vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
On Wednesday, XX/XX/year>2025 I contacted First National Bank of Omaha ( FNBO ) to figure out why a 3rd joint account was standing at XXXX when it should have been at a positive {$64.00}. The representative sent me to a collections dept. where I was told they pledged that amount to cover another checking account. I spoke to a representative over a week prior to this conversation and they advised me on the timeframe that I can get the funds in without my other account being affected. This collections representative advised me not only this was not the case but, different departments handle collections differently and no one really communicates what was told to the other in these depts. My response was it's Unfair banking and the only one that suffers from Misinformation is the customer themselves. My 3rd account is frozen, there is no resolution and this is nothing but, bank bullying tactics against their own members. There is no reason to hold my 3rd account hostage when they have a direct deposit currently set up for the first overdrawn account to occur. Because of this freeze on the 3rd account it disallows me from even curing the balance offset to begin with. They say they put this information in fine print about holding accounts hostage when really that should be a main point of presentation to allow a person full transparency so that they would have made an completely informed decision to do business there.

This isn't the first time they have done jenky banking and hopefully there's enough complaints on this organization that an attorney finally picks it up and file a class action because if this can happen to me it most likely have happened to others.

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 2025-04-30 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I do not owe this debt, and it does not belong to me. Please remove my contact information from your records related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

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 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 2025-04-30 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries nor to view my consumer report. In addition, I did not give any permission to furnish such information onto my report. This is a violation of Fair Credit Report ACT Section 1681b ( c ) as fraud & breach of my privacy. Inquiries that's not authorized. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Experian regarding several inaccurate and derogatory entries that appear on my credit report. These include discrepancies in personal information, such as outdated addresses and inconsistent name formatting, which are misleading and do not reflect my current identity profile. 

In my letter, I specifically addressed grouped account issues, including : Multiple open student loan tradelines ( XXXX ) reporting 150-day late payments without dispute notations. 
A charged-off account from XXXXXXXX XXXX XXXXXXXX marked as a loss but reported inconsistently. 
A XXXXXXXX XXXX  account showing misaligned dates and balance discrepancies. 
A XXXX XXXX XXXXXXXX XXXX  reported as unpaid balance reported as a loss, with outdated remarks and activity dates. 
Medical and utility collections ( including from XXXX XXXX XXXX  and XXXX ) reported without providing itemized or validated documentation. 

Additionally, I identified two hard inquiries dated XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX ( XXXX XXXX  ) that were made without my consent or a permissible purpose, violating the FCRA ( 15 USC 1681b ). 

These accounts and inquiries have caused significant damage to my creditworthiness and do not meet the standard of maximum possible accuracy as required under federal law. I formally requested a reinvestigation and deletion of all unverifiable information within the timeframe required by 15 USC 1681i.

Despite taking these steps, these issues have not yet been resolved in compliance with the FCRA.

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 2025-04-30 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.

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 2025-04-30 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/2025

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 2025-04-30 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report and have no clue how they got there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even tried refreshing the browser, thinking it might be a temporary glitch, but the errors remained. Because of this, Im requesting a careful review of the documents I submitted to ensure this doesn't become a recurring concern.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-30 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 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: NY

Complaint narrative:
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$7600.00} Status Account charged off. {$7600.00} written off. {$2900.00} past due as of XXXX XXXX. 

XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/XXXX. 

XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$8200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
On XX/XX/2025 a criminal stole my debt card while i was out shopping. i notified the bank within XXXX hrs of the event. My bank is Chase Bank i also filed a police report with my local department. the thief went into the bank stood in front a teller with only my card, no other information, no id, no additional security information and used my debt card to clean out all XXXX of my bank accounts. this person who i don't know and did Not authorize used the atm for a few small amounts and as i said went into the bank and the teller gave them the rest of my money. no questions ask. this involve XXXX checking accounts and XXXX savings account. all together this piece of XXXX took {$13.00}, XXXX ya you read that right! i filed reports right away within an hour and filed police reports etc, been into the bank branch numerous times. the bank branch agrees that i was robbed and a crime was committed and that the bank should give me my money back. the branch has sent complaints to the corp fraud dept saying this. Chase bank fraud dept has just told me that they basically investigated and have decided i am not getting my money back. they say they think i am lying and they are not going to help me. the fraud dept has nothing to support their position, evidence points to the fact that a crime was committed and i am a victim of bank fraud and Chase bank helped them in my opinion. the local police have requested the camera footage we intend to find the piece of sht and put them in jail. i believe XXXX knows i was robbed but they just do not want to give me back my money so to get around the whole thing they just say i am XXXX  according to the staff at my local XXXX branch this is how the fraud dept is handling these cases now. they told me other stories where clearly the person was robbed and chase fraud just denies the claims in order to save money and screws over their customers. it is clear that consumer money is not safe at Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MD

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 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 2025-04-30 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IN

Complaint narrative:
XX/XX/XXXX OR XXXX 2022 A WHOLE MORTGAGE WAS ON MY REPORT AND THEY TOOK MONTHS TO DELETE IT FINALLY IT TOOK OVER A XXXX POINTS FROM ME AND I WAS JUST ABOUT TO START GETTING PRE approved for homes THIS PUT ME IN A BIND BECAUSE I COULDN'T USE ALL MY GRANTS FOR FIRST TIME HOME BUYERS ETC, ALSO I WAS INCLUDED IN THE EQUIFAX DATA BREACH I MADE A CLAIM WITH THEM AND I CALLED EVERY OTHER WEEK AND THEY KEPT TELLING ME I DIDN'T NEED TO DO ANY THING FURTHER THEY HAD ALL THE INFO THEY NEEDED TO PAY ME OUT, THEY LIED THE FINAL TIME I CALLED THE LADY TOLD ME THEY MAILED A LETTER AND I DIDNT RESPOND BUT I GET INFORMED DELIVERY THROUGH XXXX EVERY DAY A EMAIL WITH PICTURES OF EVERY PIECE OF MAIL THAT COMES TO MY ADDRESS AND. NOT ONE LETTER NOT 1 THEY SCREWED ME OVER AFTER ME AND MY KIDS WHOLE LIVES HAVE BEEN XXXX DOWN SINCE THAT BREECH TONS OF FRAUD ACCOUNTS TAKES ME MONTHS EVEN YEARS TO GET THEM TO FINALLY HEAR ME AND MAYBE REMOVE IT BUT THEN THEY JUST ADD ALLLLL OF THEM BACK A FEW MONTHS LATER THIS IS CRAZY

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 2025-04-30 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : ACCOUNTS : XXXX ; XXXX the Account Number : XXXX * * * * * * * * * * ; Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX ; Under the Account Number : XXXX * * * * * * * * * * ; Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX ; Under the Account Number : XXXX * * * * * * * * * * ; Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX ; Under the Account Number : XXXX * * * * * * * * * * ; Opened On : XX/XX/XXXX INQUIRIES FROM : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REMOVE IMMEDIATELY ). 

These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with non-monetary relief