vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-08 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: VA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-12-08 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 
1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I just recently started my credit building, I was approved for a credit Card on XX/XX/year>. Yesterday when checking my credit on the banking app I noticed XXXX Derogatory Marks for the same debt amount and from the same debt collection agency, XXXX XXXX. I had not received any notification in regards to the debt being collected, no phone call, no email, and no mail. My banking app appeared to show XXXX XXXX adding Derogatory Marks every month the payment wasnt made. Which was XXXX, XXXX, and XXXX of this year. When I called XXXX XXXX about the Derogatory Marks and the debt they said it was for a Hospital in XXXX. They also said it was the only debt they were trying to collect from me. After this I spoke with a few people who told me to dispute XXXX of the derogatory marks. Which I did on at least XXXX credit report websites. I also contacted a consumer rights attorney for a consultation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
I previously challenged these items and requested that they be corrected or fully removed. However, after my disputes, the company continues to report the same tradelines and has not provided a clear, fact-based explanation or outcome supported by actual evidence. 
This continued reporting suggests noncompliance with the Fair Credit Reporting Act ( FCRA ), including the obligation to follow reasonable procedures to ensure maximum possible accuracy under 15 U.S.C. XXXX ( b ), and the obligation to perform a reasonable reinvestigation of disputed information under 15 U.S.C. XXXX. 
If the companys position is that the information was verified, I am requesting the complete verification particularsnot a boilerplate response. Specifically, I request disclosure of the method of verification required by 15 U.S.C. XXXX ( a ) ( XXXX ), including : The precise source ( XXXX ) consulted to confirm the information ; The identity of the furnisher used for verification and what data was obtained from that furnisher ; The date and manner of the verification process ; and The basis for the decision to keep reporting the tradelines as accurate. 
I am seeking CFPB assistance because this inaccurate reporting is causing continuing harm, and the matter has not been resolved through standard dispute channels. I request prompt deletion and/or correction of any information that can not be properly substantiated, along with written confirmation of the reinvestigation results and the verification method used.

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 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Collectors International, Inc.
State: CA

Complaint narrative:
XXXX XXXX is attempting to collect an alleged debt of {$1600.00} on behalf of Debt Collectors International ( XXXX ). The amount is disputed and not owed. No proper documentation has been provided to support the claim, and the collector has escalated the matter without verifying the debt as required by law. Multiple inaccuracies and misrepresentations have occurred, and the collector is demanding payment without legal basis or proper validation. 

I request that the CFPB intervene to require the collector to cease all activity, provide proper documentation, and correct its records. Supporting documents, including the collection letter and contract terms, are available upon request. 


this is the company contact that is harassing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Collectors International , Inc . 

Phone : XXXX Fax : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a check from my employee that was returned and deemed altered or fictitious. As a result, I contacted Wells Fargo and was informed that this was the reason for the impending closure of my account. I had no prior knowledge of the insufficient funds in the account of the person issuing the check. How could I have reasonably been expected to know? They notified me that my account would be closed on XX/XX/XXXX and that I would not be allowed access to my account, which contains multiple unauthorized charges that I was unable to report as fraudulent due to the account restrictions. Due to numerous unauthorized charges from XXXX incurred while I was XXXX, my account has been depleted. I feel neglected and poorly treated by the bank.

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 2025-12-08 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 a consumer requesting an investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts in Dispute : XXXX XXXX  XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$320.00} XXXX XXXX XXXX  : XXXX, XX/XX/XXXX, {$2600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$790.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00XXXX XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, {$150.00} Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments in Dispute : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
i started a new job. my direct deposit did not kick in right away so my company sent me a physical check. i did a mobile deposit into my Capital One checking account via the app friday at about XXXX i got an email saying the check was received. about 30 mins later i got an email saying the check was being held for about a week to confirm, which is fine. thats normal. then about an hour later i got another email saying they are holding my check until XX/XX/year>. i called the bank to ask why. there response is that it could be fraud. i gave them phone number to my company. they told me those phone number are not for my company even know they are listed on the website. waited over the weekend to call again cause all my payroll dept was got on Friday. was on the phone for almost an hour for them to try and confirm. they said they can only call the XXXX number. they finally came back and said the call center to my company was busy and they said to call back in 15 mins. called again and they are still trying to confirm. they can't give me a straight answer as to why it would be held for over 60 days. i can walk into the XXXX XXXX bank my check is from and cash it. capital one said they can not call XXXX to confirm anything or XXXX  who my check is through. this is an extreme hardship. i have rent, car payment, insurance payment not to mention XXXX is in a couple weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-08 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: FL

Complaint narrative:
TransUnion is reporting a bankruptcy public record on my credit file that is inaccurate and legally impossible for them to have verified. On XX/XX/year>, I received an official written response from the XXXX Bankruptcy XXXX. The Court stated that they received my letter on that date, but the Clerks Office can not file or process my request because bankruptcy records are public records. Importantly, the Court stated : The Court does not report any findings to the credit agency. The Court also noted that the Fair Credit Reporting Act, 15 U.S.C. 1681, governs credit reporting agenciesnot the Bankruptcy Court.

Because the Bankruptcy Court is the only original source of bankruptcy records, and because they confirmed they do NOT furnish information to ANY credit reporting agency, TransUnion could NOT have verified this bankruptcy with the Court. However, TransUnion continues to report the item and claims it was verified, without identifying any furnisher or providing any proof.

TransUnion has violated multiple sections of the FCRA, including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( duty to investigate ), 1681i ( a ) ( 6 ) ( B ) ( iii ) ( failure to identify furnisher ), and 1681i ( a ) ( 7 ) ( failure to describe the method of verification ). Because the Bankruptcy Court confirmed it is NOT the source of the information, and does NOT report or verify anything for credit reporting agencies, the bankruptcy is unverifiable and must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I request that the CFPB require TransUnion to delete this unverifiable public record and provide documentation of who they claim verified it, since the Court explicitly stated it did 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 2025-12-08 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: TX

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/year>, I sent {$80.00} through Chimes Pay Anyone feature as an application fee for a rental listing found on XXXX. Prior to sending the payment, the recipient explicitly represented that the application fee was refundable if I decided not to proceed. 

Shortly after the payment was sent, the recipient attempted to collect a significantly larger security deposit. At that point, I became concerned and immediately withdrew from the rental. I requested a refund of the {$80.00} application fee the same day. The recipient refused to refund the money. 

I recognized this as a rental scam and contacted Chime within approximately one hour of the transaction. 

I also filed a fraud report with the Federal Trade Commission. 

Despite the immediate reporting and clear evidence of fraud by deception, Chime denied my claim on the basis that the payment was authorized and later closed the dispute stating that no error occurred. 

Chimes denial focused only on whether their system processed the transaction correctly. It did not address the fraudulent inducement or whether the funds were recoverable at the time I reported the scam. The dispute was closed without addressing the deceptive conduct that led to the transfer. 



Why I believe this is a compliance issue : While the payment was technically authorized, it was authorized under false representations. Treating deceptive inducement as simple buyers remorse fails to reasonably investigate a known, documented rental scam reported within hours. 

Chimes handling of this dispute did not meaningfully address : Misrepresentation by the recipient Fraudulent inducement Timeliness of reporting Whether funds were still recoverable when reported This creates a consumer protection concern regarding Chimes treatment of P2P fraud disputes and whether disputes involving deception receive adequate investigation under Regulation E and unfair/deceptive practices standards.

Company response to consumer: Closed with explanation