vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized XXXX  inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by 15 U.S.C. 1681c-2. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within XXXX ( XXXX ) business days of receiving the report. 
The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported. 
I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my XXXX XXXX and impeding my ability to secure credit for essential needs. 
I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit history.

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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This complaint concerns an ongoing issue that remains unresolved despite two prior CFPB complaints submitted XX/XX/year> and XX/XX/year> against Portfolio Recovery Associates ( PRA ) regarding the same account. 

On XX/XX/year>, PRA received my written debt validation request. Despite receiving this request, PRA did not provide any validation for more than 100 days. During this time, PRA continued to engage in collection activity by repeatedly furnishing and updating the account with XXXX XXXX  and XXXX, and by verifying the account as accurate multiple times after disputes were submitted with the credit bureaus. 

PRA verified this account with all three consumer reporting agencies at least twice after receiving my validation request, without first providing validation to me. This violates FDCPA 1692g ( b ), which requires a debt collector to cease collection activity until validation is provided.

PRA also reported inaccurate and misleading information, including reporting the account as 120+ days past due in XX/XX/year> and again in XX/XX/year>, despite being a debt buyer without payment terms or authority to report monthly delinquency statuses. XXXX removed the 120 days past due notation immediately after I disputed it, confirming the information was inaccurate. I did not receive any notice that this information had been corrected or updated. 

In a response to one of my prior CFPB complaints, PRA stated that because I disputed the account with consumer reporting agencies, they were not required to provide validation. This statement is false and misrepresents consumer rights under the FDCPA. A credit bureau dispute does not relieve a debt collector of its obligation to validate a debt after receiving a written request. 

On XX/XX/year>, PRA sent documents they characterized as validation, but this was provided more than 100 days after my request and only after multiple CFPB complaints were filed. The documents consisted of billing statements and a generic sale notice, but did not include a bill of sale identifying my specific account, a chain of title, or documentation establishing PRAs authority to report and collect at the time it furnished information to the credit bureaus. 

I also do not recall receiving an initial written notification from PRA advising me of the debt, my right to dispute, or my right to request validation, as required by FDCPA 1692g ( a ).

Despite the lack of timely and proper validation, PRA continues to report this account as a collection with a balance of {$1000.00} on XXXX XXXX, and XXXX  as of XX/XX/year>. 

PRAs actions reflect a continuing pattern of noncompliance that has not been corrected despite two prior CFPB complaints, and the inaccurate reporting and collection activity remain ongoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
Subject : Immediate Action Required : Dispute of Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally dispute the inaccuracies on my credit report resulting from a recent data breach. This breach has compromised my personal information, leading to unauthorized accounts and inquiries that are damaging my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information that is inaccurate or incomplete. 

The following entries are a direct result of this breach and must be investigated and removed immediately : Unauthorized Accounts and Unauthorized Inquiries : XXXX. XXXXXXXX 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 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 2025-12-16 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: CA

Complaint narrative:
Summary of Issue : XXXX XXXX is inaccurately reporting late payments on my account XXXX. The credit report shows late payments that never occurred. I have always paid this account as agreed. 
Details of Communication : I contacted XXXX regarding this issue. During the phone call, they confirmed that I have no late payments on this account. They also sent me a letter verifying that my account does not have any late payments. 
Evidence Provided : XXXX from XXXX confirming no late payments. 
My payment history showing the account was paid as agreed.

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 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> XXXX transactions from XXXX were made to my Chime card in the amounts of {$850.00} and {$280.00}. I've made Many attempts to get XXXX to refund me for these fraudulent charges. I did not authorize these charges and did not make them. I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: NV

Complaint narrative:
I paid off the provided pay off amount on XXXX XXXX XXXX. I recieved an email recently saying I owed XXXX, which included missed payment fees. I spoke with them about it and they said after paying the pay off amount, I still owed XXXX. This is GreenSky. XXXXXXXX XXXX XXXXXXXX told me the account would not have interest when they told me to sign up. That was already a lie. However, when given my pay off amount, I was under the assumption it would pay off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006 ( b ) ( 5 ) yet they have placed a collection on my consumer account recently.

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 2025-12-16 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 following accounts on my Equifax credit report. The information listed does not accurately reflect my current credit situation and requires investigation. 

CHARGED OFF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-16 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: NY

Complaint narrative:
Please see the attached CFPB Submission Packet and Affidavit.

This complaint concerns multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by Experian, Equifax, TransUnion, and associated furnishers.

The attached packet provides a complete, sworn explanation of the inaccuracies, inconsistencies, and unauthorized reporting affecting my credit file, along with the corrective actions requested.

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 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This collection account reported by CAINE & WEINER for an alleged {$990.00} balance from XXXX XXXX is NOT mine and constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ). 

I have never opened, authorized, signed, benefited from, or had any relationship with this creditor. This is a false, unverified, and unlawful reporting of a debt that does not belong to me. 

The furnisher is reporting : Account XXXX XXXX XXXXXXXX Placed in collections : XX/XX/year> Last verified : XX/XX/year> Reported balance : {$990.00} with a {$0.00} Original Balance ( internally contradictory and impossible ) FCRA VIOLATION 1681s-2 ( a ) : The furnisher is reporting information they know or should reasonably know is inaccurate. A {$990.00} owed balance with a {$0.00} original balance is an inherently invalid data structure and a clear sign of mixed file, data contamination, or negligent reporting practices.

FCRA VIOLATION 1681e ( b ) : The credit bureaus are required to maintain maximum possible accuracy. Reporting an account that does not belong to me and that contains contradictory balances is a direct violation of this requirement.

FCRA VIOLATION 1681i ( a ) : Upon dispute, the furnisher must conduct a reasonable reinvestigation. Because no contract, no signed agreement, no proof of benefit, and no chain of assignment exists, the account can not be legally verified. Continuing to report it is unlawful.

FCRA VIOLATION 1681s-2 ( b ) : Once notified of my dispute, the furnisher must provide verifiable evidence supporting the validity of the account. They can not verify what does not exist.

I am demanding an immediate deletion of this account from ALL credit bureaus.

The furnisher MUST provide : A legally valid, original contract containing my signature Evidence that I used, received, or benefited from this alleged account A complete chain of custody/assignment of the debt If CAINE & WEINER or XXXX can not produce these documents, the account MUST be removed immediately as required by federal law. 

This false reporting is causing measurable financial damage, obstructing credit opportunities, and harming my ability to access essential financial services. 

Please record this as a formal notice of multiple FCRA violations. If this inaccurate information is not corrected and deleted promptly, I will escalate this matter through additional regulatory channels and pursue further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXccount number ( XXXXXXXX XXXX XXXX This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-12-16 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/year>, my Chime account was suddenly restricted due to alleged unusual/fraudulent activity. I received no prior notice, no SMS message, and no in-app notification requesting confirmation of any transaction. 

Chime normally handles suspected fraud by blocking a specific transaction and asking the account holder to confirm it via SMS or in-app alert. This standard process was not followed in my case. No transaction was identified to me, and no opportunity was provided to confirm or deny any activity. 

I contacted Chime customer support on phone call on XX/XX/year>, including escalation to supervisors. I was informed that the restriction was system-generated, that no representative could see or disclose the reason for the restriction, and that no action could be taken until a 48-hour review period passed.

As a result, I was unable to send money, transfer funds, or use my Chime credit or debit cards, despite no unusual purchases or changes in my spending behavior. I requested an explanation for the restriction, the status of the review, and confirmation of when full access would be restored, but this information was not provided.

I am submitting this complaint due to the lack of notice, lack of transparency, and deviation from XXXX standard fraud-notification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX  - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: WI

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, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Army and Air Force Exchange Service
State: UT

Complaint narrative:
Military star should they never follow a 1099C but theyre reporting to the credit bureaus that they did. I would like this removed off my credit.

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