vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-12-08 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: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported on my credit report. I request that they be investigated and corrected as necessary in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX, Date : XX/XX/XXXX Late Payments XXXX, Account : XXXX XXXX, Account : XXXXXXXX XXXX XXXX XXXX  Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I participated in a pre-qualification process for the XXXX credit card, which involved a soft credit inquiry. The pre-qualification result was an insufficient offer which I did not accept or pursue. At no point did I submit a full application or provide my final, explicit authorization ( written or verbal ) to open a credit card account. 

Despite my lack of consent and acceptance of any final terms, the company unilaterally proceeded to open a credit card account in my name, with a credit limit of {$2000.00} ( Account XXXX. ending in XXXX ). 

The unauthorized opening of this account resulted in XXXX violations that have been reported to the credit bureaus : An unauthorized Hard Inquiry was placed on my credit report on XX/XX/year>. 

The unauthorized account ( ending XXXX ) was opened and is currently being reported as a valid trade line. 

I believe the company is in violation of the Fair Credit Reporting Act ( FCRA ) by opening and reporting this account without my express agreement to the final terms. 

On XX/XX/year>, I sent the company a formal email demand for immediate action. I demanded the permanent closure of Account XXXX and the immediate deletion of both the account trade line and the unauthorized Hard Inquiry from all three credit reports. I have received no confirmation that these demands have been met. 

I require the CFPB 's assistance to compel the company to permanently close the account and remove all reporting related to this unauthorized action from my 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 2025-12-08 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: SC

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurately reported on my credit report. Please investigate these items for accuracy, as I believe they may not meet the Fair Credit Reporting Act 's ( FCRA ) requirement for maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
I ordered {$1200.00} of clothes from bloomingdales on XX/XX/year>. It delivered XX/XX/year> and i returned and sent back on XX/XX/year>. my refund never was credited on my account. After being told to keep waiting for weeks, i finally disputed so my credit was not impacted. On XX/XX/XXXX, company responded with an update confirming they have issued a credit of {$1200.00} and it will apply in XXXX billing cycles ( XXXX ). It still never applied, i have contacted company by phone and email, all representatives agree it should have applied but cant see why it didnt. ive spent hours trying to get a resolve and no one knows why it says it refunded me but never did 4 months later.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, a charge for {$20.00} from XXXX, XX/XX/XXXX was made on my Chime debit card ending in XXXX. I did not authorize or recognize this transaction. 

On XX/XX/XXXX, a XX/XX/XXXX charge for {$29.00} from XXXX XXXX XXXX was also made on the same card. I again did not authorize or recognize this transaction. 

Before and after these charges, I received multiple real-time fraud alert text messages from Chime for attempted transactions including : {$5.00} at XXXX {$10.00} at XXXX {$35.00} at XXXX {$200.00} and {$20.00} at XX/XX/XXXX Each time, I replied NO confirming the transactions were not mine, and Chime confirmed in writing that those transactions were blocked due to suspected fraud. 

Despite this documented fraud activity and my confirmations, the XXXX unauthorized charges for {$20.00} ( XX/XX/XXXX ) and {$29.00} ( XX/XX/XXXX) were still allowed to process and post to my account. 

I immediately filed a dispute for both transactions. However, on XX/XX/XXXX, my dispute was denied, even though : I never authorized either charge I never used or created any accounts with these services Multiple fraud attempts were already flagged and blocked on my account I confirmed NO to unauthorized activity in real time These transactions were clearly part of a larger fraud attempt on my debit card, and I am requesting a full reinvestigation and permanent refund of both charges totaling {$49.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Have requested by phone past statements ( XXXX XXXX in XX/XX/2023 ) for a divorce litigation. Have been told several times that they have no access to this account or have no records available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate, incomplete, inconsistent, or unverifiable collection accounts, and despite disputes, the information remains uncorrected. 

The following violations have occurred : FCRA 607 ( b ) Failure to maintain maximum possible accuracy. 

FCRA 611 ( a ) Failure to properly reinvestigate disputed information.

FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable accounts.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers knowingly reporting inaccurate information.

FCRA 623 ( a ) ( 5 ) Failure to report accurate Date of First Delinquency. 

XXXX reporting violations affecting accuracy and compliance. 

Several collection accounts, including those from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, contain : Conflicting balances Conflicting dates Missing original creditor information Illegal re-aging indicators Inconsistent reporting across bureaus Lack of verification or documentation

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 2025-12-08 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: CBC Companies, Inc.
State: FL

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 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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
Good day. I can not stress enough how frustrating and debilitating this situation has become. I woke up XXXX day to find a collection account linked to my namean alleged debt I know nothing about. It is unverified, unfamiliar, and simply not mine. On top of that, I have been receiving harassment across multiple communication platforms, each using different tactics, including threats of legal action. As a law-abiding citizen, this is incredibly insulting and a blatant violation of my consumer rights. This issue has severely affected my mental health, causing XXXX XXXX and several sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the following accounts listed on my Experian credit report. I believe the information reported is either incomplete or inaccurate and should be investigated and corrected in compliance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$710.00} XXXX XXXXXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am submitting this complaint because several items being reported by the credit bureaus appear to be inaccurate, incomplete, or unverifiable. I have attempted to have these items corrected through the bureaus directly, but the results have been inconsistent or unresolved. I am requesting the CFPB 's help to ensure each bureau properly investigates and corrects these issues as required under the FCRA. 
Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX Reported Date XX/XX/year> Balance {$2800.00} XXXX XXXX XXXX has not provided any documentation validating this amount or the reasons for the charge-off. I believe this balance is inaccurate and should not be reported unless verified with proper records. 

XXXX. Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payments appear incorrect. I am requesting full verification including dated statements or payment ledgers. If the creditor can not validate them, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am submitting this complaint because my credit file continues to report unauthorized and inaccurate information that I did not open, authorize, or consent to, and that I timely disputed. 
I previously disputed these tradelines and requested that they be corrected or deleted. 
XXXXXX/XX/XXXX - opened on XX/XX/year> - balance XXXX However, the company continues reporting the same information without a clear, evidence-based explanation of the reinvestigation outcome, suggesting potential FCRA noncompliance ( 15 U.S.C. 1681e ( b ) and 1681i ).

If the company claims the information was verified, I request the specific method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), including the exact sources consulted, the furnisher used and data obtained, the date and manner of verification, and the factual basis for continuing to report the tradelines as accurate. I am requesting CFPB assistance and prompt correction/deletion of any information that can not be properly substantiated, with written confirmation of the results.

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