vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-27 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: AZ

Complaint narrative:
Please treat this letter as my formal dispute of the accounts noted. I did not approve or open them and have no connection to them. I request their deletion and an appropriate investigation. Documentation is included.

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 2025-11-27 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: NV

Complaint narrative:
I am requesting a thorough review of the information reported by TransUnion, as there are discrepancies with the charged-off accounts listed and no inquiries provided. The bankruptcy should also be investigated and corrected immediately. This erroneous information is damaging to my credit report. 

Charged Off : XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} Bankruptcy, Account No : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-11-27 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: NY

Complaint narrative:
I am requesting a correction of personal identifying information on my Experian credit file. Some addresses listed are outdated and no longer connected to me. 
Please REMOVE the following : Incorrect / Old Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( if listed as a previous address ) Correct & Only Current Address ( KEEP ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2025-11-27 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: OH

Complaint narrative:
XX/XX/XXXX {$1000.00} moved out by pay anyone XX/XX/XXXX. {$1300.00} moved out by pay anyone XX/XX/XXXX. {$800.00} moved out by pay anyone XX/XX/XXXX. {$460.00} moved out by pay anyone XX/XX/XXXX. {$750.00} moved out by transfer to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of certain accounts on my credit report. The following items are currently under dispute and require your immediate attention. I believe these accounts may be inaccurately reported, and I request that they be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Dispute Reason : Please verify the details of this account as the reported balance and other details seem inaccurate. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Please verify the account status, as this may not reflect accurate 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 2025-11-27 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: CA

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

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 2025-11-27 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 associated with these accounts and require their removal within 15 days as per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XXXX  XX/XX/year>, I was on XXXX talking to a client who needed my email for confirming my payout since I had not verified my payout method. So I provided my email and received an email to proceed to confirm THEIR order, I clicked it and it asked my card information for my pay out, for the work I was promising to do. When i did put my card in a {$280.00} charge was added to my account for cryptocurrency that I never authorized. When i reached out to chime they immediately denied, now I provide new documents proving im correct and that I didnt make the charge. Yet, knowing XXXX well I didnt make the charge, if it was {$20.00} I wouldnt give a XXXX, since its almost {$300.00}, I need that money. Please help me out here, Chime does not want to pay me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Complaint Regarding Poor Service From synchrony bank Dear CFPP, I am writing to file a formal complaint against XXXX bank regarding poor service that I have experience. Specifically, may try to reach out to fix an issue on my credit report that has affected me tremendously and I have gotten zero responses and they have even blacklisted my bank. I cant easily make payments on my Venmo card. I have to use a friend bank account just so I could be able to make payments on this card. I also had an account with them through PayPal that Ive been trying to reach them on trying to settle and they have even gone as far to try to sue me instead of trying to fix this and again I have tried reaching out to fix this formally, and I have got no response. I would like to remove from my car report due to the lack of not trying to work anything out with me or even trying to reach out again. 

Over the past few years, I have tried repeatedly to contact synchrony Bank and the credit bureau to address these issues and a matter still remains unsolved and continues to negatively impact my credit report and financial well-being. I kindly request that the CFPB assist, mediating this matter to help ensure that my concerns are addressed, and that my credit report is fixed and this is removed Thank you for your attention to this matter Sincerely, 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 explanation
Consumer complaint received 2025-11-27 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX-XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-11-27 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 am disputing several charged-off accounts and inquiries listed on my Experian credit report. The information provided does not reflect my true credit history. I request that Experian conduct a thorough investigation and make the necessary corrections or removals if any of these items can not be verified. 

Charged Off : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX, Account No : XXXXXXXX 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 explanation
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to request a thorough review of the following disputed accounts on my credit report. I respectfully ask that each item be investigated for accuracy, as they may not be reported correctly. If any information can not be verified, I request that it be removed in compliance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts : Charged Off : Account Name : DEPTED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} Account Name : DEPTED/XXXXI Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Account Name : DEPTED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Late Payment : Account Name : XXXX Account Number : 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 2025-11-27 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:
I am writing to formally dispute several accounts reported on my Equifax credit report. These accounts are inaccurate and have not been properly reported. I request that these be immediately investigated, and the necessary corrections made to comply with the Fair Credit Reporting Act ( FCRA ). I demand a full investigation of these accounts, as they contain discrepancies that must be resolved. 

Disputed Accounts : XXXX XXXX & Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Inquiries : XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX Late Payments : XXXX - Account Number XXXX XXXX XXXX XXXX  XXXX - Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
Dear Sir/Madam, I am submitting the following information for your review and assistance with the dispute of certain accounts on my credit report. These items are listed by bureau, as follows : CHARGED OFF ACCOUNTS XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} INQUIRIES XXXX  Date : XX/XX/XXXX LATE PAYMENTS DPT EDXXXX Account Number : XXXX XXXX  Account Number : 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 2025-11-27 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: AL

Complaint narrative:
I am requesting an investigation into the accuracy and completeness of the information being reported on my credit file. The following accounts contain discrepancies, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ), including potential data breaches and inaccurate reporting of account statuses and payment histories. 
Disputed Accounts : 1. XXXX XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Original Creditor : XXXX XXXX XXXX XXXX : {$7600.00} Account Status : Closed Date Opened : XXXX Violation ( s ) : Failure to Report Payment History Correctly : The account is reported as having late payments, but my records indicate timely payments. This is a violation under FCRA Section 1681c.

Charge-Off Reporting : This account was reported as charged off, even though proper notification was not received. This may violate the FCRA notification requirements.

2. XXXX XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance : {$1100.00} Account Status : Open, Collection Date Opened : XXXX Violation ( s ) : Possible Data Breach : Due to discrepancies, I believe my personal information might have been compromised. I request verification of whether this account has been exposed to any data breaches under FCRA Section 605B.

Inaccurate Payment Reporting : The late payments on this account do not reflect my actual payment history. This may violate FCRA Section 1681i.

Request for Action : 1. Please conduct an investigation into the accuracy of the reported account statuses and payment histories under FCRA Section 1681i.

2. I request that you investigate any possible data breach associated with these accounts under FCRA Section 605B.

3. Please remove any inaccurate late payment or charge-off status for the 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 explanation
Consumer complaint received 2025-11-27 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:
I am submitting a dispute regarding the following accounts on my credit report. I believe the information is inaccurate or unverifiable and request that each of the credit bureaus investigate and correct these discrepancies according to the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts : Disputed Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am requesting that ChexSystems, XXXX, XXXX, and all other secondary consumer-reporting agencies place a security freeze on my consumer file. 
These companies have continued to share and distribute my personal and credit-related data without my authorization, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) to restrict access to my information. 

I am asking the CFPB to assist in ensuring each agency places the freeze promptly and provides written confirmation.

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 2025-11-27 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX XXXX and XXXX XXXX XXXX do not have my written instructions to furnish my private information to Experian. I have never signed a contract with these companies authorizing them to publish my nonpublic personal information.

Under 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a report in accordance with the written instructions of the consumer. I am the consumer, XXXX XXXX XXXX, and I have never provided such instructions to these debt buyers. 

Furthermore, 15 USC 6802 ( b ) requires that a financial institution must provide a clear opportunity to 'opt out ' of information sharing with non-affiliated third parties. These companies failed to provide me with this required notice or a method to opt out.

I am hereby exercising my right to OPT OUT of all reporting services by these entities. These accounts are a result of privacy violations and must be deleted immediately. 

Accounts to Delete : XXXXXXXX XXXX XXXX  ( Acct : XXXX ) XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX ( Acct : XXXXXXXX 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 explanation