vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
XXXX XXXX XXXX IS REPORTING A CHARGE OFF ON MY CREDIT FILE AS OF XXXX XXXX AND STARTED SHOWINING ON MY CREDIT REPORT XX/XX/XXXX. 2025 SHOWING A BALANCE OF {$16000.00} CHARGEOFFS ON BOTH MY TRANSUNION AND XXXX I NEED THESE ANSWERS AS I WAS NOT SHOWN PAPERWORK ON ANYTHING How Did They Get That balance? 

Show a break down of the how they got the balance owed? 

Why didnt I receive a letter of when, where and what amount they got for the vehicle at auction? 

Why didnt I receive a letter about the charge off? 

Explain how they got the current interest fees? 

Wrong Balances? 
Dates? 
Ownership ( What are you doing with that account )/ How did you get to that balance that you put on my credit report? 

You sold it so I need these balances and dates justified?

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 2025-03-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA DEALER- XX/XX/XXXX XXXX XXXX ACCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  BANK XXXX  XX/XX/XXXX I also attached my identity theft report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Chase Bank due to the unjust closure of my bank account. My account was closed on the grounds of suspicious activity, which I neither committed nor had any knowledge of. 


As soon as I noticed unusual activity on my account, I immediately alerted Chase to report it. Instead of assisting me in resolving the issue, Chase proceeded to close my account without providing a clear explanation or allowing me to dispute the matter. 


Since then, I have attempted to reopen my account or open a new one because I do not want to lose my relationship with the bank. However, every time I have reached out to Chase regarding this issue, I have been met with disrespectful treatment, with bank representatives insinuating that I will never be allowed to have an account with them again. Their unwillingness to provide clear guidance or reconsider their decision has made this situation even more frustrating and unfair. 


This unjustified action has caused me financial inconvenience, and I believe Chase failed to follow proper procedures in handling the situation. I request that Chase provide a thorough explanation for their decision, remove any negative reports related to this incident from XXXX and credit bureaus, and reconsider allowing me to reopen an account with them. 


I appreciate your assistance in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Navient Solutions, LLC.
State: OK

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. XXXX XXXXXXXX XXXX DOGE breach of the Department of Education is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I am writing to file a formal complaint against Radius Global Solutions LLC regarding their attempt to collect a debt that I believe is incorrect. The amount they claim I owe is {$28000.00}, and I have requested a debt validation, which I have not received. Despite this, I continue to receive collection efforts without receiving adequate proof of the validity of this debt. I believe this attempt to collect the debt is improper for the following reasons : Federal Student Loans Have Been Removed : All my federal student loans have been removed or forgiven through [ XXXX XXXX Case # XXXX ]. As such, I should not have any outstanding federal student loan debt, and I believe that Radius Global Solutions LLC is attempting to collect on a debt that no longer exists. 
Discrepancy in the Debt Amount : The amount being claimed by Radius Global Solutions LLC, {$28000.00}, does not match any records I have regarding my student loan history or repayment plan. The amount they are attempting to collect does not align with the correct balance or reflect any forgiveness or adjustments made to my loans. 
BXXXX XXXX Case # XXXX Under Final Review : Additionally, my loans are associated with XXXX XXXX Case # XXXX, which is currently under final review. This case XXXX affect the legitimacy of the debt and its amount, as it relates to claims for relief due to the practices of my educational institution I have requested debt validation under XXXX XXXX XXXX, but I have not received documentation or proof of the debt, nor a clear breakdown of how the balance of {$28000.00} was calculated. I believe this is a violation of my rights under the Fair Debt Collection Practices Act ( XXXX  ), as they have failed to substantiate the debt and continue to attempt to collect it without validation.

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 2025-03-16 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: GA

Complaint narrative:
Submitted dispute to TransUnion for multiple accounts not belonging to me to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: WA

Complaint narrative:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent account ( s ) ; in this case, this is in response to their correspondence regarding XXXX XXXX number XXXX, on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable re-investigation and transparency. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores TransUnion 's failure to uphold consumer protections under the FCRA.

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 2025-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX  ) XXXX U.S.C XXXX, which mandates a XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX XXXX XXXX XXXX XXXX, PA 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 2025-03-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Transunion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at XXXX XXXX XXXX on XX/XX/year> under account number XXXX, a student loan opened at XXXX XXXX XXXX XXXX XX/XX/year> under account number XXXX, and a student loan opened at US Dept of EducationXXXX XXXX XX/XX/year> XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 2025-03-17 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: NV

Complaint narrative:
Equifax 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 Equifax, 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 Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my card standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer. According to FCRA section 605B it is illegal and violating my privacy to report anything on my credit report without my permission including XXXX  collections. This is also against HIPAA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I noticed unauthorized Inquires on my credit report. According to the FCRA, these unverified and unauthorized items must be removed.

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 2025-03-16 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 neglected its legal duty 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 ) recently filed a lawsuit against Experian, citing systemic failures such as not forwarding consumer-provided evidence to furnishers, relying on unreliable responses, and inadequately notifying consumers of dispute outcomes. My experience reflects these issues, as Experian has failed to correct or remove disputed items despite the evidence I submitted, causing ongoing damage to my credit standing. I demand immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and infringes on 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 2025-03-16 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: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( s ) in question include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. * CRAs must block the information within four business days of receiving the required documentation. 2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. * I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 3. A revised copy of my credit report reflecting these corrections. Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. Thank you for your prompt attention to this urgent 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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX. XXXX I transferred {$500.00} from another bank account to open my SoFi Savings account. I then had checks signed over to me from my brother to deposit into the account. The bank then locked my account for several months saying that there was activity that was against their policy. I did not know until XX/XX/XXXX that depositing the valid checks were against a depositing policy. SoFi said that a check will be mailed to the address associated with your profile ( mailing address ). Please be advised that it may take up to 30 days to receive the check.. In XX/XX/XXXX, SoFi closed my account due to violation of the SoFi Bank Deposit Account Agreement. The email also said The remaining funds in your account will be returned to the originator, as we have determined that you are not the rightful owner. I am the rightful owner of the {$500.00} because that was deposited from a legitimate bank transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian needs to report payments accurate as i have paid off negative debts and made payment arrangements on collection accounts and credit card accounts.

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 2025-03-17 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
PLEASE CHECK THE INFORMATION CONCENING THE XXXX DATA BREACH BELOW IN ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
Pursuant to 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They closed my account 5 years ago and they don't tell me why and I need to have an account.

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 2025-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Nordstrom/td Has charge off tax status full credit. They wrote the debt off on their taxes and did not send me my1099C. I should have received a 1099C but offcouse I did not. I am requesting the copy of the 1099C for my taxes. On my credit report you are stating I have a balance which is impossible because you got full tax credit. I am going to charge you with statuty damages plus call the IRS as well. I am only going to give 15 days only for this remedy.

Company response to consumer: Closed with explanation