vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-12 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX continues to report XXXX charged-off accounts on my credit file ( account numbers ending in XXXX, XXXX, and XXXX ) as Potentially Negative with open balances and derogatory status. However, XX/XX/XXXX XXXX issued XX/XX/XXXXForm XXXX for each of these accounts in XX/XX/XXXX, which is also confirmed on my official XX/XX/XXXXWage and Income Transcript. 

These forms demonstrate that the debts were canceled and reported to the XX/XX/XXXXas income, which means they are no longer legally owed. Continuing to report these accounts as collectible or delinquent is misleading, materially inaccurate, and violates the Fair Credit Reporting Act ( FCRA ), XX/XX/XXXXregulations, and XXXX XXXX industry standards. 

I previously submitted disputes to the credit reporting agencies ( Experian, XX/XX/XXXX, and XX/XX/XXXX), attaching copies of the XXXX forms and my XX/XX/XXXXtranscript XXXX Despite that, the accounts are still being reported with balances and charge-off status. The CRAs stated the information was verified, but XXXX XXXX is the source of that data, and the continued reporting contradicts what was reported to the XX/XX/XXXX. 

Because XX/XX/XXXXXXXX is furnishing inaccurate and misleading data to the CRAs, I am now filing this complaint and requesting that the CFPB require XXXX XXXX to correct or remove these accounts from all credit reporting agencies in compliance with federal law and tax regulations. 

Thank you for your attention to this matter.

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 2025-08-12 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX continues to report XXXX charged-off accounts on my credit file ( account numbers ending in XXXX, XXXX, and XXXX ) as Potentially Negative with open balances and derogatory status. However, XXXX  XXXX issued XXXX  Form XXXX for each of these accounts in XXXX, which is also confirmed on my official XXXX Wage and Income Transcript. 

These forms demonstrate that the debts were canceled and reported to the XXXX  as income, which means they are no longer legally owed. Continuing to report these accounts as collectible or delinquent is misleading, materially inaccurate, and violates the Fair Credit Reporting Act ( FCRA ), XXXX  regulations, and XXXX XXXX industry standards. 

I previously submitted disputes to the credit reporting agencies ( XXXX, Equifax, and XXXX  ), attaching copies of the XXXX forms and my XXXX transcript XXXX Despite that, the accounts are still being reported with balances and charge-off status. The CRAs stated the information was verified, but XXXX XXXX is the source of that data, and the continued reporting contradicts what was reported to the XXXX. 

Because XXXX  XXXX is furnishing inaccurate and misleading data to the CRAs, I am now filing this complaint and requesting that the CFPB require XXXX XXXX to correct or remove these accounts from all credit reporting agencies in compliance with federal law and tax regulations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
To whom this may concern, I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows 2 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXXXXXX XXXX DATE : XX/XX/2025 INQUIRY ACCOUNT NAME : XXXX XXXX XXXXXXXX DATE : XX/XX/2025 Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/year>, I contacted the following debt collection companies and requested validation of the alleged debts pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( Section XXXX ). Specifically, I requested a physical copy of my signature on any documents that prove the debts are mine. 

XXXX {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX'Subject: Formal Dispute & Request for Deletion Under FCRA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern,XXXXThis letter serves as a formal dispute and request for deletion of inaccurate and fraudulent information appearing in my consumer reports with Equifax, Experian, and TransUnion. These items remain in my file despite prior disputes and the submission of FTC identity theft reports and supporting documentationXXXX FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you are required to investigate, block, and delete all disputed accounts that cannot be verified with original signed agreements, complete payment histories, and a documented chain of custody.XXXXAdditionally, under FCRA  XXXX XXXX XXXX XXXX I request the legally permissible purpose for all hard and soft inquiries listed below. If you cannot provide a valid legal reason and documentation, you must delete these inquiries immediately.XXXXDisputed Furnisher Accounts & XXXX  Certified Tracking Numbers\XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIdentity Theft & Block RequestXXXXPursuant to FCRA  XXXX XXXX XXXX XXXXXXXX I demand that you immediately block all information resulting from identity theft that I have reported through the attached FTC Identity Theft Reports, including but not limited to the above-listed accounts.XXXXYou are also instructed to permanently remove from my credit file:XXXXAll phone numbers do not belong to me.XXXXAll employer listings are not authorized by me.XXXXAny names other than my full legal name: XXXX XXXX XXXXRequired ActionXXXXYou must:XXXXDelete all inaccurate, unverifiable, and fraudulent accounts.XXXXBlock all identity theftrelated entries under FCRA XXXXRemove unauthorized inquiries that lack a permissible purpose under FCRA  XXXX  Provide an updated credit report confirming the deletions.XXXXProvide a detailed description of each investigative step taken per FCRA 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 2025-08-12 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:
These accounts are unfamiliar to me and possibly linked to fraudulent activity. I request a full investigation and their removal from my credit file. Supporting documents are included.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I attempted to withdraw XXXX Equivalent to XXXX USD from an international ATM in XXXX, XXXX. Upon seeing a high foreign ATM fee, I canceled the transaction before receiving any cash. The ATM did not dispense any money. 

My account was still debited for the withdrawal amount and fees. Upon arriving to XXXX, I filed a dispute with Chase under the Electronic Funds Transfer Act ( Regulation XXXX ) on XX/XX/XXXX. Chase issued a provisional credit while they investigated. On XX/XX/XXXX I received a notification my claim was denied and they would reverse this credit on XX/XX/XXXX, claiming the ATM operators provided proof funds were disbursed. When I asked what was their proof, Chase representative told me if was the balance sheet from that day. Which is NOT the proof that money was dispensed. 

On XX/XX/XXXX I called claims department and a Chase supervisor named XXXX told me on a recorded line that my claim would be refiled and that it was all taken care of, I specifically asked if credit would be reversed and she assured me Chase would pay and that the provisional credit would not be reversed. The credit was reversed anyway. I have no evidence that any reinvestigation occurred. Chase asked me to provide any sort of receipt or a screenshot of at ATM showing transaction was cancelled. I explained that I did not have any receipt to provide nor screenshot of ATM. I do not recall getting a receipt from ATM after I cancelled the transaction. I asked another Chase representative named XXXX to go back to ATM operators and ask if they provide a receipt after customer cancels the transaction but he told me they only use XXXX attempt of investigation, which made me question if another investigation was ever conducted after my claim was refiled by XXXX on XX/XX/XXXX as she said she would. 

I asked Chase to request camera footage from the ATM, but they stated they could not because it was an international, non-Chase ATM. This means they were unable to obtain direct physical evidence of whether cash was actually dispensed, yet they still denied my claim. 

Under XXXX CFR XXXX, a banks investigation must be reasonable, and if they can not obtain conclusive proof that the consumer received the funds, they must resolve the error in the consumers favor. Chases investigation was incomplete and their denial was not supported by sufficient evidence. 

I request that CFPB require Chase to restore the withdrawn funds and fees, provide proof of any reinvestigation conducted, and demonstrate compliance with XXXX XXXX investigation and provisional credit rules. 

I am attaching written communication with Chase. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a final and formal demand to permanently remove the following false, outdated, or unauthorized address from my credit file maintained by your agency

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 2025-08-12 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.

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX CO XXXX XXXXXXXX has violated my rights, This account is listed as a repossession. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. Title XXXX of the United States Code, Section XXXX A, states that I have the right to privacy Title XXXX of the United States Code, Section XXXX A, Section XXXX : Also states that the credit reporting agency XXXX not provide an account without my written instructions

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 2025-08-13 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And XXXX also filling this complaint due to XXXX  repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - XXXX XXXX. XXXX Failure to conduct a reasonable reinvestigation - XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to forward all submitted documentation to furnishers - XXXXXXXX XXXX XXXXXXXX ( b ) Failure to maintain maximum possible accuracy - XXXX XXXX. XXXX Failure to block fraudulent accounts upon identity theft report - XXXX XXXX. XXXX Identity Theft and Assumption Deterrence Act - XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX  XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA XXXX ( a ) ( XXXX ) ( B ) ), Failure to investigate identity theft ( FCRA XXXX ), XXXX XXXX XXXX, Failure to conduct reasonable reinvestigation ( FCRA XXXX ), Failure to maintain accuracy ( FCRA XXXX ( b ) ) Accounts reinserted without XXXX  or consumer notice, XXXX XXXX XXXX ( codes XX/XX/XXXX ), FCRA XXXX and XXXX ( a ) ( XXXX ) violations Pattern of Misconduct { CREDIT BUREAU NAME } XXXX XXXX This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct XXXX reporting here. I am directly experiencing the same violations as outlined in that case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I have set up automatic payments XXXX times since my account was transferred to Mohela, but each time the payments did not process correctly, resulting in interest charges. Despite repeatedly setting up the automatic payments, this issue continues to occur. Additionally, it appears that my payments have not been applied toward the principal balance as they should be.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SLM CORPORATION
State: TN

Complaint narrative:
This case went to court and the courts dismissed this. Also the company wont provide the info of how much they sold the credit for because it was sold for less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
USAA FSB sent notice that they required a photo id and physical address and social security number for our minor turning XXXX. We disagree. We consider that an over reach and not supported by the Social Security Act of 1934. We therefore request that USAA FSB accept the passport copy and passport id card real id as proper credentialing. Further the address used by the United States Department of State is sufficient.

Due to USAA FSB late notice in sending US Mail and threatening to suspend/ close the account we are concerned that USAA will close the account before our credentials reach USAA . Therefore we are sending Notice thru CFPB for USAA not to close the account and further to provide enacting legislation and Constitutional authority for their actions. We do not see any basis in the Kentucky Constitution or Constitution for the United States of America to support USAA FSB overreach. 

We serve Notice to XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX that the published Fee Schedule is in effect. The prior liability on XXXX XXXX former XXXX  of USAA remains on the XXXX XXXX XXXX and the XXXX XXXX  until remedied. Remedy has not been provided. Payment of {$1000.00}, XXXX will be acceptable remedy to settle at the discounted rate, otherwise any failure will be seen as USAA acceptance and acquiescence and stipulation that our claim remains valid and enforceable. 

Please see attached correspondence to USAA FSB

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 2025-08-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have included the necessary documents to support my claim.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I assert that the false late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

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 2025-08-12 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: IL

Complaint narrative:
I am filing this complaint with full confidence in its validity and deep frustration over the numerous errors on my credit report. These inaccuracies have severely damaged my credit score and quality of life, preventing me from achieving financial stability and independence.

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 2025-08-12 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: IL

Complaint narrative:
I am filing this complaint with full confidence in its validity and deep frustration over the numerous errors on my credit report. These inaccuracies have severely damaged my credit score and quality of life, preventing me from achieving financial stability and independence.

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