vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
I am submitting this complaint because TransUnion has failed to properly investigate and correct inaccurate information related to my XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX despite multiple dispute submissions and proof of payment. 

On XX/XX/year>, TransUnion closed my case as Closed with non-monetary relief, stating that my documents were unacceptable. However, I provided valid proof showing that the account was Paid in Full, with a zero balance, and should no longer appear as active or with any late payments. 

TransUnions failure to update or delete this inaccurate information violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) requiring a reasonable reinvestigation and deletion of unverifiable or inaccurate information within 30 days. 

15 U.S.C. 1681e ( b ) requiring credit reporting agencies to maintain maximum possible accuracy. 

I have submitted all necessary supporting documents, including proof of full payment, but the company continues to report this account incorrectly and has not provided any documentation or verification from the furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to justify their reporting. 

This ongoing inaccuracy has negatively affected my credit profile and financial opportunities. I am requesting that TransUnion immediately correct or delete the XXXX XXXX. Account # : XXXXXXXX XXXX XXXX XXXX XXXX to reflect its true status Paid in Full / Closed/ {$0.00} balance and provide written verification of these corrections.

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 2025-10-07 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: GA

Complaint narrative:
I have contacted TransUnion about the account below that is being reported on my credit report. 

XXXX. XXXX XXXX I sent them a letter in the mail on XX/XX/year> to have this inaccurate and unverified account removed from my credit report. TransUnion HAS NOT RESPONDED to the dispute. It has taken more than 30 days to respond to the dispute.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against CITICARDS CBNA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported.

Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C.

1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. CITICARDS CBNA XXXX & CITICARDS CBNA 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 2025-10-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting to formally dispute inaccurate and inconsistent information being reported on my credit file concerning XXXX XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reviewing my report, I found multiple discrepancies between your records and the other major credit bureaus that do not accurately reflect my payment history or account details. 
XXXX XXXX XXXX XXXXXXXX Balance {$11000.00} These inconsistencies misrepresent my payment history and unfairly harm my credit profile. I have maintained regular and timely payments with this creditor, and such errors are unacceptable. Therefore, I am requesting a full reinvestigation and immediate correction of any inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
PayPal 's credit service with Synchrony Bank, which bait consumers with a promotional offer, stating 0 % interest on a purchase for either 6 months, 12 months, or up to 24 months. Here 's the fraudulent aspect of this extremely, shady promotion. 

When making multiple " Promotional Offer '' purchases, PayPal abide by a " First In, First Out '' ( FIFO ) type of method. What that means is, if say you have 3 purchases, then Purchase 1 was for 12 months, purchase 2 and 3 were for 6 months. ANY payments made to your account will ONLY go towards purchase 1. If you're making the typical payments as you should to pay it off gradually over 12 months, you'll soon find yourself in a very awkward position ( assuming you see it ). Either pay off purchase 2 and 3 completely in cash by month 6, or, get hit with accumulated interest costs which they won't tell you about. 

Interest is being accumulated as mentioned above. It's 0 % assuming you pay off that specific charge within the timeframe. However, if you don't or you're caught in the shady trap mentioned in # XXXX, you'll be instead hit with the full accumulated interest over the last 6, 12, or 24 months .. Generally at 30 % APR which is massive and usually a big interest cost. This is why I've been caught in a web of deception which ruined my credit score and placed me in debt They're not upfront about # XXXX. IF you follow the typical method of making the recommended payment it WILL guide you into massive interest costs. This may not be the case if you've made only XXXX purchase. It's the case primarily in multiple promotional offers stacked. 

At least in my personal experience, they've recently made some changes to their platform where I was completely unable to see any of the purchases I was being charged for via promotional offers. PayPal and Synchrony Bank needs to be fully investigated for fraud against their customers

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC Report 3 times on my credit report Date : XXXX XXXX Collection amount : {$820.00} Collection amount : {$430.00} Collection amount : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-07 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
On XX/XX/XXXX, I was contacted by a debt collector regarding a balance of ~ {$1500.00} due to XXXX ( the company I was a prior tenant to ), that was unpaid. I was never made aware of the balance prior to the company releasing my social security number to a debt collector. XXXX  XXXX also lied over the phone and claimed that they emailed me, but no email was sent or received. I even received an email on XX/XX/XXXX saying that the balance was closed. On XX/XX/XXXX XXXX revised the balance down to {$270.00} and even mailed me my security deposit back. While we are still disputing the debt, I was intimidated into paying the " undisputed '' amount by a debt collector, or else they would impact my credit immediately. I paid and figured I would dispute the rest with XXXX, and I would no longer be receiving calls from the debt collector as I have in writing that they XXXX. Are mailing me a check {$1100.00}, and XXXX, That I have, in writing that at most the disputed amount was already paid for. Unfortunately, on XX/XX/XXXX. I received a call saying that if I do not pay the balance of {$1300.00} I would receive a mark on my credit. I paid this balance under protest, and reached out to XXXX immediately via email, to which I was berated by member of the leasing office XXXX XXXX, saying " Why did you pay when we are sending you a check of your deposit? '' To which I responded " Because they said it would impact my credit after today as there was no communication from the XXXX team. I still had a balance previously mentioned. '' And " Im sorry XXXX Im incredibly frustrated by this situation. Why am I still receiving calls from debt collectors? Why has no one reached out? '' She responded unprofessionally with " Seriously XXXX you are not paying attention or even listening to when I spoke to you last week telling you that you were getting a deposit back, I told you the amount and even asked for your address and again that was LAST WEEK! 

we can not refund what you paid the debt collectors. 
You should've called us like your brother has but you did not. 

Im sorry theres nothing we can do moving forward. '' I have since disputed the charge with XXXX XXXXXXXX XXXX, but I am worried the debt collectors are going to impact my credit for a debt that is illegitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Correction and Deletion of Inaccurate Personal Information Re : FCRA 611 Consumers Right to Accurate and Verifiable Information Dear Credit Bureau Representatives, I am writing to formally dispute and request deletion of the inaccurate personal identifying information currently being reported in my credit file. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported. The following information appearing on my credit report is incorrect and must be removed immediately. 
Equifax Incorrect Information : XXXX. Previous Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX. Previous Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Request : Please delete the above addresses from my credit file as they are inaccurate and not associated with me. 
Experian Incorrect Information : XXXX. Also Known As : XXXX XXXX Request : Please remove the incorrect alias listed above, as it is not my legal or verified name. 
TransUnion Incorrect Information : XXXX. Also Known As : XXXX XXXX XXXX. Also Known As : XXXX XXXX XXXX. Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Request : Please delete the incorrect aliases and address listed above from my credit file. These do not belong to me and must be removed under FCRA 611 and 607 ( b ). 
Correct Information to Remain on File Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Florida XXXX Please conduct a thorough reinvestigation and provide written confirmation once these inaccurate records have been deleted from my file. Failure to correct this information within the required timeframe constitutes a violation of the Fair Credit Reporting Act, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) if necessary.

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 2025-10-07 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.
State: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: Source Receivables Management LLC
State: NC

Complaint narrative:
I am further filing this complaint because a XXXX collection account has been illegally reinserted on my credit report after it was previously deleted by a different third-party collection agency. This account continues to be passed from one collection company to another, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This account is not mine. I have never authorized or opened any XXXX account. My only mobile carrier has been XXXX XXXX. XXXX suffered multiple data breaches, and I was notified by XXXX  on several occasions ( over nine times ) that my personal informationincluding my Social Security number and phone numberwas leaked on the dark web as part of a XXXX breach. 
This account was already investigated, found inaccurate, and deleted. Re-reporting it violates the Fair Credit Reporting Act ( FCRA 611 and 623 ) and the Fair Debt Collection Practices Act ( FDCPA ). This account must be permanently removed, and XXXX and any affiliated agencies must stop transferring or re-aging it. 
Because of that breach, it appears my personal information has been used fraudulently to open accounts in my name. I have already disputed and proven this account was fraudulent, and it was previously deleted from my credit file. Allowing a new collection agency to re-report or re-age this same false account is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611 ( a ) ( 5 ) ( B ), which prohibit re-reporting of previously deleted or unverifiable accounts without full reinvestigation and certification of accuracy. 

I am requesting that this account be permanently deleted from all credit reports and that XXXX and all affiliated collection agencies cease further reporting, collection, or transfer of this account. Continuing to circulate this fraudulent debt constitutes continued harassment and an attempt to collect on an account that has been proven false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: VA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: VA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding US BANK HOME MORTGAGEs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with Experian and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. US BANK HOME MORTGAGE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

US BANK HOME MORTGAGE 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