vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
When my card was locked they still would allow transactions to happen. it happened from XX/XX/year>- XX/XX/year>. They fixed it without me being involved in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: NY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately Account Number : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX  XXXX Account Number : XXXX XXXXXXXX Account Number : 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 2025-10-12 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: NY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately Account Number : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX  XXXX Account Number : XXXX XXXXXXXX Account Number : 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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have found late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, credit reports must include only information that is accurate, complete, and verifiable. I am formally requesting verification of these late payments, and if they can not be substantiated, they should be either corrected or deleted.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Experian will not resolve our issue.

They need to verify us so we can access our online accounts.

I opened accounts for both my husband ( with his approval ) and myself with all 3 credit bureaus Im guessing about a decade ago. I placed the first freeze with Experian in XXXX and left the accounts frozen to protect us, and just occasionally temporarily unfroze them for major purchases.

Before I get started, I could be wrong but I think the 3 companies changed their password requirements and its possible I had an older email attached to the Experian account. So maybe they tried to notify me but I didnt get it.

Before going to buy a new car i
n XX/XX/XXXX, I was not able to unlock my XXXX  account to verify my creditworthiness to get a loan. I called them and they quickly had me send a digital photo and ID so they could verify my identity, and I was able to access my account. 

So later I checked my other 2 credit bureau accounts. I was able to access XXXX, but not Experian. 

Following are my efforts to contact Experian to gain access to our online accounts. All dates are in XXXX. 

1. XXXX XXXX I tried unsuccessfully to access my and my husbands accounts online. I tried to call but the automated call hung up on me. 
2. XXXX XXXX - I tried again to access my account and wrote down the steps as I did them. I was required to call the same number as in # 1. The automated robot told me that because I am not deaf, I will receive a credit report in about a week.

3. XXXX XXXX I mailed a letter to Experian regarding # 1 and # 2. 
4. I received the credit report as promised, even though that is not what I wanted or needed. It was titled Your Dispute Results. I never disputed anything.

5. A few weeks later Experian sent me a post card regarding the dispute process. I never disputed anything.

6. XXXX XXXX I mailed a letter to Experian regarding # 5, and continued to ask for the company to verify us so we can access our online accounts.

Im worried that the accounts might be unfrozen and hacked, and I would not have control. I need to resolve this. XXXX  verified me. Its very simple. 

I never asked Experian to confiscate all my personal info, and then ghost me. I personally think that no human has read what Ive sent. They are set up to never deal with any of the people whose information they have absconded with. Im angry.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, Truist Bank alerted us to suspicious activity for a {$520.00} debit-card charge from XXXX XXXX. We immediately blocked our cards and called Truist to stop the charge, but were advised by Truist to wait until it posted before filing any claim. Once the debit posted on XX/XX/year>, we filed a claim and received a provisional credit, which Truist later reversed, alleging we authorized the purchase. XXXX investigation relied on false merchant data listing my spouse as the purchaser and our home address as the shipping address. We provided clear proof that runwaycitizen.com is a fraudulent site and that the phone number Truist cited for the merchant, actually belongs to XXXX XXXX XXXX, an unrelated company. Despite providing this information, Truist willfully ignored exculpatory evidence and refused to reimburse us or even reopen the claim. Its failure to conduct a reasonable, good-faith investigation violates the Electronic Fund Transfer Act and Regulation XXXX We request full reimbursement and regulatory review of Truists handling of this case. We request that Truist be held accountable according to the penalties listed in the XXXX and XXXX XXXX for willful violations.

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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My Chase Saphire Preferred Credit card account was abruptly closed without any prior notice or explanation. Along with the closure, I lost over {$1000.00} worth of reward points that I had diligently accumulated over the past year. Despite reaching out to Chase customer support and even visiting a local branch, I was given no information about why the account was shut down. To add to the frustration, I was still charged for card usage ( Annual fee ). The lack of transparency and communication has been deeply disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Subject : Formal Dispute and Demand for Full Investigation Inaccurate and Unverifiable Credit Reporting Dear Equifax, I am writing to formally dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit.

Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), your agency is legally obligated to conduct a reasonable investigation of disputed information. If the information can not be verified through proper documentation, it must be promptly corrected or deleted.

1. Legal Violations and Consumer Protection Context The Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against major credit bureaus, including XXXX, for failing to properly investigate consumer disputes. These violations include, but are not limited to : Failing to conduct a meaningful investigation.

Reinserting previously disputed or inaccurate information without proper justification. Failing to notify consumers of the results in a clear and transparent manner.

Given this record of misconduct, I am putting your bureau on notice : any mishandling of my dispute constitutes willful and/or negligent violations of the FCRA, exposing your organization to liability under 15 U.S.C. 1681n and 1681o.

2. Specific Demands I hereby demand that your agency : Conduct a lawful, good-faith investigation of each disputed account.

Provide all documentation that substantiates any verified information.

Delete or correct all unverifiable or inaccurate information immediately.

Provide written confirmation of each action taken within the statutory 30-day window.

3. Escalation and Enforcement This dispute is simultaneously being documented with the CFPB. Should your agency fail to comply fully with federal law, I will : File formal complaints with the CFPB and the Federal Trade Commission ( FTC ). Pursue all legal remedies available, including damages for willful or negligent noncompliance. Submit documentation to state regulators and consumer protection agencies.

4. Notice of Rights Under 15 U.S.C. 1681g, I am entitled to a full disclosure of my credit file, and under 1681i ( a ) ( 6 ), I am entitled to a written description of your investigation results. If the disputed information is not verified with actual evidence, it must be deleted from my credit report.

I expect prompt and full compliance within the 30-day timeframe required by law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Columbia Debt Recovery LLC ( Genesis Credit Management ) reported a collection account to credit bureaus before validating the alleged debt. I received their initial letter dated XX/XX/year>XXXX  and sent a written validation request on XX/XX/year> per FDCPA 809 ( b ). The company failed to provide the requested documentation or proof of ownership of the debt, yet continued furnishing it to XXXX  and XXXX. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ( a ) ). Supporting emails and correspondence are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I XXXX XXXX is a victim of identity theft I was unaware of the unauthorized auto loan thats being reported to my credit report I found out XX/XX/year>2024 about the loan I sent in police report my ID and they still have not sent in proof of this contract this loan Im requesting proof such as ID signatures anything that was brought to open this loan I did not open this loan. I still have not received proof. The only thing they have sent me was prior investigation and determined that the account result in no identity theft, but not telling me how the investigation was proceeded with proof of identity all they did was lower the amount to {$10000.00} I WOULD LIKE THIS ACCOUNT TO BE REMOVED DUE TO NO PROOF OF CONTRACT NO IDENTIFICATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting assistance regarding a disputed deficiency balance of {$14000.00} from Regional Acceptance Corporation, following the voluntary surrender and subsequent sale of my XXXX XXXX XXXX. 
The facts of my case are as follows : The lender sold the vehicle on XX/XX/XXXX, for {$6400.00}. 
An independent VINClarity vehicle history report shows a fair market value of {$12000.00} for this vehicle at that time. 
The same vehicle ( identical VIN ) was listed for retail sale by XXXX XXXX on XX/XX/XXXX, for {$13000.00}. 

There is a significant difference between the lender 's sale price and the value indicators from the independent report and the subsequent retail listing. This difference has a direct financial impact, as a higher sale price would have resulted in a lower deficiency balance. I have submitted a formal written dispute to the lender but have not received a resolution.

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, Jefferson Capital Systems , LLC opened a collection account for {$230.00}. On XX/XX/XXXX, I received a call from the company regarding this account. During that call, I clearly stated that I dispute this debt and requested that they stop contacting me by phone. 

I do not believe this debt is valid and have not received proper validation of the debt. I am requesting that Jefferson Capital Systems remove this collection account from my credit report and stop all further communications regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint as a consumer under the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). Midland Credit Management is reporting a collection account on my TransUnion credit file that I dispute as inaccurate and unverifiable. 

This same account was previously disputed and deleted from another credit bureau due to lack of verification, but XXXX has re-reported or continued to furnish the account to TransUnion without providing proper validation. 

I have never received a complete validation notice, original contract, or itemized statement of the alleged debt. Reporting a disputed and unvalidated debt violates both the FDCPA and FCRA, which require furnishers to maintain maximum possible accuracy and to cease reporting until validation is provided. 

I am requesting that CFPB contact Midland Credit Management to demand full validation of this debt, including the original creditor name, account history, proof of assignment, and calculation of the alleged balance. If this information can not be produced, the account should be deleted from my TransUnion credit report immediately. 

I am exercising my rights as a consumer and requesting an investigation into Midland Credit Managements reporting practices and compliance with the law.

Company response to consumer: Closed with non-monetary relief