vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-11-07 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MO

Complaint narrative:
I sent a certified debt validation request to Hunter Warfield regarding an alleged apartment collection. They only sent a ledger and did not provide a signed lease or other documentation proving I owe the debt. The balance remains unverified, yet the account continues to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
CFPB Complaint Statement I am filing a complaint because Synchrony Bank and XXXXXXXX XXXX improperly denied my fraud disputes. 
I was the victim of a criminal fraud scheme in New York. A suspect lured me from out of state by promising a construction job. He later manipulated me into purchasing gold at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX using my credit cards ( Synchrony : {$7100.00} ; Chase : {$8000.00} ) .Although I physically carried the gold out of the store, the suspect never allowed me to separate from him. That night, he took me to a XXXX where I experienced symptoms of being drugged : dizziness, slow reactions, and memory loss. During this period, the suspect stole all the gold from me. 
I never kept the merchandise and never benefited from it. 
I filed a police report with the XXXX ( Report XXXX. XXXX ) and submitted a supplemental statement explaining the drugging, coercion, and theft. 
Both banks denied my dispute only because the merchant stated that I carried the gold out of the store. This does not reflect the actual fraud, the theft, nor the fact that I was drugged and deprived of the merchandise. 
Their investigation was incomplete and inadequate. 
I request that CFPB require both banks to reopen and properly investigate my fraud claims.

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 2025-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/2025, I deposited a check for {$1800.00} via mobile deposit. The funds were placed on an extended hold for XXXX business days. This amount is well below the large deposit threshold. 

I called Chime financial, inc today, Friday, XX/XX/2025. My call was escalated to a supervisor after I was told the reason for the hold was " AI review and security reasons. '' The supervisor refused to perform a manual override and repeatedly failed to provide the written electronic notice of the Regulation CC exception hold that details the specific factual basis for the hold, despite being asked multiple times. The bank is in non-compliance with the XXXX Funds Availability Act by failing to provide the mandatory documentation. I request an immediate manual review and release of the {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
This entry inaccurately depicts my financial conduct and appears to be a mistake. Please make the necessary corrections to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Account closed in XXXX  as retaliation to a concern that I brought to the companys attention about selling my account into a XXXX  without informing me directly. Never committed fraud, missed a payment or ever paid late so no other factors would have warranted shutting down my 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 explanation
Consumer complaint received 2025-11-07 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: CT

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccuracies on my credit report. I have identified multiple accounts in dispute across the three major credit bureausXXXX XXXX XXXX XXXX, Experian ( EX ), and XXXX XXXX XXXX XXXX. Below, I have outlined each account in dispute and request that these items be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Inquiries : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/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 2025-11-07 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: GA

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my TransUnion credit report. These items do not accurately reflect my financial history and need to be investigated. 

Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$630.00} I request full verification of the charge-off status for this account, as I believe this information may be inaccurate. Kindly provide supporting documentation or remove this 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint as a consumer seeking accurate and verified reporting across all credit bureaus. The accounts listed below appear to be inaccurate, unverifiable, or reported in error. I am requesting a formal investigation and verification under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, as well as permanent removal of any information that can not be fully verified as accurate and current.1. 

Charged Off Account XXXX XXXX XXXX XXXX ( Account # XXXX ) This account is being reported inaccurately. It is showing as a charged-off account dated XX/XX/XXXX with a balance of {$520.00}. This account was included and XXXX under my XXXX  XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXX ). Therefore, it should not be reported as active, charged off, or with any balance due. I am requesting that this account be updated to show included in bankruptcy, {$0.00} balance or deleted entirely. 

2. XXXX  Reporting XXXX XXXX XXXX XXXX ( Case # XXXX, filed XX/XX/XXXX ) is being inaccurately associated with the above debt. All included accounts should be properly marked as discharged. Please correct all related reporting errors. 

3. InquirieXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ) These hard inquiries were not authorized by me. I did not apply for credit with either company. I request that both inquiries be removed as unauthorized. 

4. Late Payment Reporting XXXX ( Acct # XXXX ), XXXX  ( Acct # XXXX ), XXXX  ( Acct # XXXX ) These accounts are reporting late payments inaccurately. Payments were made on time, and documentation can be provided. I request the removal or correction of any late payment not supported by verified payment history.

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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
essentially, on monday XX/XX/XXXX, i was contacted by ARS about a debt. i was transferred about..... 5 times trying to resoslve this. the final rep i talked to told me my account was marked for fraud and the payment didnt go through. when i asked how it would be fraud, he said " it just is. why didnt you have money in your account? '' when i told him im in XXXX  school working for free he chuckled at me and said okay? you shouldve had the money in your account. at this point i became elevated and tearful and he said " im not going to listen to the gaslighting XXXX  '' and hung up on me.

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 2025-11-07 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: FL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I went with the purchaser to XXXX XXXX XXXXXXXX in person to obtain a {$7000.00} cashiers check. I deposited it at Wells Fargo on the same day ( XX/XX/year> ). Wells Fargo released the funds ( {$400.00} same day ) and the rest the next day at around XXXX, and I used the money to pay a bill. 

Later that day at around XXXX, Wells Fargo suddenly placed a hold on the check, causing my account to go {$7000.00}, even though the funds had already been made available. And they only sent an email advising not to use the funds the following day, which it was Wednesday at XXXX, over XXXX hours later that the funds were made available and I used the money. 

The purchaser confirmed with XXXX XXXX XXXXXXXX that the funds have already left his account and the check is valid. The check has not been returned. 

Wells Fargo says they will hold the funds until XX/XX/XXXX. Because of the negative balance, I will not be able to access my paycheck today, which I need for my childrens school. 

I am requesting immediate release of the funds or provisional credit and reversal of the overdraft.

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 2025-11-07 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: OK

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 non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Fraudulent and Inconsistent Account Reporting Across Credit Bureaus Dear Consumer Financial Protection Bureau, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that is fraudulently reported and inconsistently listed across the three major credit bureaus. 

The account in question has been reported under three different names and numbers by each bureau : Experian : XXXX XXXX XXXX  Account No. XXXX Equifax : XXXX XXXX XXXX Account No. XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX Account No. XXXX This account does not belong to me. I have never opened or authorized any account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). The inconsistent reporting across all three credit bureaus clearly indicates that the data furnisher is providing inaccurate, unverifiable, and misleading information, which directly violates my rights under : 15 U.S.C. 1681s-2 : Duty of furnishers to provide accurate information.

15 U.S.C. 1681i : Right to a reinvestigation of disputed information.

15 U.S.C. 1692g : Right to validation of debts under the FDCPA.

I have already disputed this matter with each bureau and requested validation of the alleged debt, yet the inaccurate information remains. The continued reporting of this account constitutes negligent and willful noncompliance with the FCRA. 
I am requesting that the CFPB investigate this matter immediately and compel : Experian, Equifax, and TransUnion to delete the fraudulent account from my reports. 
The furnisher ( s ) of this data to provide complete validation or cease reporting altogether. 

Written confirmation from all involved entities detailing the steps taken to correct my credit file. 

I am attaching copies of my ID, proof of address, for your review. 
This situation has caused unnecessary harm to my credit profile and peace of mind. I respectfully request your intervention to ensure compliance with federal consumer protection laws. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 2025-11-07 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 writing to formally file a complaint regarding inaccurate information appearing on my credit report, which has caused significant distress and potential damage to my creditworthiness. I request immediate investigation and correction of the following discrepancies : Incorrect Addresses reported on my credit file : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have never lived at these addresses. Their presence on my credit report is entirely inaccurate and must be removed immediately. 

Charge-Off Accounts that I have no knowledge of : XXXX XXXX XXXXXXXX XXXX, High Balance : {$3700.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, High Balance : {$2700.00}, Date Opened : XX/XX/XXXX I dispute these accounts in their entirety. I have never opened or authorized these accounts, and I demand that they be deleted from my credit report immediately. 

Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize these inquiries. These must be removed as they are impacting my credit score unfairly. 

I request that you investigate these matters promptly and direct the relevant credit reporting agencies to correct my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and reporting incorrect information is a violation of my rights. 

Please confirm receipt of this complaint and provide me with updates on the actions taken to resolve these inaccuracies. 

Thank you for your prompt attention to this serious 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 2025-11-07 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-07 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: SD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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