vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX - {$34000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$48000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX - {$520.00} XXXX & XXXX # XXXX XX/XX/XXXX XXXX {$290.00} XXXX XXXX # XXXX XX/XX/XXXX - {$190.00} XXXX  XXXX # XXXX XX/XX/XXXX - {$210.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$350.00} XXXX # XXXX XX/XX/XXXX - {$280.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX - {$780.00}

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On several occasions I have tried to dispute fraudulent activities on my chime account, they would either give me a temporary credit or deny it all together they never give me the requested documents that leads them to deny my dispute only instead sending me a generic email! Im just trying to create a paper trial before I take them to small claims court, they do so much unethical business they overdrew my account and Im leaving it just like that I will not use any of my money with this place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-11-19 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-19 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX Subject : Identity Theft Request to Block Information Under 15 USC 1681c-2 To Whom It May Concern, My name is XXXX XXXX, DOB XX/XX/year> XXXX SSN ending XXXX, and I am a victim of identity theft. I am requesting the immediate blocking and removal of the fraudulent accounts listed below in accordance with 15 USC 1681c-2 of the Fair Credit Reporting Act. 

These accounts were not opened by me and must be blocked : FRAUDULENT ACCOUNTS XXXX  TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX  Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian Only ) Experian Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX ( TransUnion Only ) TransUnion Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX TransUnion Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  ( Equifax Only ) Equifax Account # : XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$530.00} TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} CXXXX XXXX  TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$300.00} Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX TransUnion : XXXXXXXX XXXX XXXX XXXX  {$710.00} Experian : XXXXXXXX XXXX XXXX XXXX {$710.00} I have included : Government-issued ID Proof of address FTC Identity Theft Report Under 15 USC 1681c-2 ( a ), you must block these accounts within XXXX business days and notify all furnishers to stop reporting this fraudulent information. 

Please send written confirmation once the block has been applied. 

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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-11-19 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: EQUIFAX, INC.
State: TX

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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am submitting this complaint regarding in the late payments reporting of inaccurate, incomplete, and misleading information on my credit file despite my efforts to maintain an accurate credit history in accordance with the Fair Credit Reporting Act ( FCRA ). My XXXX XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX and closed with a {$0.00} balance and a Date of Last Activity of XX/XX/XXXX, is being reported only with past late marks ( XXXX late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX late in XX/XX/XXXX ) but does not reflect that the account was fully brought current, paid in full, and closed in good standing, which creates an incomplete and misleading representation of my payment performance. In addition, my XXXX  account ( XXXXXXXX XXXX XXXX  ), opened on XX/XX/XXXX and also closed with a {$0.00} balance and a Date of Last Activity of XX/XX/XXXX, continues to display an extensive list of late payments ( XXXX days late in XX/XX/XXXX, recurring late reporting from XXXX through XX/XX/XXXX, again from XXXX through XX/XX/XXXX, and from XXXX through XX/XX/XXXX ) without fully and accurately reflecting that the account was ultimately satisfied and closed with no remaining balance. Both accounts were paid and completed as agreed, yet TransUnions reporting fails to include their correct final standing, violating my rights under FCRA 602 regarding fairness and relevance, FCRA 611 requiring reinvestigation and maximum possible accuracy, and FCRA 623 ( a ) ( 2 ) and 623 ( b ) requiring furnishers and credit reporting agencies to update and correct incomplete or inaccurate information once notified, failure to present the complete and accurate final status of these accounts has caused a distorted view of my true creditworthiness and continues to harm my credit profile despite the accounts being fully resolved.

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 2025-11-19 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:
My personal information, including my Social Security Number, was exposed in the XX/XX/2021 XXXX data breach. After that breach, I noticed credit accounts, collections, and/or inquiries appearing on my credit report that I did not authorize or recognize. These accounts were opened or reported after the breach occurred. I believe these items may be the result of identity theft or unauthorized use of my information. I am requesting assistance in disputing and blocking these accounts and any related negative information from my credit report.

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 2025-11-19 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:
My personal information, including my Social Security Number, was exposed in the XX/XX/2021 XXXX data breach. After that breach, I noticed credit accounts, collections, and/or inquiries appearing on my credit report that I did not authorize or recognize. These accounts were opened or reported after the breach occurred. I believe these items may be the result of identity theft or unauthorized use of my information. I am requesting assistance in disputing and blocking these accounts and any related negative information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
I sent XXXX rounds of letters to Transnuion the XXXX  XX/XX/year> and the XXXX XX/XX/year>. I asked for verifacation and/or of charged- off accounts and collection accounts. Even though I highlighted inconsistencies and inaccuracies in the accounts that under FCRA laws are illegal and have to be removed they still updated and verified the accounts as verified and updated which is not possible since the accounts by law must contain " maximum possible accuracy '' and there are so many inconsistencies throughout my XXXX consumer reports.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX : XX/XX/year> SSN ( Last XXXX ) : XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Request for Immediate Deletion Inaccurate Auto Loan Reporting Account : XXXX XXXX XXXX I am disputing the XXXX XXXX XXXX XXXX loan showing on my credit file due to inaccurate, impossible, and legally non-compliant reporting under FCRA 602, 607, and 611.

The account is showing as OPEN and XXXX days late for years after the vehicle was totaled and no valid loan existed. This is impossible and violates accuracy standards. 
Errors include : Conflicting status Continuous late reporting Inconsistent dates Unverifiable balance This tradeline must be DELETED, not corrected. Please provide confirmation

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 2025-11-19 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-19 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:
This is a follow-up complaint regarding Experians continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-19 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:
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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX 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.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
In XX/XX/year>, I purchased a XXXX XXXXXXXX XXXX financed through Kia Finance America. On XX/XX/year>, I traded in that vehicle at XXXX XXXX XXXX and no longer had possession of or responsibility for the Kia K4. Kia Finance received a full payoff of {$37000.00} on XX/XX/year>, and issued written confirmation that the account was paid in full and closed on XX/XX/XXXX and again on XX/XX/year>. 

After I returned the XXXX Charger due to a title issue disclosed by XXXX XXXX XXXX, the dealership contacted Kia Finance and had the previously closed Kia loan reinstated without my knowledge or consent. I never authorized this reinstatement, never signed new documents, and did not possess the vehicle. 

Following this unauthorized reinstatement, Kia Finance began reporting the account as open with a {$38000.00} balance and marked me late for XXXX and XXXX. My credit report now shows payment activity and late payments for a vehicle I have not owned since XX/XX/XXXX. I also learned that multiple credit applications were submitted in my name on XX/XX/XXXX without my authorization. 

I contacted the dealership and Kia Finance multiple times requesting documentation, clarification, and closure, but neither has provided a lawful explanation or corrected the reporting. This situation has caused significant harm to my credit profile and ongoing issues with my personal and business finances.

I am requesting the CFPBs assistance to address the unauthorized account activity, the unlawful reinstatement of a paid-in-full loan, and the inaccurate 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 explanation