vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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 am an active U.S. servicemember. Experian, Equifax, and TransUnion are continuing to report an inaccurate tradeline from XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) despite clear, verified evidence that it is invalid. The furnisher has already admitted in writing to the CFPB that the tradeline was an error and must be removed ( Exhibit A ). I also have a XXXX XXXX housing clearance showing a {$0.00} balance ( Exhibit B ). Despite these documents, all three bureaus continue to publish the tradeline as unpaid ( screenshots attached ). 

Legal violations : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Once a dispute is submitted, the agency must reinvestigate and correct or delete inaccurate information.

15 U.S.C. 1681c : Agencies must remove obsolete or inaccurate data.

Statutory remedies ( FCRA 1681n & 1681o ) : W
illful or negligent failure to comply exposes agencies to damages, punitive or statutory, and attorneys fees.

Reinsertion rules ( FCRA 611 ( a ) ( 5 ) ( B ) ) : If a deleted item is later reinserted, the agency must notify the consumer and document authenticity. Reinsertion without following that requirement is illegal. 


Requested resolution : 1. Immediately delete the XXXX. XXXX / XXXX XXXX tradeline from Experian, Equifax, and TransUnion consumer files within five ( 5 ) business days of receipt.

2. Provide me ( and CFPB ) written confirmation of deletion with the deletion da
te and name/title of approving official.

3. If any bureau claims verification, provide all documentation used to verify, including chain-of-custody, source records, and the name/ID of the person authorizing the verification.

4. Cease any further reporting of this tradeline unless substantial, primary-source documentation is obtained and provided in advance.

If deletion is not completed in five business days, I will seek all remedies under the FCRA, including statutory, actual, and punitive damages, and request immediate CFPB enforcement. 

Attachments : Exhibit XXXX XXXX  XXXX written admission to CFPB ; Exhibit B XXXX XXXX clearance ( {$0.00} ) ; Exhibit XXXX screenshots from Experian, Equifax, TransUnion showing the tradeline.

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 2025-10-15 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: Pinata Rent, Inc
State: GA

Complaint narrative:
Information have been verified in the date breach, an unknown company called PIATA RENT as a charge of {$1500.00} on my credit report that I am unaware of! I am writing to formally dispute and demand the immediate blocking and permanent deletion of inaccurate and/or unauthorized information currently appearing on my XXXX  credit file. This demand is made under my rights granted by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize, authorize, or approve. This raises serious concerns about the misuse of my private information and possible identity theft. As a victim, I urgently request the immediate removal of these fraudulent accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below are in direct violation of my federally protected consumer rights under 15 U.S.C. 1681. Specifically : 15 U.S.C. 1681, Section 602 ( A ) : Guarantees my right to privacy.

15 U.S.C. 1681, Section 604 ( A ) ( 2 ) : States that no consumer reporting agency may furnish an account without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting adverse items of information that are inaccurate or outdated.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or reasonably should know the information is inaccurate. 
These fraudulent accounts violate the above federal laws and are a clear breach of my rights to privacy and confidentiality. I demand that these accounts be deleted from my credit report immediately to prevent further harm.

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 2025-10-15 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:
XXXX has already deleted the XXXX XXXX XXXX XXXX account after I submitted an FTC Identity Theft Report ( # XXXX ) confirming this account was the result of identity theft. Despite this, TransUnion continues to report and verify the same fraudulent account as verified as reported, which violates FCRA 605B and 611 ( a ) ( 5 ) ( B ). TransUnion has failed to block or delete the account within four business days of receiving my identity theft documentation and continues to report inaccurate information inconsistent with other credit bureaus. I am requesting immediate deletion and compliance review.

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 2025-10-15 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: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under FCRA 1681i 1681e ( b ) 1681s-2 ( a ) ( 1 ) ( A ) Equifax failed to conduct the maximum possible accuracy of information reported & did not Provide the original contract or agreement signed documentation proving I opened or authorized these accounts, the furnisher verifying the true DOFD and date opened! I asked for several times in written & over the phone still havent received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> ], I learned from Affirm that my XXXX XXXX XXXX XXXX dispute ( Case XXXX XXXX XXXX  was closed in the merchants favor because Affirm claimed it had not received any evidence from me. This is incorrect. Affirms own confirmation dated XX/XX/year> ( attached ) shows that my documentation ( Reservation for XXXXXXXX XXXX XXXX XXXX was uploaded and received for the disputed amount of {$4200.00} USD. 

Affirm lost or failed to retain this evidence and closed the dispute improperly, violating its duties under the Fair Credit Billing Act ( Regulation Z 1026.13 ). Despite the ongoing dispute, Affirm continues to demand payment and has reported my account as 71 days delinquent, which constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA 623 ).

I have repeatedly contacted Affirm, provided documentation, and requested escalation to their Regulation Z Compliance or Executive Resolution team, but no corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX for reporting and attempting to collect an alleged debt on behalf of XXXX in the amount of {$790.00}, without ever providing me with proper written notice or validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I discovered this alleged debt only after reviewing my TransUnion credit report, where XXXX is listed as a collection account opened on XX/XX/year>. I was never contacted by mail or email, nor given an opportunity to dispute or validate this alleged debt before it was reported. This conduct also violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to ensure accuracy and proper notice before reporting derogatory information. 

XXXX actions have damaged my credit reputation and violated my rights as a consumer. I am requesting that the CFPB investigate this matter and require XXXX to : XXXX. Provide full documentation and validation of the alleged T-Mobile debt, and XXXX. Cease all reporting and collection activity until such validation is provided, and XXXX. Remove this unverified account from my credit report immediately. 

Thank you for your attention and for protecting consumers rights under the 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 2025-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding serious professional misconduct and privacy violations by loan officer XXXX XXXX of XXXX XXXX XXXX Loans during my recent mortgage loan process. 

It was brought to my attention by my realtor that the loan officer directly contacted the home seller and made several slanderous and defamatory remarks about me, which were heard by my realtor during a conference call. The loan officer also disclosed personal and confidential information about me to the seller without my authorization, violating my right to privacy and confidentiality under the Gramm-Leach-Bliley Act ( GLBA ) and other applicable federal privacy laws.

Furthermore, my realtor informed me that the loan officer stated he was intentionally delaying the closing process and made comments that appeared designed to damage my reputation and sabotage my loan. The realtor has expressed fear that XXXX XXXX may retaliate against her or me if a complaint is made, which adds further concern about the companys internal culture and accountability. 

I have submitted this issue to XXXX XXXX compliance department and company advocate, but I have received no written response or acknowledgment of my formal resolution request. There has been no corrective action or communication regarding this matter, despite the serious nature of the violations. 

As a 100 % XXXX XXXX veteran with XXXX, this misconduct has caused me severe emotional distress, financial harm, and reputational damage. The behavior displayed by this loan officer toward a veteran customer is unacceptable and unprofessional, and it has undermined my confidence in the lending process. 

This misconduct resulted in : Unauthorized disclosure of personal and financial information. 
Defamation and damage to my reputation. 
Emotional and psychological distress directly related to my XXXX. 
Potential financial loss ( including possible forfeiture of earnest money and added housing costs ).

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 2025-10-15 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-15 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
Chime. 
I filed a dispute with chime since I paid cash for the stay at a hotel but hotel charged me twice, also charged my card which supposed to be only deposit for incidentals and returned upon check out. 
Chime denied my request for funds return and 'made a final determination '. They never issued temporary credit also. I believe that my case must be reviewed again. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I sent Capital One a formal Notice & Demand by certified mail requesting documentation to validate an alleged account ending in XXXX. They did not respond. 

On XX/XX/year>, I sent a Final Opportunity to Cure ( certified mail ) granting them an additional 72 hours to comply. No validation or documentation was provided. 

On XX/XX/year>, I issued a Notice of Default and Administrative Closure. That same day, Capital One sent a letter that only listed my application date, last charge, and last payment. It provided no supporting documentation or proof of the alleged claim.

To date, Capital One has not provided : A copy of the original signed credit agreement or contract ; A complete account history showing charges, payments, and interest ; Documentation proving lawful ownership or right to enforce ; Verification of the amount claimed as owed, supported by evidence ; Proof of any reasonable investigation required under 15 U.S.C. 1681i. 

All statements I have received from Capital One have been unsigned and unauthenticated, lacking any legal weight. I have never received a verified demand or substantive claim capable of supporting their reporting or enforcement actions.

This matter remains disputed. I am seeking regulatory intervention to compel proper validation or deletion of the disputed account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
I am filing a complaint regarding inaccurate personal information and an unauthorized inquiry on my credit report. The names XXXX XXXX and XXXX, XXXX, XXXX are not associated with my identity and must be removed. Additionally, the addresses XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX are inaccurate and should be deleted. An unauthorized inquiry from XXXX  XXXX dated XX/XX/year> was made without my consent or permissible purpose. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, which require consumer reporting agencies 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 explanation
Consumer complaint received 2025-10-15 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-15 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX  {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX credit card ( Chase ) refused to provide information on my fraud disputes. I did not make or authorize any of these 6 purchases ( 2 were resolved in my favor but for some reason the other 4 were not resolved and they put the charges back onto my account ). They states I received benefit from this transaction. That is not true as I have never shopped with this company before. I will not pay fraudulent charges and these charges need to be removed from my account asap. You can see based on my purchase history that a great majority of the charges that I made on the card ( emphasizing I made them ) were from XXXX. This is ridiculous and needs to be rectified asap. 

Fraudulent charges that Chase put back on my account after the dispute process. 
1. {$91.00} from XXXX XXXX XXXXXXXX 2. {$91.00} from XXXXXXXX XXXX XXXX 3. {$60.00} from XXXX " XXXX XXXX. {$91.00} from XXXX " XXXX ( All 4 charges occurred on XX/XX/year>XXXX  ) Total {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have no record of the account they are trying to collect on and they are providing no information on what this account might be from.

Company response to consumer: Closed with explanation