vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: WV

Complaint narrative:
I hope you're doing well. I'm writing because theres an issue on my credit report that needs to be corrected as soon as possible. Theres some information on there that isnt mine, and its affecting my credit in ways it shouldnt be.

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 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Student Loans from DEPTEDXXXX {$1900.00} and DEPTEDXXXX {$1800.00} has been discharged and ive attached documents explaining also Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> are accounts i never applied for and was opened fraudulently

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 2025-03-09 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: GA

Complaint narrative:
Student Loans from DEPTEDXXXX {$1900.00} and DEPTEDXXXX {$1800.00} has been discharged and ive attached documents explaining also Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> are accounts i never applied for and was opened fraudulently

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 2025-03-09 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: NJ

Complaint narrative:
To whom it may concern, I, XXXX XXXX of the XXXX of the XXXXXXXX XXXX am writing you today as an aggrieved man. I have a checking account with CHIME and my virtual debit card ending in XXXX was comprised. There are some unauthorized transactions that I have no knowledge of, nor do I know who committed this fraud. Acting in good faith, I contacted CHIME regarding fraudulent activity on my checking account. 

I filed multiple disputes with CHIME that were denied. Acting in bad faith CHIME denied dispute # XXXX and XXXX. CHIME asks during the dispute process if someone you know may have access to your account and debit card info, I advised CHIME my ex-girlfriend may have access because we resided together, but I dont know for sure. CHIME is claiming they denied my disputes for that reason. I at no time stated my ex-girlfriend was the one who made these fraudulent transactions. I do not know who made these fraudulent and unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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.
State: TX

Complaint narrative:
I AM A PART OF A DATA TO WHER MY INFORMATION WAS LEAK AND IMPROPERLY USED WHICH LED TO UNAUTHORIZED ACCOUNTS AND INQUIRIES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
There's credit information on my report on a place I never lived. I need to have that straighten out, connected to cards that I don't have that have higher balances than I ever could get on a credit card ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am formally disputing the inaccurate personal information and the reported late payment on my credit report, as these errors are having a direct and detrimental impact on my financial well-being and creditworthiness. Credit reports play a crucial role in determining a consumer 's ability to obtain loans, secure housing, and access financial opportunities, and any inaccuracies can cause significant, unnecessary hardship. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure that all information included in a consumers credit file is accurate, complete, and verifiable. When incorrect personal details or erroneous late payments appear on a credit report, it creates a misrepresentation of a consumers financial history, potentially leading to higher interest rates, loan denials, and other adverse financial consequences. 

Because of these errors, my credit profile does not accurately reflect my actual payment history or financial responsibility. This is unacceptable, and I am exercising my rights under the FCRA to request an immediate investigation into these inaccuracies. The errors outlined below must be promptly corrected or permanently removed, as failure to do so would constitute a violation of federal consumer protection laws.

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 2025-03-09 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: UT

Complaint narrative:
name : XXXX XXXXXXXX Dob : XXXXXX/XX/XXXX SSN last 4 : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. this is fraudulent, inaccurate, and false information consists of a auto loan opened at XXXX XXXX. on XX/XX/XXXX account # XXXX amount of {$16000.00}, also a account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account # XXXX amount {$830.00} also a XXXX XXXX account opened on XX/XX/XXXX account # XXXX amount of {$200.00} also a XXXX XXXX. account opened on XX/XX/XXXX account # XXXX amount of {$1300.00} also a account opened at XXXX XXXX ( commenity bank ) on XX/XX/XXXX account # XXXX amount is {$710.00}. these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquries, as reported. the aforementioned accounts, collections, and hard inquries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquries are the result of identity theft and fraud. i have attached a copy of FTC identity theft criminal complaint for proof that from the US FEDERAL TRADE COMMISSION that the aforementioned accounts were not made by me and are the result of fraud.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For the past few years, I have continued to asked Equifax to give me an updated credit report. Yet they have continued to failed to have a current report on my profile. The last time any information was updated on their website was the year XXXX. Lenders have continued denying me credit due to the fact that no one has been able to get a true report and they complained about my credit report with Equifax is blank.I have contacted Equifax several times over the years yet the issues has not been resolved. They usually promise to handle the issues yet no resolution. Below I have attached a copy of my driver license and social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized disclosure of my student loan information to XXXX XXXX and/or his affiliated companies. I understand that these parties without my consent have accessed my student loan data, which includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ). I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am extremely concerned about the potential misuse of my private data. 

This unauthorized access appears to be direct violation of my rights under FERPA. The information contained with the student loan database, including my social security number, financial records, and other sensitive personal details, requires the highest level of confidentiality. The lack of any legitimate educational purpose for XXXX XXXX access to this data further compounds the severity of this breach.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Sir or Madam, I am writing to formally notify the Federal Trade Commission ( FTC ) of a significant data breach that occurred at Equifax, one of the major consumer credit reporting agencies. This breach has compromised the personal information of approximately 147 million individuals, making it one of the largest data breaches in history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
This company is reporting fraudulent information on my credit report, I have requested validation and never received.

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 2025-03-09 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am a victim of identity theft. The information listed appears of my credit report, does not relate to any to transaction ( s ) that I have made. It is the result of identity theft. In XX/XX/year>XXXX  I notice an account open on my credit report from Affirm inc in the about of {$2500.00} with a balance due of {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : DEPT OF EDXXXXE ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXX OF XXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX  ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received negative reporting from XXXX XXXX ( XXXX XXXX XXXX - XXXX, PA XXXX ) in XXXX XXXX.I contacted them on XX/XX/year>, and received email confirmation that the delinquency status was an error and should be removed. My credit reports for XXXX and Equifax were reflected correctly, however XXXX is still showing this account with a 30-day delinquency flag for XX/XX/year>. I need all three credit bureaus to reflect that these payments were made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: SC

Complaint narrative:
I submitted complaints to Experian within these last two months in regard to inaccurate information reported by furnishers on my credit report. Experian reported back that the disputes had been verified by the furnishers. After contacting the furnisher of information, I became suspicious that Experian was conducting inadequate ( Sham ) and misleading investigations into disputes regarding my credit profile. Additionally, the late payments and debts ( included in bankruptcy ) was placed back onto my credit reports. I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but Experian has failed to fulfill this obligation. Experian has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. 
The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Experians dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold Experian accountable for any violations uncovered during the investigation.

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 2025-03-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I do not recognize this address please remove thank you

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 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
The debt is XXXX per NYS statute that limits collections for consumer credit card debt to three years. The last payment on the debt was XX/XX/year>. There has been no bankruptcy filing, but there was no better option to choose from those provided. 

PRA ( Portfolio Recovery Associates ) 's website says the debt is time-locked and can not be collected. They are calling nonstop and sending letters suggesting payment is required. 

I feel threatened and that the debt is being targeted for unfair collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2000.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2025-03-09 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: NH

Complaint narrative:
Good evening This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : TransUnion : 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 non-monetary relief
Consumer complaint received 2025-03-09 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: 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 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