vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: WA

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( 7 ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair 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 2025-12-08 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: OH

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-12-08 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint because multiple charge-off and collection accounts are being reported on my credit file that I have no knowledge of, did not authorize, and did not open. These accounts appear to be inaccurate, unverifiable, and possibly the result of reporting errors or identity-related issues. I am requesting an immediate investigation and removal of any accounts that can not be fully verified with original documentation and proof of ownership. 
ACCOUNTS IN DISPUTE ( ALL ARE UNKNOWN & NOT MINE ) XXXX XXXXXXXX XXXX XXXX  Charge-Off High Balance {$2700.00} Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off High Balance {$1300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off High Balance {$680.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off High Balance {$1800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge-Off High Balance {$420.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off High Balance {$680.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection High Balance {$1300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection High Balance {$1300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection High Balance {$420.00} Opened XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  Collection High Balance {$850.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Collection High Balance {$680.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Collection High Balance {$2300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection High Balance {$820.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection High Balance {$710.00} Opened XX/XX/XXXX These accounts are not mine , I never opened them, and I never signed any agreement with these companies. I am requesting verification under the FCRA, including full account-level documentation, original signed contracts, complete payment history, and proof that these accounts actually belong to me. If the furnishers can not provide legally required verification, these accounts must be deleted from my credit report immediately. 
I am requesting the CFPBs assistance to ensure these companies comply with federal law and correct or remove any inaccurate, fraudulent, or unverified information harming my credit profile. 
Thank you for your attention.

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 2025-12-08 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:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
have asked for information on this debt with no luck. they have not shown me where this debt came from and i have never had any loan through this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 filing this complaint against XXXX XXXX XXXX XXXX XXXX  ) for their continued refusal to comply with federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, after I properly disputed an account that does not belong to me. This company has repeatedly verified a fraudulent or inaccurate charge-off on my credit report without supplying any documentation, contracts, signatures, or proof of liability. 

I filed a dispute with the credit bureaus AND an FTC Identity Theft Report, and XXXX still refuses to comply with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Kikoff Inc.
State: GA

Complaint narrative:
I am filing this complaint against Kickoff ( Kick Lending LLC ) for their continued refusal to comply with federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, after I properly disputed an account that does not belong to me. This company has repeatedly verified a fraudulent or inaccurate charge-off on my credit report without supplying any documentation, contracts, signatures, or proof of liability.

I filed a dispute with the credit bureaus AND an FTC Identity Theft Report, and Kickoff still refuses to comply with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On Thursday XXXX XXXX ( XXXX ) I woke up to find myself locked out of my mobile banking app ( Chime ). Since I didnt know my password I had to wait until I got home the next day to retrieve my password. When I finally log back into my banking app I see there are 28 successful unauthorized transactions on my account varying from $ XXXX $ XXXX $ XXXX {$9.00} sequentially back to back between two unknown recipients. Somehow access was gained to my banking app or account which kicked me out and they proceeded to send multiple transactions resulting in a total loss of {$460.00}. I contacted chime and filed a dispute on XXXX XXXX and two days later chime emailed me and said their investigation didnt discover any error and that my claim was closed. I called back and the only assistance they could offer was to file a police report which I am currently doing but chime would not provide me with the names of the unauthorized recipients. My current actions are filing with CFPB & FTC

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution XXXX not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-08 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: AL

Complaint narrative:
This is a follow-up complaint regarding [ Experian / Equifax / TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX * * * * XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposit a personal check on XX/XX/year> into my citi bank online banking app. XXXX didnt release due to suspicious fraudulent activity because was check has no payee name it was a mistake from the author of that check and I didnt notice it until it was deposit into the account. So citi ask me to verified with the author of that check and we successfully verified and Citi fraudulent department clear the transaction process and send to Citi back office to release the fund to me. Now its been more then a years I called every other day that I told call back in XXXX hr for updates and there is no update from the back office.Citi agreed that fund is now belongs to me and they still not sending out the funds that legally belong to me

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 monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
upon me reviewing my credit reports, i noticed some accounts that were opened fradulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
upon me reviewing my credit reports, i noticed some accounts that were opened fradulent

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I sent {$700.00} through MoneyGram to my niece in XXXX more than one month ago. The money has still not been received in her bank account. There has been no successful payout, no deposit confirmation, and no traceable transaction proof. 

Both the recipient and I have called MoneyGram customer service numerous times across several weeks. Each contact resulted in no resolution or clarity. 

When my niece called, she was told that her case and investigation would take 21 days. More than 21 days have passed without : deposit, confirmation number, escalation update, or explanation of where the funds are. 

During my calls, MoneyGram repeatedly told me to have the receiver contact them even though my niece already contacted them several times, and the support agents did not acknowledge earlier conversations. 

MoneyGram agents claimed that the funds had already been received. However, when I asked for evidence or documentation of receipt such as a bank deposit confirmation, reference ID, or proof of payout they could not provide any proof. I asked the representative a direct yes/no question : Has she actually received the money? The agent answered yes, yet refused to provide verification or supporting documentation, stating that I am not entitled to information once money is sent and that I am hands off.

MoneyGram can not classify a transaction as received without : a bank deposit, a pickup record, or verifiable payout information.

A separate issue concerns the accuracy of MoneyGrams internal recordkeeping. A representative told us that the escalation case opened on XX/XX/XXXX, which is not accurate. We began calling and reporting the missing transfer several days after the expected receipt date, long before XX/XX/XXXX. Claiming the escalation only began on XX/XX/XXXX is factually incorrect and does not reflect the earliest dates we reported the problem. This misrepresentation matters because it artificially shortens the investigation timeline and delays resolution.

As of today : No funds have reached the recipients bank account, No trace, confirmation, or deposit reference has been produced, The promised 21-day investigation passed with no outcome, Customer service calls from both sender and recipient have been unproductive, And MoneyGram continues to hold funds without refund, proof of receipt, or escalation resolution.

I am requesting one of the following : 1. Written proof of successful receipt or bank deposit or 2. Immediate cancellation and full refund, since the money was never received.

I requested the matter be escalated to MoneyGrams compliance department because standard customer service has been unable to resolve the situation for more than a month, despite repeated inquiries from both sender and receiver.

Company response to consumer: Closed with explanation