vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
Several accounts are being inaccurately reported on my credit file despite prior disputes and multiple attempts to resolve these issues. Specifically, certain tradelines are simultaneously showing both positive and negative statuses, which is contradictory and violates the legal requirement for accuracy under the Fair Credit Reporting Act. Some accounts continue to reflect derogatory information without any proper documentation, charge-off notices, or signed contracts to support their validity. For example, a credit card account from XX/XX/XXXXXXXX  remains marked as delinquent even though no evidence of default has been provided. Additionally, a medical-related account is being reported without HIPAA-compliant documentation or itemized billing. There are also inquiries from various auto dealers and credit unions between XX/XX/XXXX, and XX/XX/XXXX, that were never authorized. Despite submitting disputes, the credit bureaus and furnishers have failed to provide sufficient validation, and as of the most recent credit report dated July 30, 2025, these accounts remain on file. The reporting of unverifiable and inconsistent information has negatively impacted my credit standing and must be corrected immediately.

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 2025-07-30 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: CA

Complaint narrative:
This is the second time chime has taken money out of my account and will not return it for some frivolous technicality that they made up. They took money out ofmy account for a supposed advance that I requested ( i did not request receive ) that I did not receive. On XX/XX/year>XXXX  i loaded money to my card. 15 minutes after i loaded my card, i checked my card and the funds were still not loaded. I called chime, they told me they paid something from XXXXXXXX 
They kept transferring me to someone else that wouldnt help me. I loaded money to pay for something, that didnt get paid for. Because chime decided to take my funds without my permission. And use a made up date and transaction to try and justify their misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I told this company to delete my loan account I dont want any loans with this company anymore. High interest and they reported my old loans to the credit report as consumer finance account these old loans are ruining my credit profile and Im unable to be approved for high limit credit cards. I ask them to remove my number and my emails from contacting me they are unable to do that. Yet this company is a scam and they wont delete my account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Meta Payments Inc.
State: NJ

Complaint narrative:
Fraud Complaint Statement XXXX XXXX Scam Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> XXXX XXXX  To Whom It May Concern, I am submitting this report to formally document a case of consumer fraud that occurred on XXXX XXXX in XXXX. 

On XX/XX/year>, between approximately XXXX XXXX  and XXXX XXXX, I met an individual at : XXXX XXXX XXXX, XXXX, PA Specifically, at the front entrance of the automatic doors of XXXX. 

We had arranged through XXXX XXXX to complete the purchase of what was advertised as an authentic, new XXXX XXXX XXXX XXXX. The seller clearly stated that the phone was original and new. I handed him * * {$900.00} in cash * * directly, after which he left immediately. 

After inspecting the device at home, I discovered that it was a counterfeit/fake phone. It is not a genuine XXXX product. The software, hardware, and serial number are all invalid. The seller then blocked me on XXXX and became unreachable. 

The individual who scammed me uses the XXXX name XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I also received calls and messages from another person who appeared to be involved in the scam. 

The two phone numbers used by the individuals involved in this scam are : - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX These numbers were used to communicate with me via phone calls and text messages regarding the fake transaction. 
Request for Camera Footage Given the nature of this fraud, I respectfully request that surveillance camera footage be reviewed at the following location and time : Location : XXXX  Entrance XXXX XXXX XXXX, XXXX Date & Time : XX/XX/year>, between XXXXXXXX XXXX and XXXX XXXX  Area to Check : Main automatic sliding doors at the entrance This area was the location of the transaction. The suspect may be clearly visible during this time frame, and the footage may assist in identifying and prosecuting them. 
Attached Evidence - Screenshots of the XXXX ad and sellers profile ( XXXX XXXX ) - Full chat history from Messenger - Text messages with both the seller and his associate - Phone numbers used : XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX - Photographs of the counterfeit phone received - Description of the transaction and amount paid ( {$900.00} in cash ) - Precise meeting location and time This case is a clear act of intentional fraud, and I request that it be investigated promptly. I am fully prepared to assist with any additional information required. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: CT

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 2025-07-30 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:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-30 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Why was the previous case closed? It far from being closed, I still have not recd money owed to me in the amt of {$1600.00}. Case # XXXX. This needs to be reopened and investigated asap. They are fraudulently withholding my money. 
XXXX XXXX I deposited a check from a customer of mine for XXXX, the check was honored and cleared. Td said it was fraudulent but would not tell me why it was fraudulent.. I was told to reach out to my customer and ask for another form of payment but she produced a statement showing check was cashed XX/XX/year> she even had the canc check w/ my signature on it, how else could she obtain this without it clearing, I would have recd the check as nsf. She also provided a statement from her bank ( XXXX  ) stating it was cashed. We went a step further and called XXXX just so I was 100 % sure that TD was the only fraudulant party here. I will fwd docs. My last conversation w/ TD bank told it was deemed invalid ( not true ) and that it was being held, I asked til when, she said indefinitely,, then I said then what happens to it and she said it gets sent back to the customer. So, not only are they stealing my money, not providing why it's fraudulent, and somewhere in the future they are sending it back to her, why?? I worked hard for that money and I have bills to pay. They need to be stopped and cited for illegal behavior. I want my money with interest and I want it overnighter to me immediately. OR I want something I can take to the courts likely the nsf check etc so I can process criminally to recoup my money. XXXX doesn't have the money, I don't have the money, my client doesn't have the money, hmmm the thieves at TD bank do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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.

Complaint narrative:
There are multiple unauthorized hard inquiries on my Equifax credit report. I did not give consent for the following inquiries and have already submitted a written dispute directly to Equifax with my supporting documents. 

The unauthorized hard inquiries are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting the CFPB to investigate and ensure these hard inquiries are removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ). I have attached my ID, proof of address, and dispute letter. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TN

Complaint narrative:
This is a follow-up to my previous complaint ( # XXXX ) regarding Discover contacting someone who is not listed on my account, disclosing account-related information, and asking them to relay a message to me. 

In their response, Discover claimed that the phone number they called was on my account and that they removed it after realizing it did not belong to me. However, this is inaccurate. 
The individual they contacted is not and has never been listed as an authorized user or emergency contact. 
That number has never been associated with my account. 
This was the first and only time Discover has ever contacted that person in over seven years of me having the card.

After being told they had the wrong person, the representative still disclosed that the call was about me and asked them to pass along a message a clear violation of federal law under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. 

Discovers response did not acknowledge this violation and instead redirected focus to my account balance. The issue here is not the debt its the unauthorized contact and breach of privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-07-30 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 disputing the inclusion of an account that appears to have been linked to my credit report due to a name or address mismatch. The information associated with this account does not match my identity and has been mistakenly attributed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: AL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-07-30 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: GA

Complaint narrative:
I am disputing an inaccurate and potentially unlawful account being reported by XXXX XXXX XXXX. According to XXXX, the account was charged-off in XX/XX/XXXXXXXX  and marked as " Company Sold. '' However, the balance being reported ( {$27000.00} ) exceeds the original amount ( {$26000.00} ) without any breakdown or explanation of post-charge-off interest. 

Furthermore, the account is being updated with inconsistent dates across credit bureaus ( some showing XXXX ), which appears to be an illegal re-aging of the debt under FCRA 605 ( c ). XXXX continues to report despite no longer owning the account, which violates FCRA requirements for accurate and verifiable reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing an inaccurate and potentially unlawful account being reported by XXXX XXXX XXXX. According to Experian, the account was charged-off in XX/XX/XXXX and marked as " Company Sold. '' However, the balance being reported ( {$27000.00} ) exceeds the original amount ( {$26000.00} ) without any breakdown or explanation of post-charge-off interest. 

Furthermore, the account is being updated with inconsistent dates across credit bureaus ( some showing XXXX ), which appears to be an illegal re-aging of the debt under FCRA 605 ( c ). XXXX continues to report despite no longer owning the account, which violates FCRA requirements for accurate and verifiable reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

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 2025-07-30 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: PA

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 explanation