vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 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 : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/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 2025-08-04 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:
Upon my review of my consumer reports it has come to my attention that you DEPT OF EDXXXX are reporting accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I purchase a new car from XXXXXXXX XXXX  back in XXXX I couldn't pay the loan off. It went into default XXXX my last payment was XX/XX/XXXX the company started reporting to credit bureau 's late payment, derogatory marks and my credit point start dropping .. Also report that my car as profit and loss write off. XXXX XXXX they repossession the car back resold it and didn't send me the 1099C for my taxes.. They still report to credit bureau 's I owe the debt for

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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/year>2025 {$740.00} was transferred from my account to a cash app account I do not have ownership of or know the owner. I reached out to Chime within minutes of watching it happen. I opened the dispute that day nothing happened. They have not provided me with any investigative findings that show I authorized this transaction. They only say I did it! I sent it my account information and details that I found wouldve shown I did not authorize this transaction. On Monday XXXX XXXX, 2025 I was told the dispute was open and it was not. I was hung up on by a supervisor and not provided details to their resolution. Its no way their findings show I authorized this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX [ Date ] XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Reporting Account : MoneyLion Dear XXXX, I am writing to formally dispute inaccurate and potentially unlawful information appearing on my credit report concerning the MoneyLion account. The account was closed on XX/XX/XXXX, yet it is still being reported with derogatory information as recently as XXXX, which appears to be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, which limits the time frame for reporting adverse information. 

Additionally, the account reflects : Continuous derogatory reporting from XXXX through XXXX, well after the account was closed. 

A last payment date of XX/XX/XXXX, yet continued negative marks appear beyond that date. 

The payment history claims only 2 % on-time payments, which conflicts with the term and timeline of the loan. 

A Profit and Loss Write-off is being reported multiple times post-closure, suggesting potential re-aging of the debt, in violation of FCRA 623 ( a ) ( 5 ). 


If this debt has been charged off or sold, the continued reporting in an active derogatory status is misleading, inaccurate, and potentially unlawful. According to FCRA 607 ( b ), credit bureaus must maintain reasonable procedures to assure maximum possible accuracy of consumer information.

I am requesting that this account be : 1. Investigated under FCRA 611.

2. Corrected or deleted if the information can not be verified or is being reported in violation of federal law.

3. Stopped from being re-aged or continuously reported as delinquent past the actual delinquency date.

Please conduct an investigation and provide a written response of your findings within 30 days as required by law. If the item is not verified or corrected within that time, it must be promptly removed from my credit file. 

Sincerely, XXXX XXXX XXXX

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for inaccurately reporting an account from XXXX XXXX XXXX as In Collections and Derogatory, even though the account has a {$0.00} balance and was closed years ago. 

According to my current TransUnion report ( retrieved via XXXX XXXX on XX/XX/XXXX ), this auto lease account opened in XXXX shows : Status : In Collections Remarks : Paid collection, Transferred to recovery, Account information disputed by consumer Balance : {$0.00} Last payment : XX/XX/XXXX Despite being marked paid and having no activity since XXXX, TransUnion is still displaying this account as if it were an active derogatory collection. This is misleading, damaging to my credit profile, and contradicts the fact that the account does not appear in the Collections section of the same report. 

This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c Prohibits outdated and obsolete negative data 15 U.S.C. 1681i Requires accurate and complete information after dispute I previously submitted disputes and requested written documentation from TransUnion, including the evidence used to verify this account. I never received a valid response or supporting documentation. 

I am requesting the immediate deletion of this account from my TransUnion report, removal of all derogatory status and remarks, and a full correction of the 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 2025-08-04 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I have made multiple documented attempts to dispute inaccurate, outdated, or unverifiable information listed on my credit reports with all three major credit bureaus concerning the following account : XXXX XXXX XXXX  Account # XXXX ( Issue may include a duplicate account, unverifiable charge-off, or identity theft-related item. ) Despite providing formal dispute letters and all required supporting documentation, the credit bureau ( s ) and/or the data furnisher have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations.

Violations Include the Following : Failure to conduct a reasonable reinvestigation of disputed information ( FCRA 1681i ) Improper verification procedures, relying on unverifiable or automated systems ( e.g., e-OSCAR ) instead of direct confirmation with the original creditor ( FCRA 611 ( a ) ( 2 ) ( B ) ) Reinsertion of previously deleted information without the required notice to the consumer ( FCRA 611 ( a ) ( 5 ) ( B ) ) Failure to provide the method of verification upon written request ( FCRA 611 ( a ) ( 7 ) ) Knowingly or negligently reporting inaccurate or incomplete information ( FCRA 623 ( a ) ( 1 ) ( A ) ) Lack of documented permissible purpose or privacy safeguards to hold or reinsert disputed data ( FCRA 604, Privacy Act of 1974, and 12 CFR 1022.142 ) Supporting Documentation Submitted Includes : Government-issued ID Proof of current address FTC Identity Theft Report and/or Police Report ( where applicable ) Highlighted copies of the credit reports identifying the disputed entry Continued Failures by the Credit Bureaus/Data Furnisher : They have not provided sufficient verification from the original creditor They have not proven any permissible purpose for reinsertion or continued reporting They have not ceased reporting false, outdated, or duplicated account information Unauthorized Inquiries on All Three Bureaus ( Not Initiated or Authorized by Me ) : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized by me and constitute a further violation of the Fair Credit Reporting Act, specifically FCRA 604 ( a ) ( 3 ) regarding the permissible purpose of accessing a consumer 's credit file. 

Requested Relief : I am requesting the immediate deletion of the disputed XXXX XXXX XXXX  account and the removal of all unauthorized inquiries listed above from my credit reports. Additionally, I request that the CFPB investigate these ongoing violations and ensure compliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I have made multiple documented attempts to dispute inaccurate, outdated, or unverifiable information listed on my credit reports with all three major credit bureaus concerning the following account : XXXX XXXX XXXX  Account # XXXX ( Issue may include a duplicate account, unverifiable charge-off, or identity theft-related item. ) Despite providing formal dispute letters and all required supporting documentation, the credit bureau ( s ) and/or the data furnisher have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations.

Violations Include the Following : Failure to conduct a reasonable reinvestigation of disputed information ( FCRA 1681i ) Improper verification procedures, relying on unverifiable or automated systems ( e.g., e-OSCAR ) instead of direct confirmation with the original creditor ( FCRA 611 ( a ) ( 2 ) ( B ) ) Reinsertion of previously deleted information without the required notice to the consumer ( FCRA 611 ( a ) ( 5 ) ( B ) ) Failure to provide the method of verification upon written request ( FCRA 611 ( a ) ( 7 ) ) Knowingly or negligently reporting inaccurate or incomplete information ( FCRA 623 ( a ) ( 1 ) ( A ) ) Lack of documented permissible purpose or privacy safeguards to hold or reinsert disputed data ( FCRA 604, Privacy Act of 1974, and 12 CFR 1022.142 ) Supporting Documentation Submitted Includes : Government-issued ID Proof of current address FTC Identity Theft Report and/or Police Report ( where applicable ) Highlighted copies of the credit reports identifying the disputed entry Continued Failures by the Credit Bureaus/Data Furnisher : They have not provided sufficient verification from the original creditor They have not proven any permissible purpose for reinsertion or continued reporting They have not ceased reporting false, outdated, or duplicated account information Unauthorized Inquiries on All Three Bureaus ( Not Initiated or Authorized by Me ) : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX These inquiries were not authorized by me and constitute a further violation of the Fair Credit Reporting Act, specifically FCRA 604 ( a ) ( 3 ) regarding the permissible purpose of accessing a consumer 's credit file. 

Requested Relief : I am requesting the immediate deletion of the disputed XXXX XXXX Bank account and the removal of all unauthorized inquiries listed above from my credit reports. Additionally, I request that the CFPB investigate these ongoing violations and ensure compliance with federal regulations.

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 2025-08-04 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:
I have made multiple documented attempts to dispute inaccurate, outdated, or unverifiable information listed on my credit reports with all three major credit bureaus concerning the following account : XXXX XXXX XXXX  Account # XXXX ( Issue may include a duplicate account, unverifiable charge-off, or identity theft-related item. ) Despite providing formal dispute letters and all required supporting documentation, the credit bureau ( s ) and/or the data furnisher have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations.

Violations Include the Following : Failure to conduct a reasonable reinvestigation of disputed information ( FCRA 1681i ) Improper verification procedures, relying on unverifiable or automated systems ( e.g., e-OSCAR ) instead of direct confirmation with the original creditor ( FCRA 611 ( a ) ( 2 ) ( B ) ) Reinsertion of previously deleted information without the required notice to the consumer ( FCRA 611 ( a ) ( 5
) ( B ) ) Failure to provide the method of verification upon written request ( FCRA 611 ( a ) ( 7 ) ) Knowingly or negligently reporting inaccurate or incomplete information ( FCRA 623 ( a ) ( 1 ) ( A ) ) Lack of documented permissible purpose or privacy safeguards to hold or reinsert disputed data ( FCRA 604, Privacy Act of 1974, and 12 CFR 1022.142 ) Supporting Documentation Submitted Includ
es : Government-issued ID Proof of current address FTC Identity Theft Report and/or Police Report ( where applicable ) Highlighted copies of the credit reports identifying the disputed entry Continued Failures by the Credit Bureaus/Data Furnisher : They have not provided sufficient verification from the original creditor They have not proven any permissible purpose for reinsertion or continued reporting They have not ceased reporting false, outdated, or duplicated account information Unauthorized Inquiries on All Three Bureaus ( Not Initiated or Authorized by Me ) : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized by me and constitute a further violation of the Fair Credit Reporting Act, specifically FCRA 604 ( a ) ( 3 ) regarding the permissible purpose of accessing a consumer 's credit file. 

Requested Relief : I am requesting the immediate deletion of the disputed XXXX XXXX XXXX  account and the removal of all unauthorized inquiries listed above from my credit reports. Additionally, I request that the CFPB investigate these ongoing violations and ensure compliance with federal regulations.

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 2025-08-04 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: CA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-08-04 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AR XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Its been almost two months since I filed a dispute for unauthorized transaction Ive also sent verification showing it was unauthorized and they have ignored me n refused to give me a credit while they investigate which falls under regulations E they will not comply with me and its been since XX/XX/XXXX the policy says within 10 days they credit the account until the investigation is over but they will not credit me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Dispute of Furnished Information on Account XXXX - Follow-up to Complaint ID XXXX. 

I am writing to dispute the accuracy of the information Wells Fargo is furnishing to the credit bureaus regarding my account XXXX. I have also filed a related complaint against XXXX XXXX XXXXXXXX, because their reinvestigation was flawed. 

As proven by the attached check image and bank transaction details, I paid {$4500.00} to settle this debt. Wells Fargo 's reporting of " {$6300.00} written off '' is a material inaccuracy. Furthermore, my credit report recently showed incorrect, continuous delinquency reporting after my payment date, which has since been corrected. This demonstrates that the information being furnished by Wells Fargo was inaccurate. 

Under 15 U.S.C. 1681s-2 ( b ), Wells Fargo has a legal duty to report accurate information to the credit bureaus. I am now demanding that Wells Fargo provide me with the original signed contract that proves the debt is mine and that the reporting is accurate. 

If Wells Fargo can not provide this proof, they must immediately cease reporting this account to all credit bureaus and request its deletion.

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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe have incorrect information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 explanation
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
This account was opened using stolen identity. I did not create it, approve its use, or obtain any products or services through it. It is fake and not mine.

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