vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
I am submitting to you as a concerned consumer regarding several unauthorized and inaccurate items appearing on my credit report. Upon review, I discovered inquiries and information that violate my rights under the Fair Credit Reporting Act ( FCRA ). These entries have not only caused confusion but have also impacted my creditworthiness without my consent or proper authorization. 
Recently, upon reviewing my credit report, I noticed unauthorized and inaccurate inquiries, names and addresses that appear without my consent or any permissible purpose. The inquiries in question are as follows : 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>

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 2025-11-03 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # : XXXX, has violated my rights. 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.

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 2025-11-03 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 sending this complaint to formally dispute multiple inaccuracies and unauthorized entries appearing on my credit report. After a careful review of my file, I discovered personal information and inquiries that do not belong to me and appear to be the result of reporting errors or possible identity theft. These inaccuracies have negatively impacted my credit standing and do not accurately represent my financial history or identity. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed items and that any unverifiable, inaccurate, or fraudulent information be permanently deleted or blocked from my credit report under FCRA 605B ( 15 U.S.C. 1681c-2 ).

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting an investigation and correction of late payment information on items appearing on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) grants consumers the right to dispute information that may be incomplete, inconsistent, or inaccurate. Please review the following accounts for accuracy : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00}

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: WA

Complaint narrative:
It all started on my chime account XXXX of XXXX  when I live in Washington XXXX and Washington and I noticed my account was being used in Montana so I called chime and disputed the fraudulent activity going on in the account long story short it's a second time I disputed it in a year and they're still not giving me my money back XXXX is what was taken out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
DPT EDXXXX 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 DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 DPT EDXXXX 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 DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 DPT EDXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX, XXXX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX  XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-11-03 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:
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. 

XXXX - XXXX List of Unauthorized Inquiries : 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 XXXX 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 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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I previously filed a complaint regarding a loan opened in my name from Ally bank I was told that was purchased from XXXX XXXX auto. 
The 1st time I was able to see this contract was when it was emailed to me in my decision from you guys. That contract is fraudulent. That is not my signature. 
I did not sign that contract, i never worked at any company named XXXX XXXX, I do not make XXXX a month. I have a part time job at XXXX. Any employment you have should show up on your credit report. 
This contract states that I have worked at that fake company for XXXX years. 
If that is true that company would show up on my credit report and it doesn't I've also done my own research and that company does not exist and that number for the company is fake as well. 
I also never furnished any paystubs to anyone from this fake company because I do not have any because they were never produced. 
This is fraud XXXX auto and Ally  Bank used my information to scam me and rob me. 
I did never authorized this contact nor signed it. 
I also do not have a drivers license I will be perusing legal action. 
Please ask the dealership and Ally bank to provide proof of paystubs for that fraudulent company that contract is saying is my employer and please ask them to provide proof that I signed that contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, XXXX, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I discovered multiple hard inquiries on my credit report that I did not authorize and for which I never applied. These inquiries do not meet the FCRAs requirement that a user have a permissible purpose to pull a consumer report ( 15 U.S.C. 1681b ). I disputed the inquiries with the credit reporting agency and requested reinvestigation under 15 U.S.C. 1681i, but the inquiries remain on my file. I am asking the CFPB to investigate and require the credit reporting agency to remove all unauthorized inquiries and confirm in writing that my file hasbeencorrected.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Chase Bank Continues to approve Overdrafts when my card is locked and debit card coverage is turned off meaning the card should be declined for insufficient funds but the bank has approved so far {$330.00} in overdrafts so far before fees are placed on the funds, I have already opened a dispute on multiple transactions and now I have to open XXXX more. This is unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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 sending to formally dispute inaccurate information that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$450.00} Date Opened:XXXX Date Reported:XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry on my credit report. On XX/XX/year> I reviewed my credit report and discovered a hard inquiry from XXXX ( finance ), XXXX XXXX ( Bank ), and XXXX, XXXX ( Bank ) on XXXX  credit report that I did not authorize.

Because I did not apply for credit with this company and believe my documents were used fraudulently, I have also contacted them and requested removal of this inquiry. Please initiate an investigation into this hard inquiry to determine who authorized it. Upon completion, please send me written confirmation of the results.

If your investigation confirms the inquiry is invalid or fraudulent, I officially request its removal from my credit report. If asserts the inquiry is valid, please provide written proof and a description of the investigation process. I already submit complaint to police for someone used my documents 2-3 time, So Please remove these inquiries from my credit so i got my excellent credit score. 
Thank You So Much 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 2025-11-03 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:
I am submitting to you as a concerned consumer regarding several unauthorized and inaccurate items appearing on my credit report. Upon review, I discovered inquiries and information that violate my rights under the Fair Credit Reporting Act ( FCRA ). These entries have not only caused confusion but have also impacted my creditworthiness without my consent or proper authorization. 
Recently, upon reviewing my credit report, I noticed unauthorized and inaccurate inquiries, names and addresses that appear without my consent or any permissible purpose. The inquiries in question are as follows : 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>

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 2025-11-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: CA

Complaint narrative:
Returning a XXXX call from XXXX with XXXX  XXXX XXXX XXXX, I explained to her that after having made no less than XXXX calls to the XXXX XXXX  number, I was treated very rudely by staff, was hung up on by a supervisor I escalated the issue to, and that problems persisted. I asked her to change my last name to the legal one because XXXX XXXXXXXX reps and she herself stated that the discrepancy between legal last name and the name on record with XXXX  could be the problem ( though it had never been a problem before ). She assured me that she would change my account name. ( She sent my new debit card within two business days after our conversation ( see other complaint ) ). She did not change my last name as agreed. 

After I got my new debit card, I ordered food and supplies on XXXX ( the main place I shop for food and household items ) as usual. Nearly all of the items ordered were declined at times that coincided with shipping attempts. Meaning, I still could not buy necessities and pay bills due to XXXX. I was quite humiliated, especially after I called XXXX thinking the problem was theirs. The XXXX XXXX XXXX told me that XXXX is not in the business of refusing to send items that customers could pay for. I left XXXX another message after that humiliation. I stated that I was still having issues with XXXX and XXXX purchases. She did not return my call. The day after I left the message for XXXX, I resubmitted my orders to XXXX and they went through. 

On XXXX, I submitted an online payment to XXXX. It was declined by XXXX XXXX. Because XXXX failed to return my call about ongoing card payment problems, I am submitting a new complaint. 

Thank you most kindly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is care credit synchrony bank and Ive always kept it in good standing. Paying on time. It is an emergency card for my familys dental. On XX/XX/year> I paid the balance of approx {$1200.00}, on XX/XX/year> I checked to be sure the balance was XXXX. I have XXXX  XXXX scheduled in 10 days. My credit limit was {$6000.00}, Ive had this account for over 8 years and the new credit limit is {$250.00}. I did call, They said they reviewed it and that is their reason. No reason. I honestly paid this bill even if we went without groceries. It is important to have this emergency line of credit for myself and XXXX kids. Im devastated bc I was depending on using a large portion of the XXXX limit on the XXXX of this month. At the end of phone call they raised it to {$750.00}. I told them that wasnt going to cover my procedure and they could keep it. I was very careful with this account. This was not warranted.

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 2025-11-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Birth: XXXXSSN (Last 4): XXXXDate: XXXX XXXX XXXXTo:\nExperianXXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute of Charge-Off Accounts on My Credit Report\nDear Experian Dispute Department,\nI am writing to formally dispute several charge-off accounts that appear on my credit report datedXXXX XXXX. After reviewing the report, I have reason to believe that these accounts contain\ninaccurate or incomplete information and are negatively affecting my credit standing.\nBelow are the accounts in question:\nCreditor Name Acct (Last 4) Reported Balance Date UpdatedXXXX 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 XXXXI request that each of these items be investigated and verified under the Fair Credit Reporting Act\n(FCRA). If the creditors cannot provide documentation proving the accuracy and ownership of these\naccounts, please remove or correct them immediately from my credit report.\nPlease send me written confirmation of your findings and any updates made to my file within 30 days,\nas required by law.\nThank you for your prompt attention to this matter.\nSincerely,XXXX XXXXDate of Birth: XXXXSSN (Last 4): 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief