vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX. I obtained my credit reports from XXXX XXXX XXXX and discovered multiple errors that the credit bureaus refuse to properly investigate or correct. This complaint is against all three major credit bureaus for failing to comply with the Fair Credit Reporting Act including 15 USC 1681e b 1681g and 1681i.

I submitted a specific and valid dispute with supporting identification and documents. Despite this the credit bureaus have continued to report inaccurate and unverifiable data. They also failed to provide the required method of verification and full file disclosure that federal law requires.

Below are the disputed items that remain inaccurate or unverifiable Incorrect personal information Previous address XXXX XXXX XXXX XXXX MI XXXX Previous address XXXXXXXX XXXX XXXX XXXXXXXX MI XXXX Employer XXXX Employer XXXX XXXX Late payment and charging reporting errors XXXX XXXXXXXX account ending XXXX XXXX  XXXX account ending XXXX XXXX XXXX  XXXX account ending XXXX XXXX account ending XXXX XXXX XXXX  XXXX account ending XXXX XXXX XXXX  XXXX account ending XXXX XXXXXXXX XXXX XXXXXXXX account ending XXXXXXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXXXXXX closed paid account ending XXXX XXXXXXXX XXXX XXXX closed paid account ending XXXX XXXX XXXX XXXX closed paid account ending XXXXXXXX XXXX XXXXXXXX closed paid account ending XXXX XXXX  charge off account ending XXXX XXXX XXXX XXXX closed paid account ending XXXX XXXX XXXX XXXX XXXX XXXX closed paid account ending XXXX I have reason to believe that these accounts are inaccurate incomplete or can not be verified as required by federal law. If any part of the tradeline including payment history balance date opened or status is wrong the entire account must be deleted under 15 USC 1681i a 5.

FCRA violations committed Failure to ensure maximum possible accuracy under 15 USC 1681e b Failure to conduct a reasonable reinvestigation under 15 USC 1681i Failure to provide method of verification under 15 USC 1681i a 7 Failure to provide full file disclosure under 15 USC 1681g

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ca XXXX Subject : Formal Request for Debt Validation - Account XXXX XXXXXXXX Dear Debt Collector 's Name or To Whom It May Concern, I am writing to request validation of the debt you claim I owe, which was referenced in your communication dated [ Date of collector 's letter/call ]. 
I hereby dispute this debt and request that you provide me with written verification of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g. 
Please provide the following documentation : XXXX. The exact amount of the debt. 
XXXX. The name and address of the original creditor. 
XXXX. Documentation that proves I have a legal obligation to pay this debt, such as a copy of the original contract or agreement bearing my signature. 
XXXX. Documentation that demonstrates that your company has the legal right and authority to collect this debt. 
Until I receive the requested validation, any collection activity must be ceased. Failure to provide this validation within 30 days of your receipt of this letter will be seen as an admission that your company can not validate the debt, and I will require you to cease all collection attempts and remove any negative reports regarding this debt from my credit file. 
This is not an acknowledgment of liability for this debt. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I did not give this this company consent to report my personal info on my consumer report, this is consider aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
Request for Investigation of Inaccurate Credit Report Items Dear Consumer Financial Protection Bureau, Im writing to dispute several inaccurate items on my credit report that are negatively affecting my score. After reviewing my reports, I found the following accounts need investigation : XXXX XXXX XXXX {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX 6 missed payments ( closed ) XXXX XXXX XXXX XXXX  5 missed payments ( closed ) XXXX XXXX  XXXX 3 missed payments ( closed ) These items appear unverifiable or incorrect. Under the Fair Credit Reporting Act, please investigate and remove any entries that can not be fully verified.

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX PA XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
Request for Investigation of Inaccurate Credit Report Items Dear Consumer Financial Protection Bureau, Im writing to dispute several inaccurate items on my credit report that are negatively affecting my score. After reviewing my reports, I found the following accounts need investigation : XXXX XXXX XXXX {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX 6 missed payments ( closed ) XXXX XXXX XXXX XXXX  5 missed payments ( closed ) XXXX XXXX  XXXX 3 missed payments ( closed ) These items appear unverifiable or incorrect. Under the Fair Credit Reporting Act, please investigate and remove any entries that can not be fully verified.

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX PA 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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Huntington Debt Holding LLC
State: PA

Complaint narrative:
According to the 15 USC 1692 I requested documentation I only reviewed the electronic submission from XXXX  but not where they are authorized to collect with a signature from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a new business account with Truist Bank under XXXX XXXX XXXX XXXX. Shortly after opening, I deposited two legitimate business checks totaling {$10000.00} : Check XXXX XXXXXXXX from XXXX XXXX XXXX for {$9300.00}, and Check XXXX XXXX XXXXrom XXXX XXXX for {$1300.00}. 
Both checks were verified by their issuing institutions and cleared successfully by XX/XX/year>, confirming final settlement under XXXX XXXX. Despite this, Truist Bank closed my new account and continues to withhold the cleared funds. The issuing bank confirmed this procedure is not standard, and no fraud indicators exist. 
Impact : Truists decision has directly caused loss of working XXXX  and delayed my ability to complete an approved investment property purchase at XXXX XXXX XXXX XXXX XXXX, SC XXXX, which was projected to yield a {$48000.00} profit ( 222.8 % ROI ). This lost opportunity has materially harmed my business and ongoing contractual relationships. 
Legal Basis : Under UCC 4-215 and 4-302, Truist had no right to retain cleared funds after final payment.

Continuing to withhold them constitutes bad-faith banking conduct and unjust enrichment.

The disparate treatment also raises concerns of racial discrimination, as I, an African-American business owner, was denied access to cleared funds in a manner inconsistent with standard banking procedures. 
Requested Resolution : XXXX. Immediate release of the full {$10000.00} to XXXX XXXX XXXX XXXX. 
XXXX. Formal investigation into Truist Banks handling of this matter and potential discriminatory actions. 
XXXX Review of damages caused by the lost investment opportunity and business income. 
Attachments Provided : Cleared check images and transaction confirmations Demand letter to Truist Bank ( dated XX/XX/year> ) Property report for XXXX XXXX XXXX XXXX showing {$48000.00} projected profit ) Bank correspondence confirming account closure and withheld funds Submitted by : XXXX XXXX Managing Member XXXXXXXX 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 2025-10-28 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: WA

Complaint narrative:
I am writing to formally dispute inaccurate address information appearing on my Experian consumer file and to request that you correct and update my file in accordance with the Fair Credit Reporting Act ( FCRA ). The address currently reported that does not belong to me is : Correct address to be added/ updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX Inaccurate address to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX This inaccurate address is causing confusion and is not my current or prior residence to my knowledge. Under the FCRA, I am entitled to dispute incomplete or inaccurate information and to have it investigated and corrected. Please investigate this matter, delete/remove the inaccurate address listed above from my file, and update all consumer report ( s ) and any derivatives to reflect my correct address shown above.

Enclosed are copies of documents that verify my identity and current residence : Government-issued photo identification Proof of current residence showing the correct address ( recent utility bill, bank statement, or lease agreement ) ( copy ) Please complete your reinvestigation and notify me of the results in writing. If you determine the information is inaccurate or can not be verified, I request that you promptly delete or correct it and send me a free, updated copy of my consumer report showing the corrected address. If you forward any portion of my file to third parties ( furnishers, other CRAs, or users of the report ), please ensure they receive the corrected information.

For reference, you may use this letter as my formal dispute under FCRA Section 611 ( 15 U.S.C.

1681i ). If you require any further documentation to complete your investigation, please inform me in writing at the address above or by the telephone number below.

By law, I am entitled to a credit report that is accurate, complete, and verifiable. The applicable statutes supporting my dispute include : FCRA 611 ( 15 U.S.C. 1681i ) Provides my right to dispute inaccurate information and mandates reinvestigation.

Thank you for your timely attention to this matter. I look forward to receiving confirm

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 2025-10-28 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
XXXX  verified a Portfolio Recovery Associates account that has already been proven fraudulent and unverifiable. PRA was unable to validate ownership or provide documentation of the alleged XXXX XXXX debt. Despite prior CFPB complaints confirming PRA ceased communication, XXXX  continues to report this account as accurate, violating FCRA 611 ( a ) for failing to conduct a reasonable reinvestigation and 623 ( a ) ( 1 ) ( A ) for reporting inaccurate information. XXXX XXXX XXXX  confirmed the account was closed as fraud and removed from all other credit bureaus. Due to the federal government shutdown, I am unable to file a formal FTC affidavit but maintain an active fraud victim alert on all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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 am not associated with these accounts ; they should be removed within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
Hi, Experian Information Solutions I reviewed a copy of my credit report and I noticed that i have these inquiries that wasn't authorized by me. Under the 15 U.S Code 1681b, a credit inquiry only be made for permissible purpose, If a inquiry wasn't authorized by me, THIS INQUIRY MUST BE DELETE. Additionally, under the 15 U.S Code 1681i, I have the right to dispute all the Inaccurate information that appear in my credit report Unauthorized Inquiries : XXXX. XXXXXXXX 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 2025-10-28 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 have not consented to this inquiry, nor did I speak with the lender on the specified date.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year>, multiple unauthorized transfers totaling {$390.00} were made from my Chime Spending Account. 

XX/XX/year>, I received an email alert that someone logged into my account from XXXX, Maine, a location where I have never been. Shortly after that alert I received email notifications of multiple transactions I did not authorize. l immediately called Chime to dispute the transactions. While waiting for an agent l ultimately accessed my account using XXXXXXXX XXXX  and confirmed the unauthorized transfers. I then verbally provided Chime with proof of the out-of-state login and unauthorized transfers over the phone to submit dispute. 

Immediately after filing the dispute, by phone, I was walked through changing my password. I also requested new account information because the hacker accessed my account, meaning they were able to see my account and routing information, this request was denied. This makes me feel unsafe as a consumer. 

On XX/XX/XXXX, I was notified via email that the investigation was closed with the response of no error occurred and I was then given no evidence showing I authorized these transfers. 
I did not authorize, initiate, or benefit from these transfers, and I never shared my login credentials or card information. 

After the first dispute denial, I contacted Chime immediately ( by phone with the assistance of my Father ) and I was falsely accused by a manager with a poor attitude that I made these transfers from my phone, although, the manager later stated that he had no access to the investigation information and he did not come up with the final decision, he then stated he would get me over to someone who can help me after being so rude. I was then transferred to another representative that could not assist me, denied manager request and then transferred to another representative that finally reopened the dispute for reinvestigation. Additionally, I asked for detailed information that lead to the conclusion of denial for initial dispute, via phone and email. 

Finally, I was notified on XX/XX/year> via email my second dispute was denied with the response of no error occurred also with no evidence showing I authorized these transfers. 

Ive also expressed to multiple reps that not only was the money I already earned and worked for stolen but this now cutting into this weeks check because the scammer took out a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and I live alone, I work a XXXX and I can not afford these type of occurrences. Some reps were sympathetic some were not but the last manager I spoke with was outright rude! This does not make me feel valued as a customer. After researching and finding out that Chimes main profit is from me swiping my card and holding money in my account it should be in the companys best interest to have representatives that better handle customers and their requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
Im filing this complaint because all three credit bureaus, Experian, Equifax, and TransUnion, are reporting inconsistent and inaccurate information for my XXXX account. 

The same account show different dates, balances, credit limits, and charge-off statuses on each report. I mailed dispute letters to all three bureaus on XXXX XXXX XXXX, with proof and documentation, but I never got a response from any of them. Its now been well over 30 days. 

I just want whats on my credit report to be accurate and fair. Right now, the information doesnt line up, and its hurting my credit score and credibility. Im not trying to get out of anything, I just want the errors fixed or removed if they cant be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Experian. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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 writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Experian. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

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