vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I am submitting this complaint regarding multipleinaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensureaccuracy and proper verification.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Credit Acceptance has been reversing payments on the payment history but taking money and not applying to the account. Credit Acceptance has been adding inaccurate interest charges to pay history and reporting not paid with credit bureau being my credit score down for months showing 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am disputing TransUnions continued reporting of a fraudulent XXXX credit card account that was not opened by me. This account was created using my Social Security number without my authorization, and I am a documented victim of identity theft. 

After discovering the fraudulent account, I completed all required steps to report identity theft. I filed an Identity Theft Report with the Federal Trade Commission and a police report with the XXXX Police Department. I also submitted proof of my identity and all supporting documentation as required under the Fair Credit Reporting Act. Despite receiving this information, TransUnion refused to block and remove the fraudulent XXXX account from my credit report. 

The continued reporting of this account is particularly concerning because the information being furnished is inaccurate and inconsistent. TransUnion is reporting a balance of approximately {$1800.00}, while other credit bureaus are reporting significantly different balances for the same account. These inconsistencies demonstrate that the information TransUnion is reporting is unreliable and does not accurately reflect any legitimate account activity. 

Additionally, the original furnisher, XXXX, has provided misleading information by asserting that the account is valid despite clear evidence of identity theft. TransUnion has relied on this inaccurate furnisher information rather than complying with its obligation to block identity-theft-related accounts once proper documentation is received. 

I did not open this account, did not authorize any charges, and am not responsible for the debt. Any payments that appear on the account were made under pressure from ongoing collection activity and do not establish liability or legitimacy. 

I am formally requesting that TransUnion immediately block and permanently remove this fraudulent XXXX credit card account from my credit report. If TransUnion continues to report this account despite verified identity theft documentation, I intend to seek legal representation to enforce my rights under the Fair Credit Reporting Act.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My Capital One credit card account was closed unexpectedly due to unusual activity. 

I have always made all payments on time and have never had any violations, late payments, or fraudulent activity on this account. 

Five days prior to the closure, I attempted a legitimate purchase of an auto part for {$2400.00}. This transaction was declined and never posted. No over-limit charge occurred and no loss was incurred by Capital One. 

I was not contacted for verification, nor given an opportunity to confirm the legitimacy of the transaction before the account was closed. 

I am requesting a written explanation of the closure and confirmation that this account closure will be reported as closed by creditor paid as agreed, with no negative credit reporting related to customer misconduct or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received fraud text alerts for another customer account. I called the bank to remove my number from that customers account and they refused even though i could prove it was my phone number. My phone number is my PII and i should be able to request its protection. I yried customer service line and went to the bank in person.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year> I revoked both ACH and debit card payment for {$540.00} payment for XXXX XXXX or any other subsidiaries. I also stopped payment with Bank of America. I was charged to XXXX anyway and I filed a claim with Bank of America which they did not honor. However, they reopened the claim on XX/XX/year> after denying it on XX/XX/year> when I provided proof that I had revoked the ACH and debit payments legally, in writing, with XXXX. Today, XX/XX/year> Bank of America debited my account the XXXX anyway.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
Somebody hacked into my chime account and transferred their self money without permission I filed three disputes with chime and nobody can help me I sent them proof I didn't authorize I sent proof I was at work I filed a police report This person lives in XXXX  and I prove to them that I live in XXXX  They should be able to see that I've never transferred any money to this person or even out of XXXX XXXX XXXX  and they're still denying my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 have reviewed my credit reports from the three major credit bureausTransUnion, Experian, and Equifaxand identified multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively affecting my credit profile and do not accurately reflect my credit history. Despite my attempts to address these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. 

The following issues were identified : Multiple charge-off accounts are listed without proper validation or supporting documentation. 

Several accounts appear as duplicate listings across different bureaus with inconsistent statuses. 

Some accounts continue to show delinquent or late payments, even though they have been paid off, settled, or are currently in good standing. 

Certain accounts were never authorized or do not correspond with my known credit activity. 

One or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation. 

I have submitted disputes under my rights outlined in the Fair Credit Reporting Act ( FCRA ), but have not yet received an appropriate resolution or deletion of unverifiable accounts. This situation is preventing me from accessing essential financial services, including housing and auto financing.

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 2025-12-15 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:
I have reviewed my credit reports from the three major credit bureausTransUnion, Experian, and Equifaxand identified multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively affecting my credit profile and do not accurately reflect my credit history. Despite my attempts to address these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. 

The following issues were identified : Multiple charge-off accounts are listed without proper validation or supporting documentation. 

Several accounts appear as duplicate listings across different bureaus with inconsistent statuses. 

Some accounts continue to show delinquent or late payments, even though they have been paid off, settled, or are currently in good standing. 

Certain accounts were never authorized or do not correspond with my known credit activity. 

One or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation. 

I have submitted disputes under my rights outlined in the Fair Credit Reporting Act ( FCRA ), but have not yet received an appropriate resolution or deletion of unverifiable accounts. This situation is preventing me from accessing essential financial services, including housing and auto financing.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
new american funding \To Whom It May Concern, I am writing this letter personally and with sincerity to formally dispute multiple mortgage-related credit inquiries that appear on my TransUnion credit report. These inquiries are inaccurate, misleading, and have caused real harm to my credit profile. 

During a single mortgage-related event, my loan was transferred between mortgage companies. As a result, multiple mortgage inquiries were placed on my credit report without my direct authorization or a separate permissible purpose for each inquiry. I did not submit multiple mortgage applications, nor did I provide written authorization for each company that accessed my credit file. 

Under the Fair Credit Reporting Act, consumer reporting agencies may only report inquiries that were made for a permissible purpose and with proper authorization : 15 U.S.C. 1681b limits access to consumer reports to specific, authorized purposes 15 U.S.C. 1681e ( b ) requires TransUnion to maintain maximum possible accuracy 15 U.S.C. 1681i requires a reasonable reinvestigation of disputed information The reporting of multiple mortgage inquiries arising from a single loan transfer is misleading and does not accurately reflect my actual credit-seeking behavior. These inquiries falsely suggest that I repeatedly applied for new mortgage credit, which is not true and has negatively impacted my credit score.

I am respectfully requesting that TransUnion : Conduct a lawful and reasonable reinvestigation of all mortgage-related inquiries associated with this loan transfer Require each inquiring company to provide proof of a permissible purpose and my written authorization Remove any inquiry that can not be fully verified as authorized and permissible under the FCRA Provide me with an updated copy of my credit report reflecting the removal of any inaccurate inquiries I am not disputing legitimate credit activity. I am simply asking that my credit report fairly and accurately reflect my true financial actions. The presence of these inquiries has caused unnecessary stress and has interfered with my ability to maintain and rebuild my credit. 

Thank you for your time and consideration. I trust that you will uphold its obligations under federal law and ensure that only accurate, authorized information remains on my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CO

Complaint narrative:
Dear Sir/Madam, I am submitting this filing in an effort to resolve disputes regarding certain items on my credit report. Below are the details of the accounts that I believe require further investigation and correction. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$11000.00}

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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
[ Your Full Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Date ] Experian / Equifax / TransUnion [ Use bureau address or online dispute portal ] RE : Dispute of Inaccurate Personal Information ( Addresses ) To Whom It May Concern, I am writing to formally dispute inaccurate personal information appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit report, I noticed that several addresses listed are incorrect, incomplete, outdated, or unknown to me. I have never lived at or do not recognize the following addresses : [ List incorrect/unknown address # 1 ] [ List incorrect/unknown address # 2 ] [ List incorrect/unknown address # 3 ] These addresses are inaccurate and do not reflect my current or prior residences. I request that you * * remove all incorrect, outdated, or unverifiable addresses * * from my credit file immediately. 

Please update my credit report to reflect * * only my current, accurate address * *, listed below : [ Your Correct Current Address ] Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of consumer information. If these addresses can not be verified as accurate, they must be deleted.

Please provide written confirmation once the disputed information has been removed or corrected.

Thank you for your prompt attention to this matter.

Sincerely, [ Your Full Name ] [ Date of Birth optional ] [ Last 4 digits of SSN optional ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
[ Your Full Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Date ] Experian / Equifax / TransUnion [ Use bureau address or online dispute portal ] RE : Dispute of Inaccurate Personal Information ( Addresses ) To Whom It May Concern, I am writing to formally dispute inaccurate personal information appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit report, I noticed that several addresses listed are incorrect, incomplete, outdated, or unknown to me. I have never lived at or do not recognize the following addresses : [ List incorrect/unknown address # 1 ] [ List incorrect/unknown address # 2 ] [ List incorrect/unknown address # 3 ] These addresses are inaccurate and do not reflect my current or prior residences. I request that you * * remove all incorrect, outdated, or unverifiable addresses * * from my credit file immediately. 

Please update my credit report to reflect * * only my current, accurate address * *, listed below : [ Your Correct Current Address ] Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of consumer information. If these addresses can not be verified as accurate, they must be deleted.

Please provide written confirmation once the disputed information has been removed or corrected.

Thank you for your prompt attention to this matter.

Sincerely, [ Your Full Name ] [ Date of Birth optional ] [ Last 4 digits of SSN optional ]

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 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I paid the balance in full which reflected as of Friday XX/XX/XXXX. I have called this XXXX  XX/XX/XXXX and was told that I must wait for the app to reflect it and that they have no way to generate manually the paid in full balance PDF and that I must wait for the app and could not give me an accurate date as well. I have also sent an email, however, I have sent multiple emails leading up to this and either support via the phone # or their email have caused numerous delays up until this point without clearly stating requirements. Initially, they were vague about the requirements and why I had to pay down the balance to allow it to transfer which the buyer was not qualified for. Now that I have paid it off in full there is another delay with stating I am asking for a customized letter and I am not asking for that but for the statement showing its paid.

Company response to consumer: Closed with explanation