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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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>XXXX  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 2025-05-19 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: FL

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

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX  violated my rights under the Fair Credit Reporting Act ( FCRA ) and the ongoing harm I have suffered due to their negligence, including but not limited to the XXXX  XXXX  data breach, which I was personally affected by. My breach engagement number associated with XXXX  is XXXX. Additionally, please note my official FTC Identity Theft Report reference number : XXXX. 

Despite multiple attempts to resolve these issues directly with XXXX, they continue to report inaccurate, outdated, and unverifiable information on my credit file. I am disputing the following accounts and inquiries that either lack a permissible purpose under FCRA Section 604 ( 15 U.S.C. 1681b ) or exceed the reporting limits under FCRA Section 605 ( 15 U.S.C. 1681c ).

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: FL

Complaint narrative:
Sendwave XXXX ID XXXX My case number XXXX On XX/XX/year> I sent a money transfer to XXXX XXXX my XXXX  in the amount of {$580.00}. I have sent close to XXXX dollars over past XXXX yrs. This time my XXXX  did not receive the money into her account in XXXX. I contacted sendwave/XXXX and they asked for evidence. I submitted to them detailed bank transactions for the XXXX  bank with their stamp to prove it was official. 

Sendwave sent a delivery ID claiming money transfer was complete and I was to ask XXXX bank about the delivery ID. The bank advised the delivery ID did not exist for them and they also looked at my XXXX  incoming money transfer history. There was always the same bank but not the name of Sendwave. This time there was NO incoming from that same bank. 

I then advised sendwave status on XX/XX/year> and was told in XXXX hours they would send verification of money transferred by their bank. As of XX/XX/year> I did not hear from sendwave. I then called them XX/XX/year> and was told same thing. Now they are telling me if the money transferred by their bank was sent to a wrong account they sendwave will not reimburse me even though it was clearly either sendwaves fault or their third party bank they use. 

The same account number for my XXXX  was used since the last XXXX XXXX so it was not my error typing in the Wrong account number because it has been saved and used for past XXXX XXXX. I do not have to type in account number each transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2025, Navy Federal Credit Union contacted me to report suspicious activity and confirmed my account was compromised. A fraudulent Member-to-Member transfer of {$4900.00} was made to an unknown individual who had been unauthorizedly added to my account. I immediately reported the fraud and was assured by a representative that my account would be secured, a new profile would be created, and that the funds would be returned within XXXX XXXX XXXX 

However, less than XXXX XXXX  later, my fraud claim was deniedwithout any investigation findings, due process, or the opportunity to provide additional context. I was then restricted from accessing all of my accounts, including online and phone banking, and my credit card account became past due as a result of my inability to make payments. 

I received a call from someone identifying as an executive team member on XX/XX/2025, who said that a follow-up from leadership would occur within XXXX XXXX XXXX. No one has contacted me since. 

At a branch visit, I was told there were no records of my fraud appeal in the system. I was then told I would have to create a new email, username, and password just to regain access. Still, I was given no documentation or transparency around the denial. Ive provided documentation, yet Navy Federal has failed to take appropriate action or communicate clearly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate and potentially erroneous information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe is incomplete, inaccurate, or unverifiable, and I request that this matter be investigated promptly and corrected accordingly. 
Specifically, I am disputing the following late payment entries : XXXX. XXXX XXXX XXXX late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX late payments reported for XX/XX/XXXX and XX/XX/XXXX. 

I have reviewed my records, and I believe these late payment notations are either inaccurately reported or resulted from circumstances beyond my control that should be reconsidered. Additionally, due to the XXXX  data breach that compromised personal and financial data of over XXXX XXXX Americans in XXXX, and continuing concerns about data integrity and identity theft risks, I am concerned that some of this information may have been compromised or misreported.

As provided under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a thorough investigation into these disputed items. If these accounts can not be fully verified and substantiated with accurate documentation from the furnishers ( XXXX XXXX and XXXX XXXX ), I respectfully request that the disputed information be corrected or removed from my credit file within the required XXXX period. 
Please also include a copy of the updated credit report showing the results of your investigation and any corrections made.

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: NJ

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 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: NJ

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 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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have XXXX XXXX that were officially forgiven by the Department of Education for the period from XX/XX/XXXXXXXX XXXX XXXX  and I have documentation proving this forgiveness. The forgiveness letter explicitly states that all XXXX XXXX  were forgiven. 

The loan servicer, XXXX ( which is part of XXXX and associated with the Department of Education ), continues to report the loan as outstanding. When reviewing my account, I noticed earlier loan history going back to XXXX has been erased, leaving only loan activity from XXXX onward visible. This removal of records is suspicious and hinders proper tracking of my loan history. 

The loan account was repeatedly charged off and reopened multiple times, causing confusion and inaccurate reporting. Additionally, a Form 1099-C was issued for this debt, which is improper since the loan was forgiven and should not be considered taxable income. 

I understand that XXXX XXXX and XXXX were sued for predatory lending practices around XXXX, which is relevant given the questionable handling of my loans. 

I have provided documentation multiple times proving my loan forgiveness, but XXXX ( a dept under Dept of Education ) denies responsibility, refuses to correct my account, and incorrectly claims these loans are unrelated to the colleges I attended. 

This ongoing mismanagement and inaccurate reporting is causing me financial harm and potential tax issues. I request that the CFPB investigate this thoroughly, ensure my loan forgiveness is honored, restore the full loan history, correct the account status, and have the 1099-C rescinded.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have student loans that were officially forgiven by the Department of Education for the period from XX/XX/XXXX through XXXX, and I have documentation proving this forgiveness. The forgiveness letter explicitly states that all federal loans were forgiven. 

The loan servicer, XXXX ( which is part of XXXX and associated with the Department of Education ), continues to report the loan as outstanding. When reviewing my account, I noticed earlier loan history going back to XXXX has been erased, leaving only loan activity from XXXX onward visible. This removal of records is suspicious and hinders proper tracking of my loan history. 

The loan account was repeatedly charged off and reopened multiple times, causing confusion and inaccurate reporting. Additionally, a Form 1099-C was issued for this debt, which is improper since the loan was forgiven and should not be considered taxable income. 

I understand that XXXX XXXX and XXXX were sued for predatory lending practices around XXXX, which is relevant given the questionable handling of my loans. 

I have provided documentation multiple times proving my loan forgiveness, but XXXX ( a dept under Dept of Education ) denies responsibility, refuses to correct my account, and incorrectly claims these loans are unrelated to the colleges I attended. 

This ongoing mismanagement and inaccurate reporting is causing me financial harm and potential tax issues. I request that the CFPB investigate this thoroughly, ensure my loan forgiveness is honored, restore the full loan history, correct the account status, and have the 1099-C rescinded.

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: AZ

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 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: AZ

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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I entered into an auto insurance policy agreement with XXXX and it's licensed representative agents. The policy was originated by XXXX XXXX XXXX # XXXX, and also corresponded with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX XXXX The policy period was XX/XX/year> to XX/XX/year>, and I agreed to pay the entire amount of the policy in full of {$2300.00} on XX/XX/year>. I signed all application paperwork that was provided to me by the firm to procure the policy, and received the policy & dec pages for the insurance agreed. 
I reached out to the company to inquire about my upcoming renewal info 6 months later, and XXXX XXXX told me that I owed money additional money of {$260.00} to the auto policy as XXXX had made a change to my coverage because they didn't receive the necessary signed document from me to " decline '' certain coverage. If state law requires XXXX to provide a signed document from the customer declining any coverage, then XXXX and it's agents need to provide all such documents to the client so they can be signed. In this case, XXXX and the XXXX XXXX XXXX failed to use due care, and was negligent/incompetent in the omission of any necessary document, as they had already told me that my policy was bound and finalized.

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: 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: OK

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
From XX/XX/XXXX to present I have been charged outstanding late fees. In the amount of {$320.00}. My car note is XXXX XXXX monthly. If I am late I have to pay the {$530.00} plus {$320.00} mo in late fees which I find extremely excessive. 
I had set up payment arrangements since a personal emergency that I had around XX/XX/XXXX. I made an arrangement for {$530.00} thinking If I set that amount with the Ally Financial I could catch up. I gave them a payment of {$560.00}, then a rude XXXX representative would call stating I owe another {$320.00}, then when I pay it then the next day another representative would call and give a different amount. I am very stressed out with this company and I need assistance getting out of this car catastrophe. Now they are putting my car in reposession status. I never received a letter by mail only a notice via email. I can't believe any quotes that they tell me and they are robbing me blind I am on a fixed income and I need to be relieved from this agency. 
Representatives has called me at XXXX everyday and call like 8 times per day I feel as though I am being harassed and its causing me mental & financial anguish. I need assistance in this matter.

Company response to consumer: Closed with explanation