vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am submitting to formally dispute several inaccurately reported late payments appearing on my credit file. As I carefully reviewed my credit file, I was surprised to find several inaccuracies that do not align with my true credit history, and I am formally requesting a reinvestigation under FCRA 611. The issues I discovered involve incorrect addresses, inconsistent charge-off data, collection accounts reported improperly, and inquiries that do not reflect a legitimate permissible purpose. Under FCRA 605 ( a ), 623 ( a ) ( 5 ), and 604 ( a ) ( 3 ), every item reported must be accurate, complete, and based on a lawful purpose, yet the entries on my file tell a different and misleading story. 
XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  Balance Owed : XXXX XXXXXXXX reported in EQ and TU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXXXXXXnot reported in EQ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX-not reported in EX and TU XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), furnishers must provide complete, accurate reporting of balances, DOFD, and account status any inconsistency creates a false narrative about my credit obligations and repayment history. Under FCRA 604 ( a ) ( 3 ), every hard inquiry must be tied to a lawful, consumer-initiated permissible purpose. Any inquiry conducted without my knowledge or authorization misrepresents my credit-seeking behavior and negatively affects my report.

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 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a follow-up complaint regarding my previous CFPB case ( XXXX ) against Chase Bank. I am requesting a review because I never received the notice Chase claims to have sent in XX/XX/XXXX regarding the {$62.00} safe deposit box fee. 
I am requesting a review of Chase Banks response to my original complaint regarding a {$62.00} safe deposit box fee. 

Chases response claims they notified me of a policy change in XX/XX/XXXX, but I never received that notice. The first and only notice I actually received was an invoice dated XX/XX/XXXX, months after the supposed notification period. That invoice was the first time I became aware that a fee would be charged. 

The fee was automatically deducted from my account shortly afterward. I then surrendered the safe deposit box on XX/XX/XXXX, as soon as I realized what had happened. 

On XX/XX/XXXX, I contacted my local branch by email after receiving the invoice because I initially thought the letter might be a scam, but I never received any reply or clarification. I believe this demonstrates that Chase did not provide adequate or timely notice, preventing me from avoiding the charge.

I am respectfully asking the CFPB to review this matter and request that Chase issue a refund of {$62.00} as a goodwill or corrective measure, since the charge was based on notice I never received and followed by no meaningful response from the bank. 

Thank you for your time and attention to this appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
Unauthorized Transactions Reported : On XX/XX/year>, I reported unauthorized debit transactions on my account. 
Provisional Credits Applied & Reversed : On XX/XX/year>, a provisional credit of {$360.00} was applied to my account, but later reversed. 
A provisional credit of {$9.00} was also posted, then reversed. 
A claim for {$230.00} was refused, and no refund was issued. 
A claim for {$350.00} was credited, then reversed. 
Account Closure : On XX/XX/year>, my account was closed. The stated reason was that my account did not comply with the member agreement, was not in good standing, and/or showed evidence or suspicion of unusual or potentially risky activity. 
My Position : My account card was stolen, and all I did was dispute unauthorized transactions. 
Instead of resolving the disputes, the credits were reversed, refunds were denied, and my account was closed. 
I believe this was unfair and not in line with proper handling of fraud or unauthorized transaction disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am formally disputing multiple inaccuracies on my credit reports that appear across Experian, Equifax, and TransUnion, which violate FCRA 623 ( a ) ( 1 ) ( A ) Obligations of Furnishers, 607 ( b ) CRA Accuracy Requirements, and 623 ( a ) ( 2 ) Duty to Correct and Update Information. My addresses are inconsistently reported as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX in Experian, and XXXX XXXX XXXX XXXX, XXXX, ID XXXX in TransUnion. These errors have led to confusion and inaccurate account reporting, including duplicate or misaligned listings. I request that my addresses be updated to reflect my correct residence, and all duplicate or conflicting entries be corrected immediately to maintain maximum possible accuracy. 
In addition, several charge-off accounts are reported inconsistently across the bureaus, creating substantial inaccuracies in my credit profile. XXXX XXXX XXXX XXXX / XXXX is reported with a balance of {$580.00} in Experian, Equifax, and TransUnion, but reporting formats differ and violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ).

Each account should be corrected to reflect the accurate balance, date of first delinquency, and status consistently across all three credit reports. Failure to correct these inconsistencies misrepresents my creditworthiness. 
Furthermore, several collections are reported inaccurately and inconsistently across the bureaus, in violation of FDCPA 809 Debt Validation Rights, 807 False or Misleading Representations, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( c ). XXXX XXXX XXXX shows a balance of {$1900.00} across all three bureaus ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows {$1300.00} with original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$590.00} with original creditor XXXX XXXX XXXX XXXX XXXX 
Each of these accounts must be reinvestigated, verified, and updated to ensure accurate reporting, or removed if unverifiable. These errors include duplicate reporting, outdated balances, and inconsistent reporting across bureaus. I also request written confirmation of the results of your reinvestigation in accordance with FCRA 611.

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 2025-11-17 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$450.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/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 2025-11-17 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
16inquiries These lenders have accessed your credit file XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this complaint to report Equifaxs continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, XXXX. The accounts in questionXXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX  XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because the information being furnished and reported by XXXX XXXX XXXX and XXXX XXXX  across Experian, Equifax, and TransUnion is inconsistent, misleading, and appears to violate several federal consumer protection laws, causing damage to my credit profile and financial stability. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported with a {$0.00} balance in both Experian and Equifax, yet the account is still displayed as active or improperly dated, creating a false impression that it continues to affect my credit when it should not, which violates FCRA 605 ( a ) regarding obsolete information and FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) regarding the obligation to report accurate account details, including the proper Date of First Delinquency. Additionally, TransUnion is reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$670.00} balance, but no proper validation or confirming documentation has ever been provided despite my rights under FDCPA 809 to receive verification, and the manner of reporting appears misleading in violation of FDCPA 807 and potentially unfair under 808, as well as potentially outdated or inaccurate under FCRA 605 ( a ). These inconsistencies across the credit bureaus show that the data furnishers may not be supplying accurate or verifiable information and the bureaus may not be ensuring maximum accuracy as required under the FCRA, which has left me with a report that inaccurately portrays my financial standing and negatively impacts my ability to secure fair credit opportunities.

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 2025-11-17 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: NJ

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-17 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: AZ

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. Balance Owed : {$550.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX  XXXX Bankruptcy Reference # XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference XXXX XXXX Court : Federal XXXX Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # XXXX Court : U.S. Bankruptcy Court Date Filed/Reported : XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief