vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
I missed the XXXX and XXXX Payments, and as a result, my loan was put into default. I have called XXXX times, and no one answers the phone ; it just sits on hold music. I have also emailed them, but received no response. I sent a partial payment, and they called on XX/XX/year>, while I was in a work meeting, and stated that they are returning the partial payment. I tried calling back, but sat on hold for XXXX minutes with no answer. They are not willing to let me make partial payments ( within the time they required ), and will not answer my calls or emails. According to some reviews I have read, they are never willing to work with people and are always rude to me and others. I even wrote a review about them XXXX years ago, and it's only getting worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 2025-08-14 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 checked my credit report, which I acquired on XX/XX/XXXX, and I noticed that this unauthorized inquiry had been made : XXXX XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Mortgage Companies - Date : XX/XX/XXXX The following inquiries have been reported on my credit report, and I don't recognize them. I want the removal to be immediate contact ( CREDITOR/FURNISHERS NAME ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. 

Under the Fair Credit Reporting Act, I request that you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within XXXX business days of the completion of the investigation.

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 2025-08-14 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: NC

Complaint narrative:
I recently reviewed my credit report and discovered several accounts and personal details that are inaccurate and do not belong to me. These errors include outdated or incorrect addresses, multiple name variations I have never used, and accounts reporting late payments, charge-offs, or collections with inconsistent or unverifiable information across different credit bureaus. Some accounts show conflicting delinquency dates, while others have been settled or paid in full yet continue to be reported as derogatory. Additionally, there are hard inquiries that I did not authorize and for which I did not submit any credit application. These inaccuracies have been present for months, and despite prior disputes, they have not been corrected. The continued reporting of this false and misleading information is damaging my credit profile and violates the Fair Credit Reporting Acts requirement for maximum possible accuracy.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian, Equifax, and TransUnion are actively reporting inaccurate information that is more than XXXX XXXX XXXX XXXX XXXX  on my consumer credit report. I have submitted multiple disputes to rectify the issue to no avail. Experian, Equifax, and TransUnion refuse to provide me, the consumer with the details related to the investigation process as requested, in order to determine how the data is being verified for accuracy of my consumer report as it related to duplicated XXXX XXXX XXXX XXXX accounts. Account name on reports : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their deletion within 15 days. I have included the relevant documents for your review.

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 2025-08-14 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: MI

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

1681c2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
The following is a chronological summary of events : XX/XX/year>2025 Over {$1800.00} in unauthorized EFTs were made from my account. I promptly reported the activity and filed a dispute the same day. 

XX/XX/year>2025 I contacted multiple Chime departments via phone. I received inconsistent information, and no clear justification or documentation was provided regarding the denial of my dispute. 

XX/XX/scrub>, 2025 I filed a second dispute after my account was compromised and locked. I was forced to reset my password and restore access to my email account, which had been removed during the takeover. A Chime representative acknowledged the breach, assured me that additional account security measures would be implemented, and yet a second denial was issued on XX/XX/year>2025, without proper investigation. 

XX/XX/year>2025 A third dispute was initiated. A Chime representative advised me to obtain a police report. While on the phone with the agent, an unauthorized debit card transaction attempt was made from XXXX, even though my physical debit card was in my possession in New York. The agent confirmed this activity would be documented in the dispute, and I submitted screenshots of all unauthorized activity communicated via Chime. This claim was denied in less than 24 hours, without explanation. 

Subsequent Call I contacted Chime again to refile the dispute and was told I could not proceed without a physical copy of the police report. My request for assistance was denied, and the call was disconnected. 

XX/XX/scrub> 2025 Once the police report was completed, I submitted a new dispute including : A copy of the official police report Screenshots of additional unauthorized activity Evidence of at least two more attempted unauthorized access events Despite this, my claim was again denied in less than 24 hours, with no apparent good-faith investigation conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: OK

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I was charged with an unrecgnized transaction. The credit card was locked and a new one was requested. This is with Citi. 


The Card was never received, lost by XXXX ( XXXX ), in the meantime, additional transaction were posted in my account. All were properly reported. 

On XX/XX/XXXX a new credit card was sent by XXXX ( not received ) On XX/XX/XXXX a new card was shipped by citi, not received. 

On Sunday XX/XX/XXXX I received a text with an unrecognized transaction, even that the new card was not received, I reported, account was closed again and new credit card was requested. All charges are being disputed. 

Still I see attempts to use my card in a casino, and I see unrecognized charges in Florida. 

I saw today a new charge in the credit card, still not shipped. 

Total ammount of disputed charges are around XXXX USD.

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 monetary relief
Consumer complaint received 2025-08-14 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:
I am demanding immediate removal of the inaccurate late payment entries listed below, along with a full reinvestigation that complies with the Fair Credit Reporting Act ( FCRA ). 

1. XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX 3. XXXX Account Number : XXXX These entries were reported without any prior billing notice, due date reminder, or opportunity for me to make payment before the negative mark was placed. That is not only misleading it is a direct violation of multiple federal laws, including : FCRA 1681e ( b ) : Requires only accurate and complete reporting. A late payment without proof of notice is neither.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must furnish information responsibly. Reporting me late without notification is irresponsible and unlawful.

FCRA 1681i ( a ) : Upon dispute, unverifiable data must be deleted. If you can not produce documented proof of proper notice, these entries must be removed.

Resolution I Expect : Delete both late payment entries immediately if no documented notice exists.

Provide written confirmation of removal and an updated credit report within 15 business days.

Ensure compliance with all applicable FCRA provisions to prevent further inaccurate reporting.

If this is not resolved promptly, I will proceed with : Filing additional complaints with the CFPB, FTC, and my State Attorney General.

Initiating legal action under FCRA 616 for statutory damages ( {$1000.00} per violation ), actual damages, and attorneys fees.

This is not a request it is my right under federal law. I have made multiple good-faith attempts to resolve this directly. The fair and lawful resolution is complete deletion of these inaccurate late payments and immediate correction of my credit file.

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 2025-08-14 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: SC

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 2025-08-14 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: CA

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 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$430.00} 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, XXXX as proof from the XXXX 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