vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/2025, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXXXXXX XXXX was fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-08 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: Early Warning Services, LLC
State: GA

Complaint narrative:
They removed theses account then added them back to my report. I NEED THEM REMOVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. They informed me CFPBs findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TRANSWORLD SYSTEMS has been reporting a dept to my credit report that doesnt belong not belong to me. I have contacted them multiple times about this about this {$440.00} dept. They have not removed it and has continued to report this negative information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lacks of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 account is a personal credit card account opened at XXXX, XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Name : - XXXX XXXX XXXX XXXX Name : - XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Auto Credit of Virginia Inc.
State: WA

Complaint narrative:
Auto Credit of Virginia ( collector ) rereported and attempted to collect an alleged uniform debt for account XXXX XXXX XXXX XXXX XXXXXXXX after I had already disputed the debt and demanded they stop contacting me. Timeline and key facts : - XXXX I resigned from XXXX XXXX and returned my uniforms the day after I quit. 
- XX/XX/XXXX I emailed Auto Credit of Virginia disputing account XXXX XXXX XXXX XXXX XXXXXXXX, stating I do not owe the debt, and explicitly demanding they cease all contact ; screenshot attached. 
- XX/XX/XXXX Auto Credit of Virginia sent a letter confirming the account was closed and removed from my credit report ; I received confirmation the account was removed. 
- XXXX Approximately XXXX years with no contact from Auto Credit of Virginia. 
- XX/XX/XXXX I received a new collection letter from Auto Credit of Virginia attempting to rereport and recollect {$330.00} for account XXXX XXXX XXXX XXXX XXXXXXXX despite my prior dispute and cease request ; photo of the new letter attached. 

I previously demanded they stop contacting me in writing and they confirmed the account closed. Their renewed collection efforts and threats of garnishment/levy after that written demand are unlawful under the FDCPA and illegal reaging/rereporting under the FCRA. I attach my XX/XX/XXXX dispute/cease email and the new XXXX collection letter as evidence.

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 2025-10-08 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: NY

Complaint narrative:
I am filing a complaint because XXXX XXXX XXXX is reporting a collection account on my credit report that is inaccurate and unverifiable. The account shows a balance of {$620.00} and was last reported on XX/XX/2025. 



I have not received proper documentation or validation from XXXX XXXX XXXX proving that this debt is valid, accurate, or that I am legally responsible for it. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), debt collectors and furnishers are required to provide verification of a debt and ensure all reported information is correct. 



Despite my attempts to confirm or dispute the accuracy of this account with the credit bureaus, it remains on my report without sufficient proof from XXXX XXXX XXXX. This account is negatively impacting my credit profile and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
PLEASE THESE ACCOUNT HAS INACCURATE DETAILS, INFORMATION REPORTING IN MY REPORT, IMMEDIATE ACTION NEEDED.

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 2025-10-08 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: NM

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my claim.

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 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Subject : Portfolio Recovery Associates LLC Continues Contact After Debt Validation Request Complaint Description : I am filing this complaint against Portfolio Recovery Associates LLC for continuing to contact me through mail about an alleged debt after I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the debt in writing. 

On XX/XX/year>, I mailed a debt validation letter to Portfolio Recovery Associates LLC requesting verification of the alleged debt as required by law. The letter was sent via certified mail with return receipt requested, and I have proof of delivery. 

To date, I have not received any response or documentation validating the debt. Despite this, the company has continued to send collection letters on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. 

This conduct violates Section 809 ( b ) of the FDCPA ( 15 U.S.C. 1692g ( b ) ), which requires a debt collector to cease all collection activity until the debt is properly validated. I am requesting that the CFPB investigate Portfolio Recovery Associates LLCs actions and ensure they comply with federal law. 

Details : Debt collector name : Portfolio Recovery Associates LLC Date validation letter was sent : XX/XX/year> Method sent : Certified mail, return receipt requested Most recent collection contacts : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-08 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
I am writing to formally express my extreme concern and dissatisfaction regarding an alarming action taken by your company. 

During a recent government shutdown, a period which posed considerable challenges for many individuals in managing their financial affairs and establishing communication, I made repeated and earnest attempts to reach out to your organization. Despite these proactive efforts on my part to engage and seek clarification, my bank account was subsequently and without any prior warning, explanation, or notification, subjected to garnishment. 

This drastic measure, carried out seemingly without due process or any form of communication from your end, is not only deeply troubling but also represents a severe departure from expected operational standards and customer interaction protocols. I have yet to receive any justifiable explanation for this garnishment, nor have my subsequent inquiries or attempts to elicit a response been met with success. The complete absence of transparency and the blatant disregard for proper procedure in handling such a serious financial matter are frankly unacceptable. 

I demand an immediate and thorough explanation for the garnishment of my bank account, detailing the specific reasons for this action and the legal framework under which it was executed without any prior notice or opportunity for me to address the matter. I also expect a clear plan of action from your company to rectify this situation promptly and ensure such an egregious oversight does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Indiana XXXX XX/XX/XXXX To : XXXX XXXX XXXX ( Experian / Equifax / TransUnion ) Subject : Credit Report Dispute Request for Deletion of Negative Accounts Dear Sir or Madam, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute the accuracy and completeness of certain information currently listed on my credit report. 

Upon reviewing my credit file, I found several negative accounts and entries that are either inaccurate, unverifiable, outdated, or do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified. 

I respectfully request that your agency conduct a thorough investigation and delete all negative accounts and items that can not be verified with proper documentation from the original creditors. 

Please note that under 15 U.S.C. 1681 ( o ) ( Civil Liability for Negligent Noncompliance ), failure to follow reasonable procedures to assure maximum possible accuracy in reporting may result in liability for actual damages, costs, and attorneys fees. 

I am including copies of identification and supporting documents to assist with your investigation ( e.g., drivers license, Social Security card, and proof of address ). 

I request written confirmation of the results of your investigation within the 30-day period required by law. If any negative or inaccurate information can not be verified, please remove it from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Date of Birth : XXXX / XXXX / XXXX Last Four Digits of SSN : XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation