vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
In XXXX, I disputed and had multiple inaccurate personal details ( names, addresses, phone numbers, and employers ) removed from my credit reports with the credit bureaus. These items have recently reappeared without any notice of reinsertion, which violates FCRA 611 ( a ) ( 5 ) ( B ). 

Several negative and collection accounts are also reporting with conflicting dates, inconsistent balances, and inaccurate payment histories. Some accounts appear to be associated with personal information that I previously disputed and had removed. I requested reinvestigations, but the bureaus continue to report information that is inaccurate or can not be verified. 

I have submitted updated disputes to each credit bureau, requesting deletion of all inaccurate or unverifiable items. Despite this, the bureaus continue to report the same errors. I am requesting the CFPBs assistance to ensure the credit reporting agencies comply with FCRA 602, 607, and 611, remove reinserted items that lack the required notice, and delete all unverifiable or inaccurate accounts.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX, I disputed and had multiple inaccurate personal details ( names, addresses, phone numbers, and employers ) removed from my credit reports with the credit bureaus. These items have recently reappeared without any notice of reinsertion, which violates FCRA 611 ( a ) ( 5 ) ( B ). 

Several negative and collection accounts are also reporting with conflicting dates, inconsistent balances, and inaccurate payment histories. Some accounts appear to be associated with personal information that I previously disputed and had removed. I requested reinvestigations, but the bureaus continue to report information that is inaccurate or can not be verified. 

I have submitted updated disputes to each credit bureau, requesting deletion of all inaccurate or unverifiable items. Despite this, the bureaus continue to report the same errors. I am requesting the CFPBs assistance to ensure the credit reporting agencies comply with FCRA 602, 607, and 611, remove reinserted items that lack the required notice, and delete all unverifiable or inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am not connected to these accounts ; please ensure their removal within 15 days as required 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 non-monetary relief
Consumer complaint received 2025-11-13 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: MO

Complaint narrative:
I am filing this complaint against Chime ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ) regarding their failure to properly handle and investigate a debit card dispute connected to a fraudulent vehicle sale. 

I purchased a vehicle from XXXX XXXX through in-house financing on XX/XX/year>. The dealer misrepresented the vehicles condition, claiming it had no prior damage when it actually had significant undisclosed accident or structural damage and the vehicle could not pass a safety and emissions test. I provided proof through an inspection report/ XXXX report and other documentation. 

When I discovered the deception, I filed a debit card dispute with Chime for my down payment and car note payments made to the dealer, explaining that the sale was obtained through fraud and misrepresentation. 

Chime later sent me a letter stating : Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

Chimes decision violates Regulation E ( 12 CFR 1005.11 ) of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), which requires : A reasonable, good-faith investigation into any reported error ; Completion of the investigation within 10 business days ( or 45 days if provisional credit is issued ) ; Written explanation and supporting evidence for the final determination. 

Chime did not : 1. Contact me to obtain additional information or documentation ; 2. Provide a provisional credit during the investigation ; 3. Supply documentation showing how they concluded no error occurred. 

Their failure to investigate or issue credit while a valid fraud dispute was pending constitutes a violation of Regulation E. 
The dealers conduct that caused the dispute violates multiple federal and Missouri consumer protection laws, including : 1. Federal Trade Commission Act ( 15 U.S.C. 45 ) prohibits unfair or deceptive acts or practices in commerce ; 2. FTC Used Car Rule ( 16 CFR 455 ) requires dealers to disclose known defects and damage history on the Buyers Guide ; 3. Missouri Merchandising Practices Act ( RSMo 407.020 ) makes it unlawful to use deception, fraud, false promises, or misrepresentation in connection with the sale of merchandise, including motor vehicles ; 4. Missouri Motor Vehicle Franchise Practices Act ( RSMo 407.825 et seq. ) prohibits false statements or concealment of material facts regarding vehicle history or condition. 
These misrepresentations voided the contract and rendered the sale fraudulent. The vehicle has been successfully returned to the dealer and theyre now directing me to dispute further proceedings through my bank. They are ignoring my attorney general complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Debt collector began reporting information to my credit report without notifying me and allowing me to properly dispute information. Additionally I have tried to dispute the information and they continued to report it violating my rights under the fcra

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-13 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
: Experian Information Solutions , Inc . 
Attn : Consumer Assistance / Compliance Department XXXX. XXXX XXXX XXXX, TX XXXX Re : Internal Dispute Notes and Credit Application Denial CFPB Complaint Reference : XXXX Court Case : XXXX ( XXXX XXXX XXXX ) Dear Experian Compliance Team, I am writing to formally address an issue regarding my Experian credit report and a recent denial of a credit card application, despite having a credit score of XXXX. 

As you are aware : 1. XXXX XXXX account # XXXX was permanently deleted per the XX/XX/year> Court Order from XXXX County Justice Court, XXXX XXXXXXXX XXXX XXXX XXXX, confirming and amending the parties Rule 11 Agreement. 
2. While I can see past dispute notes related to this account when I log into my Experian account, these notes do not affect my credit score and can not be seen by lenders or third parties. 
3. Despite the account being deleted and my credit score being XXXX, I have been denied a credit card, which I believe may have been influenced by these internal dispute flags. 

I request that Experian : 1. Confirm in writing that the XXXX XXXX account # XXXX has been permanently deleted and will not be reinserted. 
2. Provide documentation clarifying that internal dispute notes are not visible to lenders and should not impact credit decisions. 
3. Notify any lenders that may have accessed my report during the denial process, if applicable, that the denial may have been based on internal dispute notes that are not part of the credit report or score. 

Attached are : Copy of the XX/XX/year> Court Order CFPB complaint acknowledgment ( Ref. XXXX ) Current Experian credit report showing internal dispute notes

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-13 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am complaining about Chases handling of a {$13000.00} charge from XXXX XXXX XXXX XXXX XXXX XXXX ) on my Chase credit card ( acct ending [ last XXXX ] ). The transaction posted XX/XX/year>. I filed a dispute on XX/XX/year> and uploaded documents on XX/XX/year>. 

Chase bounced my case between fraud and billing error and then repeatedly opened/closed it without giving me the documents they relied on : Initially opened as fraud, then I was told it wasnt fraud. 
The dispute team then told me to open a fraud investigation anyway ; when I did, I was told again its not fraud and that the case had been mishandled by Chase. 
The portal shows this history : XX/XX/year> closed, XX/XX/year> denied, and XX/XX/year> reopened ( processing ) after my certified letters. 
The portal also shows the wrong reason : I canceled this purchase. I did not cancel. My claim is services not delivered as agreed/ not accepted. 

I asked Chase to : ( XXXX ) correct the reason coding, ( XXXX ) reopen and conduct a reasonable investigation as a billing error, and ( XXXX ) provide the merchant evidence used to deny my claim. To date, Chase has not provided any documentary evidence or a detailed denial letter. Under Regulation Z ( 12 CFR 1026.13 ), when a creditor denies a billing-error claim it must explain the reasons and, upon request, furnish copies of the documentary evidence relied upon. I requested those documents and did not receive them. 

Because of miscoding ( fraud billing error, then canceled purchase ) and the lack of evidence, I have been deprived of a fair investigation and can not respond to whatever the merchant alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

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 2025-11-13 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: TX

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX inquiries from XX/XX/year> on Transunion, i need to get this removed from my report this was a fraudulent inquiries without my consent. 


XXXX  this inquiries XX/XX/year> was made without my consent to I need to removed from my report to. 


XXXX XXXX This inquiries XX/XX/year> was made without my consent to I need to removed from my report to.

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 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/year>, XXXX initiated an ACH debit for approximately {$230.00} from my Discover savings account, an account I have never provided to XXXX or XXXX. The funds were withdrawn from my bank on XX/XX/year>. This savings account is not listed anywhere in my payment methods, and I never provided verbal or written authorization for XXXX to access or use it. 

I contacted XXXX through customer support XX/XX/year>, to understand how this account was obtained and when any authorization may have occurred. However, the representative was unable to tell me the last time I spoke with an agent, unable to provide any call logs or authorization records, and could not explain how this bank account became connected to my file. This has created significant concern regarding the handling of my financial information.

I requested via email : A copy of any ACH authorization The date and time of any interaction where authorization may have been given A list of all payment methods on file A full payment history Confirmation that this unauthorized account has been removed At this time, XXXX has not provided this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation