vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I have disputed the following items and sent paperwork to support the dispute to the relevant credit bureaus as well. 
XXXX. XX/XX/year> {$100.00} Capital One, we made the payment and I have attached our bank statement from XXXX XXXX along with the Capital One Statements. Inspite of making a payment of {$420.00} as against the minimum which was {$100.00} it was still reported negatively to the credit bureaus. Its affected my credit report adversely. I want the information to reflect correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
On XX/XX/year>XXXX  I found a US DEPT ED tradeline on my TransUnion report coded Open Account Educational but also Derogatory with payment status : Unknown. The entry shows {$0.00} balance, {$0.00} past due, $ XXXX monthly payment, High Credit {$3600.00}, Last reported XX/XX/year>, and the remark XXXX  XXXX bankruptcy. 
This is inaccurate/incomplete and internally inconsistent. TransUnion ( and the furnisher ) have provided no documentation that this specific loan was included in any XXXX  XXXX case ( e.g., bankruptcy schedules listing this loan, DOFD, itemized account ledger/charge-off accounting ). The disclosure also omits the Date of First Delinquency ( DOFD ). 
These issues violate the FCRA : 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( reasonable reinvestigation ; delete if unverifiable ), 1681i ( a ) ( 7 ) ( method of verification ), and 1681s-2 ( b ) ( furnisher duty to investigate/correct ).

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 2025-08-16 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: FL

Complaint narrative:
I am a victim of identity theft. Since XX/XX/year>, I have disputed multiple fraudulent accounts and credit inquiries appearing on my Equifax credit report. I submitted proper documentation, including an FTC Identity Theft Report and a police report, on more than four occasions.

Despite this, Equifax has repeatedly denied my disputes and rejected the validity of my FTC reports. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires a credit reporting agency to block information that results from identity theft once a valid FTC report XXXX provided. 

Equifaxs continued refusal to honor its obligations under federal law has caused ongoing harm to my credit profile. I am requesting that the CFPB investigate this matter and require Equifax to : 1. Permanently delete all fraudulent accounts and inquiries from my credit report.

2. Provide written confirmation of compliance with the FCRA.

3. Cease further reporting of fraudulent information related to my identity theft.

Timeline of Events : - XX/XX/year> I first noticed fraudulent inquiries and accounts and began disputing them. 
XXXX XX/XX/year> I have submitted more than XXXX disputes, each time including valid documentation ( FTC report and police report ). 
-Each attempt has been denied by Equifax XXXX justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I file this complaint with the cfpb but I tried to call this company the number is disconnected so I take this to be a scam number on my credit card file said not in business ( XXXX ) XXXX the address dont match the company I research nor the number XXXX XXXX XXXX XXXX XXXX WI XXXX the company I looked up only take XXXX and up this say I own XXXX this site is showing scam I am a fraud victim victim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I only have XXXX first name and XXXX surnames, XXXX job, not several as shown, my only job is XXXX XXXX XXXX XXXX, my recent address is XXXXXXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX, and my former address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX, everything else that comes out in my reports should be deleted, attached copies of my ID, ssn and w2, to verify everything.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I only have XXXX first name and XXXX surnames, XXXX job, not several as shown, my only job is XXXX XXXX XXXX XXXX, my recent address is XXXXXXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX, and my former address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX, everything else that comes out in my reports should be deleted, attached copies of my ID, ssn and w2, to verify everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TN

Complaint narrative:
For the last year I've been dealing with a hacker who's been accessing all of my accounts using my phone and he has stolen alot of money from my chime account. He's cloned my phone and is using my face to login to my accounts than using my money. In the XXXX of XXXX I got email about unauthorized access to my chime account that same day my SSDI check was deposited. My chime card was stolen for my mailbox and not only was there online purchases there was also in person using my debit card that was stolen. I filed my XXXX police report in regards to this but like with all the others noone investigated. I was finally contacted by a fraud detective who said these hackers are to sophisticated for local police to help and cyber victims are treated like it's their fault anyways. All the needer info was in police report but I also sent multiple pictures showing this hacker accessing my account plus other disputes in regards to same issue were approved yet the ones for XXXX are being denied which makes no sense why are the other claims for exact same thing being approved but this one that's a much higher financial amount is being denied and I'm not getting any explanation at all. To I was told by the supervisor once police reports and pictures proving the hackers logged into my chime account the same day my money was stolen plus chine sent email saying unauthorized login to my account there's no reason why this claim should be getting denied. Especially when chine acknowledged my account was hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-08-16 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a thermal monocular from XXXX XXXX XXXX using Affirm. The original order never arrived. I filed a claim with XXXX, which was approved for a replacement on XX/XX/year>. 

To prove non-delivery, I met with an online notary and signed a sworn statement confirming I never received or signed for the package. The merchant never provided valid proof of delivery only a XXXX record where the driver wrote my name in himself. 

Despite the notarized proof and lack of actual delivery evidence, XXXX XXXX XXXX took over a month to ship the replacement. I did not receive the replacement until XX/XX/year>XXXX  more than six weeks after my original purchase and the merchant refused to allow me to return it for a refund. 

Affirm sided with the merchant despite clear evidence that the original item was never delivered, the replacement was unreasonably delayed, and I was denied the right to a return/refund. I request that Affirm remove the charges and close the account balance, or require the merchant to accept a return and issue a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
On XX/XX/XXXX, I disputed an installment loan from XXXX XXXX reported as Collection/Charge-off with a balance of {$1000.00}. The reporting is inaccurate and incomplete and conflicts across bureaus : Date opened : XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( XXXX  ) High credit : {$1000.00} ( TransUnion ) vs {$1000.00} ( XXXX  ) Date last active : XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( Equifax ) Last reported : XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( Equifax ) A XXXX installment loan shows no monthly payment. 
The account is marked charge-off while also listing the entire balance as past due, which is misleading. 
No Date of First Delinquency ( DOFD ) is shown on my consumer disclosure, and I have not received itemized accounting or the signed agreement from the furnisher.

This violates the FCRA : 607 ( b ) / 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) 611 / 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ; delete if unverifiable ) 611 ( a ) ( 7 ) ( method of verification must be provided ) 623 ( b ) / 15 U.S.C. 1681s-2 ( b ) ( furnisher must investigate/correct )

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 2025-08-16 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-16 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: NY

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-16 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:
This is a new dispute based on new evidence regarding the reporting of the XXXX XXXX XXXX XXXX XXXX  tradeline on my TransUnion credit file. On XX/XX/XXXX, TransUnion verified and updated this account to reflect the following : Charge-off, Closed XX/XX/XXXX Balance : {$1200.00} Amount Past Due : {$1200.00} Credit Limit XXXX {$900.00} ( Utilization 136 % ) Remarks : Profit and loss write-off Payment History : continuous Warning entries from XXXX This newly verified reporting is inaccurate and misleading for several reasons : Contradiction Between Charge-off and Balance/Utilization A charged-off and closed account can not legally continue to report as past due with revolving utilization. Once charged off, balances can not remain active in utilization calculations. The current reporting of {$1200.00} past due and 136 % utilization is both contradictory and harmful. 

New Evidence of Balance Inaccuracy TransUnions XX/XX/XXXX update newly verified the balance at {$1200.00}. No documentation has been produced to show how this figure was calculated or whether it lawfully remains collectible post charge-off. This constitutes new evidence of unverifiable reporting that was not part of the prior dispute. 

Payment History Misrepresentation The payment history table shows only Warning across multiple years. This is vague, inaccurate, and fails to comply with XXXX XXXX requirements for monthly status reporting. 

Missing XB Dispute Code Because this account remains in dispute, it must carry the XB dispute compliance code during reinvestigation. The omission of this code in XXXX XX/XX/XXXX reporting is further evidence of noncompliance. 

Accordingly, I request that TransUnion : Immediately delete the XXXX XXXX XXXX XXXX XXXX  tradeline, OR Correct it to properly reflect charge-off with {$0.00} past due, {$0.00} revolving utilization, and {$0.00} balance unless legally verified documentation ( signed contract, full billing records, account-level statements ) is produced. 

This is a new dispute under FCRA 1681i because the XXXX XXXX XXXX update introduced new evidence of inaccuracy. The continued reporting of a charge-off account with a balance, past due amount, and utilization is a material misrepresentation and a violation of FCRA 1681e ( b ), 1681i ( a ) and FDCPA 807 ( 2 ) ( A ).

Failure to correct or delete this tradeline will be treated as willful noncompliance under FCRA 1681n and 1681o.

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