vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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 requesting the removal of a hard inquiry from XXXX  XXXX XXXX on XXXX, XXXX, and TransUnion, dated XX/XX/year>. 

I did not authorize this inquiry and never initiated a credit application at this dealership. I have disputed the entry but no resolution has occurred. 

I request immediate removal and an investigation into how this inquiry was made without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
There are accounts listed on my credit report that I dont recognize, and since I didnt authorize them, they may be the result of identity theft. Ive raised this issue with you before, and Im following up to request that these accounts be promptly removed. Their presence has been XXXX, as they do not reflect my true credit history or financial conduct. This has been a challenging situation, and Im prepared to take legal steps if necessary to correct it. These inaccuracies are blocking important financial milestones, such as buying a home and supporting my family. Im eager to see this resolved quickly.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I mailed a formal dispute to [ Experian / TransUnion ] on XX/XX/year>, regarding inaccurate bankruptcy records. I requested verification or removal under FCRA 611. Over 90 days have passed with no response, which violates federal law. I am requesting removal of the bankruptcies and enforcement action. Documentation is attached.

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 2025-06-29 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: MD

Complaint narrative:
my right was violated as a consumer under 15usc1681b and i need these items blocked and deleted of my credit report XXXX XXXX XXXXXXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX date open XXXX XXXXXXXX XXXX  DEPT OF EDUCATION XXXX  account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account XXXX date open XXXXXXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXX date open XXXXXXXX XXXX  NEED REMOVE AND BLOCK FROM ALL THREE CREDIT BUREAU

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 2025-06-29 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am disputing a hard inquiry by Ally Financial reported on both XXXX  and XXXX, dated XX/XX/year>. 

I did not initiate or authorize any credit application with Ally Financial. Under FCRA law, this inquiry requires prior consent, which I did not provide. 

I ask for its immediate removal and resolution through the CFPB since no action has been taken by the bureaus so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My identity was stolen. Please delete everything off of my credit I did not agree with this credit report and I believe that I have been scammed.

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 2025-06-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am submitting this formal complaint and request regarding inaccurate and/or improperly furnished information on my consumer credit report. The following accounts have violated my federally protected rights to privacy, confidentiality, and accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been reported and/or maintained in violation of several FCRA provisions, and may involve discharged, canceled, or otherwise uncollectible debts. As such, I am also requesting that you provide me with IRS Form 1099-C for each of these accounts, where applicable, as evidence of debt cancellation or charge-off. 

FCRA Violations and Legal Basis : 1. 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of reported information. The presence of inaccurate or unverifiable data violates this requirement.

2. 15 U.S.C. 1681i ( a ) ( 5 ) If, after reinvestigation, an item is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must : Promptly delete or modify the item appropriately ; and Promptly notify the furnisher of such deletion or modification.

3. 15 U.S.C. 1681s-2 ( a ) Data furnishers are prohibited from reporting any information to a credit reporting agency if they know or have reasonable cause to believe the information is inaccurate.

4. 15 U.S.C. 1681b ( a ) ( 1 ) Information relating to a consumer may only be furnished or accessed with a legally permissible purpose. Improper reporting without such purpose constitutes a violation of this section. 

If no verification or proper documentation can be provided, I request immediate and permanent deletion of the accounts in question from all reporting files. 

Failure to comply may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or civil action under the FCRA to enforce my rights and seek appropriate remedies.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I submitted a payment on XX/XX/XXXX for {$2600.00} and it was not credited to my account. On XX/XX/XXXX I received an email notification that this payment was accepted, yet the balance says past due still as if I didnt just pay the credit card off completely. On XX/XX/XXXX I receive a notice that my credit line is being lowered due to the account being past due, AND The Percent Of The Last 12 Months Where The Payment Was Greater Than Or Equal To Statement Balance Is Too Low But again, that doesnt make sense because I am paying off the entire thing. 

I just submitted another payment for {$2800.00} to see if this will fix things as they seem to be maliciously making this difficult when Ive never had an issue with paying credit cards off each month in full. On XX/XX/XXXX, {$65.00} of interest was added as well. They are not accepting my payment for some reason, even though they are sending confirmation that I did pay, then not crediting my account with the payments saying I am past due and charging me interest. I have auto pay set up to always pay the statement balance in full, so this should never happen again. Please reverse the charges and credit my account properly with the accepted payments.

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 2025-06-29 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: MI

Complaint narrative:
Chime delayed dispute and failed to provide provisional credit for {$2000.00} XXXX XXXX ( Dispute XXXX XXXXXXXX ) Narrative : My name is XXXX XXXX. I filed a dispute with Chime ( Dispute # XXXX ) on XX/XX/2025, for a {$2000.00} XXXX transaction related to a XXXX XXXX that was never delivered. I submitted strong supporting evidence, including XXXX tracking that showed the package was never received, a canceled XXXX investigation, and confirmation from XXXX that no signature or proof of delivery exists. 

I paid for the XXXX using XXXX payment methods {$2000.00} from Chime and {$1200.00} from XXXX. I filed the same dispute with XXXX on the same day. They requested evidence, reviewed my documentation, and ruled in my favor by issuing a provisional credit immediately. Chime, however, has not provided any credit, update, or communication on the status of my case. 

Its been several weeks, and Chime has not asked for additional documentation or provided a timeline. I believe they are violating their responsibility under Regulation E to issue a temporary credit when strong evidence is provided and resolution is delayed. 
Im requesting that the CFPB step in to ensure Chime takes appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesla, Inc.
State: CA

Complaint narrative:
A principal payment was made of {$12000.00} was made at the start of the loan, 1 year ago, XX/XX/XXXX. Tesla stated this would not be applied to the principal until 1 year of interest had passed as Tesla filed it under " partial principal payment '' for their recast payment. THIS IS VERY DECEPTIVE AND DESERVES INVESTIGATION. 

A {$28000.00} principal payment was then made XX/XX/XXXX, to get close to paying off loan. 

On XX/XX/XXXX the usual monthly payment of {$540.00} was taken. Only {$330.00} remain of the principal ( out of {$45000.00} ) Shortly after that automatic payment, " late payment '' notices occurred without any statements. 

XX/XX/XXXX - I sent an email XX/XX/XXXX to Payment Resolutions at XXXX XX/XX/XXXX - Payment Resolutions raised the inquiry with the Finance Department stating the The XXXX statement was released incorrectly stating XX/XX/XXXX payment was not paid, and billing " {$1600.00} '' for the month of XXXX. THIS IS ABSOLUTELY NOT WHAT WAS IN OUR CONTRACT. 

XX/XX/XXXX - XXXX sent another email asking for a reply and referencing the statement. 
XX/XX/XXXX - XXXX reply from Payment resolution stating they sent a notification to finance department, but gave me the option of contacting them myself. 

XX/XX/XXXX - still no response from finance department. I sent another email, to Payment Resolutions saying if they can't reach them, how do they expect me to reach them? I did cc the Tesla Finance email they gave me. 

XX/XX/XXXX - XXXXesla finance replies " please give us 2-4 business days to provide a follow up '' XX/XX/XXXX - no response. I send Tesla Finance an email requesting for an update and a payoff amount to end this silly loan. I ask if they can not provide an explanation, to pause the " due payments '' and late penalties that may accrue. 

XX/XX/XXXX - No actual updates from Tesla finance about the charges or payoff amount, just stating " we are unable to pause payments Collection efforts and notifications will continue. '' Violation of Early Pay Provision and TILA ( Truth In Lending Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
Im disputing an unauthorized hard inquiry from XXXX XXXX XXXX listed on both my XXXX  and Equifax reports dated XX/XX/year>. 

I did not apply for any financing with XXXX, and I never gave permission for this credit check. Ive already contacted the credit bureaus without resolution. 

This inquiry is harming my credit without cause. I request its immediate deletion from all applicable reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am requesting the removal of multiple unauthorized inquiries from Exeter Finance XXXX that appear on XXXX XXXX XXXX XXXX XXXXXX/XX/year> and again on XX/XX/year> ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

These inquiries were made without my consent. I never applied for credit with Exeter, and this is causing harm to my credit profile. 

Ive attempted to resolve this with the bureaus but the inquiries remain. I am now requesting a formal investigation through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
I used {$1500.00} of a Best Buy credit card through Citi Bank in XXXX of XXXX, I owed {$1100.00} in XXXX of XXXX, Citi bank then bumped the amount owed to pay up to {$1800.00} after already paying off {$340.00} in a full year of paying $ XXXX {$60.00} a month. It is now about to be XXXX of XXXX  and I still owe a total of {$1600.00} after 2 years of paying towards the credit card. I do not understand where my money has been going or how this is even legal. In the last year Ive paid {$720.00} but only {$190.00} went towards my actual payment. Therefore I paid {$520.00} in interest.

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 2025-06-29 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: MD

Complaint narrative:
my right was violated as a consumer under 15usc1681b and i need these items blocked and deleted of my credit report ... XXXX XXXXXXXX account number XXXX date open XXXX ... XXXX  XXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX date open XXXX ... XXXX XXXX account number XXXX date open XXXX XXXXXXXX XXXX DEPT OF EDUCATION XXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX XXXX account XXXX date open XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX date open XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX date open XXXX ..... NEED REMOVE AND BLOCK FROM ALL THREE CREDIT BUREAU

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 2025-06-29 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:
Upon reviewing my credit report, I was alarmed to discover an account that i do not recognize. This indicates I may have been a victim of identity theft. I am formally requesting the immediate removal of this fraudulent account, as it is seriously damaging my credit and hindering my ability to access financial 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 2025-06-29 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My mortgage loan has been set up for autopay for a year. Due to fraud against my checking account my bank had to close my checking account - rendering payment options cancelled. The bank did open a new account for me, but the checks and bank cards would not be available for 5 to 7 days. I removed autopay from all of my auto pay accounts - except my mortgage account. I couldn't sign in the Carrington website because it requires a verification code sent to my email. The code wasn't sent. The sign in page did not provide a customer service phone number. I used the internet to look up the number and found it. It directed me back to the website to sign in. I tried several numbers to see if I could find an option to pay by phone. I had no luck. Finally, I thought the company would contact me because the auto pay would be rejected. They did call - on the XXXX  of the month. I explained everything, and immediately made my payment over the phone. What a relief. Then I received a message from the credit bureau - my mortgage payment was reported over 30 days late. That mark will be on my credit for years. I protested but the Carrington rep said the payment I made didn't get posted until the following month and they had to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: KY

Complaint narrative:
I asked XXXX  and XXXX  to fix this incorrectly Reported information on my account!! That was Reported as late Payments!!! ( XXXX XXXX ) is Reporting Different Account Opened date.. Different account Numbers and Different Payment Details are different from XXXX!!! With me Requesting Payment history and ask for account Number that are different from these 2 credit bureau and also have different Monthly Payments arent been Reporting the same E Either its No why I can honestly assure Any Thing that been Reported is Correct and accurate reporting fair and correct!! I would this account to be Removed or updated to Current!!

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 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX XXXX deposited over {$20000.00} into my XXXX  account. As the fund came in, I transferred them to my XXXX XXXX account. Approximately {$4500.00} were listed as " TRANSFERRED '' but it shows XXXX XXXX never receiving those funds. I'm having a difficult time pin pointing the exact transactions that are in limbo so it may be a mistake within the statement itself. I've contacted XXXX  and XXXX XXXX, I have been fighting for it for over XXXX  years now.

Company response to consumer: Closed with explanation