vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Bank, XXXX. ( XXXX XXXX ) XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX Subject : Credit reporting errors, charge-off abuse, fraud, and trust-related discrimination Trusts Involved : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Executed and notarized XX/XX/XXXX Complainant : XXXX : XXXX Executor and Trustee I am submitting this complaint as the Executor and Trustee of XXXX federally recognized ecclesiastical trusts : XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) These entities operate under federal and state religious protections, pursuant to XXXX  XXXX, XXXX XXXX. XXXX, the XXXX XXXX, and XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX ). 

XXXX XXXX Bank, XXXX. ( XXXX CARD ) has reported a charge-off balance of {$3800.00} on an account closed XX/XX/XXXX, with payment history marked as 0 % on-time, without properly issuing a valid IRS Form XXXX. The account remains in derogatory status, causing repeated denials of credit and housing. 

The reported charge-off : Misclassifies ecclesiastical trust property and operations Fails to verify disputed tradelines as required under 15 U.S.C. XXXXi Constitutes deceptive reporting practices under 15 U.S.C. XXXX ( FTC Act ) May involve improper or fraudulent tax instrument filing ( under IRS XXXX inquiry ) Ignores the protections of religious trusts under XXXX XXXX. XXXX ( XXXX XXXX ) and XXXX XXXX. XXXX I am also submitting : A Notarized Durable Power of Attorney establishing lawful standing to act in all trust and financial matters ( Exhibit XXXX  ) A sworn Affidavit of Truth under XXXX XXXX. XXXX ( Exhibit XXXX  ) The disputed credit report with derogatory entry ( Exhibit XXXX XXXX I respectfully request the following relief : Immediate removal of all derogatory tradelines associated with this charge-off A full accounting and disclosure of any IRS tax instruments filed ( XXXX, XXXX ) Restoration of all access to credit or services denied as a result of this unlawful charge-off Referral to federal oversight ( IRS, DOJ, HUD, and CFPB XXXX ) for violations of FCRA, XXXX, FTC Act, and XXXX I assert that XXXX XXXX Bank, XXXX. has acted in willful disregard of federal trust law, tax regulations, and the protected status of ecclesiastical fiduciary property. This has caused economic harm, discrimination, and irreparable harm to the fiduciary obligations I uphold. 

File Description XXXX Notarized Durable Power of Attorney ( Exhibit XXXX ) XXXX XXXX XXXX XXXX XXXX ( Exhibit XXXX ) XXXXXXXX  Screenshot of charge-off and payment history ( Exhibit 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 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
I made a purchase for a shirt from a company called XXXX XXXX approximately four months ago, and I never received the item. I used my Chime Credit Builder Visa Card to pay for the order, which totaled {$62.00}. 

I submitted a non-receipt of goods dispute to Chime on XX/XX/year>. I provided the tracking number ( XXXX ) and explained that the package has shown as pending for months with no evidence of delivery or transit. The merchant has not responded or provided any real resolution. 

Despite my transparency and the lack of delivery proof, Chime denied my claim and is forcing me to pay for an item I never received. Their investigation did not include any real updates or consideration of the tracking status. Ive now tried to dispute this twice, and I feel like Chime is acting fraudulently and violating the protections I should have as a cardholder.

Ive pulled all of my money out of Chime because I no longer trust them. Im asking for support in recovering my {$62.00} and holding Chime accountable for ignoring clear evidence and failing to protect me from a fraudulent charge.

Let me know if you want to add your Claim ID or order number to this, and I can plug that in for you too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by 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 2025-04-21 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several fraudulent accounts and inquiries that have appeared on my credit reports with Transunion. I have been a victim of identity theft, and unauthorized accounts have been opened in my name without my consent. 

The fraudulent accounts include, but are not limited to, the following : XXXX  Unauthorized credit card XXXX XXXX XXXX mobile phone account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent credit card XXXX XXXX Fraudulent credit card The accounts listed were not opened by me, and I did not authorize any transactions associated with them. I discovered this fraudulent activity in XX/XX/year> and have taken immediate steps to report the identity theft through the FTC Identity Theft portal. I am currently working to restore my credit and remove all fraudulent information. 

Attached to this dispute are the following documents to support my claim : FTC Identity Theft Report confirmation Statement detailing fraudulent activity Proof of address and identity

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 2025-04-21 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:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged ff every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I went to the car dealership and found a SUV for {$25000.00} I brought in XXXX as a down payment XXXX XXXX XXXX in XXXX Illinois had me sitting around waiting to XXXX minutes before they close and rush me through the paperwork in the loan they didn't give me anything to read I automatically sign my name on the computer by the time I got my contract from credit acceptance that {$25000.00} vehicle have been changed to XXXX and I asked him to do a investigation when it came back they said they couldn't do anything about it now that I'm paying on this vehicle every time my payment is paid down so I'm paying $ XXXX monthly and the vehicle is only balance is only being decreased by {$270.00} and then they taking XXXX and XXXX points off my credit score every time I make my payment

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 monetary relief
Consumer complaint received 2025-04-20 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: DISCOVER BANK
State: OH

Complaint narrative:
There are significant discrepancies in how this account is being reported across the three major credit bureaus. While XXXX  reports the account as paid on time, XXXX  reports it with eight late payments, and XXXX  lists twenty late payments. Additionally, both XXXX  and XXXX  report this account as charged off while still reflecting a past due balance. According to XXXX XXXX credit reporting guidelines, once an account is charged off, a past due balance should no longer be reported. This dual reporting reflects a clear inconsistency and constitutes inaccurate credit reporting. 
Furthermore, there are discrepancies across all three credit bureaus : XXXX  reports a {$4600.00} balance with a {$3500.00} limit, 132 % utilization, and 8 late payments. 


XXXX  reports the same {$4600.00} balance and {$3500.00} limit, also 132 % utilization, but states the account was paid on time. 


XXXX  reports a {$4600.00} balance and {$3500.00} limit, 132 % utilization, but shows 20 late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
XXXX XXXX, XXXX, XX/XX/XXXX I am filing this CFPB complaint to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block the following unauthorized hard inquiries that appear on my consumer credit file. These inquiries were not authorized by me and are the result of identity theft. 

Disputed Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I did not apply for credit with these companies, nor did I provide consent for any credit checks. Therefore, I request that these inquiries be removed from my credit file within four ( 4 ) business days as mandated by the Fair Credit Reporting Act. 

I have attached the following supporting document : FTC Identity Theft Report ( Complaint XXXX XXXXXXXX ) - A copy of my TransUnion credit report highlighting the disputed hard inquiry in Please note : I was unable to attach a copy of my TransUnion credit report at this time, but the inquiries listed above appear only on my TransUnion file. 

I am requesting written confirmation that these inquiries have been removed. Thank you for your prompt 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 2025-04-21 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: CA

Complaint narrative:
Please see below for my full statement and relevant legal references regarding my complaint about XXXX XXXX XXXX. 
I am writing to file a formal complaint against a company identified as XXXX XXXX XXXX, which has reported derogatory information on my credit report without my knowledge or consent. I have never entered into any contractual relationship with this entity, nor have I received any communication or notice of any debt they claim I owe. 

This company is reporting as a third-party debt collector without adhering to the legal procedures outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to 15 U.S. Code 1692g ( a ) of the FDCPA, a debt collector must provide written validation of the debt within five days of initial communication. I have received no such communication from XXXX XXXX XXXX. 

Additionally, under 15 U.S. Code 1681s-2 ( a ) of the FCRA, furnishers of information have a legal obligation to ensure the accuracy and integrity of the information they provide to credit reporting agencies. Reporting inaccurate or unverified information without proper investigation is a direct violation of this statute. 

Furthermore, courts have established legal precedent that supports a consumers right to dispute inaccurate credit reporting and to expect reasonable procedures from furnishers. Notable case law includes : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) The court held that credit reporting agencies and furnishers of information must conduct a reasonable investigation once a dispute is filed.

Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) This case confirmed that debt collectors can not report information to credit bureaus without first validating the debt.

Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ) This case reinforces that collection activity, including credit reporting, without debt validation is a violation of the FDCPA. 
The reporting by XXXX XXXX XXXX is both inaccurate and unauthorized, and it is causing direct harm to my credit standing and financial wellbeing. I respectfully request that the CFPB conduct a thorough investigation into this matter and take corrective action, including the permanent removal of this entry from my credit report. 

Please find enclosed a copy of my credit report with the disputed account highlighted and a copy of my identification for verification purposes. 

Thank you for your time and attention to this matter. I look forward to your swift response and resolution.

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 2025-04-21 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: CA

Complaint narrative:
Please see below for my full statement and relevant legal references regarding my complaint about XXXX XXXX XXXX. 
I am writing to file a formal complaint against a company identified as XXXX XXXX XXXX, which has reported derogatory information on my credit report without my knowledge or consent. I have never entered into any contractual relationship with this entity, nor have I received any communication or notice of any debt they claim I owe. 

This company is reporting as a third-party debt collector without adhering to the legal procedures outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to 15 U.S. Code 1692g ( a ) of the FDCPA, a debt collector must provide written validation of the debt within five days of initial communication. I have received no such communication from XXXX XXXX XXXX. 

Additionally, under 15 U.S. Code 1681s-2 ( a ) of the FCRA, furnishers of information have a legal obligation to ensure the accuracy and integrity of the information they provide to credit reporting agencies. Reporting inaccurate or unverified information without proper investigation is a direct violation of this statute. 

Furthermore, courts have established legal precedent that supports a consumers right to dispute inaccurate credit reporting and to expect reasonable procedures from furnishers. Notable case law includes : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) The court held that credit reporting agencies and furnishers of information must conduct a reasonable investigation once a dispute is filed.

Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) This case confirmed that debt collectors can not report information to credit bureaus without first validating the debt.

Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ) This case reinforces that collection activity, including credit reporting, without debt validation is a violation of the FDCPA. 
The reporting by XXXX XXXX XXXX is both inaccurate and unauthorized, and it is causing direct harm to my credit standing and financial wellbeing. I respectfully request that the CFPB conduct a thorough investigation into this matter and take corrective action, including the permanent removal of this entry from my credit report. 

Please find enclosed a copy of my credit report with the disputed account highlighted and a copy of my identification for verification purposes. 

Thank you for your time and attention to this matter. I look forward to your swift response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, GA XXXX United States XXXX XXXX XX/XX/year> Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment Complaint Against : - DEPTEDNELNET ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX | ( XXXX ) XXXX ) - XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint against DEPTEDNELNET, XXXX XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer ( DEPTEDNELNET ) has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I just saw hard inquiries on my credit report that I NEVER okayd??? Like, who even are these companies?? I didnt apply for anything, and now my credit scores tanking?? This is so unfair!!! 

DELETE THESE NOW : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ( no clue who this is?? ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( never heard of them!! ) Im freaking out here!!! How did these even get here??? I didnt approve thisyou folks need to fix this mess ASAP!!! Pls remove them and tell me how this happened?? 

Thanks

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just saw hard inquiries on my credit report that I NEVER okayd??? Like, who even are these companies?? I didnt apply for anything, and now my credit scores tanking?? This is so unfair!!! 

DELETE THESE NOW : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ( no clue who this is?? ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( never heard of them!! ) Im freaking out here!!! How did these even get here??? I didnt approve thisyou folks need to fix this mess ASAP!!! Pls remove them and tell me how this happened?? 

Thanks

Company response to consumer: Closed with explanation