vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-06 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate opened XX/XX/XXXX -Balance {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-10-06 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. This Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: OR

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-06 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: WA

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX BANK XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX CARD XXXX Balance : {$4200.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  BANK XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX CARD XXXX XXXX  CARD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: WA

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX BANK XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX CARD XXXX Balance : {$4200.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  BANK XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX CARD XXXX XXXX  CARD 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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2025, I received a call from XXXX XXXX, the branch manager at M & T Banks XXXX XXXX branch in XXXX, NY, regarding a {$22000.00} business check I deposited at the XXXX XXXX ATM. She stated that the check had been signed and deposited into my account, then claimed it was flagged as suspicious. 

I immediately confirmed that I deposited the check myself, which was issued legitimately by my customers XXXX XXXX XXXXXXXX XXXX, with whom Ive had a long, positive business relationship. XXXX XXXX said an investigation was underway but did not know details.

Over the following days, no one from M & T contacted me or my customer, even though two quick phone calls could have verified the legitimacy of the check. Without warning, my account was frozen, my deposited funds removed, and ultimately my entire banking relationship ( including my car loan, HELOC, and business line of credit ) was terminated.

I was not accused of wrongdoing, and my customer confirmed with her bank ( XXXX  XXXX XXXX ) that the check was valid. Despite multiple calls and emails, I received no clear explanation. The handling of this situation has caused severe disruption to my business operations.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just looked over my credit report and noticed that several account is showing incorrect and incomplete balance history. The following account dont reflect what actually happened with my payments and balances : XXXX XXXX XXXX XXXX XXXX * Balance : {$0.00} Some of the balances dont change month to month even though Ive been making payments, and in other cases, the numbers just dont make sense based on my records. This kind of reporting is hurting my credit and making it harder for me to move forward with things like financing or getting approved for housing.

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 2025-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: IN

Complaint narrative:
I am submitting this complaint regarding XXXX and Mohela for their mishandling of my student loan account, inaccurate credit reporting, and violations of federal law. XXXX was previously subject to a federal class action lawsuit for predatory lending and servicing practices. As part of that settlement, they were required to cancel certain loans and provide restitution to impacted borrowers. Instead, my loan was transferred to Mohela without my consent, and I am now experiencing serious issues with the reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting to you once again regarding inaccurate and unverifiable information that continues to appear on my Equifax, TransUnion and Experian credit report despite prior disputes. This letter addresses XXXX critical categories of reporting errors that directly affect my creditworthiness and financial reputation : 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 XXXXXXXX An inaccurate address that has no connection to me, and XXXX. Multiple XXXX  accounts and one XXXX  account that contain false late payment data inconsistent with my verified payment history. 
These errors collectively demonstrate ongoing noncompliance with your obligations under the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) ( requiring maximum possible accuracy ), 611 ( a ) ( 1 ) ( A ) ( requiring a reasonable reinvestigation of disputes ), and 623 ( a ) ( 1 ) ( A ) ( prohibiting furnishers from reporting information they know or should know is inaccurate ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting to you once again regarding inaccurate and unverifiable information that continues to appear on my Equifax, TransUnion and Experian credit report despite prior disputes. This letter addresses XXXX critical categories of reporting errors that directly affect my creditworthiness and financial reputation : 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 XXXXXXXX An inaccurate address that has no connection to me, and XXXX. Multiple XXXX  accounts and one XXXX  account that contain false late payment data inconsistent with my verified payment history. 
These errors collectively demonstrate ongoing noncompliance with your obligations under the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) ( requiring maximum possible accuracy ), 611 ( a ) ( 1 ) ( A ) ( requiring a reasonable reinvestigation of disputes ), and 623 ( a ) ( 1 ) ( A ) ( prohibiting furnishers from reporting information they know or should know 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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
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 Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> 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 2025-10-06 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: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: KY

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-10-06 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: OR

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My available credit on XXXX was {$1000.00}. However, despite on-time payments above the minimum and not using this credit card at all, XXXX has " magically '' reduced my available credit to only {$830.00}. 

XXXX appears to intentionally target elderly XXXX XXXX  women on fixed incomes by manipulating interest rate calculations thereby increasing monthly payments despite the client 's historical on time monthly payments of more than the than the minimum amount required. 

The intent being to make it impossible for those on fixed incomes to pay off the credit Even balance transfers of ( {$2000.00} ) are deliberately " eaten up '' by account interest manipulation so as to keep a high balance on the credit card. 

XXXX then reduces the credit line. 

1. Recently DISCOVER representatives were asked to file disputes regarding XXXX XXXX XXXX, a company with a proven history of fraudulent account management practices ie. changing my phone number without my permission, assigning my number to an inoperable device, denying me access to my account either online or via the app. after reports were made to my family and to the news media about the fraudulent account actions, etc. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX refused to file the disputes. 

2. Despite non-use, charges have begun trending upward and available credit trending downward. Reasons for this ranged from, " balance carryovers '' to " daily interest charges. '' 3. Screen shots taken since the accounts inception show that this is not the case.

4. After reporting this activity and lodging complaints, the available credit amount was corrected and increased during the last billing cycle. 

5. My " Chat '' with XXXX this past Monday convinced me that l was correct in my assessment of harassment and retaliation deliberately targeting older XXXX XXXX  women on fixed incomes : When I noted that emails and texts to friends, family, and the media regarding this Issue were being " blocked '' during our conversation, XXXX left the chat. 

XXXX XXXX ( XXXX parent company ) continues to be enmeshed in legal battles regarding its unlawful acts directed at consumers. Their subsidiary XXXX XXXX is apparently continuing to follow suit by intentionally targeting older XXXX XXXX  women on fixed incomes as account screenshots going back to the initiation of the account attest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-06 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: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief