vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX/2023

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 2025-05-29 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: FL

Complaint narrative:
I fallen victim to a scam that I unfortunately associated myself with starting from XXXX online on XX/XX/XXXX around XXXX. There are screenshots posted below. How it first happened was that one of my followers messaged me saying that they falsely reported my account for fraud and that I had to contact a support person from XXXX  ( XXXX ) to resolve this, otherwise my IP address for XXXX will get banned after 12 hours. That follower that sent me those messages, that I realized too late, was a hacker. I had to message this person on XXXX. I had to do this " validation '' process so that the fraud report would be lifted off of my account. The process involved sending thousands of dollars from my bank and credit card accounts. The scammer threatened that I could be reported to the authorities. I attached some screenshots of the chat on XXXX of the scammer coercing me and influencing me to authorize these transactions so they can go through. The scammer convinced me to go on these money transfer websites such as XXXX XXXX and XXXX and transfer my funds to whomever in the XXXX. They even went through the lengths to make me use XXXX and XXXX. The scammer was impersonating an engineer that works at XXXX, they posted his XXXX on his XXXX profile to make themself look legitimate. He sent me his resume to prove his credentials too, which sadly worked. The scammer even coerced me in screen recording my phone so that they were seeing everything I was doing while I was navigating my phone. I'm afraid they saw most of my personal information. This all took an emotional and mental toll on me. I even unfortunately was convinced to take money out of my own mothers bank account. I was filled with agony since my mother had a bill she needed to pay. This ordeal had gone on through XXXX for almost 6 hours up until XXXX am XX/XX/XXXX. This scammer manipulated me into giving him about {$5500.00}. The two transactions that I wanted disputed from Chase were {$1000.00} and {$220.00} both from the same money transfer website. The rest of the funds taken were from my XXXX XXXX Credit Card. For the XXXX XXXX Credit Card, I am waiting to hear back from them if they dispute those charges if not, I'll make another complaint. I contacted Chase and filed a dispute with them on these charges on my debit card after explaining my case. The first person I spoke with told me they can not do anything because they were authorized. Then they transferred me to the claims department to get a new debit card and decided to then let me file a dispute on these charges. I was then notified on XX/XX/XXXX by Chase that they will not take any further action and help me receive back these charges. I will get a new debit card in a few weeks however. I am distraught because most of my balance has been taken from me and I needed my money I previously had to get through this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
I DID NOT OPEN, AUTHORIZE, OR HAVE ANY KNOWLEDGE OF THE FOLLOWING ACCOUNTS AND INQUIRIES APPEARING ON MY CREDIT FILE. I'VE TRIED ASKING FOR INFORMATION, RESOLUTIONS AND DELETIONS SEVERAL TIMES. I HAVE SENT CEASE AND DISIST LETTERS PLUS MORE THROUGH EACH COMPANY AND CFPB COMPLAINTS AND THE CREDIT REPORTING AGENCY IS NOT ABIDING BY THE FCRA LAW THAT IS SUPPOSED TO PROTECT US. 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 ATTACHED IS FTC REPORT, AFFIDAVIT, ID, BANK STATEMENT WITH NAME AND ADDRESS

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 2025-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: MI

Complaint narrative:
Was denied by mohela for loan discharge even though I was sent documents stating all loans will be discharged because of predatory loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate. 
Delete the accounts below : 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

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 2025-05-29 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate. 
Delete the accounts below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
I am writing to formally request verification of an account listed on my credit report from Equifax. The details are as follows : Creditor : XXXX XXXX XXXX Amount : {$640.00} Status : Outstanding collection account I am unaware of this account and request all related documentation, including the original creditor 's information and any relevant account details. 

Most of my accounts, especially major creditors, are consistently shown on all 3 bureaus, which I have provided. This account I am unaware of!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I opened a mortgage with XXXXXXXX XXXX in spring of XXXX. I have always paid on time. in XXXX I switched home owners insurance companies and I got the due dates confused an paid the insurance XXXX days late. We don't escrow. Everything was fine, then XXXX year later XXXX XXXX  decided that since I paid the insurance XXXX days late a year ago they were going to put in in escrow. I contested this and they took me off of escrow. I paid the insurance in full so in XXXX of XXXX XXXX decided that they were going to pay in full the insurance I had already paid. 

Then last year in XXXX XXXX years later they decided that I owed them money for the insurance that they decided to pay for that was already paid. I continued to pay my mortgage on time. So instead of taking this out of my mortgage payment they decided to count my mortgage late and turned me into the credit bureau. My credit score when down XXXX points in XXXX year because they reported XXXX late payments that were not late. I got it straightened out and they refunded the fees. They even reported that I was up to date with the credit reporting agencies. The issue is it is still showing that I was late when I was not so it is still on there and it is hurting my credit. My credit is now XXXX which should show how good my credit was after loosing XXXX points.

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It is hereby demanded that Respondent ( XXXX ) immediately cease and desist from further contact, directly and indirectly, forever and in perpetuity, regardless of the circumstances, and ( XXXX ) permanently remove all personal data, again, forever and in perpetuity, regardless of the circumstances, including, but not limited to, first name, last name, social security number, date of birth, mailing address, phone number, and any other personal information, in regards to all current and past Capital One accounts, regardless of status. 

At all times relevant, Respondent committed the following unlawful actions tantamount to bad faith, in violation of state and federal banking laws and regulations, in part, as follows : Unlawful Restriction on All Accounts. Upon Respondents unlawful freezing of all remaining account funds, in retaliation for having filed aforementioned fraud claims, Respondent unlawfully restricted access to all Capital One cards # XXXX, # XXXX, # XXXX, solely premised on the false accusation of having committed a fraudulent wire transfer 54 days prior, and that such restrictions occurred under the false pretense of account security ; NO FURTHER BUSINESS WHATSOEVER, REGARDLESS OF THE CIRCUMSTANCES, SHALL OCCUR WITH RESPONDENT UNTIL THIS MATTER IS FULLY SETTLED IN PERSONAM VIA SIGNED WRITING BY BOTH PARTIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account XXXX XXXX XXXX has already been deleted by XXXX  and XXXX. Under the Fair Credit Reporting Act ( FCRA ), all reporting must be accurate and consistent across all credit bureaus. Your continued reporting of this account is a direct violation of that requirement please Delete this account from your records immediately. 

Below is attached proof it was deleted from other credit bureaus and proof of 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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX there were XXXX transaction XXXX on my debit card, each day for the amount of XXXX $ each, for XXXX and XXXX store in XXXX XXXX, XXXX and XXXX XXXX.My account is with Wells Fargo bank On all those days I was at work where I live which is XXXX Texas I told the bank that those were fraud and I did not make any of those transactions.I don't use my debit card for purchases and I live in XXXX Texas XXXX said yeah we see that the transactions were made from a XXXX XXXX. 
I told them that my family and I all have IPhones and no one has a XXXX XXXX never save my debit card on my phone. 
I tried to ask them if they needed evidence from work that I was working all those days and they said no there's nothing we can do. 
Wells Fargo bank is going to take that XXXX $ out of my account XXXX never made those transactions and that was fraud, but Wells Fargo XXXX not even giving me an option to send them evidence that I was working at the time of the transaction. 
I need help to prove that I never made those transactions and I work really hard for my money and I don't want to pay for a thief who's sitting in California and uses my information and treats himself. 
I work hard to make XXXX $ and I'm so upset right now .this is just not fair

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 2025-05-29 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am writing to express my concern regarding the violation of my privacy rights as a consumer. I have recently become aware that your company has been sharing my personal information with third-party vendors without my knowledge or consent. This sharing of my personal information has occurred despite the fact that your company did not provide me with a forward flow agreement or an assignment contract, as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, a company is required to obtain written permission from a consumer before sharing their personal information with third-party vendors. This is to ensure that consumers are aware of how their personal information is being used and to protect their privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Demand for Compliance with the Fair Credit Reporting Act (FCRA), TILA, and FDCRA  Immediate Deletion of Inaccurate Account\nTo Whom It May Concern:\nThis letter serves as a formal follow-up and demand for immediate action in accordance with federal law. You are currently in violation of multiple provisions of the Fair Credit Reporting Act (FCRA), the Truth in Lending Act (TILA), and the Fair Debt Collection Practices Act (FDCPA) by continuing to report inaccurate and unverified information on my credit file.\n\nAccount Name: 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 in which I exercised my right to request reinvestigation and verification of the above-referenced account. Your failure to respond adequately to that request and to comply with the obligations established under federal law constitutes a serious breach of consumer protections.'

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 2025-05-29 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: RI

Complaint narrative:
I am submitting this formal complaint to report multiple serious violations of the Fair Credit Reporting Act ( FCRA ), including unauthorized and inaccurate information being reported on my credit file without my knowledge or consent, in direct violation of my consumer rights under federal law.

After reviewing my credit reports from Equifax, Experian, and TransUnion, I have discovered the following troubling issues : Accounts and inquiries reported without my consent or knowledge, in violation of FCRA 1681b, which limits access and reporting of consumer credit information to only those with a legitimate permissible purpose.

Inclusion of fraudulent or identity theft-related information, which I did not authorize, initiate, or benefit from. Under 15 U.S.C. 1681c-2, I formally assert my right to block all information on my credit report that resulted from identity theft, including any accounts, tradelines, or inquiries that were obtained or opened without my knowledge or permission. This includes : False or fraudulent accounts ; Unauthorized hard inquiries ; Any debts resulting from identity theft.

Despite my prior disputes and requests, this information has not been properly blocked, as required by federal law.

Failure by the credit reporting agencies to block identity theft-related data within four business days after receiving the appropriate documentation, as required under FCRA 1681c-2 ( c ). I submitted identity theft reports and supporting documentation, yet the disputed items remain on my credit file.

Failure to conduct a proper reinvestigation under FCRA 1681i. I received generic, non-substantive responses that did not reflect a meaningful investigation into my disputes.

Reinsertion of previously deleted information without the legally required notice and certification, in violation of FCRA 1681i ( a ) ( 5 ) ( B ).

These actions have had a damaging impact on my creditworthiness, caused emotional and financial stress, and represent clear violations of my rights under the FCRA.

I request that the CFPB take the following actions : Investigate the credit reporting agencies and furnishers for these violations ; Ensure the immediate and permanent deletion of all unauthorized, fraudulent, or inaccurate data from my credit reports, in compliance with 1681c-2 ; Hold the responsible parties accountable through enforcement action ; Provide written confirmation of the outcome and any corrective measures taken.

Attached you will find my dispute letters, proof of identity, identity theft report, and supporting evidence of the unauthorized activity.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXXXXXX XXXX XXXX XXXX Balance {$5800.00} XXXX XXXX  XXXX Balance {$9500.00} XXXX XXXXXXXX XXXX Balance {$840.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance {$9100.00} XXXX XXXXXXXX XXXX XXXX XXXX {$2300.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance {$13000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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