vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime withdrew funds from my account without my permission, claiming it was to cover an old balance from XXXX on Chime. However, that account was fully paid and closed in XX/XX/year>, and I have proof of payment showing a XXXX balance. 

Around four days ago, I noticed multiple small refund transactions from Chime totaling about {$150.00}. I assumed these were legitimate refunds. When I later used the money, Chime took the same amount back without warning or consent. 

I contacted Chime support four times. Each representative acknowledged the issue but hung up before resolving anything. I specifically requested proof of any email or notice about the system update glitch, the date my XXXX account was supposedly reopened, and written documentation showing why these withdrawals occurred. No one could provide it. One representative even admitted they didnt know if they could or how to provide that information. 

My XXXX account still shows as unavailable in the app. I have screenshots and records of the closed account, the unauthorized withdrawals, and all communications. I am happy to provide them upon request. 

I am requesting that Chime refund the money taken without authorization, confirm in writing that my XXXX account remains closed with a {$0.00} balance, and provide documentation explaining all transactions related to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 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 2025-11-04 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent recovery solutions sent me Arbitary charges of my move out on my XXXX 5 years ago!! I ask for validation and all they sent was unfocused pictures of furniture that were supposedly left there and wanting to change me over XXXX to remove them, which I didnt leave!! I left the apartment clean!! They gave me no itemized invoices or even a valid invoice of the charges!! Its all Arbitrarily done!!!

Company response to consumer: Untimely response
Consumer complaint received 2025-11-04 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:
I am submitting this formal complaint regarding multiple creditors and furnishers who are reporting inaccurate, unverifiable, and misleading information on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and are causing significant harm to my creditworthiness. 

Disputed Accounts and Issues : XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX  Charge-off {$17000.00} ; unverified. 

XXXX ( Acct : XXXX ) XXXX XXXX Late payment {$33000.00} ; inaccurate reporting. 

XXXX XXXX ( Acct : XXXX ) XXXX XXXX Charge-off {$790.00} ; unverified. 

XXXX XXXX ( Acct : XXXX ) XXXX XXXX Charge-off {$880.00} ; unverified. 

XXXX  XXXX ( Acct : XXXX ) XXXX XXXX  Late payment {$410.00} and charge-off {$410.00} ; duplicative and inaccurate. 

XXXX ( Acct : XXXX XXXX XXXX XXXX  Charge-off {$550.00} ; unverified. 

XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX  Charge-off {$18000.00} ; unverified. 

XXXX XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX  Late payment {$25000.00} ; inaccurate. 

XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX  Charge-off {$25000.00} ; unverified. 

XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX Late payment {$530.00} ; inaccurate. 

XXXX XXXXXXXX XXXX  Collection {$810.00} ; unverified. 

XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX  Collection {$1900.00} ; inaccurate. 

Incorrect Addresses : XXXX XXXX, Missouri XXXX, TX XXXX Wrongly reported. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Wrongly reported. 

XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Wrongly reported. 

Unauthorized Inquiries : XXXX  XX/XX/year> ( XXXX entries ) These inaccuracies, unverified charge-offs and collections, wrong addresses, and duplicate inquiries are severely damaging my credit profile. 

Legal Violations : FCRA 1681e ( b ) : Furnishers failed to ensure maximum possible accuracy.

FCRA 1681i : Credit bureaus failed to properly investigate and delete disputed items.

FCRA 1681s-2 ( b ) : Furnishers continued reporting inaccurate information after dispute.

Requested Relief : I respectfully request that the CFPB : Conduct a thorough investigation into all listed creditors and furnishers. 

Require documented validation of all disputed accounts and inquiries. 

Correct or remove all inaccurate, unverifiable, and misreported information from my credit report. 

Ensure full compliance with the FCRA and cease further violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I assert that the inaccurate late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I am sending this dispute to formally challenge several items on my credit report that appear inaccurate, unverifiable, or improperly reported. These discrepancies misrepresent my credit history and have negatively affected my credit standing. The addresses listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not accurately reflect my verified residence history. Additionally, the reported account and inquiry information associated with these entries contain inconsistencies, including inaccurate balance data, dates opened, and reporting activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to a full reinvestigation of these disputed items. I respectfully request that these addresses, accounts, and inquiries be carefully reviewed and corrected in accordance with FCRA guidelines. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Case XXXX ( filed XX/XX/year> ). On XX/XX/year> I served XXXX XXXX requests ; on XX/XX/year> the court ordered XXXX to produce chain of title, XXXX ( XXXX ) of sale, account agreement, full statements/accounting, and a business-records affidavit. The firm did not provide the disclosures or documents and continued litigation activity until filing a Notice of XXXX on XX/XX/year> ( dismissed XX/XX/year> ). On XX/XX/year> I sent a written demand to resolve and cease collection ; no response in XXXX days. Im complaining that the firm pursued collection/litigation without the required verification and ignored the courts discovery order ( FDCPA 1692e/g ; XXXX XXXX XXXX XXXX XXXXXXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute accounts that appears to be inaccurately reported on my credit file. After reviewing my report, I found a loan account reflecting an incorrect opening date and inconsistent payment information that does not align with my verified records. These discrepancies have created an inaccurate impression of my creditworthiness, and I am requesting that this matter be fully reinvestigated in compliance with federal law. 
XXXX XXXX XXXX {$170000.00} Date opened XX/XX/year>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 2025-11-04 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-11-04 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-11-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the mishandling of my mortgage escrow account by my current servicer, LoanCare. 
I obtained my mortgage loan on XX/XX/year>, and since then, I have made every payment on time without exception. My loan includes an impounded escrow account for property taxes and homeowners insurance. My property taxes and insurance premiums have not changed by more than {$25.00} since the loan originated. 
However, my current servicer, LoanCare, recently claimed that I have an escrow shortage of {$3600.00}. I contacted their escrow department numerous timesat least XXXX separate occasionsto request a detailed explanation and verification of this alleged shortage. Despite these repeated attempts, LoanCare has refused to conduct a proper review or provide documentation to support their claim. 
LoanCare representatives stated that the shortage occurred because my previous servicer, XXXXXXXX XXXX, failed to make XXXX quarterly XXXX property tax payments. To verify this, I contacted XXXXXXXX XXXX directly, and they confirmed that all tax payments were made in full and on time. XXXXXXXX XXXX also provided payment confirmation documentation showing that the tax disbursements were completed as required. 

I have forwarded this information to LoanCare, yet they have refused to acknowledge it or investigate the discrepancy. Instead, they continue to demand payment of the alleged shortage and have begun assessing additional penalties. 

This situation appears to be a clear case of escrow mismanagement and servicer negligence, and it has caused undue financial and emotional distress. I respectfully request that the CFPB investigate this matter and require LoanCare to : Conduct a full audit of my escrow account. 

Verify all tax payments with the prior servicer ( XXXX XXXX ). 

Correct the escrow balance and remove any improperly assessed shortage or penalties. 

Thank you for your attention to this matter. I am prepared to provide all supporting documentation, including my payment history, escrow statements, and tax payment confirmations, upon request.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-04 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:
Box 1 Explanation & Requested Action I am disputing the inaccurate late payment and delinquent status currently being reported on my accounts. These reports are incorrect, as my payment history and original agreements do not support them. I request that the status be changed to Paid as Agreed and that all delinquency notations 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 non-monetary relief