vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my 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 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/year> Account XXXX was paid in full with an additional payment of XXXX made to avoid late fees due to slow processing on their end. 

XX/XX/year> call was made to initiate process to refund overpayment of XXXX. I was told by representative it would take approximately 7 business days to refund that amount. 

XX/XX/year> Formal letter in writing sent to Fifth Third Bancorp are located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX via certified mail delivered XX/XX/year>. 

XX/XX/year> call was made, representative stated he would look into the matter further and no response was made. 

Presently there was been no attempt to communicate with me on any pending returns and this is a breach of trust as there was an amount collected that was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I was a victim of identity theft and a data breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/year>, my Chase XXXX XXXX Credit Card was charged {$140.00} by an online vendor. There was another charge the same day but the transaction failed. 
I called Chase card services and chase fraud protection immediately the same day and got my card replaced. 
However, after a month, they still charged me the money that I disputed. 

According to my research that vendor is a music/event ticket vendor and that purchase is a concert that's far away from the place of my residence. I've never made any purchase related to concerts, I'm a XXXX XXXX XXXX and working full time over the summer with no spare time to go out of state for anything. If that's not convincing enough for investigation, I don't know what will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX or more credit bureaus ( Experian, Equifax, and/or TransUnion ) for willfully and negligently reporting a derogatory account from XXXX ( XXXX XXXX  XXXX ) in violation of federal law. 

The account in question is : Creditor : XXXX Balance : {$12000.00} Status : Derogatory / Collection / Charge-Off Remarks : Government overpayment, assigned to collection This account has been reported without lawful verification, and despite multiple formal disputes, the credit bureaus have failed to comply with the following : FCRA 1681i ( a ) ( 5 ) ( B ) No written notice was given when the item was reinserted after dispute ; 1681i ( a ) ( 6 ) They failed to provide any reinvestigation results or reason for continuing to report it ; 1681i ( a ) ( 7 ) They did not disclose the method of verification or the source of information ; 1681s-2 ( b ) The data furnisher ( DFAS ) failed to conduct a proper investigation or provide supporting documentation. 
Furthermore, the bureaus have responded only with the term verified, which fails the standard set by XXXX v. Equifax, XXXX XXXX XXXX ( XXXX Cir. 2007 ), which clearly states that consumers are entitled to non-obscure, meaningful descriptions of how disputes are verified. 

What I Requested : I formally requested : Method of Verification ( MOV ) Name/contact of the verifying party ACDV ( Automated Consumer Dispute Verification ) records FCRA compliance policy Reinvestigation protocol and submission procedure What I Received : None of the above. No documentation. No explanation. Just " verified '' which is legally insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX or more credit bureaus ( Experian, Equifax, and/or TransUnion ) for willfully and negligently reporting a derogatory account from XXXX ( XXXX XXXX  XXXX ) in violation of federal law. 

The account in question is : Creditor : XXXX Balance : {$12000.00} Status : Derogatory / Collection / Charge-Off Remarks : Government overpayment, assigned to collection This account has been reported without lawful verification, and despite multiple formal disputes, the credit bureaus have failed to comply with the following : FCRA 1681i ( a ) ( 5 ) ( B ) No written notice was given when the item was reinserted after dispute ; 1681i ( a ) ( 6 ) They failed to provide any reinvestigation results or reason for continuing to report it ; 1681i ( a ) ( 7 ) They did not disclose the method of verification or the source of information ; 1681s-2 ( b ) The data furnisher ( DFAS ) failed to conduct a proper investigation or provide supporting documentation. 
Furthermore, the bureaus have responded only with the term verified, which fails the standard set by XXXX v. Equifax, XXXX XXXX XXXX ( XXXX Cir. 2007 ), which clearly states that consumers are entitled to non-obscure, meaningful descriptions of how disputes are verified. 

What I Requested : I formally requested : Method of Verification ( MOV ) Name/contact of the verifying party ACDV ( Automated Consumer Dispute Verification ) records FCRA compliance policy Reinvestigation protocol and submission procedure What I Received : None of the above. No documentation. No explanation. Just " verified '' which is legally insufficient.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
I have been trying to pay my student loans now for months. I have no issues making payments and normally pay XXXX+ dollars a month because I want to pay them off quickly. I get mixed messages that are incorrect every time I contact mohela and I am tired of it. I had an overpayment last year and my loan has sat at XXXX dollars for close to a YEAR now. I called and was told it would just sync to my other remaining loans. When I called again a few months back, I was told they would need to submit a request for the payment team to correct my loan. Why was this answer different? It gets worse. I paid a bit more than normal for me which was like XXXX XXXX month. No worries, submitted the payment. But when I check my mohela, I do not see it so I called. Was told they did not see the payment so I resubmit it. A few days later, I get confirmation on my account for BOTH payments. Meaning I have now overpaid on a second loan. This one is XXXX, not XXXX. I want this fixed now. I want my overpayments to apply to my other loans. Im tired of contacting them repeatedly and requesting calls back and not receiving them. I get no responses to my emails and messages. This is incredibly unprofessional and demoralizing. This has genuinely impacted my mental health. I want mohela disbanded. It is a pathetic excuse of a company. Please help me get this issue resolved, I am at my end in terms of patience.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
FDCPA Violation No Validation Notice Issue : The debt collector failed to provide a written validation notice within five days of initial contact as required under the FDCPA. 

Complaint Details : > I am filing this complaint because a debt collector contacted me regarding an alleged debt, but failed to provide a written validation notice within five ( 5 ) days of the initial communication, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). 

According to the FDCPA, a debt collector must send a written notice containing the amount of the debt, the name of the creditor, and my rights to dispute or request validation within five days of the initial communication. I never received such a notice. 

As a result of this violation, I was not informed of my rights to dispute or validate the debt, and I believe this debt should not be reported or collected until proper notice is provided. 

I am requesting that the CFPB investigate this violation, and I ask that the collection agency be required to cease all collection activities and remove any negative reporting from my credit file until they comply with federal law. 



Desired Resolution : The collection account should be removed from all credit reports. 

The debt collector must cease all collection efforts until a proper validation notice is issued. 

Enforcement action to ensure compliance with FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Sunrise credit services XXXX is the collections agency amount {$320.00} Have not received any calls any letters just noticed a collection on my credit tried to dispute it and to no avail

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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a bank account with Bank of America. I deposited a third party ( endorsed to me ) check that I had the authority from the payee to do so and they allowed it to clear and once it did they froze the funds and are closed my account due to depositing a third party check and will not return the funds to me. They are saying the bank the check was issued from has to make a formal request for them to return my check. Yet they have zero proof of fraud because there is no fraud. They allow third party checks to be deposited. They told me if they could verify with the payee they would and they said they couldnt verify but they never even attempted to contact him.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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