vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent two separate transactions from my chime account to a newly opened XXXX  account. This happened at XXXX XXXX. I have spoken to multiple associates to the customer service line. Either I have had no success in being able to successfully convey my issue or the representatives on the line are failing to register my issues. I have been told that the funds are still possibly being processed by one bank and that they have been processed by another bank that I am waiting for the money to return to also seems to not have an English based company or any employees that can properly use the identifying numbers I gave to find my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-01 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 


Account name : XXXX  XXXX Account number : XXXX Account name : 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 non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have previously disputed Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-01 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: CL Holdings LLC
State: CA

Complaint narrative:
This complaint reflects auto finance servicing issues previously identified by the CFPB in Supervisory Highlights : XXXX XXXX XXXX XXXX ( Issue XXXX, Fall XXXX ). The Bureau found repeated violations involving wrongful repossessions, inaccurate credit reporting, and insufficient notice and communication from lenders. My experience with XXXX XXXX matches these patterns and warrants further investigation. 

Reference : CFPB Supervisory Highlights Issue XXXX I previously submitted CFPB complaints with XXXX XXXX and XXXX to dispute OneMain Financials handling of my account. Their response dated XX/XX/XXXX did not address core concerns or resolve inaccuracies. 

On XX/XX/XXXX XXXX mailed a notice of default and intent to repossess. The repossession occurred on XX/XX/XXXX, only XXXX  days later, which did not provide a reasonable cure window as required under XXXX  XXXX XXXX section XXXX and XXXX section XXXX. No documented outreach occurred prior to repossession, despite their claim of contact attempts. 

My vehicle was sold at auction for XXXX dollars. XXXX did not provide proof that this sale met commercial reasonableness standards under XXXX section XXXX. They then assessed a deficiency balance of XXXX dollars and XXXX cents which I dispute. 

Before the account was sold, I was actively communicating and even received a formal settlement offer. Despite this, XXXX reported a charge-off and eventually sold the debt to Jefferson Capital Systems XXXX XX/XX/XXXX. Their investigation did not justify the credit reporting timeline or correct misleading tradelines. I also requested detailed documentation about the sale, credit reporting, hardship outreach, and deficiency notice, but they did not fully answer these requests. 

I am asking the CFPB to investigate the repossession process, credit reporting accuracy, and sale of collateral. I request correction or deletion of inaccurate tradelines and confirmation of legal compliance in all aspects of account handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
This complaint reflects auto finance servicing issues previously identified by the CFPB in Supervisory Highlights : XXXX XXXX XXXX XXXX ( Issue XXXX, Fall XXXX ). The Bureau found repeated violations involving wrongful repossessions, inaccurate credit reporting, and insufficient notice and communication from lenders. My experience with XXXX XXXX matches these patterns and warrants further investigation. 

Reference : CFPB Supervisory Highlights Issue XXXX I previously submitted CFPB complaints with XXXX XXXX and XXXX to dispute OneMain Financials handling of my account. Their response dated XX/XX/XXXX did not address core concerns or resolve inaccuracies. 

On XX/XX/XXXX XXXX mailed a notice of default and intent to repossess. The repossession occurred on XX/XX/XXXX, only XXXX days later, which did not provide a reasonable cure window as required under XXXX  XXXX XXXX section XXXX and XXXX section XXXX. No documented outreach occurred prior to repossession, despite their claim of contact attempts. 

My vehicle was sold at auction for XXXX dollars. XXXX did not provide proof that this sale met commercial reasonableness standards under XXXX section XXXX. They then assessed a deficiency balance of XXXX dollars and XXXX cents which I dispute. 

Before the account was sold, I was actively communicating and even received a formal settlement offer. Despite this, XXXX reported a charge-off and eventually sold the debt to XXXX XXXX XXXX XXXX XX/XX/XXXX. Their investigation did not justify the credit reporting timeline or correct misleading tradelines. I also requested detailed documentation about the sale, credit reporting, hardship outreach, and deficiency notice, but they did not fully answer these requests. 

I am asking the CFPB to investigate the repossession process, credit reporting accuracy, and sale of collateral. I request correction or deletion of inaccurate tradelines and confirmation of legal compliance in all aspects of account handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Everything on FTC and PDF is fraud Remove immediately! 15 USC 1681c-2 I did not authorize. Block Remove immediately!

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 2025-08-01 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: TX

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
I am writing to formally dispute the reporting of an account on my Equifax, TransUnion, Experian credit report. The account in question is with XXXX XXXX XXXX XXXX account ending in XXXX. While I acknowledge that the account belongs to me, I believe it is being reported inaccurately and request a full investigation under the Fair Credit Reporting Act ( FCRA ). 
Here are the details of the disputed account XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( last XXXX ) XXXX XXXX XXXX  Reported Status XXXX  Charge-Off I believe the information being reported XXXX be incomplete, outdated, or incorrect, specifically regarding XXXX XXXX  The balance - Payment history - Date of first delinquency - Charge-off status I am requesting that you verify this account with the original creditor. If the creditor can not verify the accuracy of this information within XXXX  days, the item should be corrected or removed from my credit report as required by FCRA 611. 
Attached are copies of my ID and proof of address, along with a copy of the relevant portion of my credit report with the account highlighted. 
Please complete your investigation and notify me of the results in writing. 
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 2025-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of an account on my Equifax, TransUnion, Experian credit report. The account in question is with XXXX XXXX XXXX XXXX account ending in XXXX. While I acknowledge that the account belongs to me, I believe it is being reported inaccurately and request a full investigation under the Fair Credit Reporting Act ( FCRA ). 
Here are the details of the disputed account XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( last XXXX ) XXXX XXXX XXXX  Reported Status XXXX  Charge-Off I believe the information being reported XXXX be incomplete, outdated, or incorrect, specifically regarding XXXX XXXX  The balance - Payment history - Date of first delinquency - Charge-off status I am requesting that you verify this account with the original creditor. If the creditor can not verify the accuracy of this information within XXXX  days, the item should be corrected or removed from my credit report as required by FCRA 611. 
Attached are copies of my ID and proof of address, along with a copy of the relevant portion of my credit report with the account highlighted. 
Please complete your investigation and notify me of the results in writing. 
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 2025-08-01 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: Home Loan Center, Inc.
State: OH

Complaint narrative:
I provided information for a pre-qualification on LendingTree 's website to see loan offers. I then selected one specific offer for a company and provided my social security number only at that point to have my credit run to be approved for that one loan. They shared my credit with other agencies without my knowledge and now I am getting offers, and even worse, denials from other companies that are seeing my credit. I did not approve a " shop '' of my credit. I inputted my social security number only after I selected a specific offer from one specific company. How can it be legal that they shop me like this? I can't even access my information now because I keep requesting a password or a " login without password '' and they won't send me anything. There is no opt-out without this. I emailed them as well. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I used my Chime debit card to purchase a product on XX/XX/year>, but I never received it. I contacted the merchant and they told me to request a refund from my bank. I filed a dispute with Chime that same day. Chime told me this issue doesnt fall under Regulation E because I authorized the charge, even though I never received what I paid for. Now its past the XXXX business day and theyve still refused to issue a provisional credit or complete a proper investigation. Theyre denying me the protections Im supposed to have under the Electronic Fund Transfer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XXXXXX/XX/year>, Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX1e ( 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 2025-08-01 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:
XXXX XXXX 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 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