vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reviewing my credit report from TransUnion and noticed discrepancies regarding the charged-off accounts and inquiries. I request that TransUnion investigate these items thoroughly, and if any of these items can not be verified, they should be removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : First Statement : I am disputing the late payment records listed on my credit report for the following accounts. I request that these late payments be investigated and corrected if they are reported inaccurately. 

Late Payments : XXXX XXXX, Account No : XXXX XXXX XXXX, Account No : XXXX XXXX  XXXX, Account No : XXXX XXXX XXXX, Account No : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
Issue : Chime failed to properly address a fraud incident involving their Pay Anyone transfer feature. I was the victim of a scam, and Chime dismissed the matter without meaningful investigation or support. 

What happened : I was contacted by an individual offering sports tickets for sale on Saturday, XXXX XXXX.They sent highly convincing doctored screenshots, fake texts, and even a screen recording showing what appeared to be legitimate tickets. I have the full message history demonstrating that the seller misrepresented the product and knowingly deceived me. 

Based on these misrepresentations, I used Chimes Pay Anyone feature to transfer approximately {$400.00} to the individual. Once the transfer was sent, the individual immediately blocked me online and disappeared. This was a clear case of fraud. 

I contacted Chime immediately and I offered to provided all evidence, including the chat history and proof of deception. Chime refused to help in any capacity and repeatedly stated that Pay Anyone transfers are the same as giving cash to someone, and therefore they can not assist. When I asked about offering evidence, they declined and said they'll do so if they deem it as appropriate. They closed the dispute without conducting a meaningful review, and the fraudsters Chime account appears to still be active. 

Why I am filing a complaint : I understand that Pay Anyone transfers may not fall under Regulation E.

However, my concerns involve broader consumer protection issues : Chime did not meaningfully investigate the fraudulent account.

Chime dismissed the fraud report using a scripted response without reviewing the evidence I offered to provide.

Chime allowed a scammer to continue using their platform without taking action.

Chimes disclosures about the Pay Anyone feature are inadequateusers are not clearly warned that the feature functions like irreversible cash and offers zero recourse. 
I received inconsistent, unclear, and dismissive communication from Chime in response to a clear fraud incident. 

I am not only concerned for myself, but for the safety of other consumers who may be similarly defrauded through Chimes Pay Anyone system. 

Documentation I can provide : Full chat history showing deception Screenshots and screen recordings the scammer used The Pay Anyone transfer details Timeline of communication with Chime Evidence that the scammer blocked me immediately after receiving funds I am asking the CFPB to review Chimes handling of this fraud report and ensure proper consumer protection practices are followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit reports that I believe to be inaccurate. These discrepancies have had a significant negative impact on my credit score and my ability to secure favorable financial terms. Below, I have listed the accounts in dispute, separated by each credit bureau. 

Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
These accounts are not associated with me ; removal within 15 days is necessary per 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 2025-11-27 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: TX

Complaint narrative:
Would you mind going through this entry? It looks late and possibly flawed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood has been locking my for a whole week now and keep asking me for more information which I already previously provided, I only have XXXX $ in the account but I dont want to use their service anymore, and they wont let me take it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
Upon checking my credit report ive noticed some inquiries that are not mine i teported this information to the credit bureau in question and was told the ingormation would be deleted i have recived no further information into the deletions of these inquiries i have no financed linked account with any of these companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
Dear Sir/Madam, I am a consumer working to resolve inaccuracies and errors on my credit report. Below is a summary of the accounts in dispute across the three major credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( XXXX ). The following accounts are in dispute based on the reported inaccuracies. I request that these discrepancies be investigated and corrected. 

CHARGED OFF XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} INQUIRIES XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am reviewing my credit report from TransUnion and noticed discrepancies regarding the charged-off account and inquiries. I request that TransUnion investigate these items thoroughly, and if any of these items can not be verified, they should be removed from my credit report as per the Fair Credit Reporting Act ( FCRA ).

Charged Off : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am writing to dispute the following items on my credit report. Below are the accounts in dispute, separated by bureau. 

Charged Off Accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Date : XXXX Balance : {$1100.00} Inquiries : Account Name : XXXXXXXX XXXX Account Date : XXXX Late Payments : Account Name : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
Can you review this entry? It looks overdue and potentially mistaken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am disputing the following charged-off account and inquiry on my TransUnion credit report and would like it to be investigated for accuracy : Charged-Off Accounts : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries : No inquiries disputed for TransUnion. 

Positive Accounts ( Across All Bureaus ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX 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 2025-11-27 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:
I have no affiliation with these accounts ; they must be taken down within 15 days pursuant to 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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
CFPB COMPLAINT COLUMBIA DEBT RECOVERY / GENESISCRE Consumer Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX DOB : XX/XX/year>XXXX  Email : XXXX Phone : XXXX XXXX : XXXX Company : Columbia Debt Recovery / GenesisXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$6800.00} I am submitting this complaint because this collector is reporting a debt that is unverified, inaccurate, inconsistent, and legally defective. This account has caused significant harm to my creditworthiness, and the collector has failed to prove that I owe this debt or that they have any legal right to collect or report it. 
I disputed this account and demanded validation as required under FDCPA 15 U.S.C. 1692g. Despite this, the collector has continued to furnish information without providing ANY of the required documentation, including : Full detailed itemized payment history Original contract with my wet signature Proof of written consent to obtain or furnish my personal information Chain of title showing every transfer of ownership of this debt Assignment documentation proving legal right to collect Insurance claims filed related to this debt Method of verification per FCRA 1681i ( 7 ) FCRA Violations : 1681e ( b ) Information furnished is not accurate, complete, or consistent 1681i ( a ) ( 1 ) ( A ) No reasonable investigation was performed by the bureaus 1681i ( 5 ) ( A ) Unverifiable information must be deleted 611 Failure to reinvestigate and verify FDCPA Violations : 1692g ( b ) Continued reporting without validation 1692cc Prohibited communication/collection activity 1692e False, misleading reporting 1692f Unfair collection practices This collector has no permissible purpose to access, furnish, or maintain my personal information. I did not give consent for any reporting or collection activity. 
Requested CFPB Action : Require full legal validation OR permanent deletion of this unverified collection Enforce compliance with FDCPA & FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
Review the documents ; the inquiries came unexpectedly and may lack prior approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am filing this complaint because the credit bureaus Equifax and TransUnion are reporting inaccurate, unverified, and potentially fraudulent accounts on my credit report. My personal information has been exposed in several national Data Breaches, which increases the likelihood of identity misuse and unauthorized account activity. 

Under FCRA 602A, 605B, and 611, I am requesting that Equifax and TransUnion conduct a proper investigation, provide full verification, or delete the accounts immediately if they can not be fully validated. 

The following accounts are not mine/ inaccurate / unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items may be tied to fraudulent activity due to exposure of my personal information in major Data Breaches ( including widely documented national breaches such as Equifax XXXX, XXXX XXXX, and others ). As a result, I am disputing these accounts because I can not confirm legitimacy, origin, or authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because the credit bureaus Equifax and TransUnion are reporting inaccurate, unverified, and potentially fraudulent accounts on my credit report. My personal information has been exposed in several national Data Breaches, which increases the likelihood of identity misuse and unauthorized account activity. 

Under FCRA 602A, 605B, and 611, I am requesting that Equifax and TransUnion conduct a proper investigation, provide full verification, or delete the accounts immediately if they can not be fully validated. 

The following accounts are not mine/ inaccurate / unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items may be tied to fraudulent activity due to exposure of my personal information in major Data Breaches ( including widely documented national breaches such as Equifax XXXX, XXXX XXXX, and others ). As a result, I am disputing these accounts because I can not confirm legitimacy, origin, or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
Transunion is not responding to identity theft that was put on my credit report. They send me a letter that will be attach to this complaint, I have several inquiries that was not authorize by me and or is associate with any account on my credit report. XX/XX/XXXX Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also inquiries on date XX/XX/XXXX from XXXX, XXXX, XXXX XXXX, XXXX XXXX. Fraudulent activities was made under auto loan from XXXX XXXX XXXX  on XX/XX/XXXX. From previous reports the car i owed was never deleted off my credit report XXXX. Furthermore XXXX AND XXXX was never deleted from my account from previous report i sent to cfpb. Collection was made on XX/XX/XXXX that was not authorize by me on transunion report. EQUIFAX reporting wrong name on my credit report XXXX  XXXX XXXX. Also equifax reporting wrong address associated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX reporting PAID IN FULL LOAN XXXX XXXX XXXX Closed accounts that are not associated and or is authorize by me XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES not associated and or is not authorize by me is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX not associated with and or is authorized by me is XXXX XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
Dear Sir/Madam, I am disputing inaccuracies on my Experian credit report. These errors appear to violate the Fair Credit Reporting Act ( FCRA ), and I am concerned about the integrity of my personal information due to the potential for a data breach. Below are the accounts in question. 
Disputed Accounts on Experian Report : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Type : Revolving Balance : {$200.00} Account Status : Positive Violations : FCRA Violation : Incorrect balance and payment history reporting. 
XXXX XXXX : Please confirm if a data breach could have impacted this account 's details. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : U.S. Department of Education Account Type : Installment Balance : {$15000.00} Account Status : Positive Violations : FCRA Violation : Please verify that the reported balance and payment status are accurate. 
Data Breach : Confirm if my personal information related to this account has been compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
The entry contains inaccuracies regarding my financial activity. Please revise it upon review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TN

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 there 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