vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Ingo Money, Inc.
State: MO

Complaint narrative:
Ingo allowed a check to submit twice when it was only submitted once on my end. This rejected the check failing it into be bounced & then into collections. The company proceeded to lock up my cards and making me uneligible for using cash a check feature on my XXXX account. XXXX couldn't tell me any of this information as they could not see it on their end. Ingo would explain to me much of anything as they just said I would be contacted by email in a few business days. Which I did but never to explain what to do to make this problem stop. As I haven't been able to open any other bank accounts due to high risk nor pay my bills as they have gone up in price because of this matter. I have not been able to survive because of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I was going to be garnished on a hospital hill I made a payment plan and pay it since then theyve sent to more garnish notifications on the same hospital bill Im paying each time I called and notified them Im paying on that bill already they just set up another payment plan so now Im paying {$150.00} a month on XXXX payment for the same bill so they dont garnish me after already making the first payment plan for them not to now theyve sent me a fourth XXXX saying theyre not excepting a payment plan because garnishing me thru my work they can get XXXX XXXX instead of {$50.00} a month which Im already paying on now XXXX time a month which is {$150.00} I notified them that theyve already sent me XXXX o the same bill which is not legal after agreeing to the XXXX  payment plan they just told me Im wrong and that theyre still going to garnish me I have all XXXX papers with the same amount same hospital just different account number and they keep going through XXXX XXXX XXXX house in XXXX XXXX sending me more while Im still paying on them but I dont see how they can legally have me paying the same payment on XXXX different accounts and then send me a XXXX and tell me theyre garnishing my and not doing a payment plan cause they can get more after making the agreement with me the first time on the bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting act Convergent Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-07-18 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-18 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: NC

Complaint narrative:
I hope this message finds you well. I am reaching out to respectfully dispute an inaccurate late payment that has been recorded on my credit report. I have always made a conscious effort to meet my payment obligations, and this entry appears to be a rare and unfortunate error.

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I DONT RECOGNISE THIS ACCOUNT I AM A XXXX OF FRAUD PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT

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 2025-07-18 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:
Subject : Unauthorized Hard Inquiries on My Credit Report Complaint Description : I am filing this complaint because there are several hard inquiries on my credit report that I did not authorize. These inquiries were made without my consent and without a permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

The inquiries negatively affect my credit profile and were not initiated by me. I have not applied for credit with the companies that made these inquiries and did not give them permission to access my credit report. 

I contacted the credit reporting agencies to dispute these inquiries and requested that they investigate and remove them, but I am submitting this complaint because I want to ensure the matter is properly addressed. 

The inquiries I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I am requesting that these unauthorized inquiries be removed from my credit reports and that the credit reporting agencies take appropriate steps to correct my record. 

Please let me know if additional information or documentation is needed from me to assist in resolving this complaint. 

Thank you for your 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 2025-07-18 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
The former school loan servicer named " XXXX '' reported in my credit reports in XXXX and Equifax credit bureaus inaccurate information. I have disputed several times providing ample proof to the bureaus, and they have ignored my removal requests. Here is the information reported in the credit reports that it is inaccurate. 

XXXX reported XX/XX/XXXX in XXXX XXXX days late payment. However, in Equifax, XX/XX/XXXX was reported XXXX  days late payment, XX/XX/XXXX was reported in XXXX XXXX days late payment. However, in Equifax, XX/XX/XXXX was reported XXXX  days late payment. XX/XX/XXXX reported in XXXX XXXX days late payment. However, in Equifax, XX/XX/XXXX reported XXXX days late payment. From XX/XX/XXXX to XX/XX/XXXX XXXX  reported 120 days late payment. However, Equifax from XX/XX/XXXX to XX/XX/XXXX reported XXXX days late payment. The numbers of inaccuracies are excessive. This is a colossal violation of the Fair Credit Act and needs to be removed. Pursuant to FCRA XXXX it is prohibited reporting information with actual knowledge of errors. FCRA Section XXXX ( a ) ( XXXX ) ( C ) Under this section it is prohibited under any circumstances to report information in the credit bureaus that the consumer has told you is inaccurate if it is, in fact, inaccurate. Equifax and XXXX have violated the Federal Laws and continue to do so as these errors are still in my credit reports. I have even mentioned to them XXXX XXXX XXXX in which the XXXX XXXX opinion was that the burden of proof is on Credit Bureaus, Creditors and Collectors. However, they continue to ignore my factual disputes, the proofs provided and respond by saying that their investigation is accurate when in fact it is not. In addition, the company XXXX XXXX was already sued last year and a huge judgment entered for misapplying payments to accounts and reporting erroneous late payments to consumer accounts in the credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
The former school loan servicer named " XXXX '' reported in my credit reports in Transunion and XXXX credit bureaus inaccurate information. I have disputed several times providing ample proof to the bureaus, and they have ignored my removal requests. Here is the information reported in the credit reports that it is inaccurate. 

XXXX reported XX/XX/XXXX in Transunion XXXX days late payment. However, in XXXX, XX/XX/XXXX was reported XXXX days late payment, XX/XX/XXXX was reported in Transunion XXXX  days late payment. However, in XXXX, XX/XX/XXXX was reported XXXX  days late payment. XX/XX/XXXX reported in Transunion XXXX  days late payment. However, in XXXX, XX/XX/XXXX reported XXXX days late payment. From XX/XX/XXXX to XX/XX/XXXX Transunion reported XXXX days late payment. However, XXXX from XX/XX/XXXX to XX/XX/XXXX reported XXXX days late payment. The numbers of inaccuracies are excessive. This is a colossal violation of the XXXX XXXX XXXX and needs to be removed. Pursuant to FCRA XXXX it is prohibited reporting information with actual knowledge of errors. FCRA Section XXXX ( a ) ( XXXX ) ( C ) Under this section it is prohibited under any circumstances to report information in the credit bureaus that the consumer has told you is inaccurate if it is, in fact, inaccurate. XXXX and Transunion have violated the Federal Laws and continue to do so as these errors are still in my credit reports. I have even mentioned to them XXXX XXXX Transunion in which the XXXX XXXX opinion was that the burden of proof is on Credit Bureaus, Creditors and Collectors. However, they continue to ignore my factual disputes, the proofs provided and respond by saying that their investigation is accurate when in fact it is not. In addition, the company XXXX XXXX was already sued last year and a huge judgment entered for misapplying payments to accounts and reporting erroneous late payments to consumer accounts in the credit reports.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing with grave urgency regarding a matter that has significantly compromised my financial standing. Despite incessant efforts to resolve the issue directly with Experian, I continue to suffer from the erroneous reporting of a late payment, a charge that is both false and detrimental to my credit profile. I have diligently contested this inaccurate reporting, remain overwhelmed by ongoing negative entries and undue harassment by a system that has failed to verify or validate the alleged late payment. It is unacceptable that such derogatory information is being recorded without my explicit and legally valid consent. 
Violations of Established Statutory Standards Include : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Reporting of Late Auto Payment ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) Experian flagrantly disregards these legal standards

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 2025-07-18 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to WFBNA AUTO to formally dispute the inaccurate reporting on my auto loan account ( Account No. XXXX ), which was opened on XX/XX/XXXX and currently shows a balance of {$34000.00}. My credit reports reflect a XXXX late payment in XX/XX/XXXX, a XXXX late payment in XX/XX/XXXX, and another XXXX late in XX/XX/XXXX. I dispute the accuracy of these entries, as I have no record or notice of missed or delinquent payments for those months. The continued reporting of this unverifiable information constitutes a violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), which requires all data furnishers to report only accurate and complete information to consumer reporting agencies. 

These derogatory notations are unfairly impacting my credit score and overall financial standing. I am requesting that your office conduct a complete and proper investigation into this matter. If these reported delinquencies can not be substantiated with documented proof, I am demanding their immediate correction or deletion from all credit reporting agencies to which they were reported.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Upon reviewing my credit file, I found an account that I did not authorize, initiate, or recognize. This entry is completely fraudulent and must be removed to ensure the accuracy of my credit 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 2025-07-18 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: WA

Complaint narrative:
I have received multiple e-mails to my e-mail from Chime starting on XXXX XX/XX/year> stating I have created an account and most recently they are sending a Debit Card. Furthermore they are sending this Debit Card to an address that is not mine. I believe they have the incorrect e-mail address associated with another persons account. 

On XXXX XX/XX/year> I called their support phone line. They refused to help me without my disclosure of my personal information. I attempted to escalate and was informed I still had to provide my personal information. I informed them that my next step would be to file a formal complaint to which they had no response other than to ask for personal information. 

I have NO business relationship with Chime. I have never authorized them to use my e-mail address. I have never contacted them other than to attempt to alert them to their disclosing someone else 's personal information as described above.

Company response to consumer: Closed with explanation