vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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:
Im attaching an FTC report containing XXXX fraudulent accounts along with XXXX inquires which are fraudulent.

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 2025-02-09 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: OH

Complaint narrative:
My account balance is showing the wrong amount on my Experian, XXXX XXXX XXXX. My account balance is supposed to show paid in full which is {$0.00}, but it's showing i owe {$440.00}. CFPB is supposed to insure ACCURATE information on credit report.

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 2025-02-09 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: OH

Complaint narrative:
My account balance is showing the wrong amount on my XXXX, Equifax XXXX XXXX. My account balance is supposed to show paid in full which is {$0.00}, but it's showing i owe {$440.00}. CFPB is supposed to insure ACCURATE information on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: OH

Complaint narrative:
My account balance is showing the wrong amount on my XXXX, XXXX XXXX TransUnion. My account balance is supposed to show paid in full which is {$0.00}, but it's showing i owe {$440.00}. CFPB is supposed to insure ACCURATE information on credit report.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
CFPB Complaint Letter Inaccurate Late Payment Reporting by American Education Services Subject : Dispute of Inaccurate Late Payment Reporting by American Education Services Dear Consumer Financial Protection Bureau, I am submitting this complaint against American Education Services ( AES ) regarding inaccurate late payment reporting on my student loan account # XXXX. 

I filed for XXXX XXXX XXXX on XX/XX/XXXX, which was discharged on XX/XX/XXXX, as reflected in my credit report. However, despite my bankruptcy status, AES reported multiple late payments during or immediately after the bankruptcy process, which I believe is inaccurate and unfair. These late payments have significantly impacted my credit score and are making it difficult for me to recover financially.

Key Issues with Reporting : AES reported multiple late payments all at once after my bankruptcy was discharged, making it appear as though I had an extensive delinquency rather than a protected bankruptcy status. 
These late payments were not reported in real-time but were instead submitted in a way that severely harmed my credit standing post-bankruptcy. 
The Fair Credit Reporting Act ( FCRA ) requires that all reported credit information be accurate and fair, and I believe this reporting is misleading and unjust. 
Attempts to Resolve the Issue : I have already : Disputed the late payments with the credit bureaus, but they have not been corrected. 
Contacted American Education Services directly and requested a goodwill adjustment to remove the late payments, but they refused to make any changes. 
I am requesting that the CFPB investigate this issue and take appropriate action to ensure that AES updates my credit report fairly by removing these late payments. 

Although I do not have a copy of my bankruptcy discharge letter at this time, my credit report clearly reflects the discharge date ( XX/XX/XXXX ), which should be sufficient for verification. 

I appreciate your time and attention to this matter and look forward to your assistance in ensuring fair credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
i am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts i want removed.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-09 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: Radius Global Solutions LLC
State: WI

Complaint narrative:
My bills were sent to a 3rd party without my consent.

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 2025-02-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report, which I believe are due to fraudulent activity. I did not authorize these inquiries, nor did I apply for credit with these institutions. 

Upon reviewing my credit report, I found the following unauthorized inquiries : XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX ( repeated ) XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX FCRA Violations Related to This Dispute Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ], a consumer reporting agency may only furnish a credit report for permissible purposes. I did not authorize these inquiries, which means they violate FCRA 1681b ( a ) ( 3 ) ( Permissible Purposes of Consumer Reports ).

Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ) ( Procedure in Case of Disputed Accuracy ), credit reporting agencies must investigate disputes within 30 days of receiving a complaint and correct or remove inaccurate information. 

If these unauthorized inquiries are not removed, I request written proof that I provided express authorization for each inquiry under FCRA 1681b ( a ) ( 2 ). Failure to provide such documentation is a direct violation of my consumer rights.

I Request for Immediate Action I formally request that the CFPB take immediate action to : 1. Remove these unauthorized hard inquiries from my credit report.

2. Investigate and provide documentation proving I authorized these inquiries, or confirm their deletion.

3. Ensure that credit reporting agencies comply with FCRA regulations to prevent further unauthorized inquiries.

I expect a written response within 30 days in accordance with FCRA requirements. If no action is taken, I am prepared to escalate this matter, including seeking legal recourse for noncompliance with the FCRA. 

Thank you for your prompt attention to this issue. Please confirm receipt of this dispute and provide an update on the resolution process.

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 2025-02-09 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: Nelnet, Inc.
State: TX

Complaint narrative:
Breach of Privacy : My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records, this breach is a violation of FERPA and its their responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial but also putting me at risk for identity theft by XXXX XXXX and affiliates by accessing my personal and financial information without my authorization. I request that my student loan debt be forgiven and discharged immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We deposited 5 XXXX  checks which need a money code and an authorization code that the bank has to call and get. 4 checks of {$2500.00} and 1 check of XXXX. They processed the XXXX but put all 4 checks of {$2500.00} on hold for 10 days. This should have happened being that they were efs checks and they were already verified by money code and authorization code. Bank of America will not release my money and will not give me a valid reason why. None of those checks exceeded XXXX so there was no reason to effect our business the way that they have. We have been business customers since XXXX  and this is how this company treats loyal business owners.

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 2025-02-10 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: TX

Complaint narrative:
Last month when I tried open a new bank account because of issues with XXXX XXXX checking account I found I had a XXXX  account bank account. XXXX told me the account was closed and they would do further investigation to see about getting me information legally to me.. you spoke since quoted did it hurt my credit record I quoted I have to write to know about all things on my credit record whether it was harmful or not. And I wanted to know what activity was done in my name because i am the victim giving fraudulent and scammers rights over a XXXX XXXX who is not taking from a innocent who gives XXXX bank the right to say no activity on the account for years and i said thats seems odd to keep the account open with no activity for years and told the account was closed. I called the Fraud Department of XXXX twice to get a confirmation number case number or something. Spokesman told me he had to do his research to see what could be disclosed to XXXX late that night XXXX? early morning i was looking into getting a buying a house loan to get my mail properly and grow. Applying on XXXX House XXXX i was informed i all ready had a XXXX account. AGAIN My research determined rocket was a house leaning company. I never got a refund for the ACH transfer rocket to business.Transaction that was charged to my personal bank account. IF XXXX had closed my account two months later it should not be the issue when i log into a XXXX website to find out i still have a bank account with chase not only that but i was in the housing loan department not the bank department and informed i allready have a account? AGAIN and no proper professional.truth about what rights i have as a victim of this incident by a higher up, inform to speak with me about the 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 2025-02-09 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: IN

Complaint narrative:
Due to the data breach and Under the Fair Credit Reporting Act, I am requesting that you investigate these discrepancies thoroughly. I believe that upon review, you will find that this information should not be part of my credit report. 

I kindly ask for a prompt investigation into this matter and a fair solution that includes the removal of all items from my credit report. Please confirm receipt of this letter and keep me updated on the status of my request. 

Thank you for your attention to this serious matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IN

Complaint narrative:
Due to the data breach and Under the Fair Credit Reporting Act, I am requesting that you investigate these discrepancies thoroughly. I believe that upon review, you will find that this information should not be part of my credit report. 

I kindly ask for a prompt investigation into this matter and a fair solution that includes the removal of all items from my credit report. Please confirm receipt of this letter and keep me updated on the status of my request. 

Thank you for your attention to this serious matter. I look forward to your prompt response.

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 2025-02-09 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 am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds stating that the accounts are accurate and verified, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act,15 U.S.C.1681i which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal la and provides consumers with the necessary proff of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
My account and card has unauthorized payments of : 1 ) {$950.00} 2 ) {$430.00} I have an approved police report that was included in my dispute. The police report included identity theft and credit card theft. I also have proof of when and where these unauthorized transactions came from. I recently just spoke with my bank and I was told by another representative that they will ensure I get my funds back but since my claim was denied before I cant use the same evidence. There is no other evidence I can use beside the police report, the police actually going to the location where the incident happened, and the transactions on my bank statements. I was recently told by a CHIME MEMBER that I can not use existing evidence on a claim that was already denied. I believe that is very inaccurate or the CHIME SERVICE MEMBER doesnt have a clue what hes talking about. Ive been approved for another small claim that was unauthorized for : 1 ) {$26.00} I was told by a CHIME SERVICE MEMBER that they go by a claim by claim basis. Meaning that they pick and choose which claim should be approved. With the small claim I was approved for which was {$26.00}, I submitted absolutely NO PROOF. The major flagged unauthorized claim I had in my account ever in 6 years was denied when I have law enforcement proof and account proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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.

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following personal information is incorrect XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXX  XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX  Account Number : XXXX Please remove it from my credit report XXXX. XXXX Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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:
Experian, Equifax, Transunion XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Please remove current address and update New address. Current address on file is now a non mailable address please remove from credit file. 

please see attachment

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 2025-02-09 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: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Civil Liability for Negligence Dear consumer report I am writing in reference to the notice I received regarding the civil liability claim for negligence under the reference number XXXX. After carefully reviewing the situation, I believe that the claim of negligence is unjustified, and I respectfully dispute the liability. 
I would like to clarify the following points : 1. Lack of Negligence : Based on my understanding of the events leading to the alleged negligence, I do not believe my actions or omissions were negligent in any way. I took reasonable precautions and acted with due care, and I am confident that I did not fail in my duty of responsibility. 
XXXX. Absence of Evidence : To date, I have not been presented with any clear or convincing evidence to substantiate the claim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I respectfully request that you provide any documents, statements, or other evidence that support the assertion of negligence in this case. 
3. Details of the Alleged Incident : If the claim is based on a specific incident or event, I request further details, including the date, location, and circumstances surrounding the incident. I would also appreciate clarification on how my actions, or lack thereof, directly contributed to the alleged negligence. 
In light of the above, I request that you review the facts of the case and provide a full explanation of why this civil liability claim is being made. If necessary, I am prepared to provide further documentation or clarification from my side. 
Please respond in writing within 30 days to resolve this matter. I am confident that upon review, it will be clear that I am not liable for negligence. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXXXXXX 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