vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
Im reaching out again because a fraudulent account is still showing up on my credit report, even after my previous attempts to have it removed. Its frustrating and concerning that this issue has continued for so long without resolution.

My credit report still contains incorrect personal information, and that error appears to be allowing this unknown and inaccurate account to remain. I have been a victim of identity theft my information was used without my permission, and I have no connection whatsoever to this account.

As instructed by TransUnion, I filed an FTC Identity Theft Report and submitted all the necessary documentation, yet the fraudulent item is still being reported. This is unacceptable and continues to cause harm to my credit and personal records.

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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In early XXXX I resided in an apartment building that was purchased by another company during the pandemic. As a result of this, I was asked to relocate by XX/XX/XXXX and my lease was not resigned. After leaving this housing arrangement I never received notification of an outstanding balance or anything of the sort as the new owners had never previously done business with me. 

I have a court order, agreeing to dismiss the case w/out prejudice as long as I had vacated the apartment by the agreed time which did take place and can be verified with my most current leasing agreement. 

Upon checking my credit report recently I see a derogatory mark on my report connected to an address I have never resided in. 

I am looking to have these matters investigated for accuracy and ultimately removed from my report as I have done so with the major credit reporting agencies ( TransunionXXXX XXXX to no avail.

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 2025-11-11 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: NY

Complaint narrative:
Hello CFPB, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX NY XXXX, I am respectfully writing this message in complaint to bring to your attention an unauthorized inquiries on my credit report. These have dropped my score in result of hard inquiries and i do not recognize or approve of it. I was alerted via XXXX XXXX app about this negative. Please remove it as soon as possible. Speaking to representatives over the phone with the credit agencies has not helped. These are NOT mines as i did not give consent to these. Please help i need these accounts investigated and removed. 

You can Find the two inquiries below. 

Signature XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am a victim of identity theft, and my Equifax credit report contains fraudulent information. This complaint is based on my credit report ( Ref # XXXX ) and my Identity Theft Affidavit. As a resident of Florida, the presence of this fraudulent information violates my rights under federal ( FCRA ) and state laws, including Florida Statute 817.568. 

I have already sent a formal dispute letter to Equifax, but this damaging information remains. The following items are fraudulent, and I demand their removal. I am disputing these unauthorized inquiries, which I did not recognize or approve : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-11 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:
These inquiries came through without notification and might not have been authorized. Examine the attachments.

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 2025-11-11 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: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and unverified information on my credit report and has failed to properly investigate my previous dispute in compliance with the Fair Credit Reporting Act ( FCRA ) XXXX. 

Equifax is currently reporting the wrong address XXXX XXXX XXXX, FL XXXX, which does not belong to me and has never been associated with my personal or financial information. I have requested that this incorrect address be deleted, but it remains on my file, creating a misleading and inaccurate record of my identity. 

Equifax is also reporting an account listed as XXXX XXXX XXXXXX/XX/XXXXopened on XX/XX/year> with a balance of {$160.00}, reported as a charge-off. I have no knowledge or connection to this account, and it was never opened or authorized by me. This account is inaccurate and unverifiable, yet Equifax continues to report it. 

I am requesting that the CFPB require Equifax to conduct a lawful and complete reinvestigation, delete the false address, remove the unverifiedXX/XX/XXXXaccount, and provide me with an updated and corrected credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I used Affirm to pay for a booking through XXXX. The property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I provided photos and videos to XXXX and Affirm as evidence. XXXX only offered a small partial refund of {$180.00} for a week-long stay and refused further help. 

Affirm denied my dispute even after receiving clear proof that the product/service was not provided as advertised. Im requesting that Affirm pause payments and reopen the dispute because I did not receive the service I paid for and should not be held responsible for this charge.

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

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


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

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

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-11-11 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: GA

Complaint narrative:
I am writing to dispute the following items on my credit report. Below are the accounts that need investigation : XXXX. * * XXXX XXXXXXXX XXXX * * ( Account Number : XXXX ) - Account Status : Closed - Dispute Reason : The account is listed as past due 120 days, but the payment history has been updated recently, and this might not be accurate. 
XXXX. * * XXXXXXXX XXXX XXXX ( FHA Mortgage ) * * ( Account Number : XXXX ) - Account Status : Indeterminate - Dispute Reason : This account is marked as Indeterminate with a balance of {$170000.00}, yet it was closed due to refinancing. Please verify the accounts status and balance. 
XXXX. * * XXXX XXXX XXXX ( FHA Mortgage ) * * ( Account Number : XXXX ) - Account Status : Indeterminate - Dispute Reason : The balance remains as {$170000.00} and is marked as transferred to another lender. Please update the account status and adjust the balance if necessary. 
XXXX. * * XXXX XXXX XXXX XXXX * ( Account Number : XXXX ) - Account Status : Open - Dispute Reason : The account shows a balance of {$24000.00} and is marked as current. 
Please verify the account 's status and payment history.

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 2025-11-11 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: GA

Complaint narrative:
I am writing to dispute an inaccurate entry on my credit report. Below are the accounts that need to be investigated : XXXX. * * XXXX XXXXXXXX XXXX * * ( Account Number : XXXX ) - Account Status : Closed - Dispute Reason : The account is listed as past due 120 days, but the payment history has been updated recently, and this might not be accurate. 
XXXX. * XXXX XXXX XXXX XXXXXXXX ( FHA Mortgage ) * * ( Account Number : XXXX ) - Account Status : Indeterminate - Dispute Reason : This account is marked as Indeterminate with a balance of {$170000.00}, yet it was closed due to refinancing. Please verify the accounts status and balance. 
XXXX. * * XXXX XXXX XXXX ( FHA Mortgage ) * * ( Account Number : XXXX ) - Account Status : Indeterminate - Dispute Reason : The balance remains as {$170000.00} and is marked as transferred to another lender. Please update the account status and adjust the balance if necessary. 
XXXX. * * XXXX XXXX XXXX  * * ( Account Number : XXXX ) - Account Status : Open - Dispute Reason : The account shows a balance of {$24000.00} and is marked as current. 
Please verify the account 's status and payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
Somebody changed my once a month direct deposit from XXXX from my bank to a chime application with my name on it and by the time i found out all but XXXX was spent using a virtual card from the chime application u can redirect any direct deposit from any bank to the chime application without verifying who you are. I asked chime to do an investigation instead they closed my account i did not open and kept the remaining balance on the chime app i did not recieve it until 2 months later. My direct deposit amt is XXXX per month from XXXX and i had to go into Social Security office to find out what happened by the time i corrected it i had XXXX dollars left.

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

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Please confirm receipt of this dispute and provide me with a written response detailing the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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.

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 2025-11-11 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: CO

Complaint narrative:
I opened an XXXX banking account back in XXXX. I did use their services for a while, when I was very poor living paycheck to paycheck. I have not borrowed money in over 2 years. I have been being charged a {$19.00} " XXXX '' membership plan. When I realized this, I asked them to stop stealing from my account, and please delete my account. The length it takes to deactivate your account is very unethical and hard. I am a single mom and with food stamps being XXXX, {$20.00} stolen from me every month is hurting us. I have let my bank know, and they can not do anything unless I address fraud at a physical location in Texas, and I am in Colorado. 
I don't know what to do anymore. I feel I am being robbed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Description : I am disputing the accuracy of the reporting for this account, which has been incorrectly marked as charged off. Please verify the status and ensure all details are accurately reported. 

Late Payment Accounts : XXXX  Account Number : XXXX Date of Late Payment : [ Please specify date ] Description : I am disputing the reported late payment on my Experian credit report for this account. The late payment entry does not match the actual payment records, and I believe this is a reporting error. Please investigate and correct this inaccurate 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
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-11 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: AZ

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a XXXX XXXX XXXX XXXX. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : Unauthorized Inquiries : 1. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year>

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 2025-11-11 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: NM

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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