vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> In line with the Fair Credit Reporting Act ( FCRA ) , I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed public information on my TransUnion credit report, requesting validation. The information was marked as verified, but they failed to provide details of the validation process.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
I am filing a complaint against Chime Financial , Inc. due to unauthorized transactions that occurred despite being assured by Chime that a specific merchant was blocked. Chimes failure to uphold their block caused significant financial harm, and they have refused to reverse the charges or provide provisional credit, even after acknowledging their error. 

Details of the Issue : On XX/XX/2025, I contacted Chime customer support, and they informed me that the merchant XXXX XXXXXXXX had been blocked from processing transactions on my account. Despite this, I noticed that on XX/XX/2025, the merchant was still able to process transactions on my Chime account, resulting in charges of XXXX. I have attached screenshots and communication records showing that Chime assured me the merchant was blocked. 

I have contacted Chime multiple times to request an immediate reversal of the charges or a provisional credit, but they have denied my request and failed to provide a solution. I am seeking a full reversal of the unauthorized transactions or at least a provisional credit while this issue is being investigated. 

Resolution Sought : I am seeking : 1. Immediate reversal of the unauthorized charges, totaling XXXX. 
2. If a reversal is not possible, I request an immediate provisional credit while my dispute is under review. 

Previous Attempts to Resolve : I have already contacted Chimes customer support several times. I have received no adequate resolution, and my requests for a provisional credit and reversal have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Experian/Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XXXX XXXX, XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XXXX XXXX, XXXX These accounts have resulted in several fraudulent late payments, closed, and charged off accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copies of FTC Identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Under FCRA 611 ( 15 U.S.C. 16811 ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit.Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against Experian reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

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 2025-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX was negligent because they didn't have consumer protection warnings in place and I was put at a major risk to lose my money because they didn't do their due diligence. This violated the Electronic Transfer Act. According to FDIC they aren't in compliance.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Okay, incorporating that detail strengthens your case. Here 's the revised version : Subject : Dispute Regarding Incorrect Delinquency Reporting, Unprofessional Customer Service, and Violation of Company Policy On XX/XX/XXXX, I contacted the company regarding a significant and incorrect delinquency report on my credit file. The report indicated an 11-month delinquency on a student loan account. 

The issue stems from an incorrect classification of my student loan status. I am currently enrolled in a XXXX  XXXX  at XXXX XXXX XXXX, with continuous enrollment since XX/XX/XXXX. This enrollment status qualifies my student loan for deferment. 

During the call, I informed the representative of my current enrollment status and offered to provide supporting documentation. The representative stated that I had been " deferred for too long, '' which is inaccurate. I requested to speak with a manager to resolve the issue. The representative initially stated no managers were available. After a 30-minute hold, the representative returned, again stating no manager was available.

Furthermore, the representative attempted to provoke me into abusive or harassing behavior. I stated that I was aware that representatives are not permitted to terminate calls. The representative confirmed this policy. Despite this, and my continued requests to speak with a manager and my insistence on waiting, the representative deliberately terminated the call.

This call involved a refusal to acknowledge my valid deferment status, a denial of access to management, a deliberate attempt to provoke me, a confirmation of the " no hang up '' policy, and a direct violation of that policy. The incorrect delinquency report, which has caused a substantial decrease in my credit score of XXXX points, is a direct result of the company 's inaccurate reporting. I have documentation, including an official enrollment verification letter dated XX/XX/XXXX, to prove my current student status. 

I am requesting an immediate investigation into this matter, the removal of the incorrect delinquency report, a formal response regarding the unprofessional conduct of the representative, and an explanation of the violation of the company 's " no hang up '' policy. I expect a prompt correction of my credit file and a thorough resolution to the customer service and policy violation issues.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: AZ

Complaint narrative:
Okay, incorporating that detail strengthens your case. Here 's the revised version : Subject : Dispute Regarding Incorrect Delinquency Reporting, Unprofessional Customer Service, and Violation of Company Policy On XX/XX/XXXX, I contacted the company regarding a significant and incorrect delinquency report on my credit file. The report indicated an 11-month delinquency on a student loan account. 

The issue stems from an incorrect classification of my student loan status. I am currently enrolled in a XXXX XXXX  at XXXX  XXXX XXXX, with continuous enrollment since XX/XX/XXXX. This enrollment status qualifies my student loan for deferment. 

During the call, I informed the representative of my current enrollment status and offered to provide supporting documentation. The representative stated that I had been " deferred for too long, '' which is inaccurate. I requested to speak with a manager to resolve the issue. The representative initially stated no managers were available. After a 30-minute hold, the representative returned, again stating no manager was available.

Furthermore, the representative attempted to provoke me into abusive or harassing behavior. I stated that I was aware that representatives are not permitted to terminate calls. The representative confirmed this policy. Despite this, and my continued requests to speak with a manager and my insistence on waiting, the representative deliberately terminated the call.

This call involved a refusal to acknowledge my valid deferment status, a denial of access to management, a deliberate attempt to provoke me, a confirmation of the " no hang up '' policy, and a direct violation of that policy. The incorrect delinquency report, which has caused a substantial decrease in my credit score of XXXX points, is a direct result of the company 's inaccurate reporting. I have documentation, including an official enrollment verification letter dated XX/XX/XXXX, to prove my current student status. 

I am requesting an immediate investigation into this matter, the removal of the incorrect delinquency report, a formal response regarding the unprofessional conduct of the representative, and an explanation of the violation of the company 's " no hang up '' policy. I expect a prompt correction of my credit file and a thorough resolution to the customer service and policy violation issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NV

Complaint narrative:
I am writing to formally dispute an item on my credit report, as it was added without my consent and is not in compliance with applicable laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. This entry is invalid and should be removed immediately. Please conduct a thorough investigation and provide documentation to support its legitimacy or promptly remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to follow up regarding my communication regarding my identity theft case. As a victim of identity theft, I requested your assistance in the following matters : 1. Closure of the unauthorized account.

2. Removal of any charges associated with this unauthorized account.

3. Steps taken to eliminate this information from my credit files XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Is inaccurate information CORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ONE & ONLY ADDRESS THAT SHOULD BE ON MY REPORT ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inaccurate information CORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ONE & ONLY ADDRESS THAT SHOULD BE ON MY REPORT ) XXXX XXXX XXXX Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX XXXX Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX XXXX Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX Is inaccurate information XXXX MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX XXXX Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX Is inaccurate information ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX $ on rent which I left and told the rent office and I still got charged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-03-17 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}

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