vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute of Inaccurate/Unverified Account Reporting AR Resources Inc . 

To Whom It May Concern, I am formally disputing the accuracy and validity of the account being reported by XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX | ( XXXX ) XXXX ) in the amount of {$870.00}, recently placed on my credit report. 

This account is being reported in violation of my rights under : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. You are required to ensure all information reported is accurate, complete, and verifiable. If the furnisher of information can not provide proper documentation proving the validity of this alleged debt, it must be deleted immediately.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Upon notice of dispute, the CRA must conduct a reasonable reinvestigation within XXXX days. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher may not report information that it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f Debt collectors may not use false, deceptive, or misleading representations, nor report unverifiable debts to credit reporting agencies. 

I demand that this account be deleted immediately from my credit file with your bureau. If AR Resources can not provide proper documentation bearing my signature, contract, and full chain of title validating the debt, then reporting this item is unlawful. 

This is my final notice. I am requesting that this inaccurate account be removed within XXXX business days of receipt of this letter. Failure to comply will leave me no choice but to pursue legal remedies for damages under 15 U.S.C. 1681n and 1681o, which allow for actual, statutory, and punitive damages, plus attorneys fees. 

Please send me written confirmation that this account has been permanently deleted. 

Sincerely, 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 2025-08-27 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute of Inaccurate/Unverified Account Reporting AR Resources Inc . 

To Whom It May Concern, I am formally disputing the accuracy and validity of the account being reported by XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX | ( XXXX ) XXXX ) in the amount of {$870.00}, recently placed on my credit report. 

This account is being reported in violation of my rights under : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. You are required to ensure all information reported is accurate, complete, and verifiable. If the furnisher of information can not provide proper documentation proving the validity of this alleged debt, it must be deleted immediately.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Upon notice of dispute, the CRA must conduct a reasonable reinvestigation within XXXX days. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher may not report information that it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f Debt collectors may not use false, deceptive, or misleading representations, nor report unverifiable debts to credit reporting agencies. 

I demand that this account be deleted immediately from my credit file with your bureau. If AR Resources can not provide proper documentation bearing my signature, contract, and full chain of title validating the debt, then reporting this item is unlawful. 

This is my final notice. I am requesting that this inaccurate account be removed within XXXX business days of receipt of this letter. Failure to comply will leave me no choice but to pursue legal remedies for damages under 15 U.S.C. 1681n and 1681o, which allow for actual, statutory, and punitive damages, plus attorneys fees. 

Please send me written confirmation that this account has been permanently deleted. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence serves as a dispute of a fraudulent account reported under my credit file. I never authorized or opened this account, and I have no connection to it. Its reporting is inaccurate, misleading, and has a negative impact on my financial credibility.

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 2025-08-27 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 writing to formally request the removal of certain credit inquiries from my credit report. Upon reviewing my credit report, I noticed the following inquiry/inquiries that I believe to be unauthorized or inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized by me, nor do I have any current or past relationship with the companies listed. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and subsequently removed from my credit file. 
I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Please find attached a copy of my credit report with the inquiries highlighted, as well as a copy of my identification for verification purposes. 
I would appreciate your prompt attention to this matter and request confirmation once the inquiries have been removed.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I reviewed my credit report because of a n alert to my credit report.. I do not know anything about this debt. I am a victim of identity theft. I recently found out that my personal information has been used fraudulently without my authorization. 
The sent hit my credit report on XX/XX/year> for the amount of {$19.00}, XXXX from Professional Debt ME. I could not find information to contact the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent the company showed on my credit reports a debt verification letter that they received certified mail on XX/XX/year>. I waited 14-15 days for a response but the company XXXX XXXX XXXX did not send me anything validating any potentially owed debt not even a 1099c, so I proceeded to send an affidavit by certified mail to the bureaus. Equifax received theirs XX/XX/year> Experian received theirs XX/XX/year> and TransUnion received theirs XX/XX/year>. As of today the negatively inconsistently incorrect reporting was not removed

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 2025-08-27 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX 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 2025-08-27 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: AR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-27 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: AR

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> over XXXX transactions took place from my Chime account # XXXX thru XXXX XXXX ( Rounting # XXXX ). All the transactions went to random XXXX games within seconds of each other between XXXX and XXXX equaling {$1200.00}. I first contacted Chime on XX/XX/XXXX and was advised that nothing could be done because the transactions were still pending. On XX/XX/XXXX I called again and this time made a dispute and I was advised to make a police report. The outcome was that they denied there was no error and therefore I was not eligible for getting my money back. On XX/XX/XXXX I filed the police report then contacted chime again to let them know about the police report. I was sent a one time link to upload any evidence I had regarding the fraudulent charges weren't me. On XX/XX/XXXX i spoke with chime again after receiving another denial. I made another dispute, only to get denied for a 3rd time. On XX/XX/XXXX XXXX husband spoke with them again asking for their supporting documents ( ticket # XXXX ) which i hadn't received. Long story short they could do nothing, they do not have email to email back and forth and their claims department doesnt have email. The claims department people and the customer service people dont ever actually speak or see each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request the correction of inaccurate personal information currently appearing on my credit report, as these errors have been causing me significant difficulties with my credit applications, which is extremely frustrating and unfair.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am submitting a formal complaint regarding Ally Banks refusal to release the lien on my vehicle despite full payment of the principal balance. 

Loan Details : Lender : Ally Bank Account Number : XXXX Vehicle : XXXX XXXX XXXX As of XX/XX/XXXX, I have paid the full principal balance of this loan. However, Ally Bank has not released the lien or issued my vehicle title, citing {$600.00} in late fees. These late fees are not part of the secured loan balance, and under the terms of my loan agreement and Ohio Revised Code 4505.13, the lien must be released immediately once the secured balance is satisfied. 

I request the Departments assistance in : 1. Ensuring Ally Bank releases the lien and issues my vehicle title immediately.

2. Confirming that any late fees outside the secured balance can not legally block lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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