vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: CO

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
A XXXX XXXX XXXX that was already XXXX is still being reported on my credit report, and I believe the way its showing up is not entirely accurate. I contacted the court and was informed they do not report to credit bureaus, so the information is likely coming from a third-party source. 

Because of this, I believe the credit bureaus are reporting unverified or outdated information, which is a violation of my rights under the Fair Credit Reporting Act, especially XXXX XXXX. XXXX ( b ) ( which requires maximum possible accuracy ) and XXXX ( which limits who can access and use my information ). 

XXXX not working with a credit repair agency XXXX simply trying to clean up my credit and make sure whats being reported is fully verified and accurate.

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 2025-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-08 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
A XXXX XXXX XXXX  that was already XXXX is still being reported on my credit report, and I believe the way its showing up is not entirely accurate. I contacted the court and was informed they do not report to credit bureaus, so the information is likely coming from a XXXX source. 

Because of this, I believe the credit bureaus are reporting unverified or outdated information, which is a violation of my rights under the Fair Credit Reporting Act, especially XXXX XXXX. XXXX ( b ) ( which requires maximum possible accuracy ) and XXXX ( which limits who can access and use my information ). 

XXXX not working with a credit repair agency XXXX simply trying to clean up my credit and make sure whats being reported is fully verified and accurate.

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 2025-09-08 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in questionXXXX XXXXXXXX, was opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law. Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed account, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: IN

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-08 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-08 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

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 2025-09-08 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: TX

Complaint narrative:
These accounts do not belong to me and must be removed within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GREEN ROAD FINANCE INC.
State: CA

Complaint narrative:
Outline of Events and Misconduct A. The Repossession XXXX XXXX, 2025 : XXXX payment of {$650.00} sent to XXXX XXXX XXXX for XXXX XXXX ( XXXX  XXXX XXXX receipt attached ). 
XXXX XXXX, 2025 : Despite valid payment, account flagged as delinquent due to misapplication of payment to XXXX XXXX loan. 
XXXX XXXX, 2025 : XXXX XXXX XXXX representative admitted XXXX payments were misapplied by their payroll department. 
XXXX XXXX 2025 : XXXX repossessed. This was wrongful, since the account was never late. 

B. Subsequent Charges While Vehicle Was Held After repossession, XXXX XXXX XXXX : Continued charging monthly interest as if the XXXX loan were still open. 
Assessed late fees and NSF fees, even though a payment had been made. 
Failed to properly credit or reverse those charges after acknowledging their internal error. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  as open with {$15000.00} balance and late payments. 
Reported to XXXX  as charged-off with {$0.00} balance. 
Both statuses are contradictory and create double damage. 
First delinquency dated XXXX XXXX, XXXX day after proof of payment. 
XXXX. XXXX XXXX XXXX XXXX sold in XX/XX/year>, but tradeline continues to report as open with missed payments. 
XXXX XXXX delayed releasing the XXXX, further harming credit. 
XXXX. Retaliatory Credit Reporting After I disputed in XX/XX/year> and provided proof of payment, XXXX XXXX : Re-opened accounts in reporting systems. 
Continued marking them as late. 
Flagged XXXX loan as charged-off while simultaneously keeping it open. 
This appears retaliatory, as the derogatories worsened only after I challenged their errors. 

XXXX XXXX XXXX damage : My reports show XXXX derogatory accounts, inflated balances, false late payments, and a charge-off. 
Financial damage : Ongoing interest, late fees, and NSF charges for an account that was not delinquent. 
Property loss : Wrongful repossession of the XXXX XXXX despite being current on payments. 
XXXX violations : Fair Credit Reporting Act ( FCRA ). 
Truth in Lending Act. 
California XXXX XXXX. 
CFPB guidance on repossession and misapplied payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CEX.IO CORP.
State: NC

Complaint narrative:
Someone got into my phone and used my card information to make {$450.00} in unauthorized transactions that were made in XXXX different payments. The bank was XXXX they were notified. The company was called CEX.IO when reported to the company they said they couldn't find any transactions for the card number or bank number I provided. I don't understand how this guy just got by with taking my money with no pin verification or identity verification like at all what so ever!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/year> I received a {$500.00} USD payment via XXXX for film crew work. 

XX/XX/year> The sender notified me that their bank account was hacked and a chargeback was initiated for the same {$500.00}. XXXX then placed a hold on my account. Since there was no balance, XXXX froze my account. 

Late XX/XX/year> The sender resolved the matter with their bank. The bank cleared the issue. 

Since XX/XX/year> to present ( XX/XX/year> ) XXXX has continued to hold my {$500.00} USD and has kept my account frozen. Despite contacting XXXX customer service and the fraud department multiple times, I was not given a resolution timeline or explanation. 

Dispute ID : XXXX Transaction Amount : {$500.00} USD Disputed Amount : {$500.00} USD Transaction Date : XX/XX/year> Chargeback Date : XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
They violated my rights as a consumer under XXXX XXXX XXXX. I need these items blocked and removed from my credit report. 

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 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 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
XX/XX/year> {$5200.00} The business consistently denied my request regarding the dispute multiple times even with documentation submitted. Every time I reopened the dispute they asked for additional information and i submitted whatever documentation each time just for them to tell me I need to submit a letter on why Im disputing this transaction. I have XXXX unauthorized Charges on my chime account for XXXX XXXX. I provided my XXXX XXXX transactions and they are not populating in my history but the money was stolen. As I advised chime my phone was broken and was taken down to a company that fixes phones. The next morning when I went to pick my cell up is when I realized I had a huge amount of money stolen from me. Chime has done nothing but reviewed it, reviewed the documentation that was provided and denied it with no error occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
I am submitting my formal attempt to address persistent inaccuracies on my credit report, some of which appear to be the result of identity theft. Although I have previously disputed these matters multiple times, the accounts in question remain reported with errors, unverifiable details, or have not been properly corrected. As such, I am compelled to escalate this matter further and submit this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I respectfully demand a thorough, good-faith reinvestigation including a complete review of any items attributable to identity theft to ensure full compliance with federal reporting requirements and the correction or removal of all inaccurate entries. 
The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$260.00} ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$180.00}

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 2025-09-08 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: LA

Complaint narrative:
I am filing this complaint as a follow-up dispute against XXXX XXXX XXXX XXXX Equifax Information Services for their continued inaccurate and unlawful reporting on my credit profile. 


The Violation The account in question is a repossession/closed auto loan with XXXX XXXX XXXX XXXX 
Despite being repossessed and closed in XXXX, all three credit bureaus ( Equifax, XXXX, and XXXX ) are reporting an Amount Past Due of {$15000.00}. 
This is inaccurate and misleading for the following reasons : 1. Once an account is repossessed and closed, there are no further scheduled monthly payments due.

2. If a balance remains ( deficiency after auction ), it can only be reported as a current balance owed not as a past due amount.

3. By listing the deficiency as past due, XXXX XXXX and the bureaus are misrepresenting the debt as if I am still delinquent on monthly payments, which is false and damaging. 


FCRA & Metro 2 Violations Metro 2 Credit Reporting Standards : Require the Past Due field to be {$0.00} on closed/charged-off/repossession accounts.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report inaccurate or misleading information.

FCRA 607 ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. 
FCRA 611 ( a ) : I have the right to dispute and have inaccurate information corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-09-08 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 submitting my formal attempt to address persistent inaccuracies on my credit report, some of which appear to be the result of identity theft. Although I have previously disputed these matters multiple times, the accounts in question remain reported with errors, unverifiable details, or have not been properly corrected. As such, I am compelled to escalate this matter further and submit this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I respectfully demand a thorough, good-faith reinvestigation including a complete review of any items attributable to identity theft to ensure full compliance with federal reporting requirements and the correction or removal of all inaccurate entries. 
The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$260.00} ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation