vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to 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 2025-07-28 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: MO

Complaint narrative:
Information was invoked in XXXX  data breach and identity was stolen. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all inquires in the past 2 years

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 2025-07-28 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-28 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: IA

Complaint narrative:
Applications were made in my name without my knowledge or authorization. I do not recognize these fraudulent inquiries, nor did I give permission for these companies to access my credit report. As a result, my credit has been negatively impacted. 

I previously contacted the credit bureau, and a representative assured me that these inquiries would be removed. However, they still appear on my report, causing ongoing and unnecessary stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have previously disputed Experian, Equifax and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 non-monetary relief
Consumer complaint received 2025-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX drone on XXXX for {$920.00}. The seller, whose XXXX username is XXXX, is running a scam operation as evident by numerous feedback reports on his profile from buyers stating they never received their items. 

The tracking number provided ( XXXX ) is not a XXXX number. It belongs to a third-party XXXX shipping company that does not handle delivery in the United States XXXX It is common in such scams to show a fake delivery using a freight forwarder and never hand the package to XXXX. As of XX/XX/XXXX, I physically visited the XXXX XXXX XXXX XXXX XXXXXXXX to confirm that no package was delivered under my name, and I received verbal confirmation from them. 

I first contacted XXXX on XX/XX/XXXX and again on XX/XX/XXXX. They acknowledged that the seller failed to provide a valid XXXX tracking number and stated that I would have received a refund under their Money Back Guarantee. However, because I had already opened a dispute with my financial institution, they told me the guarantee was now void.

My bank ( or card issuer ) ultimately denied the dispute, leaving me without the item or a refund. I am now stuck between two institutions, each refusing to resolve the issue. This is clearly a case of merchant fraud, and I am requesting a second review of the chargeback by the bank or card issuer. 

Details : Purchase amount : {$920.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Item never received, and XXXX has confirmed no delivery Seller has not responded to any of my messages Im seeking a full refund for the undelivered merchandise and would appreciate your assistance in resolving this matter. 

Purchased on XXXX and disputed charges with Capital One. 

Case number : XXXX Reference number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
My car was totaled in XXXX of this year, my auto insurance gave my dealership a XXXX but I also have GAP insurance referred by XXXX Mazda but from Mazda Financial. I filed a claim back in XXXX and thought everything went through, but a couple of days ago they sent my account to collections and added a charge off to my credit and made mXXXX XXXX XXXXcore fell XXXX points and XXXX  XXXX. I've been trying to call the company since last week and each attempt was unsuccessful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX SSN : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  TX XXXX & Equifax XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX : URGENT CREDIT REPORT DISPUTE INCORRECT BALANCE ON CANCELED DEBT ( XXXX XXXX  ACCOUNT # * XXXX ) To Whom It May Concern, I am writing to formally dispute the reporting of an account from * * XXXX XXXX ( Account # ending in * XXXX ) on my credit file. This account is still being reported with a full balance of {$1300.00}, despite the fact that XXXX issued a Form 1099-C indicating that the debt was canceled and reported to the IRS as forgiven.

I have previously disputed this item multiple times. XXXX  has already corrected this entry and is now reporting a {$0.00} balance. However, your bureau continues to reflect an outstanding balance and charge-off, which is inaccurate and misleading. 
Enclosed are the following : 1. A copy of the 1099-C issued by XXXX XXXX XXXX 
2. A copy of my XXXX  credit report showing a {$0.00} balance on this account. 
3. A copy of my government-issued ID and proof of address.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of disputes. Continued reporting of a canceled debt after receiving IRS confirmation constitutes inaccurate and outdated reporting.

I am formally requesting : The account balance be updated to {$0.00}, The status be changed to " Paid in Full, Settled, or Canceled '', Or, if you can not verify the debt as legally owed, the account should be removed entirely.

Please complete this reinvestigation within the required 30-day timeframe and send written confirmation of your findings to the address above. If this is not resolved appropriately, I have decided to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal assistance for violations of the FCRA.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1099-C, XXXX Report, ID, Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MS

Complaint narrative:
I'm writing to formally dispute several outdated hard inquiries listed on my credit report. Under the Fair Credit Reporting Act, hard inquiries should not remain on a consumer credit file for more than 2 years from the date of inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I was the victim of an unauthorized transfer scam involving my Chime account ending in XXXX. On XX/XX/year>, I was manipulated into sending {$300.00} via Chimes Pay Friends feature to an account I believed was associated with someone I knew ( XXXX ). XXXX instructed me to send funds to his friends Chime account, claiming he could not access his own. The transaction was made under false pretenses. 

After realizing I was scammed, I reported the incident to Chime on XX/XX/year> ( Claim ID : XXXX ). Despite providing evidence, including chat screenshots showing the scammer avoiding verification, and a police report ( case number : XXXX, filed with the XXXX XXXX Police Department ), Chime denied my dispute, claiming no error occurred. 

I did not authorize the transaction with informed consent. Under Regulation E, this should be classified as an unauthorized electronic funds transfer. I am requesting that Chime conduct a fair and thorough reinvestigation and provide a refund as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am disputing a collection account placed by TRANSWORLD SYSTEMS INC for an alleged {$1000.00} debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), reported on XXXX. I have never been notified or sent any documentation related to this account, nor do I acknowledge owing this debt. 

This violates 15 U.S.C. 1692g ( FDCPA ), which requires debt collectors to provide verification of the debt. It also violates FCRA 15 U.S.C. 1681i ( a ), which requires that credit reporting agencies investigate and remove unverifiable items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FC

RA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four 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 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is currently reporting a utility collection from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX  XXXX, even though the same debt has already been removed from XXXX. I was never contacted or properly notified by XXXX XXXX about this debt, and Equifax has made no effort to validate it. Ive provided proof to my apartment complex that XXXX  removed it after dispute. Equifax has been unhelpful, uncooperative, and refuses to expedite the process despite the serious impact this is having on my ability to secure housing by the end of the month. 

This inaccurate reporting is actively blocking me from being approved for an apartment, and I am under immediate housing stress due to Equifaxs negligence and refusal to act on disputed or unvalidated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
The credit reporting agencies are maintaining inaccurate and inconsistent consumer information across their databases, demonstrating systematic failures in their data management procedures required by the Fair Credit Reporting Act. Specifically, for XXXX XXXX  accounts # XXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX these agencies continue to report legally discharged debts with IRS 1099-C documentation as active, collectible obligations with balances owed, misleading third parties about my true financial status. Additionally, they report inconsistent delinquency information for the same XXXX  account, with Experian showing " Late 180 Days '' while TransUnion and Equifax show " Late 120 Days, '' proving at least one agency is reporting false information. For XXXX XXXX XXXX  accounts, they report different account opening dates, different dates of last activity, and false late payment histories across their respective systems when I was never late on payments, and this account was also discharged per IRS 1099-C documentation yet continues to be reported as an active obligation. They also continue reporting XXXX as an active debt despite IRS discharge with proper 1099-C documentation, demonstrating their failure to maintain reasonable procedures to assure maximum possible accuracy as required by federal 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
Consumer complaint received 2025-07-28 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus stated that the account name and account number were properly investigated. However, this is inaccurate, as the open date, date of last activity, and date last reported all contain discrepancies. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of the information they report. Any failure to do so violates federal law and justifies immediate removal.

Furthermore, my rights under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) have been violated. This section states that a consumer reporting agency may not furnish a consumer report without the written instruction of the consumer. I have never provided written permission for these accounts to be reported on my credit file.

In addition, under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the consumer reporting agencies are required to conduct a reasonable reinvestigation. Simply verifying account name and number while ignoring the inaccurate dates and other misleading data does not constitute a reasonable investigation and is a direct violation of this provision. 

Also, under 15 U.S.C. 1681g, I have the right to full disclosure of the nature and substance of all information in my file. Any failure to provide this or any inaccurate disclosure is another violation.

Lastly, continuing to report this account without proper verification and authorization violates 15 U.S.C. 1681s-2 ( b ), which places an obligation on the data furnisher to investigate and correct any information found to be inaccurate or incomplete once notified. 

For these reasons due to the inaccuracies, improper investigation, lack of written authorization, and multiple violations of my rights under the Fair Credit Reporting Act I am demanding the immediate removal of this account from my credit file.

Company response to consumer: Closed with non-monetary relief