vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-04 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Identify theft from XX/XX/year> XXXX XXXX opened accounts without my Knowledge there are XXXX different accounts I was paying on These without having the card and not knowing there are XXXX total

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have been encountering an error adding an external bank account ending in XXXX to my online account. I have called Target numerous times over this matter, only to be given multiple different reasons. The error given on the website is something along the lines of " This account is not setup for ACH transactions, call our customer service '' when it is setup for ACH and I have had to make numerous payments over the phone because I can not do so online. Because of this, the account is saved in Target 's system but is not showing online.

The team continues to give an external vendor 's phone number, which is a business phone number. I need Target to work with their own vendors and allow XXXX to show on my online account. I can not call in each month to make manual payments. I had case XXXX opened by a manager, was told to call in within 2 business days if the issue still comes up ( which it does ), and I was then told by the manager XXXX ( employee ID XXXX ) that no one can view this case (? ). Either she was giving misinformation, did not look into anything, and/or the way that Target handles cases and basic issues is not right. The way this error is being handled is ridiculous and I shouldn't be filing a CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Every month, I make my payment on time. Per my agreement and what the representative reinuarated any extra payments would be applied to my principal balance if I make the payments online or in person. Upon reviewing my last six months of payments, the extra payment went towards the interest. In some months the entire payment went towards the interest and nothing was applied to the principal. I requested per their policy if they can manually correct this and apply the payment correctly. The representative said that he could not. I am writing with concern because I am afraid that if I voice an issue with their deceptive practices that they will retaliate and try to repossess my vehicle for no reason other than I am voicing concerns about their unfair and deceptive business practices. I only ask of the additional monthly payments could be applied to my principal. I did not get the impression nor the desire for them to correct their mistake and work with me to resolve this issue. The representative said that if he was to make the correct and apply the extra payment to the principal it would put my account in default which would lead to my vehicle being repossessed. The loan is predatory. I am doing my best to manage it and keep my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

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

Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX5 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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 2025-12-04 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: CA

Complaint narrative:
I am filing this complaint because TransUnion is reporting several items that are inaccurate, unverified, and not in compliance with the FCRA. I have repeatedly attempted to have these issues corrected, yet TransUnion continues to publish false information on my consumer report. I am demanding a full investigation, correction, and removal where required by law. TransUnion is reporting wrong addresses that do not belong to me including XXXX XXXX  XXXX, CA XXXX and XXXX PORT XXXX, CA XXXX which are not my addresses and have never been connected to me at any point. These are inaccurate identifiers that violate the FCRA requirement for maximum possible accuracy and they must be removed immediately. TransUnion is also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$320.00} as a Late Payment, but I was never late. This information is false and damaging and TransUnion is required to correct this inaccurate payment history rather than continue publishing wrong information. TransUnion is also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$0.00} as a Late Payment, but I was never late. This reporting is inaccurate, misleading, and not supported by any verified payment records. I am requesting correction of this false late payment history. TransUnion is additionally reporting XXXX  XXXX Date Opened XX/XX/XXXX Balance Owed {$26000.00} as a Collection, but this account is not mine and I do not recognize this account at all. This is an erroneous collection entry that violates FCRA 602 ( A ), 607 ( B ), and 611 because TransUnion is publishing unverified and inaccurate information without proper substantiation. I am requesting deletion of this account immediately. I am demanding TransUnion follow all obligations under the Fair Credit Reporting Act including reinvestigation, removal of unverifiable items, removal of all wrong personal information, and correction of all inaccurate late payment reporting. The continued publication of false information is harming my financial health and must be resolved at once. I request CFPB intervention to ensure TransUnion completes a lawful and thorough reinvestigation and corrects or deletes all inaccurate items.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-04 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-04 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:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. Account in Question : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
My Chime account ending in XXXX experienced multiple unauthorized ATM withdrawals between XXXX XXXX XXXX totaling {$5700.00}. 
I did not possess my physical debit card for over a month during this period and only used my virtual card, which can not be used for ATM transactions. 

Chime approved some claims and issued partial provisional credits between XXXX XXXX XXXX, but wrongfully denied the remaining claims without providing any of the required Regulation E evidence, including : ATM location Terminal ID PIN verification data Card-present authentication Chip vs. magstripe logs Card status history Device/IP logs Time-stamped investigation documentation Chime also closed my account during the dispute process and issued generic denial letters with no supporting evidence.

This is not a compliant investigation under 12 CFR 1005.11.

I am requesting : 1. A full reinvestigation 2. All documents and evidence used in each denial 3. Immediate reimbursement of the remaining {$5700.00} 4. Written clarification for inconsistent determinations My full formal appeal is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
I am writing to dispute the following accounts listed on my credit report that I believe to be inaccurate. The accounts listed below have either been reported with incorrect information or are not reflective of my actual credit history. I am requesting a thorough investigation and correction of the following issues for each bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX XXXX 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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to National Credit Systems. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law.

The CFPB platform provides accountability and assurance that my request is properly forwarded and that National Credit Systems is required to respond.

In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them from my report. This issue is causing undue stress that is negatively affecting my financial standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
Multiple accounts are appearing on my credit report that I do not recognize and never authorized. I did not open, manage, or consent to any of these accounts, and their presence is inaccurate and misleading. This misreporting is damaging my credit reputation and creating significant concern about potential identity misuse.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing this letter to dispute the accuracy of several entries on my credit report regarding XXXX ( student loan ) accounts. These accounts are being reported multiple times, and reported as active, despite the fact that I am no longer in school and the information is not accurate. 

The following dates and amounts have been disputed and recorded previously to this message yet continue to show on my credit report. 

Account * XXXX Dates ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Amount Total Combined XXXX Please see attached copy of the dispute letter sent to XXXX ( excluding personal information ) Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Dispute of XXXX XXXX XXXX Reporting - Inaccurate & Duplicated Accounts ( FCRA Violations ) To Whom It May Concern, I am writing this letter to dispute the accuracy of several entries on my credit report regarding XXXX ( student loan ) accounts. These accounts are being reported multiple times, and reported as active, despite the fact that I am no longer in school and the information is not accurate. 
I am submitting this dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Accounts Being Disputed * Creditor : XXXX * Account Numbers ) : ( please list all account numbers as shown on your credit report ; if not known, write " multiple entries reported '' ) * Nature of Inaccuracy : * These XXXX accounts are appearing multiple times on my credit report. 
* They are reported as active, even though they should not be. 
* The entries are inconsistent and do not match my actual loan status. 
* The information is inaccurate and/or unverifiable.

Under the FCRA : FCRA 1681e ( b ) - Maximum possible accuracy You are required to ensure that all information in my file is accurate, complete, and not accurate, complete, and not misleading.

Duplicate accounts and inaccurate status reporting violate this requirement.

FCRA 1681 ( a ) - Reinvestigation of disputes You must conduct a reasonable reinvestigation within 30 days when a consumer disputes any item.

Requested Action I am requesting the following actions : 1. Remove all duplicate XXXX accounts appearing on my credit report. 
2. Correct the reporting status so it accurately reflects that the account is not currently active as reported. 
3. Delete any entries XXXX can not verify with full documentation. 
4. Provide me with an updated copy of my credit report once your reinvestigation is completed.

Included With This Letter I have included copies ( not originals ) of the Required Response Per FCRA 1681 ( a ), your reinvestigation must be completed within 30 days, and you must notify me in writing of the results, including whether any information was deleted or corrected. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation