vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am bringing an urgent and important matter to be addressed by you and the creditor as I have recently became aware of serveral credit card that have been obtained using my persnal information has been used to obtain credit cards under my name. 


I have found a XXXX XXXX  credit card ending XXXX on my credit profile which I have never applied for.s I have also found an XXXX credit card account ending XXXX which I equally never applied for. 


This my formal notice to you as the credit card provided as under the Fair Act, this is consider a violation of my rights and thus all these fruadulents information must be remove and deleted from my credit file. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am bringing an urgent and important matter to be addressed by you and the creditor as I have recently became aware of serveral credit card that have been obtained using my persnal information has been used to obtain credit cards under my name. 


I have found a XXXX XXXX  credit card ending XXXX on my credit profile which I have never applied for.s I have also found an XXXX credit card account ending XXXX which I equally never applied for. 


This my formal notice to you as the credit card provided as under the Fair Act, this is consider a violation of my rights and thus all these fruadulents information must be remove and deleted from my credit file. 


Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint to report continued violations of the Fair Credit Reporting Act ( FCRA ) by Transunion. This bureau has failed to take appropriate action to remove or correct inaccurate information, even after prior disputes and a previously filed CFPB complaint. 

The item in question is a collection account reported by XXXX for the amount of {$170.00}. Despite previous disputes, the account continues to be reported with a past due amount, which is a violation of Metro 2 credit reporting guidelines and the FCRA.

Specifically : A collection account should not be reported with a past due amount, as the original creditor is no longer billing the consumer.

Reporting a collection account as past due is factually incorrect, misleading to lenders, and violates FCRA 1681e ( b ) ( requirement to maintain maximum possible accuracy ). 

I submitted a dispute directly to the credit bureau, and also filed a CFPB complaint, which was closed without the matter being resolved. 

The bureau failed to perform a reasonable re-investigation of the dispute in accordance with FCRA 1681i and failed to delete inaccurate information after being notified of its inaccuracy, violating FCRA 1681s-2 ( b ).

I am now requesting the following : Immediate deletion of the XXXX collection account due to repeated violations and inaccurate reporting.

An explanation as to why a clearly inaccurate status ( past due ) is still being reported despite prior notice.

Monetary relief for continued FCRA violations, including damages as outlined under 15 U.S.C. 1681n and 1681o, up to {$1000.00} per violation, plus punitive damages if willful noncompliance is determined.

This situation has caused me emotional distress, lowered my credit score, and negatively affected my access to credit. The bureau has been given ample time and documentation to correct the issue and has failed to comply with federal law. 

I am requesting the CFPB intervene and assist in both removing the account and securing financial compensation for the ongoing harm. 

Thank you for your prompt attention to this 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-04-18 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report may be filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an c-oscar report. XXXX does not have documentation to show these were in fact authorized it must be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint Against Experian, Equifax, and TransUnion for FCRA Violations and Failure to Investigate Disputes To Whom It May Concern : I am submitting this formal complaint against the three major credit reporting agenciesExperian, Equifax, and TransUnionfor their continued and willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically their failure to investigate and resolve my disputes regarding fraudulent and inaccurate information on my credit reports within the required four ( 4 ) business days, as required under 15 U.S. Code 1681i. 

Despite following proper dispute procedures and providing supporting documentation, including an FTC identity theft report, these agencies have repeatedly disregarded my claims, failed to correct inaccurate data, and permitted the reinsertion of previously deleted items without proper notification or justification, which is a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

I have escalated this matter by submitting formal complaints to the XXXX XXXX XXXX XXXX XXXX XXXX  and the Office of the Attorney General, both of which have been attached to this submission along with : My original disputes Proof of past deletions Evidence of reinsertion My FTC Identity Theft Report A copy of the letters sent to the XXXX and Attorney Generals Office Their lack of compliance and continued negligence in handling my disputes demonstrate a blatant disregard for federal consumer protection laws. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), reinsertion without proper notification and certification is a direct violation of my rights.

This is my 6th request and complaint and no resolution.

Next Legal Action : Should this issue remain unresolved, I will move forward with filing a civil lawsuit with the support of an FCRA attorney and seek monetary damages for the ongoing harm caused to my credit, peace of mind, and financial opportunities. This includes claims for emotional distress, negligence, and failure to comply with federal consumer rights. 

I am prepared to take all necessary legal steps to protect my rights under the law. I appreciate the CFPBs immediate attention and intervention.

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank closed my business account unilaterally and without prior notice. Since the closure, I have not received the return of my funds. 

I contacted customer service, but they have not provided a clear explanation or a specific date for the release of my funds. They only stated that the account was closed for " business reasons, '' which I find vague and unacceptable. 

I rely on that account for my business operations and need immediate access to my money. I also requested a formal letter explaining the reason for the account closure, but I have not received any written response. 

I respectfully request the CFPBs assistance in ensuring Chase returns my funds promptly and provides a written explanation for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the accuracy of the information reported on my credit file and demanding an immediate investigation into the matter. The items in question are inaccurate, incomplete, and do not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and Experian are required to conduct a reasonable investigation within 30 days. Failure to do so constitutes a violation of my consumer rights under federal law which they failed to send me the investigation results and did not delete them.

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 2025-04-18 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I regularly check my report, but this time I found unexpected discrepancies. I even refreshed my browser thinking it might be a temporary glitch, but the errors remained. Given this, I kindly ask that you review the documents Ive submitted carefully to ensure this doesnt continue to be a problem.

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 2025-04-18 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: MD

Complaint narrative:
I should have XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX listed as my address on my credit report. Trans union nor has equifax updated this!

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I should have XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX listed as my address on my credit report. Trans union nor has equifax updated this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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 HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sometime in XX/XX/XXXX, EverBank left TIAA. I am an EverBank original customer. In XX/XX/XXXX, I began having problems using my debit card because EverBank sent me two. When the correct card became known, I began using it. However, I had problems withdrawing money from the ATMs listed with EverBank. I would be away from home in another state and could not access my funds via XXXX or any other bank. In addition, I began experiencing issues with the EverBank mobile app. My login credentials were not being accepted. For months I called about the issue. 

In XX/XX/XXXX, I started deleting the EverBank mobile app and reinstalling it to use my secure login credentials. This worked, but within two weeks my login credentials would become unusable. 

In XX/XX/XXXX, while speaking with EverBank customer service, I noticed the EverBank debit card and my XXXX debit both use the same ACH. Once I presented this information to the EverBank customer service, I didnt have any problems withdrawing money from the any ATMs. However, my login credentials were completely being blocked. If I hadnt studied computer programming, I would be oblivious to what had been transpiring. 

Someone or some persons in EverBanks Technical Support is deliberately restricting my access to my accounts by writing a program/script that attaches to my account on its server and will generate a wrong credential error with the correct password each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing a formal complaint against Affirm and the merchant XXXX, associated with XXXX XXXX XXXX XXXX University program. 

On XX/XX/year>, I financed a {$7000.00} course through Affirm ( Loan ID : XXXX ) with the promise of receiving personalized 1-on-1 coaching, direct access to support, and hands-on assistance to build an XXXX business. These promises were clearly outlined in the signed contract. However, none of the contractual commitments were honored : 1. My coaching session was canceled at the last minute and never rescheduled.

2. I repeatedly contacted their support via email, Discord, and XXXX reply. 
3. I was promised guidance during hard times ; I reached out after losing my job and was completely ignored.

4. A representative advised me during the financing call to inflate my income to qualify for the loan. 

These are serious contractual violations. Despite this, Affirm denied my initial dispute citing a no-refund policy from the merchant. That policy is invalid when the service is not delivered. The merchant has committed material breach of contract. 

I have since paid {$690.00} under protest to avoid damage to my credit while I pursue this formal dispute. I respectfully request that Affirm cancel the remaining balance of the loan, remove any negative credit reporting, and investigate this merchants practices. 

Attached : signed contract, violation breakdown, support messages, proof of communication and ignored responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR 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  Balance Owed : {$130.00} XXXX  XXXX XX/XX/year>

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$130.00} XXXXXXXX XXXX XXXXXXXX * * * * * * Balance Owed : {$1200.00} XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * * * * * Balance Owed : {$3500.00} XXXX XXXX * * * * * * XXXX * * * Balance Owed : {$370.00}

Company response to consumer: Closed with non-monetary relief