vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted Trans Union Equifax and Experian and received no verifiable response and I am requesting a full investigation under the fair credit reporting act ( FRCA ) please remove this unfavorable item.

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 2025-05-19 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: FL

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted Trans Union Equifax and Experian and received no verifiable response and I am requesting a full investigation under the fair credit reporting act ( FRCA ) please remove this unfavorable item.

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 2025-05-19 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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
experian is still reporting addresses that do not belong or are related to me my current address is XXXX XXXX XXXXXXXX XXXX  nc XXXX that is the only address i have and that should be reporting for me they are reporting XXXX XXXX XXXX and also reporting a business address as i have no business

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 2025-05-19 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 writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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 writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-05-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-19 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: TX

Complaint narrative:
I reviewed my consumer reports and noticed that i had three late payments on an XXXX account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I reviewed my consumer reports and noticed that i had three late payments on an XXXX account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-05-19 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am sending this complaint to BARCLAYS BANKXXXX XXXX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records and my personal information has been compromised due to DOGE. This breach 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 debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Truck was purchased XXXX XXXX. I traded a vehicle as dwn payment. I was told it would be XXXX monthly pymts. On XX/XX/year> i was called to company to resign my contract. XXXX said there was a discrepancy in contract. He said I couldn't have XXXX  insurance for free. I went back and signed the paper. I transferred my insurance and got a tag and transfer. I then received my first statement XXXX XXXX. My payment was XXXX monthly. I called and told dealership that there was a problem with what they said I'd be paying to what the Santander statement said I was going to be paying. The GM told me tough I signed and nothing they were going to do about it. I informed them I would return the trk. I wasn't paying that amount. I told them that wasn't the deal. He said you signed. I called Santander to tell them what was happening. A woman named XXXX I have her id number, at Santander said don't worry that she would remove debt since never made a payment. I tried to return trk and they wouldn't let me in dealership. So I had to call police to escort me to hand back keys to XXXX and park car right in front of their doors. Police made they report and I left. That date was XXXX. They wouldn't give me my car I traded for the trk. So I didn't have a vehicle now. After I turned in trk. I canceled insurance on it and turned in tag, XXXX, XXXX Months after this I was informed by Santander they couldn't find trk. XXXX XXXX had it on the fill lot and told Santander they didn't have it. They did have it. Santander sent their people to find it and take it since they had paid XXXX XXXX. They called me, Santander to let me know they found it on the fill lot at XXXX XXXX XXXX XXXX, XXXX I'd number i have, said she would take off the trk from any credit report because they had the trk and I never made a payment. She told me it won't hurt my credit. I have names and employee ID numbers to everyone and dates I talked to at Santander. Update : it's now 3 years and it's on my credit report as closed. I have a picture of that. Yet I'm trying to have good credit to enjoy my time left on earth, and it's putting g me in a bad situation. Santander resold that trk. Please help remove this off my credit report. I can send you the things I have about this and Santander conversations. Dated people etc. Im XXXX XXXX XXXX and need help with this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Experience was reporting the well information on my credit report I have paid off my fees to everybody I owe but it's still recording on my credit report that I owe money I want them to take all the information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified mail '' with receipt displaying my signature. If not please delete account as soon as possible from my report or I will have to take legal 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume 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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I called macy 's helpline to find out what this was about. they forced a credit amount on my account that I paid cash for and I have a receipt. This act they commented should be a crime. i did not have a good enough credit score to have this balance on a macys card so I paid cash. they took my cash and told me to pick my items up 3 weeks later because of some sale they had going on three weeks later so I had to wait for my items. when the time came I went to pick my items up that was already paid for with no issues. Two months later I received this bill saying I owed for something I already paid for. Im clueless of how and why this happened.

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 2025-05-19 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ) I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX last XXXX Social Security number is XXXX XXXX XXXX Please delete the following accounts. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
This complaint is regarding a collection account reported by XXXX XXXX XXXX XXXX that appears on my TransUnion credit report. I submitted a written dispute requesting validation of the debt, including proof that the collector has the legal authority to collect. Despite my request, TransUnion responded with a generic verification and failed to provide any actual documentation or evidence to confirm the validity of the debt. 

I am currently receiving federal public

assistance, including SNAP ( food stamps ). Under 42 USC 407, federal benefits such as these are protected from garnishment and collection attempts. Reporting debts without confirming whether the consumer is receiving protected federal income may be a violation of this statute.

Furthermore, the collectors failure to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, means this debt should not be reported. TransUnion, as the credit bureau, has obligations under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i and 1681s-2 ( b ) to ensure that the information furnished is accurate and properly investigated.

Reporting a disputed and unvalidated debt harms my credit and places an unfair burden on me as a consumer with federally protected income. I request immediate removal of this collection account from my TransUnion credit report due to its unresolved and unverified status, and the potential legal violations listed above.

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 2025-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I deposited a cashiers check ( my XXXX XXXX XXXX  ) ) on XXXX. I thought funds would be made available immediately but they told me it wouldnt clear until the XXXX ( XXXX  ). I called XXXX  and they told me my funds were on another XXXX XXXX hold. I got no help or guidance after telling the people at the branch I was XXXX XXXX  and I needed funds immediately. Im broke, I owe on my bills, XXXX  isnt kicked in yet and Im just trying to survive and Im getting no help from my bank. I have {$12000.00} that should be available and theyre doing nothing when I have {$10.00} to my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of DEPTEDXXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX INQUIRIES XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
company did not indicate outcome or details pls see comp XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I went to Chase Bank in XXXX and brought my client along with a check made payable to her from XXXX XXXX for XXXX XXXX that I was supposed to do. She requested that I deposit the check into my account. The representative at the branch said thta would be fine and we both signed the check in her presence and the rep walked me to the atm and told me to deposit it there. On XX/XX/XXXX my XXXX  deposited XXXX additional checks from my clients that I service in XXXX. They are apartment complexes with different LLC 's owned by XXXX investor. On XX/XX/XXXX, my account was restricted by Chase bank pending verification of check issuance. They verified the check issuance for the third party check, but they are now saying that because they can not find the telephone number and name of the owner in their system for the other checks they can not release any funds from the account at all. This is especially disturbing for a few reasons. XXXX, they told us they use public records to verify the information and upon our own simple search of public records we were able to retrieve the name and telephone number of the owner for XXXX  XXXX XXXX and his telephone numbers which are all public information. This is also the same information we supplied to the Account Restrictions department numerous times and have been told that they dont see a number at all. Further, we have proof that these checks are issued to us monthly from the same business owners on statements from our other bank accounts. As a business owner transferring business from XXXX account to another will require me to deposit multiple checks from different individual as we own a XXXX XXXX XXXX XXXX. Am I only allowed to have one client in order to conduct business at Chase? Or am I being profiled as an XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation