vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am submitting this formal complaint because TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding a dispute I filed over XXXX  days ago. On [ Insert date ], I sent a written dispute challenging the accuracy and completeness of the following account ( s ) on my credit report : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> As a consumer by law this account must be deleted immediately. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> As a consumer by law this account must be deleted immediately. 

XXXX. Under XXXX XXXX XXXX XXXX False or misleading representations specifically subsection ( XXXX ) you failed to notate that this account was in dispute within XXXX  days. As a result this account is now in violation of the statute. 
XXXX Account Number : XXXX Please remove inaccurate reported late payments and update to paid as agreed. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ) [ XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ], the credit bureau is required to conduct a reasonable reinvestigation and respond to the consumer within XXXX  days. It has now been more than XXXX  days, and : ( XXXX ) I have not received any written confirmation of investigation results ( XXXX ) OR : I received a response, but it failed to include proper verification documentation, or the reinvestigation was incomplete and insufficient Additionally, continued reporting of inaccurate or unverifiable data violates : ( XXXX ) FCRA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] Failure to ensure maximum possible accuracy ( XXXX ) FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to delete information that can not be verified ( XXXX ) FCRA XXXX & XXXX Willful or negligent noncompliance with FCRA obligations I have acted in good faith and provided all relevant documentation. This noncompliance has negatively impacted my credit, and I am requesting that the CFPB take regulatory action to ensure my rights are upheld.

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 2025-05-13 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: NC

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Inaccurate Student Loan Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally requesting the immediate deletion of the XXXX  account ending in XXXX from my credit reports with TransUnion, XXXX, and XXXX. This account is being reported inaccurately and inconsistently, violating the Fair Credit Reporting Act ( FCRA ). 



Account Details : Creditor : XXXX Partial Account Number : XXXX Balance : {$1200.00} Monthly Payment : {$11.00} Status : Open / Current Date Opened : XX/XX/XXXX Reasons for Deletion Request : XXXX. Conflicting Last Payment Dates TransUnion and XXXX  report XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. This contradiction makes the account unverifiable. 
XXXX. Inaccurate Loan Term TransUnion and XXXX  correctly show XXXX  months, but XXXX  reports XXXX  months, which is false for a federal student loan. 
XXXX. High Credit Lower Than Balance The reported high credit is {$1100.00}, but the balance is {$1200.00}, which is not possible and clearly inaccurate. 
XXXX. Outdated Dispute Language All bureaus continue to show Dispute resolved ; customer disagrees and Consumer disputes after resolution. I am no longer disputing this account, and these remarks should be removed immediately. 
XXXX. Pattern of Duplicate or Fragmented Reporting This is the XXXX  XXXX  account on my credit report with similar errors. It appears the same XXXX XXXX is being broken up into separate tradelines, inflating my total reported debt. 



Resolution Requested : I am demanding the full deletion of this XXXX account ( XXXX ) from all XXXX  credit bureaus. If the information can not be verified as 100 % accurate, consistent, and complete, it must be removed under FCRA Sections 1681i and 1681s-2. 

Please investigate and respond in writing within XXXX  days, as required by law. 

Sincerely, 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 2025-05-13 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Inaccurate Student Loan Account XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am formally requesting the immediate deletion of the XXXX  account ending in XXXX from my credit reports with XXXX, XXXX, and Equifax. This account is being reported inaccurately and inconsistently, violating the Fair Credit Reporting Act ( FCRA ). 



Account Details : Creditor : XXXX Partial Account Number : XXXX Balance : {$1200.00} Monthly Payment : {$11.00} Status : Open / Current Date Opened : XX/XX/XXXX Reasons for Deletion Request : XXXX. Conflicting Last Payment Dates XXXX  and XXXX  report XX/XX/XXXX, while Equifax reports XX/XX/XXXX. This contradiction makes the account unverifiable. 
XXXX. Inaccurate XXXX XXXX XXXX  and XXXX  correctly show XXXX  months, but Equifax reports XXXX  months, which is false for a federal student loan. 
XXXX. High Credit Lower Than Balance The reported high credit is {$1100.00}, but the balance is {$1200.00}, which is not possible and clearly inaccurate. 
XXXX. Outdated Dispute Language All bureaus continue to show Dispute resolved ; customer disagrees and Consumer disputes after resolution. I am no longer disputing this account, and these remarks should be removed immediately. 
XXXX. Pattern of Duplicate or Fragmented Reporting This is the XXXX  XXXX  account on my credit report with similar errors. It appears the same XXXX XXXX is being broken up into separate tradelines, inflating my total reported debt. 



Resolution Requested : I am demanding the full deletion of this XXXX account ( XXXX ) from all XXXX  credit bureaus. If the information can not be verified as 100 % accurate, consistent, and complete, it must be removed under FCRA Sections 1681i and 1681s-2. 

Please investigate and respond in writing within XXXX days, as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX Account XXXX XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received a XXXX advance from Chime approximately a year ago, and have a balance to be paid. Per XXXX, " If your outstanding XXXX XXXX amount is {$20.00} or more, we will settle from your direct deposit of {$20.00} or more. 
An 'Eligible Source ' is any source other than a bank transfer, trial deposit, tax refund, or commission. For example, Eligible Sources include, but are not limited to, payroll payers, government benefits payers, and deposits by Original Credit Transaction ( XXXX ) from your gig economy payer. '' I transferred {$150.00} from my XXXX savings account to my Chime account on XXXX. Chime then deducted those funds and applied them to my XXXX outstanding balance because their system " recognized it as a direct deposit payment ''. 
On XX/XX/year>, I requested that they reverse the transaction and apply the {$150.00} to my available balance. I was advised that they understand the problem but have " no way '' to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
XXXXonsumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SinglePoint GI
State: IL

Complaint narrative:
I received a negative mark on my XXXX repor XXXX XXXX XXXXXX/XX/year> from a company called XXXX XXXX XXXX stating I owe {$2200.00}. this company did not contact me prior to placing this negative mark. I was not given the opportunity to address this debt. with this company. It has cause problems with my personal name and ability to get credit damaging my repution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 2025-05-13 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 2025-05-13 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section XXXX XXXX XXXX, the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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