vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I am compelled to express my strong dissatisfaction with the inaccurate and damaging information present on my credit report in relation to my XXXX XXXX XXXXXXXX account. Despite the fact that this account has been closed and settled in full, it persistently displays instances of tardy payments, which are severely detrimental to my credit standing. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand verification of the accuracy, completeness, and timeliness of any information reported in my credit history.

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), failure to verify the information with utmost recision warrants immediate deletion or correction. 
Details of the Disputed Account : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Status : Closed and paid Inaccurate Information Reported : Late payments that do not reflect the current status of the account

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
This is what happened after the complaint was filed with CFPB against unfair bank practices and no action was taken. Instead, it got worse and the Chime bank created more problems for me. In my experience CFPB does not hold banks accountable. At first, I complained about blocked debit card and limited access to the checking, savings, credit builder accounts and my complaint was not satisfied as I was not heard. I did not get a monetary satisfaction for ongoing troubles. The month after month is passing by and the Chime still did not close my accounts. The Chime refused to close my accounts. What is that all about? What rights do representatives have to reject my request to close all accounts? Chime continues sending me emails like nothing happened and that abuse of my rights irritates me. I never had such experience that bank decline to close the account at the customer request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Complaint Regarding Incorrect Reporting of Closed Account Dear CFPB, I am filing a complaint regarding inaccurate information being reported on my credit file by XXXX XXXX XXXX. The account in question is listed as closed, but this is incorrect as it is my current auto loan. 

Details of the Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information being reported is inaccurate and has not been properly verified. I have disputed this matter directly with the credit bureaus and the furnisher, but the issue remains unresolved. 

Under 15 U.S.C. 1681 S2 ( a ), furnishers are required to report accurate information to the credit bureaus. Additionally, under 15 U.S.C. 1681i, the credit bureaus are obligated to perform a reasonable investigation of disputes within 30 days. Neither the furnisher nor the credit bureaus have provided sufficient evidence to support the reporting of this account as closed. 

I am requesting that the CFPB investigate this matter and ensure that the account status is corrected to reflect that it is open and active. 

Supporting Information : I have attached a copy of my credit report highlighting the inaccurate account. 
I am also providing any relevant documentation to verify my claim. 
This incorrect reporting is negatively impacting my credit profile, and I would appreciate your prompt attention to this matter. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Complaint Regarding Incorrect Reporting of Closed Account Dear CFPB, I am filing a complaint regarding inaccurate information being reported on my credit file by XXXX XXXX XXXX The account in question is listed as closed, but this is incorrect as it is my current auto loan. 

Details of the Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information being reported is inaccurate and has not been properly verified. I have disputed this matter directly with the credit bureaus and the furnisher, but the issue remains unresolved. 

Under 15 U.S.C. 1681 S2 ( a ), furnishers are required to report accurate information to the credit bureaus. Additionally, under 15 U.S.C. 1681i, the credit bureaus are obligated to perform a reasonable investigation of disputes within 30 days. Neither the furnisher nor the credit bureaus have provided sufficient evidence to support the reporting of this account as closed. 

I am requesting that the CFPB investigate this matter and ensure that the account status is corrected to reflect that it is open and active. 

Supporting Information : I have attached a copy of my credit report highlighting the inaccurate account. 
I am also providing any relevant documentation to verify my claim. 
This incorrect reporting is negatively impacting my credit profile, and I would appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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 2025-04-24 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: HI

Complaint narrative:
Complaint Regarding Incorrect Reporting of Closed Account Dear CFPB, I am filing a complaint regarding inaccurate information being reported on my credit file by XXXX XXXX XXXX. The account in question is listed as closed, but this is incorrect as it is my current auto loan. 

Details of the Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The information being reported is inaccurate and has not been properly verified. I have disputed this matter directly with the credit bureaus and the furnisher, but the issue remains unresolved. 

Under 15 U.S.C. 1681 S2 ( a ), furnishers are required to report accurate information to the credit bureaus. Additionally, under 15 U.S.C. 1681i, the credit bureaus are obligated to perform a reasonable investigation of disputes within 30 days. Neither the furnisher nor the credit bureaus have provided sufficient evidence to support the reporting of this account as closed. 

I am requesting that the CFPB investigate this matter and ensure that the account status is corrected to reflect that it is open and active. 

Supporting Information : I have attached a copy of my credit report highlighting the inaccurate account. 
I am also providing any relevant documentation to verify my claim. 
This incorrect reporting is negatively impacting my credit profile, and I would appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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 2025-04-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-24 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: OH

Complaint narrative:
I am filling a complaint because my creditor is reporting late payments on my account XXXX XXXX XXXX  XXXX that are inaccurate and not properly verified. I have disputed this with the creditor and the furnisher but the late payments remains without proper violation or documentation. Under 15 USC 1681s 2a furnisher must report accurate information Under 1681i the credit bureaus must perform a reasonable Investigation within 30 days. Neither of them have provided the sufficient evidence to support the negative the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
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 non-monetary relief
Consumer complaint received 2025-04-24 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TN

Complaint narrative:
On XX/XX/XXXX I went to XXXXXXXX XXXX  to get the 8 spark plugs I just bought put into my truck. I was quoted XXXXXXXX XXXX on the phone and then when I dropped my truck off the dude called back saying he broke 2 spark plug wires and my vacuum lines. I went to go get my truck and asked for the old spark plugs they only provided me with 6 saying they did not have the other two. I pulled out my code reader and sure enough still misfireing and there was other damage done and not fixed. also the manifold was not removed I have pictures showing the bolts have not been touched. I then went in To pay the XXXXXXXX XXXX and got threatened that they werent going to let me leave if I didnt pay more so I paid another XXXXXXXX XXXX  on my card and then proceeded to leave. When I went to go leave the gentleman XXXX threw a rock at my truck because he was unhappy that I called him out on him not doing the job properly and that I was contacting authorities. I tried to file the dispute immediately the bank said no they wouldnt I had to wait so I waited till it cleared then I proceeded to give them all my documentation and then they dragged their feet then denying the claim over two weeks later from the original date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NY

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 non-monetary relief
Consumer complaint received 2025-04-24 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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 non-monetary relief
Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states
a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-24 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: CA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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