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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : EXPERIAN XXXX XXXX, XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX TransUnion XXXX XXXX, XXXX & XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX EQUIFAX **** XXXX, XXXX & XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account information Account number XXXX Open/Closed Closed Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : EXPERIAN XXXX XXXX, XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX TransUnion XXXX XXXX, XXXX & XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX EQUIFAX **** XXXX, XXXX & XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account information Account number XXXX Open/Closed Closed Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX Account information Account number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: FL

Complaint narrative:
The company keeps contacting me, when Ive expressed them not to. They contact me single everyday.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by 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 2025-04-05 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: GA

Complaint narrative:
The following account is not mine XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
Dear CFPB, I am writing to formally submit my complaint regarding fraudulent transactions that occurred on my Chime account totaling {$2600.00}. 

I filed a dispute with Chime on XX/XX/year> and provided all supporting documentation, including a police report, detailed transaction records, and a written statement identifying the charges as unauthorized. 

As of todays date, Chime has not issued a provisional credit, nor have they provided meaningful updates or resolutions to my case. I am enclosing the following documents in support of my complaint : XXXX. Copy of the fraudulent transactions from my Chime statement XXXX. A police report filed regarding the incident XXXX. The dispute letter I submitted to Chime XXXX. Screenshots and correspondence as further proof I respectfully ask the CFPB to review this matter and ensure Chime complies with Regulation E, which protects consumers in cases of unauthorized electronic transactions.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VT

Complaint narrative:
I am being called almost everyday by Transworld attempting to collect a debt for XXXX XXXX. They always call me when I am at work ( I work XXXX XXXX XXXX ). This has been going on for months now. I did finally tell them to stop calling me at work on XX/XX/scrub> 2025. I was unable to tell them this until so late because I usually cant pick up my phone at work but their calls are extremely distracting. They tried to call back again either on XX/XX/XXXX or the XXXX and I picked up and just said working and hung up. 
They also will not accept a payment plan from me as my amount is too low but I cant afford anything more that what I am offering. I would like to get a payment plan going and for them to stop harassing me and impeding my work day.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Creditor listed as XXXX shows 2 missed payments for all accounts. This is inaccurate, as these loans were under the XXXX XXXX XXXX forbearance program from XXXX XXXX. These are federally backed XXXX XXXX that the government put on forbearance, it is impossible for there to be late payments. This was disputed with Transunion who failed to complete an investigation.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Creditor listed as XXXX shows 2 missed payments for all accounts. This is inaccurate, as these loans were under the federal student loan forbearance program from XXXX XXXX  These are federally backed XXXX XXXX that the government put on forbearance, it is impossible for there to be late payments. This was disputed with XXXX who failed to complete an investigation.

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 status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Creditor listed as XXXX shows 2 missed payments for all accounts. This is inaccurate, as these loans were under the XXXX XXXX XXXX forbearance program from XXXX XXXX. These are federally backed XXXX XXXX that the government put on forbearance, it is impossible for there to be late payments. This was disputed with XXXX who failed to complete an investigation.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing concerning Experian, Equifax and Transunion 's failure to comply with the Consumer Financial Protection Bureau 's ( CFPB ) XX/XX/year>2025 rule, which became effective XX/XX/year>2025, regarding the prohibition of medical debts and collections on consumer credit reports. 

Despite my formal notification to these agencies about this regulatory change, they have refused to remove a medical collection from my credit report. This refusal constitutes a direct violation of current CFPB regulations, which explicitly state that medical debts and collections may no longer appear on consumer credit reports. 

I request immediate action to resolve this matter in accordance with current federal regulations. 

Thank you for your prompt attention to this issue.

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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are- XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, -XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Amount : XXXX, -XXXX XXXXXXXX  opened XX/XX/XXXX Amount : XXXX, -XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and haven't received any type of feedback back

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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  : XXXX DOB : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( hit, run and stall suspect ) hit the XXXX XXXX XXXX XXXX XXXX Number : XXXX Battleship Grey and Brand fog lights and tinted windows used for employment/travel to areas of dim lights for XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX  fraud Scam and the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. Both were conspiring to staela the vehicle at point of delivery to the XXXX XXXX XXXX. Company immediately started the unlawful title theft of the XXXX XXXX Theft per XXXX  and XXXX 's XXXX XXXX XXXX, Ca after the immediate XXXX XXXX approval for body repairs. XXXX never added her name to the insurance claim per statement from XXXX XXXX. I was the primary victim, called police and EMT for the suspect and reported incident to XXXX. The Body shop refused the insurance after confronting the XXXX insurance due to the other victim 's paid months ago. The automobile shop stated to keep the vehicle in the shopo for repair to avoid storage fees. The vehicle had been in attempts of auto recovery from XXXX XXXX XXXX after the elements of vehicle theft in progress XXXX XXXX XXXX, XXXX XXXX, ca XXXX. The vehicle had been unlawfully embezzled from the XXXX XXXX XXXX, XXXX XXXX, Ca XXXX and transferred to XXXX, Ca XXXX XXXX XXXX XXXX XXXX, XXXX, Ca and placed on XXXX for an illegal sale. I immediately conmtacted the several car dealers associated with the XXXX and reached a representative from XXXX. The representstive agreed to release the XXXX XXXX XXXX with a police report XX/XX/XXXX. The XXXX XXXX XXXX XXXX from XXXX provided the police report to retirve vehicle. XXXX XXXX XXXX received many calls notifying them of back-up service for the recovery when arrival would occur after a 5 hour drive. Incident : ( XXXX XXXX stole vehicle with 3 male officers in a fraud scam after arriving with police report ) .The primary officer asserted discriminatory criminal threats and folded the police report and did not read it at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. I left without vehicle to avoid a dangerous outcome, violence and bodily harm. XXXX provided personal reasons for stealing the XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( hit, run and stall suspect ) hit the XXXX XXXX XXXX XXXX XXXX Number : XXXX Battleship Grey and Brand fog lights and tinted windows used for employment/travel to areas of dim lights for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  fraud Scam and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. Both were conspiring to staela the vehicle at point of delivery to the XXXX XXXX XXXX. Company immediately started the unlawful title theft of the XXXX XXXX Theft per XXXX and XXXX XXXX XXXX XXXXXXXX XXXX, Ca after the immediate XXXX XXXX  approval for body repairs. XXXX never added her name to the insurance claim per statement from XXXX XXXX. I was the primary victim, called police and EMT for the suspect and reported incident to XXXX. The Body shop refused the insurance after confronting the XXXX XXXX due to the other victim 's paid months ago. The automobile shop stated to keep the vehicle in the shopo for repair to avoid storage fees. The vehicle had been in attempts of auto recovery from XXXX XXXX XXXX after the elements of vehicle theft in progress XXXX XXXX XXXX, XXXX XXXX, ca XXXX. The vehicle had been unlawfully embezzled from the XXXX XXXX XXXX, XXXX XXXX, Ca XXXX and transferred to XXXX, Ca XXXX XXXX XXXX XXXX XXXX, XXXX, Ca and placed on XXXX for an illegal sale. I immediately conmtacted the several car dealers associated with the XXXX and reached a representative from XXXX. The representstive agreed to release the XXXX XXXX XXXX with a police report XX/XX/XXXX. The XXXX XXXX XXXX XXXX from XXXX provided the police report to retirve vehicle. XXXX XXXX XXXX received many calls notifying them of back-up service for the recovery when arrival would occur after a 5 hour drive. Incident : ( XXXX XXXX stole vehicle with 3 male officers in a fraud scam after arriving with police report ) .The primary officer asserted discriminatory criminal threats and folded the police report and did not read it at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. I left without vehicle to avoid a dangerous outcome, violence and bodily harm. XXXX provided personal reasons for stealing the XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( hit, run and stall suspect ) hit the XXXX XXXX XXXX XXXX XXXX Number : XXXX Battleship Grey and Brand fog lights and tinted windows used for employment/travel to areas of dim lights for XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  fraud Scam and the XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. Both were conspiring to staela the vehicle at point of delivery to the XXXX XXXX XXXX. Company immediately started the unlawful title theft of the XXXX XXXX Theft per XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX Ca after the immediate XXXX XXXX  approval for body repairs. XXXX never added her name to the insurance claim per statement from XXXX XXXX. I was the primary victim, called police and EMT for the suspect and reported incident to XXXX. The Body shop refused the insurance after confronting the XXXXXXXX XXXX due to the other victim 's paid months ago. The automobile shop stated to keep the vehicle in the shopo for repair to avoid storage fees. The vehicle had been in attempts of auto recovery from XXXX XXXX XXXX after the elements of vehicle theft in progress XXXX XXXX XXXX, XXXX XXXX, ca XXXX. The vehicle had been unlawfully embezzled from the XXXX XXXX XXXX, XXXX XXXX, Ca XXXX and transferred to XXXX, Ca XXXX XXXX XXXX XXXX XXXX, XXXX, Ca and placed on XXXX for an illegal sale. I immediately conmtacted the several car dealers associated with the XXXX and reached a representative from XXXX. The representstive agreed to release the XXXX XXXX XXXX with a police report XX/XX/XXXX. The XXXX XXXX XXXX XXXX from XXXX provided the police report to retirve vehicle. XXXX XXXX XXXX received many calls notifying them of back-up service for the recovery when arrival would occur after a 5 hour drive. Incident : ( XXXX XXXX stole vehicle with 3 male officers in a fraud scam after arriving with police report ) .The primary officer asserted discriminatory criminal threats and folded the police report and did not read it at Auto Race XXXX XXXX XXXX XXXX, XXXX, Ca. I left without vehicle to avoid a dangerous outcome, violence and bodily harm. XXXX provided personal reasons for stealing the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation