vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: MA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-24 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: NY

Complaint narrative:
I want to emphasize that this complaint is not being made in error. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy, as required by law. These errors are having a significant and ongoing negative impact on my life. I urge you to take immediate steps to investigate and correct or remove these inaccuracies. In these challenging times, resolving this matter would not only bring reliefit would be a necessary and meaningful step toward restoring fairness to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Chime Financial Inc
State: OH

Complaint narrative:
Account was charged due to fraud and wasnt credit back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name as a result of the Experian data breach. As a victim of this breach, I have discovered multiple unauthorized accounts linked to my Social Security number that I did not open or authorize. The details of the fraudulent account are as follows : Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Date Opened : XXXX Balance : {$420.00} Under 15 U.S.C. 1681c-2 ( a ), I request that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If this issue is not resolved within the specified time frame, I will pursue legal action and seek damages of {$1000.00} per violation under 15 U.S.C. 1692k. This legal action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is urgent, and I appreciate your immediate attention to this dispute. Please confirm the prompt removal of this fraudulent 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 2025-04-24 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I am formally disputing the student loan reported under my name due to material changes in the federal student loan administration following the executive order issued by President Trump to abolish the U.S department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 
XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. { 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect or report this debts.

Legal Basis for immediate deletion 1. Lack of credible Verification- with the dissolution of the Department of Education , there is no legally valid entity that can verify the accuracy, ownershi
p, or collection rights of these loans.

2. Material change In Federal Oversight- the entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential violations of the FCRA- Reporting unverifiable debts is a direct violation of 15 U.S.C { 1681e ( b ) and 15 U.S.C. { 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ). The Federal Trade ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 
Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I am formally disputing the student loan reported under my name due to material changes in the federal student loan administration following the executive order issued by President Trump to abolish the U.S department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 
XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. { 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect or report this debts.

Legal Basis for immediate deletion 1. Lack of credible Verification- with the dissolution of the Department of Education , there is no legally valid entity that can verify the accuracy, ownershi
p, or collection rights of these loans.

2. Material change In Federal Oversight- the entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential violations of the FCRA- Reporting unverifiable debts is a direct violation of 15 U.S.C { 1681e ( b ) and 15 U.S.C. { 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ). The Federal Trade ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 
Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: ND

Complaint narrative:
On XX/XX/XXXX, I noticed an adjustment to my account which I did not authorize. Specifically, {$3600.00} Ach Adjustment made and taken from my account ending XXXX on XX/XX/XXXX. I absolutely did not initiate this transaction, nor did I give permission for this adjustment to occur. 
Upon discovering this issue, I called the US Bank 24-hour banking number on the same day on XX/XX/XXXX to report the unauthorized adjustment. The bank representative requested me to go in person to their branch at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX as they have the details of this unauthorized adjustment. I went the branch right away and I spoke with the branch manager XXXX XXXX and her banker XXXX who processed the claim, they started telling me different stories about the unauthorized adjustment than what I was told over the phone and seemed they knew and met the person ( s ) who initiated the claim ( my son and/or his mother ) as they provided detailed information about them and attempted to cover up this fraud and facilitated this unauthorized adjustment to them. After they made a long argument with me and provided me with nonsense justifications for their fault, I was told that they will submi three internal forms and request the fraud department to investigate the case and provide me with a resolution. The branch manager placed hold on the account being compromised while I was present at the branch. However, after I left the branch the branch manager intentionally put an unneeded hold on my other checking account and that gave me a hard time to open a new account to receive the deposits of my salary. As the branch manager attempted to cover up this fraud of unauthorized adjustment, she did not process the dispute, so I had to call US Bank 24-hour banking number one more time to process the dispute. 
Despite my efforts to resolve this matter directly with the bank, I have not received satisfactory assistance or resolution as the branch manager and her banker succeeded to cover up this fraud. On XX/XX/XXXX I received a phone call from the bank to inform me that a resolution is reached, which I have to resolve their faultby myself and contact the originating company to re-deposited the amount and that is absolutely impossible resolution as the amount is no longer available with the originating company.

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 2025-04-24 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: CA

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

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 2025-04-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit report is not reflecting up to date or current information. I submitted a dispute that I am not able to review the results on.

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 2025-04-24 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern at Equifax, I am submitting this formal complaint regarding inaccurate and unverifiable information currently being reported on my Equifax credit file. These items violate the Fair Credit Reporting Act ( FCRA ) and are negatively impacting my creditworthiness. 

Pursuant to my rights under 15 U.S.C. 1681i and 1681e ( b ), I request that Equifax conduct a thorough reinvestigation of the disputed items below and either correct inaccuracies or remove unverifiable entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reports 4 missed payments, but my records show no late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately and lacks proper validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports 1 missed payment, which is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No evidence supports this late payment claim. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccuracy : Reports 4 missed payments, which is false. 
Creditor Address : [ Creditors address, if known ] Issue : This account has been reported inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccuracy : Reports a {$710.00} collection with no validation of the debt. 
XXXX XXXX : Unspecified ( violates 15 U.S.C. 1692g ) Issue : This collection lacks proper documentation and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Inaccuracy : This inquiry was unauthorized or without permissible purpose under 15 U.S.C. 1681b. 
Issue : Must be removed if not legally justified. 
Legal Basis for Dispute Under the FCRA, Equifax is required to : 1681e ( b ) : Maintain " reasonable procedures '' to ensure maximum accuracy of reported information.

1681i ( a ) ( 1 ) ( A ) : Conduct a reinvestigation within 30 days of receiving a dispute.

1681i ( 5 ) : If information is inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected, and furnishers must be notified.

Requested Resolution Immediately delete all unverifiable or inaccurate items listed above.

Provide written confirmation of corrections and an updated credit report.

Notify the original furnishers of any deletions, as required by law.

I expect this matter to be resolved within 30 days, as required by the FCRA. Failure to correct these inaccuracies may result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing claims under FCRA 1681n ( willful noncompliance ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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 2025-04-24 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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