vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 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: FL

Complaint narrative:
Dear Sir/Madam, I am disputing the following inquiries. These were either unauthorized or inaccurately reported and should be removed from my credit report without delay. 

INQUIRIES 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 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 non-monetary relief
Consumer complaint received 2025-12-03 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am currently disputing with XXXX and XXXX XXXX failed to provide the services contracted. I consistently experienced unreliable and inadequate internet service, which caused financial harm. When I attempted to dispute the charges directly, XXXX representatives refused to provide me with the official dispute fax or mailing address, effectively denying me a valid dispute channel. 
Further, XXXX has also partnered with my housing authority to bundle services into my rent without my consent, creating a double-charge situation I am being billed directly and indirectly for services I did not agree to or receive properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This is a formal complaint directed to APPLE CARD/GS BANK USA regarding the inaccurate, incomplete, and improperly reported information associated with the account ending in XXXX, which is being reported as a Charge Off with a stated balance of {$6000.00} and an opening date of XX/XX/year>. I challenge the accuracy and validity of all information furnished by APPLE CARD/GS BANK USA to the credit reporting agencies and request that you conduct a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), which require furnishers to provide accurate information and to properly investigate disputes forwarded by any consumer reporting agency. This account appears to have been reinserted into my credit file without any proper written notification, indicating that APPLE CARD/GS BANK USA may have certified inaccurate or unverifiable information during reinsertion. Furnishing information that is inaccurate, unverified, outdated, or unsupported violates FCRA 623 ( a ) ( 1 ) ( A ), and any failure to properly investigate or correct the information upon notice violates FCRA 623 ( b ). These actions may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. As a California resident, I further assert violations of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), including XXXX XXXX XXXX XXXXXXXX ( a ), which prohibits furnishers from reporting information they know or should know is inaccurate, and XXXX. XXXXXXXX XXXX XXXXXXXX ( f ), requiring correction and notice when inaccurate information has been provided. I am requesting complete documentation demonstrating the legitimacy of the reported balance, charge-off status, dates, and all data provided to the credit reporting agencies, including proof of your verification process and copies of any records used to substantiate the information. If APPLE CARD/GS BANK USA can not provide competent evidence demonstrating the accuracy and validity of the information, I request that you immediately notify all consumer reporting agencies to delete or correct the account and provide me written confirmation of such corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: MO

Complaint narrative:
The listed items on my credit report are not MINES and resulted from a data breach ( XXXX XXXX EQUIFAX DATA BREACH. ). Request that the information be blocked from your credit report according to section 605B of the Fair Credit Reporting Act ( FCRA ).

Experian failed to properly investigate consumer disputes about credit report errors, violating the Fair Credit Reporting Act ( FCRA ). This includes not thoroughly investigating, ignoring key details, accepting creditor responses without verification, and improperly reinserting deleted inaccurate information. Experian illegally sells consumer phone numbers to third-party lenders via services like XXXX XXXX , violating the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Could you look over this entry? There could be issues with it.

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 2025-12-03 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:
Examine the materials attached ; the inquiries were received suddenly and could be unofficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
The company refuses to drop PMI, will not clarify why they will not remove PMI. They will not say when they will drop PMI. And they are very unresponsive.

History : I applied for a Partial Release XXXX of XXXX. In XXXX, the Partial release was conditionally approved " Pending removal of PMI ''. I obtained a new appraisal showing the XXXX was well below 80 %. Freedom Mortgage advised that I needed to follow up with " XXXX '' to have PMI removed. I did follow up. XXXX responded, confirming a PMI cancellation date effective XX/XX/2025. I provided this information to Freedom Mortgage, and they then stated the partial release was approved, and I would receive paperwork on XX/XX/XXXX. However, I received no paperwork. I emailed back on XX/XX/XXXX, and they stated PMI still shows as active on the account. 

They emailed back on XX/XX/XXXX, saying the partial release had been approved.

However, PMI was still being deducted from my payment. I opened a ticket on their web portal on XX/XX/XXXX and received an automated response on XX/XX/XXXX at XXXX XXXX  stating, " My request to remove PMI is denied. '' I called multiple times, was put on hold indefinitely, and the call was dropped numerous times. 

I then emailed back on XX/XX/XXXX. They responded, saying they would investigate. I've followed up multiple times ; I've wanted a phone call to sort this out, but they claim it's with another person or department and will provide no other information or follow up.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

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 2025-12-03 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Someone tried opening an account with Wells Fargo in my name. I contacted them immediately, but they had already denied the application. I went in and froze my credit. When I talked to Wells Fargo they said they could do nothing about the credit inquiry because I never had an account. It told her that I had the emails and the reference numbers. She said that didn't matter. They were nearly useless and told me to contact XXXX. I contacted XXXX and they said I needed to file a report and send letters via snail mail to 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 2025-12-03 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: 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 explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-12-03 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 no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-12-03 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: GA

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2025-12-03 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: NJ

Complaint narrative:
have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am filing this complaint because Equifax is reporting several accounts and inquiries that I believe are inaccurate, incomplete, or not properly verified. When I attempted to dispute these items directly with the bureau, the reinvestigation results were not satisfactory.

Charged-Off Accounts in Dispute XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$190.00} XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$5700.00} Issues : These accounts contain inconsistent information and were not validated with any supporting documents showing accuracy, ownership, or correct balance details. I am requesting a proper reinvestigation and verification under FCRA 611.

Hard Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries, and they remain unverified.

Late Payment Reporting XXXX XXXX Acct : XXXX I am disputing the late payment reporting because it is inaccurate and has not been validated.

Request I am requesting that Equifax : Perform a full reinvestigation under FCRA 611.

Provide complete validation of each item listed.

Remove any accounts or inquiries that can not be fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XXXX XXXX I was alerted by chime through my email that I had suspicious login activity from two different locations and so I went to check my chime but it logged me out and so when I logged back in I noticed my savings completely depleted and dispersed to random chime accounts and people Ive never connected with or come into contact with and chime support is not being very helpful Ive been denied at least 4 times at this point and I will be following up with a police report if no actual action or investigation is going to take place

Company response to consumer: Closed with explanation