT

Complaint narrative:
Back in XXXX I opened up a XXXX account and paid my monthly payments and in XXXX XXXX XXXX  took over for XXXX and XXXX XXXX  was double charging me which I called and talked to the people there numerous of times and was told it would get taken care of and it never did I paid off my finger account and still was being charged XXXX bank sold it to a deck collector in which I spoke to and explained to him what happened and showed him the proof of what happened and he removed it from collections because it was inaccurate information. I would like to have these serious delinquents removed from my credit report because it is unfair to me and not right on their part to be double billing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-04 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: GA

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-04 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: IL

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I bought a XXXX ticket from someone named XXXX XXXX. The XXXX account that I sent money to is under the phone number XXXX and the amount is {$200.00}. 

His XXXX account that I was messaging when I got scammed XXXX Since it was sent through XXXX XXXX payment, I understand that I might not get any money back, but I still want to make sure I report the fraud. 

The lolla ticket number was XXXX and the members of the staff took that band.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Byrider Franchising, LLC
State: FL

Complaint narrative:
Statement Regarding CNAC  Auto Loan Account # XXXX I was incarcerated from XX/XX/year>, to XX/XX/year>, during which time I was unable to continue communication or payments on my auto loan with CNAC. Prior to my incarceration, I had made every monthly payment on time, and the account was in good standing. Unfortunately, the vehicle was repossessed and the account was charged off during this hardship period. 

I have since provided CNAC with documentation of my incarceration and requested a goodwill adjustment to reflect the accurate history of this account. I am committed to rebuilding my credit and believe this situation was temporary and does not reflect my usual financial behavior. 

Thank you for allowing this explanation to be attached to my credit report. 
The account being in good standing before XX/XX/year> Lack of opportunity to resolve before charge-off Possible misrepresentation of your payment history Optional request for goodwill adjustment or charge-off removal, especially given my circumstances I have included documentation verifying that I was incarcerated from XX/XX/year>, to XX/XX/year>. The vehicle was repossessed and the account charged off during this period, when I had no access to manage the account or respond to CNAC. Prior to this, I consistently met all payment obligations, as reflected in my payment history. 

In light of these exceptional circumstances, I am respectfully requesting a goodwill adjustment or correction to the reporting of this account, as well as verification under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I recently pulled a copy of my consumer reports and noticed a negative remark reporting on my Equifax report that is not reporting on XXXX  so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} MIDLANDCRE - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$85.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX - Account XXXX XXXX XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
To Whom It May Concern, I am writing to request an immediate reinvestigation into the student loan accounts listed on my credit report, as I have identified inaccurate and misleading information being reported. These errors are in violation of the Fair Credit Reporting Act, which requires all information furnished to consumer reporting agencies to be accurate and verifiable. 

DEPT OF ED/XXXX  XXXX AMOUNT : {$38000.00} DEPT OF ED/XXXX  XXXX AMOUNT : {$6000.00} DEPT OF ED/XXXX  XXXX AMOUNT : {$3700.00}

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 2025-08-04 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:
To Whom It May Concern, I am writing to request an immediate reinvestigation into the student loan accounts listed on my credit report, as I have identified inaccurate and misleading information being reported. These errors are in violation of the Fair Credit Reporting Act, which requires all information furnished to consumer reporting agencies to be accurate and verifiable. 

DEPT OF ED/XXXX  XXXX AMOUNT : {$38000.00} DEPT OF ED/XXXX  XXXX AMOUNT : {$6000.00} DEPT OF ED/XXXX  XXXX AMOUNT : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report.

OR This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics.

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Under the FCRA, you are legally required to investigate these disputes within 30 days. Due to the damaging and incorrect nature of these accounts, I am demanding removal within 24 hours. Failure to comply will result in : Formal complaints filed with the CFPB, FTC, and State Attorney General Legal action for willful noncompliance with federal credit laws Damages for emotional distress and denied opportunities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Palmar, Inc.
State: FL

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report.

OR This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics.

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Under the FCRA, you are legally required to investigate these disputes within 30 days. Due to the damaging and incorrect nature of these accounts, I am demanding removal within 24 hours. Failure to comply will result in : Formal complaints filed with the CFPB, FTC, and State Attorney General Legal action for willful noncompliance with federal credit laws Damages for emotional distress and denied opportunities

Company response to consumer: Untimely response
Consumer complaint received 2025-08-04 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 follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} INQUIRIES : XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-04 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XX/XX/year>, I purchased roundtrip flights with XXXX XXXX for myself and my daughter, which included four paid seat upgrades two of which were explicitly tied to XXXX accommodations. The flights were scheduled for XX/XX/XXXX and XX/XX/year>. Despite prepaying and submitting documentation in advance, XXXX reassigned all XXXX seats without notice on both flights. No XXXX accommodations were honored, and the upgraded seats I paid for were not provided. XXXX offered only a {$30.00} voucher and refused a refund, even after I cited relevant violations under the Air Carrier Access Act ( ACAA ) and Department of Transportation ( DOT ) guidelines. 

I submitted a formal dispute to Navy Federal for the full amount of {$1900.00}, including documentation showing I was denied services I paid for. Navy Federal denied my claim, stating the charges were non-refundable. However, Regulation E requires that financial institutions investigate claims of non-receipt of services, especially when unauthorized or undelivered transactions are involved. My dispute was not meaningfully reviewed, and this constitutes a failure of Regulation E compliance. The bank has not protected me as a consumer. 

Needless to say, I am beyond frustrated. I am now actively considering switching banks because of how this dispute was handled not only because of the financial loss but because I was denied accommodations that impact my health and safety. This experience has caused significant stress, and the lack of accountability from both XXXX and Navy Federal is unacceptable.

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