vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer 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 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I bought a mattress through mattress firm. I was going to pay in full for this mattress but the sales associate XXXX was very adamant and kept pushing for me to finance. She marketed this as financing through mattress firm, not once mentioned credit card or the bank Synchrony. She said she was going to pull my credit which I was fine with because I again she marketed it as just for mattress firm financing. Again not once did this employee mention the word credit card or say synchrony bank. I tried to call and spoke with another store that told me the original mattress firm I worked with would need to back track the credit card process and let me pay out right. There is no corporate customer service number everything is rerouted back to the store. I called the original store and spoke with them. Unfortunately tretisha answered the phone and was very unprofessional, I tried to get a XXXX right away to avoid any arguments and she told me multiple times one was not available. She finally transferred me to a XXXX who stated he was a XXXX and that he could not go back to mark the card opened in error. I spoke with Synchrony bank to pay off the balance and let them know this was opened in error and they were able to file a report with the credit bureau. This was very shady business practice to begin with that turned into unprofessional when trying to correct what was done.

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 2025-12-01 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: AK

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items contain inaccuracies or unverifiable data and must be fully investigated and corrected. 

Charged-Off EQ : XXXX XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$150.00} XXXX XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1300.00} Inquiries EQ : No inquiries listed. 

Late Payment EQ : XXXX XXXX, Account No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX, my checking account with Chime Bank was fraudulently charged {$18.00}. I did not make this transaction. However, the charge still remains pending according to Chime bank. Ive spoken to no less than XXXX different people at chime bank, requesting that they reverse this pending charge of {$18.00}. I have been told repeatedly that since the charge is still pending, they can not do anything to help me resolve the matter. And I have been instructed to call the merchant each time. I have called the merchant ( XXXX XXXX  ) on XX/XX/XXXX and spoke to XXXX, who informed me that XXXX XXXX does not have any record of this charge for {$18.00} on XX/XX/XXXX. I called my bank back to inform them that XXXX XXXX doesnt have any record of the pending charge, and was told to wait a few more days for the pending transaction to fall off. On XX/XX/XXXX I contacted Chime Bank customer service again to advise them that my account is still showing a pending charge of {$18.00} from XX/XX/XXXX. I was told that there is nothing further they can do. And transferred 3 times to other representatives who also told me to call the merchant and there is nothing they can do to reverse the pending charge on my account. Today, XX/XX/XXXX, I spoke to XXXX at XXXX XXXX customer service who said that the pending charge is the responsibility of Chime Bank, since the money lies with them. There is still no record of any pending charge from XX/XX/XXXX according to XXXX at XXXX XXXX customer service. He advised that I contact my bank once again to have them reverse the pending charge, since Chime Bank still has the money that was deducted from my account on XX/XX/XXXX. I tried twice today to get through to customer service at Chime, with XXXX success. I have no names of the people I have spoken to at Chime customer service, each person was very difficult to hear and/or understand. I think that this issue could have been resolved easily by Chime Bank in the first place. I did not make this transaction, the merchant has no record of this transaction, I believe the responsibility is on Chime to reverse the transaction and deposit the {$18.00} back into my checking account. I am a XXXX adult who is facing homelessness. I need every single cent I can get. Especially when its my money to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a dispute about multiple personal address entries ( and one employer ) on my credit file that are incorrect or no longer apply to me. The Fair Credit Reporting Act requires consumer reports to be accurate and complete, and I have previously submitted documents proving these items are wrong. Despite that, the entries remain. 

Please remove the following addresses and employer immediately they are not current, are inaccurate, or have never been associated with me : Addresses to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These incorrect entries risk damaging my credit record and could indicate identity or reporting problems. I previously provided supporting documentation ; therefore I request an explanation for why these items were not corrected after my earlier disputes and whether they will continue to be 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 non-monetary relief
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the accounts listed below. Please review the details provided for each bureau. 

Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$310.00} Late Payments 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-12-01 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
Re : Removal of Unauthorized Hard Inquiries and Mandatory Address Correction To Whom It May Concern, I am submitting this formal dispute to challenge unauthorized and unverified hard inquiries reporting on my credit file, as well as your continued failure to update my correct address despite multiple submissions of valid identification and proof of residency. These actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Under FCRA 604 ( a ) ( 2 ) and 604 ( a ) ( 3 ), no entity may access my consumer report without explicit, verifiable authorization. None of the companies responsible for the inquiries listed have provided signed applications, E-Sign compliant consent, IP logs, timestamps, or any legally acceptable documentation proving permissible purpose. Therefore, these inquiries are unlawful and must be deleted. 
The following categories of unauthorized inquiries must be removed : Auto lenders and dealerships using shotgun credit pulls Credit card issuers lacking signed or digital authorization Business-purpose inquiries improperly reported on personal credit Additionally, the only correct address that should appear on my credit file is : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 611 ( a ) ( 5 ) ( A ), you are required to correct inaccurate identifying information and remove unverifiable or incorrect addresses. I have already provided valid documents confirming my identity and residence, yet incorrect addresses remain, which is a direct violation of the FCRA

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 2025-12-01 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: RI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of the following accounts on my credit report. I request that these items be thoroughly investigated and updated or removed accordingly, as they appear to be reported inaccurately. Below are the accounts in dispute, separated by each credit bureau. 

Charge Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} XXXX XXXXXXXX ( XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
ssue : Unauthorized charge/ refused provisional credit / improper dispute handling PNC Bank denied my dispute for a {$2000.00} charge from XXXX for a money order transaction that was declined. I did not receive a money order and XXXX confirmed they did not receive the funds. This is an error under Regulation E. 

I filed the dispute within the required time period, but more than XXXX  days passed and PNC refused to issue provisional credit as required under the Electronic Funds Transfer Act. They denied the claim without completing a proper investigation and without providing documentation. 

PNC posted the transaction even though the merchant never completed the sale. I am requesting the CFPB require PNC to : Provide provisional credit immediately Provide documentation of their investigation Correct this improper charge PNCs refusal to apply Regulation E protections has caused financial harm and may be a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am writing to dispute the following accounts that I believe have been reported inaccurately on my credit report. Below is the detailed breakdown of the accounts in question, separated by bureau. 

XXXX, XXXX, XX/XX/XXXX, {$12000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank N. A. Reported on XXXX XXXX and XXXX  credit reporting agencies XXXX XXXX  and 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXXXXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
ask for debt validation letter have not provided me with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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