vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : Dispute of Student Loan Reporting Request for Immediate Removal To Whom It XXXX Concern, I am writing to formally dispute the reporting of student loan accounts listed on my credit report. Upon reviewing my credit file, I noticed entries related to student loans that I do not recall authorizing to be reported to your agency. I am requesting the immediate removal of these accounts based on the following legal grounds : 1. Lack of Written Consent FERPA Violation Under the Family Educational Rights and Privacy Act ( FERPA ), my education records, including student loan information, are protected. Disclosure of such records to third parties ( including credit bureaus ) without my explicit written consent is a direct violation of FERPA. I have never provided authorization to any educational institution, loan servicer, or third-party entity to share or report my student loan information to your bureau.

2. Violation of 15 U.S. Code 1650 According to 15 USC 1650, there are specific limitations regarding the reporting and use of student loan data. Reporting entities must comply with federal restrictions and consumer protections surrounding student loan disclosures. I am asserting my rights under this law as the reporting of this information was done without my informed consent and without proper legal basis.

Because of the reasons above, I am demanding the following action : Immediate investigation and removal of the student loan accounts reported without authorization.

A written response within 30 days, as required under the Fair Credit Reporting Act ( FCRA ), outlining the outcome of your investigation.

Please consider this letter as a formal dispute of the accuracy and legality of the student loan accounts on my credit file. I also request that you provide me with the name and contact information of the furnisher of this data and the documentation they used to verify their right to report this information. 

I expect your timely response and resolution to this matter in accordance with federal law. Thank you for your attention. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX : 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 2025-06-22 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: TX

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : Dispute of Student Loan Reporting Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the reporting of student loan accounts listed on my credit report. Upon reviewing my credit file, I noticed entries related to student loans that I do not recall authorizing to be reported to your agency. I am requesting the immediate removal of these accounts based on the following legal grounds : 1. Lack of Written Consent FERPA Violation Under the Family Educational Rights and Privacy Act ( FERPA ), my education records, including student loan information, are protected. Disclosure of such records to third parties ( including credit bureaus ) without my explicit written consent is a direct violation of FERPA. I have never provided authorization to any educational institution, loan servicer, or third-party entity to share or report my student loan information to your bureau.

2. Violation of 15 U.S. Code 1650 According to 15 USC 1650, there are specific limitations regarding the reporting and use of student loan data. Reporting entities must comply with federal restrictions and consumer protections surrounding student loan disclosures. I am asserting my rights under this law as the reporting of this information was done without my informed consent and without proper legal basis.

Because of the reasons above, I am demanding the following action : Immediate investigation and removal of the student loan accounts reported without authorization.

A written response within 30 days, as required under the Fair Credit Reporting Act ( FCRA ), outlining the outcome of your investigation.

Please consider this letter as a formal dispute of the accuracy and legality of the student loan accounts on my credit file. I also request that you provide me with the name and contact information of the furnisher of this data and the documentation they used to verify their right to report this information. 

I expect your timely response and resolution to this matter in accordance with federal law. Thank you for your attention. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Made deposits and still got charged a monthly fee again.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> TransUnion Rental Screening Solutions , Inc . 

I am writing to request my consumer report and update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 
Please remove all phone numbers. They do not belong to me. 

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 explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: MI

Complaint narrative:
The Atlantic Recovery Debt Solutions team called me on XXXX XXXX requesting payment for a debt account from XXXXXXXX XXXX XXXX. I told the agent that I did not have any XXXX account as I have never used XXXX in my entire life. They said I owed an amount of {$420000.00}. I told them I have never been approved for a XXXX account. I called XXXX to verify and they told me no such amount or account could be found in their system. The agent responded that I could settle the account for half of amount of {$220000.00}. I refused as I said the debt was not mine. Following, the agent said they would call me back within a week for payment after I told them it wasnt mine.

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 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2025, at approximately XXXX XXXX, I accidentally sent {$700.00} through XXXX via my Chase Bank account to the wrong recipient. The payment was intended for someone else, but I mistakenly selected the incorrect contact. 

As soon as I realized the mistake, I called Chase customer support and reported the issue. I requested a recall or dispute to recover the funds. However, I was informed that XXXX transfers are instant and Chase can not reverse the payment without the recipients cooperation. I also attempted to contact the recipient, but have not received any response or refund so far. 

I am filing this complaint in hopes of getting support to recover the {$700.00} that was mistakenly transferred. I am willing to provide any required documentation or file a police report if necessary. I acted in good faith and reported the issue immediately, and Im seeking further assistance to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX XXXX : {$5600.00} US DEPT ED XXXX XXXX : {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/year>XXXX  I sold my property and all XXXX  taxes were paid in full. The following Monday, I received a call via the closing attorney 's office as well as the XXXX  tax dept of Chase Bank. 
I was told by Chase Bank that they had mailed a check for the RE tax arrearage so therefor I still owed them {$9200.00}. 
The following day there was a recorded discussion with XXXX NH tax collector, me and the tax department of Chase Bank. They stated in this call that the taxes had been wired directed and paid with the proceeds of my sale on XX/XX/XXXX. The stated that they had not received a check from Chase Bank and would forward it back immediately if it should arrive. On XX/XX/year>, I received a " SHORT PAYOFF NOTIFICATION '' acknowledging payoff funds of {>= $1,000,000} and refused to apply to my account. They demanded I pay {$9200.00} in spite of the fact it had been proven it is not owed. 
They asked me to overnight this amount which I did not do. Instead, I overnighted an email from XXXX XXXX XXXX XXXX  confirming the conversation with Chase and myself and stating that if they did receive another check, it would be considered an overpayment on the account and therefore would be immediately returned tgo Chase Bank. 
I am a XXXX XXXX XXXX XXXX  and this situation and causing needless stress as well an additional financial burden from having to continue paying my attorney on what should have been a closed matter. 
Your help with this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
My name is XXXX XXXX, my Social Security Number is XXXX, my Date of Birth is XX/XX/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 fraudulent, inaccurate, and false information consists of An account opened with XXXX XXXX, filed on XX/XX/XXXX, An account opened with XXXX XXXX, filed on XX/XX/XXXX an account opened with XXXX XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX  filed on XX/XX/XXXX, an account opened with XXXX filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX, filed on XX/XX/XXXX, an account opened with XXXX XXXX NA, filed on XX/XX/XXXX, an account opened with XXXX XXXX XXXX filed on XX/XX/XXXX, ( XXXX ) loan accounts opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a collection account opened with XXXX  on XX/XX/XXXX, account number XXXX XXXX XXXX XXXX XXXX, a credit card account XXXX with XXXX XXXX  on XX/XX/XXXX account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a credit card account opened with XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an account opened with XXXX XXXX XXXX A on XX/XX/XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, and a loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
Interest rates are fraud. Monthly interest is charged every XXXX XXXX. I have consistently made payments of XXXX monthly on a pay day loan and barely XXXX XXXX  is applied to loan. When an increased payment is made the interest rate increases and applies less to principal making interest rates fraudulent. I have never been informed on changes of interest rates and representatives of company can not explain changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
Additionally, I am aware that TransUnion has been involved in a major data breach affecting millions of consumers. I have reason to believe my personal information was compromised as a result of that breach. This raises significant concerns about the integrity of the information being reported on my credit file, especially the derogatory accounts listed below. I am requesting the immediate deletion of these accounts under 15 U.S. Code 1681i and 1681s-2 ( b ), as they are unverifiable and potentially the result of identity compromise

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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