vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX company is reporting on my Trans Union credit report in accurate information XX/XX/year>. This account was settled as agreed and need to come off of my credit report. It is still showing an accurate information. 
Iam writing to challenge the reporting and compliance on an account with the general insurance company that is being reported on my credit report with inaccurate information on my credit card

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESISTCollection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your ofice. I am writing to verify that you havecontacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or theoriginal creditor.In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the XXXX. XXXX. XXXX. XXXX. XXXX. The name and address of the original creditor and the current creditor.Verification of the debt amount you are seeking to collect, including evidence thata contract exists creating the amount you claim is owed.Documentation of all assignments showing the transfer of the debt from theoriginal creditor to the current creditor.Proof that the original creditor securitized the debt.Documentation showing the assignments of the debt from the original creditor tothe secured trust and then back to the original creditor.Please cease and desist from collecting on this debt until you have provided validation of thedebt.Additionally, I request that you do not access my credit report or report anything to my creditbureaus. I dispute the validity of this debt amount, and this dispute should be reflected on mycredit report if you have already reported this debt.Permissible PurposePlease state your permissible purpose for accessing my credit information. I dispute your rightto do so.Notification to Other CollectorsI dispute that I owe this debt to you. Should you transfer this debt to another collector, pleaseinform them of my dispute regarding the validity of this debt.Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am submitting this complaint because Bridgecrest Credit Company is inaccurately reporting the status of a repossessed auto loan account on my credit reports, despite my attempts to correct it. 

In XX/XX/XXXX, I voluntarily surrendered my vehicle to Bridgecrest. I initiated the process and cooperated fully in returning the car. 

Despite this, Bridgecrest is reporting the repossession as involuntary, with the status code XXXX  ( Repossession ) and the notation " Involuntary Repossession. '' Additionally, they continue to report the account as open and actively repossessed month after month, rather than accurately reflecting that the account is closed, charged off, and sold to a third party. 

The reported balance is currently {$6900.00}, with a high credit of {$15000.00}. The date of last payment is listed as XX/XX/XXXX, even though the vehicle was surrendered and no payments have been made since the fall of XXXX. 

I filed XXXX formal disputes with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In both cases, the tradeline was verified as accurate, but the underlying error ( mislabeling as involuntary and ongoing ) was never addressed. 

I have not received any documentation from Bridgecrest to substantiate the involuntary status or the continued month-to-month reporting. 

Reporting this account as an involuntary repossession is factually incorrect. 

Reporting it as continuously active each month ( with status XXXX  ) instead of marking the account as closed and sold or transferred is misleading and causes ongoing, compounding damage to my credit. 

These actions constitute furnishing inaccurate, incomplete, and outdated information in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account with Chime was compromised after an accident in XXXX that left me XXXX XXXXXXXX. Chime failed to safeguard my account and allowed transactions to process without any verification of activity. I opened dispute XXXX regarding all atm withdrawals and instore purchases from XXXX up until the last transaction on my account amounting in {$4500.00}. I informed chime that I did not authorize these transaction and even uploaded a police report verifying that my wallet with credit and debit cards were stolen as well as my cell phone. Within 3 days the dispute was denied stating no error occurred. Evidently an error did occur so the dispute was reopened. In XXXX days again, the dispute was closed stating no error making me realize the denial was systematic and no actual investigating occurred. I request proof that no error occurred and all I was provided was a copy of the call transcript and a copy of the transactions on the account. Chime is fraudulently investigating disputes and violating laws in regard to this process. This dispute involves over XXXX transactions which is impossible to investigate in XXXX  days. I live in FLORIDA! ALL OF THESE TRANSACTIONS TOOK PLACE ACROSS MULTIPLE STATES OUTSIDE OF FLORIDA!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
UPGRADE XXXXNChas failed to conduct a proper investigation. They have violated XXXX XXXX XXXX A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of XXXX and XXXX for being negligent and willfully non compliant. These debts are also been securitized in a trust so UPGRADE INC does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am formally disputing information on my credit report that I believe is inaccurate and/or the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, I have the right to dispute the completeness or accuracy of information furnished to and reported by consumer reporting agencies. Additionally, under XXXX XXXX. XXXX, I have the right to block any information resulting from identity theft upon providing an Identity Theft Report. 
I have submitted the required documentation, including identification, proof of address, and a valid Identity Theft Report from the Federal Trade Commission ( FTC ). Despite this, the credit reporting agency has failed to r

emove or properly investigate the disputed i tem ( s ) within the legally required timeframe. I am requesting the CFPBs assistance in ensuring that the consumer reporting agency complies with its legal obligations to conduct a reasonable investigation and/or block fraudulent information in accordance with federal law.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am formally disputing information on my credit report that I believe is inaccurate and/or the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, I have the right to dispute the completeness or accuracy of information furnished to and reported by consumer reporting agencies. Additionally, under XXXX XXXX. XXXX, I have the right to block any information resulting from identity theft upon providing an Identity Theft Report. 
I have submitted the required documentation, including identification, proof of address, and a valid Identity Theft Report from the Federal Trade Commission ( FTC ). Despite this, the credit reporting agency has failed to r

emove or properly investigate the disputed i tem ( s ) within the legally required timeframe. I am requesting the CFPBs assistance in ensuring that the consumer reporting agency complies with its legal obligations to conduct a reasonable investigation and/or block fraudulent information in accordance with federal law.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am formally disputing information on my credit report that I believe is inaccurate and/or the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, I have the right to dispute the completeness or accuracy of information furnished to and reported by consumer reporting agencies. Additionally, under XXXX XXXX. XXXX, I have the right to block any information resulting from identity theft upon providing an Identity Theft Report. 
I have submitted the required documentation, including identification, proof of address, and a valid Identity Theft Report from the Federal Trade Commission ( FTC ). Despite this, the credit reporting agency has failed to r

emove or properly investigate the disputed i tem ( s ) within the legally required timeframe. I am requesting the CFPBs assistance in ensuring that the consumer reporting agency complies with its legal obligations to conduct a reasonable investigation and/or block fraudulent information in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Multiple errors for missing a payment i actually made on time misapplied interest and principal MANY TIMES!!! refusal to review and refusal to correct errors instead they continue to do the following : Send me the same reply " That my request is a duplicate '' also many calls and emails asking if I want a new monthly payment I hoped that when Mohela took over the loan company that my requests/ demands would finally be answered however they are sending me the same refusals/ ignoring my absolutely needed review by them and verification of : Actual loan totals total of all my payments received by all of the loan subcategories- XXXX XXXX, XXXX XXXX, XXXX, XXXX subsidized and unsubsidized Verification they have corrected the payments that I made for undergraduate college and what my Daughter has as loan for DVM graduate school I certainly not only need my loan accounts corrected but also I am seriously concerned they may make application errors on my daughter 's account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date XXXX XX/XX/XXXXXXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Associated Bank completely shut me out as co debtor then came after me for debtors loan XXXX when I continuously ask how can we make this right my credit score went from XXXX to XXXX and I cant get help anywhere and losing my home

Company response to consumer: Closed with explanation