vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Complainant : XXXX XXXX Subject : Inaccurate Late Payment Reporting Violation of FCBA and FCRA I, XXXX XXXX, am submitting this formal complaint to report the failure of a credit reporting agency and its data furnishers to correct inaccurate information regarding my payment history, despite my previous dispute filed over 35 days ago. I am acting on my own behalf, not through a third party, and I am exercising my legal rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

The following accounts are still reporting late payments, despite my billing error dispute under 15 U.S. Code 1666 ( b ), which applies in cases of : Failure to properly apply or reflect a payment or credit Creditor accounting or computation errors Failure to provide proper advance notice ( at least 21 days ) before assessing late fees or reporting delinquencies To date, I have not received any supporting documentation validating that these late payments were reported accurately. Under federal law, if the creditor or data furnisher can not produce verifiable proof that I was actually late, then this inaccurate information must be corrected or removed immediately from my credit file. 

Disputed Accounts : 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 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 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

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 XXXX XXXX XXXX. 

XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX section XXXX A. States I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/year> I called my bank as I had seen charges that included ach and debit card charges from the same merchant named XXXX XXXX. My bank Citi bank rep told me they had to do 2 separate disputes- 1 for ach payments taken out of my account unauthorized Ref # XXXX and then there were also multiple debit card charges taken from my account they gave me a ref # of XXXX. Within 2 days the ach charges were reversed back to my checking account. On the unauthorized debit card transactions they cancelled my debit card and then sent me a new one which i received in about 5 business days. About 10 days later i receive a notice stating that the debit card transactions were no going to be reversed back to my account. I then called in and requested another dispute and also the information they used for there investigation- in which was clearly on the letter i received stating I had the right to that information. I have yet to receive those documents. During my conversation with the agent I also requested that my dispute be re -reviewed so they created another case number to review of the dispute XXXX which was created on XX/XX/XXXX. XX/XX/year> I receive a notice that once again my dispute of unauthorized debit card charges was denied. I then call in again to request the documentation and was told again 7-10 days to receive. I also asked for a phone number to the merchant that I didnt not authorize any charges on my card. The representative coudl not locate a phone number for the merchant. all they could find was a generic email address. At no time has my bank tried to reach out regarding my dispute claim of these charges to assist me in recovering money that i didnt not spend or authorize to a merchant that has no phone number even. They reversed the ach but did not reverse the debit card charges. Why? I am requesting all charges reversed back to my account that were disputed. thank you

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX XXXX XXXXXXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX * * * * Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Inquiries Included in Dispute : XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
Hello, I am writing to report issues with hard inquiries and negative accounts that are appearing on my credit report without proper validation or my full authorization. 

Specifically, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and some false medical debt are currently listed on my credit profile. These accounts and inquiries are negatively impacting my credit score and access to funding opportunities. 

Some of these accounts should no longer be valid due to the time passed or incorrect reporting. I believe I am protected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) as a consumer. These acts grant me the right to dispute inaccurate or unverifiable information and to request full investigation and removal of such data if not substantiated. 

I have attempted to resolve this, but the information remains on my report. I respectfully request a review of these items and a removal of any unverified or unauthorized hard inquiries and accounts. 

Thank you for your help in protecting consumers and ensuring fair reporting standards. 

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX # XXXX - Balance {$160000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Need state ID updated on profile as well. As name needs to be fixed name is not XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX There will not be no, XXXX, XXXX, XXXX XXXX on credit report only 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ubject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report oy credit bureau Namel.experian Details of the Dispute : XXXX. Incorrect Name My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ Incorrect Name on my credit XXXX XXXX XXXX report. I request that my name be updated to renect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX while my creatt report shows an outdated address or [ XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I request that [ EXPERIAN, TRANSUNION, EQUIFAX ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at [ XXXX ] or by email at [ XXXX ]. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
ubject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report oy credit bureau Namel.experian Details of the Dispute : XXXX. Incorrect Name My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ Incorrect Name on my credit XXXX XXXX XXXX report. I request that my name be updated to renect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX while my creatt report shows an outdated address or [ XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I request that [ EXPERIAN, TRANSUNION, EQUIFAX ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at [ XXXX ] or by email at [ XXXX ]. 
Thank you for your prompt attention to this matter.

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 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
I initially called Chime because they took money from my account without notice. During that call, I explained the situation and asked the representative if I owed Chime any more money. I was clearly told no that I didnt owe anything further. 

Based on that assurance, I expected my next direct deposit to remain untouched. However, when it arrived, Chime took more money from my account without any notice or breakdown of the charge. 

I called again to question this and asked for a copy of the call recording or written proof of what I was told they refused. I also asked for the name of both the representative I previously spoke with and the one I was speaking to during the current call, and they refused to give me any names. When I mentioned that I would be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the agent told me I could continue as I please. Then, during that same call, the agent informed me that my account had been placed on a security hold, restricting my access to funds. 

I believe this was done in direct retaliation for raising concerns and mentioning the CFPB. Chimes actions have caused me financial harm, and I believe this behavior is deceptive and unjust. Im requesting a full written breakdown of all transactions, an explanation of why my money was taken after being told I owed nothing, and immediate removal of the security hold on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Formal Dispute and Request for Deletion of Vehicle Repossession Violation of FCRA, TILA, and ECOA I am formally disputing the accuracy and legality of a vehicle repossession account being reported on my credit file. The information provided by XXXX is inaccurate, incomplete, and possibly unlawfully reported in violation of federal law. Please investigate and delete the following entry from my credit report : XXXX : XXXX Account XXXX Date of XXXX Grounds for Dispute : Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681c-2 ) : The furnisher of this information has not complied with their obligation to report accurate and fully verifiable information. If this account can not be substantiated by original documents, it must be deleted. I am also asserting my rights under 1681c-2 to block the reporting of information that is either erroneous, fraudulent, or can not be properly verified. 

Violation of the Truth in Lending Act ( 15 U.S.C. 1635 ) : If this loan was secured with my primary residence or tied to any lien without proper disclosure, I was not notified of my right to rescind the transaction. Under 1635, this is a violation that can extend rescission rights up to XXXX years from the date of the transaction, which could invalidate the terms and enforcement of the loan and any resulting repossession. 

Possible Violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) : I am also requesting a review to determine whether any discriminatory practices were involved in the approval, servicing, or collection of this account. I was not given proper notice or justification for the adverse action, which is required under 1691 ( d ).

Requested Action : I am requesting the immediate investigation and removal of this repossession from my credit report. If the original creditor or data furnisher can not verify this information with complete accuracy, it must be permanently removed as required by 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 non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
Formal Dispute and Request for Deletion of Vehicle Repossession Violation of FCRA, TILA, and ECOA I am formally disputing the accuracy and legality of a vehicle repossession account being reported on my credit file. The information provided by XXXX is inaccurate, incomplete, and possibly unlawfully reported in violation of federal law. Please investigate and delete the following entry from my credit report : XXXX : XXXX Account XXXX Date of XXXX Grounds for Dispute : Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681c-2 ) : The furnisher of this information has not complied with their obligation to report accurate and fully verifiable information. If this account can not be substantiated by original documents, it must be deleted. I am also asserting my rights under 1681c-2 to block the reporting of information that is either erroneous, fraudulent, or can not be properly verified. 

Violation of the Truth in Lending Act ( 15 U.S.C. 1635 ) : If this loan was secured with my primary residence or tied to any lien without proper disclosure, I was not notified of my right to rescind the transaction. Under 1635, this is a violation that can extend rescission rights up to XXXX years from the date of the transaction, which could invalidate the terms and enforcement of the loan and any resulting repossession. 

Possible Violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) : I am also requesting a review to determine whether any discriminatory practices were involved in the approval, servicing, or collection of this account. I was not given proper notice or justification for the adverse action, which is required under 1691 ( d ).

Requested Action : I am requesting the immediate investigation and removal of this repossession from my credit report. If the original creditor or data furnisher can not verify this information with complete accuracy, it must be permanently removed as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent your company a letter disputing the account numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2024. I received a response from you dated XX/XX/2024, where you stated that the item has been deleted. Please see copy of both letters enclosed. 



After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within XXXX  days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the items. 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