vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
The CFPB finalized a rule on XX/XX/year>, to ban medical bills from credit reports. This rule, which amends Regulation V ( implementing the Fair Credit Reporting Act ), prohibits CRAs like Equifax, TransUnion, and Experian from including medical debt in credit reports and bars lenders from using this information when making credit decisions. 
The XXXX XXXXXXXX XXXX XXXX has been ILLEGALLY MISREPORTING Acct # XXXX in the amount of {$10000.00} for many years. This vehicle was purchased so that no longer had to rely on the bus to make it to my critical medical appointments. The truck was purchased for the sole purpose of transportation for medical purposes. Since the rule above clearly prohibits credit reporting agencies from including MEDICAL DEBT on credit reports, I continue to demand that this account is taken off of my reports and all association removed from my name and social security number!

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 2025-05-01 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: MA

Complaint narrative:
I am filing this complaint against Experian for publishing inaccurate, incomplete, and misleading information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) and federal accuracy requirements under 1681e ( b ) and 1681XXXX. 

My credit file contains multiple derogatory tradelines from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are : Reporting over-the-limit usage inaccurately ( 119 % and 145 % utilization ), Showing false XXXX or XXXX late payments, Or marking derogatory history on accounts that were paid in full and closed. 

These errors have been reported to all three major credit bureaus and continue to appear despite disputes and formal demand letters submitted to the furnishers. 

I have experienced denials for housing, business funding, and financial tools directly as a result of this inaccurate reporting. 

Attached to this complaint is a copy of my credit report and formal demand letters documenting these issues.

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 2025-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received an ambulance bill that should have been fully covered by both of my insurance providers. XXXX claims there is still an outstanding balance of {$2700.00}. However, I contacted XXXX XXXX, who conducted their own investigation and confirmedthrough direct communication with a XXXX representativethat the balance was paid in full. 

Despite repeatedly submitting this documentation, I continue to be contacted by creditors. Credence also performed an investigation, yet XXXX response only references a payment from XXXX of {$880.00}, completely ignoring the letter from XXXX XXXX. 

If Credence intends to assume responsibility for this debt, it must be handled accurately. Their response claiming the account is valid is incorrect, and the documentation I submitted was not properly considered. The response only referenced XXXX, despite the fact that my evidence clearly pertains to XXXX XXXX, which is the basis of my dispute. 

It appears there is a serious error in their system that must be addressed. Please ensure this is corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AR

Complaint narrative:
Subject : Failure to Comply with Metro 2 and FERPA Legal Action Will Follow if Unresolved Dear CFPB, I am submitting this formal complaint against TransUnion for failure to remove multiple inaccurate and non-compliant accounts from my credit report. Despite previously mailed disputes, no corrections or deletions have been made. 

The following accounts are being reported in violation of Metro 2 compliance standards and FERPA ( Family Educational Rights and Privacy Act ) : DPEDXXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year> These accounts, especially the student loans, were not authorized to be shared under FERPA. There is no documented consent from me to disclose this educational debt information to any credit reporting agency.

Additionally, these accounts are Metro 2 non-compliant, containing conflicting data fields, incomplete coding, and inaccurate status indicators.

I am urging TransUnion to comply with its obligations under : 15 U.S.C. 1681i ( a ) Reasonable investigation of disputed information 15 U.S.C. 1681i ( a ) ( 7 ) Right to receive method of verification Metro 2 format compliance per CDIA guidelines FERPA ( 20 U.S.C. 1232g ) Unauthorized reporting of educational data If these accounts are not removed or corrected within 4 business days, I will pursue litigation in the state of Arkansas, beginning with a complaint to the registered agent for service of process : TransUnion Registered Agent in Arkansas : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  AR XXXX I am not looking for conflict Im simply requesting that TransUnion do the right thing and remove these inaccurate, improperly reported accounts before legal action becomes necessary. 

Sincerely, 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 2025-05-01 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: TX

Complaint narrative:
Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$860.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX. XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance {$300.00} As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resconsumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

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 2025-05-01 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: TX

Complaint narrative:
Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$860.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX. XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance {$300.00} As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resconsumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-05-01 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: NY

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # XXXX XXXX XXXX  Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: WA

Complaint narrative:
I am writing to formally file a complaint against Chime Financial regarding their mishandling of my dispute case numbers # XXXX and # XXXX. 

I was the victim of a fraudulent transaction made under duress, and I immediately contacted Chime to initiate a dispute under Regulation E of the Electronic Fund Transfer Act ( EFTA ), which mandates that consumers be provisionally credited within 10 business days of reporting unauthorized charges.

Chime not only failed to issue provisional credit as required by law, but they also closed and denied my dispute without allowing me a fair opportunity to present supportingevidence. I explicitly informed Chime that I had filed a police report and was awaiting a copy to submit as part of my dispute evidence. Despite this, they closed the case prematurely and refused to re-open it upon my follow-up. 

I have since received the police report, which supports my claim of fraud and duress, and I am requesting that Chime be held accountable for violating my rights under Regulation E by : Failing to provide timely provisional credit Not conducting a fair and complete investigationI am requesting the Consumer Financial Protection Bureau to investigate this matter, compel Chime to reopen my dispute with full consideration of the police report, and take enforcement action to ensure future compliance with Regulation E. 

Attached : Police Report copy, dispute reference numbers, communication with Chime representatives Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-01 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: NY

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$350.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$18000.00} Fraudulent Information on XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$250.00} Other Identity Theft Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00}

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 2025-05-01 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: CA

Complaint narrative:
As a victim of identity theft, I am aware of the legal implications associated with such matters. Therefore, in accordance with the relevant laws and regulations, I urgently request that you take the necessary steps to remove the unauthorized accounts from my record. It is crucial that we act promptly to prevent any further damage to my financial standing and personal reputation. 
XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP
State: OR

Complaint narrative:
XXXX  repossessed my XXXX XXXXXXXX XXXX ( VIN : XXXX ) in early XX/XX/XXXX while I was in the hospital. I fell and hit my head on XX/XX/XXXX, requiring XXXX XXXX that night and XXXXXXXX XXXX on XX/XX/XXXX. I was released on XX/XX/XXXX. XXXX actions violated federal law : XXXX. After I moved from California to Oregon in early XXXX, I filed a change-of-address request with the USPS. On XX/XX/XXXX, XXXX sent a letter to my Oregon address stating, Oh, we see you moved, confirming they updated my address. Despite this, XXXX stopped sending billing statements, causing me to miss payments from XX/XX/XXXX onward, leading to the repossession, violating the Truth in Lending Act. 
XXXX. In XX/XX/XXXX, XXXX refused to accept a check and forced me to pay {$2600.00} via XXXX at XXXX, costing {$60.00}. 
XXXX. XXXX failed to send a proper notice of default before repossession. 
XXXX. On XX/XX/XXXX, XXXXXXXX sent a Notice of Our Plan to Sell Property, claiming they would notify my wife, XXXX XXXX XXXX, as co-borrower, but did not, making a false statement. 
XXXX. The XX/XX/XXXX, notice did not specify the time or place of the private sale. 
XXXX. XXXX obstructed my right to a XXXX extension to cure the default by requiring a written request, delaying with fax issues, and granting only 2 days of the extension. 
XXXX. On XX/XX/XXXX, XXXX charged {$400.00} in unitemized other repossession bills, violating the Truth in Lending Act, plus {$170.00} in storage fees. 
XXXX. XXXX engaged in evasive communication, with a representative ( XXXX ) hanging up when I was available to speak. 
XXXX. XXXX failed to provide a clear accounting of fees, violating the Fair Debt Collection Practices Act. 

Their actions caused me {$490.00} in additional costs ( XXXX, locksmith, towing ) and forced me to pay {$400.00} in improper fees. I seek an investigation into XXXX  practices to protect other consumers. I have evidence, including XXXX letters, payment history, and receipts, available upon request. 

* * Date of Incident : * * XX/XX/XXXX ( stopped sending bills ), XX/XX/XXXX ( repossession ), XX/XX/XXXX ( improper fees ).

Company response to consumer: Closed with explanation