vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 3. Right to Privacy Section 602 ( A ) of the FCRA The FCR
A, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of infor
mation without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
Two security systems were opened under my name at two separate addresses that I never lived in. I asked for documentation to review the paperwork to see if MY signature is on it. I was given one form and it was NOT my signature. The dates this was opened was back in XXXX and I was just recently made aware of this outstanding debt of XXXX plus dollars in XX/XX/year>. Each security systems has a debt of XXXX + dollars.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint against The XXXX XXXX, XXXX. and Chime regarding a full account takeover and the wrongful denial of my Regulation E fraud claim. 

My Chime account ( account ending in XXXX ) was taken over on XX/XX/year> around XXXX A.M. A fraudster changed all my login information, blocked me from accessing my own account, changed the name on my account to XXXX XXXX XXXX linked their own bank account ending in XXXX, and completed 13 unauthorized Pay Friends transfers totaling {$300.00}. 

When I tried to secure my account that morning, I discovered : My email did not work My passcode did not work My last four digits did not work I was locked out completely The fraudster had full control of my account I immediately contacted Chime and was on the phone for XXXX minutes, but : My access was never restored Fraudulent information was never removed No investigation was escalated No security steps were taken I remain locked out to this day Chime issued two contradictory decision letters : 1. Claim XXXX {$77.00} APPROVED This was not fraud and was not money taken from me. 
Chime refunded this claim immediately. 

2. Claim XXXX {$300.00} DENIED This is the actual fraud : 13 unauthorized transfers during a complete account takeover. 
Chime denied this claim and stated no error occurred, which is false. 

These actions violate Regulation E, which requires proper investigation, error resolution, and provisional credit for unauthorized electronic fund transfers. 

I am requesting that XXXX  XXXX XXXX  : Reopen Claim XXXX as a full account takeover Issue provisional credit of {$300.00} immediately Remove all fraudulent information from my account Issue me a new secure replacement debit card in my name only so I can access my refund Then permanently close the compromised account once I receive my refund My correct contact information is : XXXX XXXX Email : XXXX Phone : XXXX I do not authorize Chime customer service to contact me because they failed to secure my account and refused to assist. Only XXXX  XXXX XXXX  is authorized to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TN

Complaint narrative:
I discovered multiple inaccuracies on my credit report, including accounts, addresses, names, and inquiries that I did not authorize, apply for, or recognize. These items are the direct result of inaccurate reporting and/or identity theft. I have never lived at the listed addresses, never used any other name besides my legal name XXXX XXXX, and never opened or signed for the accounts or inquiries being reported. The presence of these items has caused significant harm to my credit, reputation, and financial opportunities. I am requesting the immediate deletion of all inaccurate, fraudulent, or unverifiable information, as these errors violate the Fair Credit Reporting Act ( FCRA ) and demonstrate a failure to maintain maximum accuracy in my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN CFPB COMPLAINT HARD INQUIRY REMOVAL I am requesting the removal of several hard inquiries on my Experian report that were submitted by auto dealerships without my clear authorization. I attempted to apply with XXXX lender, but the dealership transmitted my information to multiple lenders ( shotgun application ) without my consent. 

The inquiries were not individually authorized and therefore do not meet the permissible purpose requirement under the Fair Credit Reporting Act ( FCRA ). 

These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I attempted to resolve this directly with Experian, but they did not remove the inquiries. I respectfully request CFPB assistance to have Experian complete a permissible purpose review and remove unauthorized inquiries

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 2025-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
FCRA 623 ( a ) ( 5 ) Illegal to update dates to re-age the account.

FCRA 623 ( a ) ( 1 ) ( A ) Unverifiable or inaccurate late payment information can not be reported.

FCRA 607 ( b ) must delete incomplete or inaccurate data.

FCRA 611 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
FCRA 623 ( a ) ( 5 ) Illegal to update dates to re-age the account.

FCRA 623 ( a ) ( 1 ) ( A ) Unverifiable or inaccurate late payment information can not be reported.

FCRA 607 ( b ) must delete incomplete or inaccurate data.

FCRA 611 ( a ) ( 5 )

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 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Marine One Acceptance Corporation
State: FL

Complaint narrative:
I am writing to formally state that I purchased a new RV at XXXX XXXX located in XXXX XXXX, Florida. At the time of the purchase, the salesperson did not inform me that the financing provided was a personal loan with daily interest charges. I understood that I was receiving a standard RV loan specifically for the purchase of the vehicle.Due to this lack of disclosure, I have attempted to refinance the loan with several financial institutions. However, every attempt has been denied because the loan appears on my credit report as a personal loan rather than an RV or vehicle loan. This incorrect classification prevents me from obtaining refinancing and has placed me in an unfair financial situation that was never explained during the sales process. 

I respectfully request that this matter be reviewed and corrected, as the information provided at the time of purchase was neither transparent nor accurate. Any assistance or guidance in correcting the loan classification would be greatly appreciated. MARINE ONE ( TEXAS ) Thank you in advance for your attention to this matter. I remain available to provide any additional documentation if needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This that is not accurate and they keep posting on my credit like its just happened, which is not correct and illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: Scott Fetzer Financial Group Inc.
State: SC

Complaint narrative:
Subject : Request for Verification and Investigation United Consumer Fin Service account Account Dear XXXX XXXX, I am writing regarding an account that appears on my credit report. I am requesting verification and additional information on this account with United Consumer Fin Service. Acount XXXX the Fair Credit Reporting Act ( FCRA ), I am entitled to the accuracy and completeness of all information reported. Therefore, I request that you provide the following details regarding this account : The Date of First Delinquency ( DOFD ) associated with this account. The Date of Last Payment reported on this account. The Date of Last Charge-Off, if applicable. If this information can not be verified with the furnisher, I request that the account be corrected or removed from my credit file in accordance with the FCRA. Please conduct an investigation into this matter and provide me with the results in writing. Thank you for your timely attention to this reques

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insur
ance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX 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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to access my credit report and credit score through Experian for a long time, and I am unable to view any of my information. I contacted Experian numerous times, with my most recent attempt on Thursday, XX/XX/XXXX, but the issue remains unresolved. 

Every time I try to access my report through the Experian app or website, I receive the following message : Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. 

The Experian representative I spoke with could not explain what this message means or what personal information is supposedly different. She told me to call all my lenders, but she could not tell me what I was expected to say or what information needed to be checked. This advice makes no sense because I do not know which lender is involved or what information Experian believes is incorrect. 

As a result, I can not monitor my credit, access my credit score, or verify the accuracy of my report. This situation is extremely frustrating and stressful because Experian has not provided any clear guidance, solution, or explanation. I feel helpless, as I have done everything I can on my side, and the problem continues. I simply want access to my own credit information and for Experian to fix whatever issue is preventing my report from being displayed.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : 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 2025-11-16 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: MA

Complaint narrative:
I found two unauthorized hard inquiries on my Equifax credit report from XXXX XXXX dated XX/XX/2024 and XX/XX/2024. I did not apply for credit with XXXX XXXX on these dates, and I did not authorize these companies to access my credit report. 

I disputed both inquiries directly with Equifax and requested : ( 1 ) My signed authorization, ( 2 ) Documentation showing permissible purpose under FCRA 604 ( a ) ( 3 ), and ( 3 ) Proof of who initiated these inquiries. 

Equifax closed my dispute without providing any of the required documentation. They failed to verify the inquiries, failed to provide permissible purpose, and failed to provide my written authorization all of which are required under the Fair Credit Reporting Act. 

Under FCRA 604, no hard inquiry can remain on my credit report unless the furnisher provides written proof of authorization. Since Equifax could not verify these inquiries with proper documentation, I am requesting that CFPB require Equifax to : ( 1 ) Reopen the investigation, and ( 2 ) Remove both unauthorized inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: National Credit Adjusters, LLC
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ( NATIONAL CREDIT ADJUSTERS , L.L.C ) Account XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I discovered multiple inaccuracies on my credit report, including accounts, addresses, names, and inquiries that I did not authorize, apply for, or recognize. These items are the direct result of inaccurate reporting and/or identity theft. I have never lived at the listed addresses, never used any other name besides my legal name XXXX XXXX, and never opened or signed for the accounts or inquiries being reported. The presence of these items has caused significant harm to my credit, reputation, and financial opportunities. I am requesting the immediate deletion of all inaccurate, fraudulent, or unverifiable information, as these errors violate the Fair Credit Reporting Act ( FCRA ) and demonstrate a failure to maintain maximum accuracy in my consumer file.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute an inaccurate charge that has been reported by summit credit union/opensky.. According to my records, this charge is incorrect and does not accurately reflect my account history or the transactions I authorized.Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that this inaccurate information be investigated and corrected or removed from my record. Please provide written confirmation of your receipt of this dispute and the outcome of your investigation once completed. Thank you for your prompt attention to this matter. I look forward to a resolution within the time frame established by law.

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