vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payment records listed on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information in my report must be accurate, complete, and verifiable. I am asking that these late payment entries be investigated, and if they can not be verified, they should be updated or deleted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited a check from my retirement account. They keep moving the funds available date. They say even though it cleared they expect it to be returned. It wont, its s legit check, they keep restarting 7 day hold. Ive been transferred and disconnected.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- Balance : {$1800.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- Balance : {$7100.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- Balance : {$3900.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- Balance : {$3600.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- Balance : {$2400.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- Balance : {$6200.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- Balance : {$6400.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are late payment records listed on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information in my report must be accurate, complete, and verifiable. I am asking that these late payment entries be investigated, and if they can not be verified, they should be updated or deleted accordingly.

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 2025-11-13 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: FL

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 XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and reliable credit report. I am requesting that these collection entries be investigated, and if they can not be confirmed as accurate, they should be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: OPTUM BANK, INC.
State: NJ

Complaint narrative:
I have my transit pass via employer through my payroll with the company XXXX. I charged my transit pass on XX/XX/year> my transit amount for the month I contribute is {$310.00}. My ticket is {$530.00} and I do split pay to pay for this ticket. My transit money of XXXX was deducted but I never got my ticket. The transit company refunded the XXXX to XXXX they initially put it in to a different account once they resolve that issue and put the funds in to the correct account and now my claim to refund that XXXX because I paid the whole {$530.00} out of my personal credit card is not being refunded even though the money is fully available. They only processed my claim for {$10.00} and denied for {$310.00}. I have no way of getting this money back because they keep on speaking to as if they understand the issue but do something drastically different than issue me the funds. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Multiple unauthorized inquiries have appeared on my credit report for accounts I never applied for. These include : CAPITAL ONE Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX I did not authorize any of these inquiries. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or unauthorized information on my credit report. These inquiries are fraudulent or erroneous and must be permanently removed from my credit file. 
I demand that all the listed inquiries be deleted permanently and that my credit report be corrected accordingly. Please provide written confirmation once these inquiries have been removed. 

2. Company name XXXX  XXXX XXXX Problem type Account status incorrect ( showing open account as charged off when it is not ) What happened / Fair resolution I want XXXX XXXXXXXX XXXX is reporting an account as charged off, which is inaccurate. I did not authorize this and it is erroneous. I request that this account be permanently removed and deleted from my credit report and that I receive written confirmation once it has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX -- Balance : {$1700.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- Balance : {$510.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-11-13 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: CA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report, which contain discrepancies in the reporting of charged-off accounts, late payments, and inquiries. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Late Payments : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX Date Opened : 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 2025-11-13 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: TX

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in reporting these payments are both unfair and unlawful.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
It's been 7 months but I and I can't remember exact day because when I find a dispute they had locked blocked me from my account for like 5 months they just now let me back on the account and now all of a sudden they won't let me get on the account because I couldn't remember the phone number to the account but then when I prove that you didn't need the phone number to access the account one woman told me that the address on my account was incorrect I found out there was a lot then another person and they gave me to where I could talk to dispute I'm having a concert with you dispute and I asked the woman in this view why has it taken 8 months now to answer me on my dispute and the woman told me to hold on and she was fixing to call and she's with the transfer me to another department where I can get my refund and you know what the pharmacy transferred me back to customer service and then they told me they were going to transfer me back to dispute so I was asking me I said why wouldn't why did he transfer to me to you sir I asked him why did she transfer me to you when I'm already talking to her and trying to find out so when I finally then he ended up hanging up so I called back they said that again before I hang up so I call back and then I got back onto my account and that's when they tell me that my dispute have been closed but they don't give me a time a day or anything don't that seem suspicious

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
b'On XXXX XXXX was my first incident with my check not being deposited into my account within a timely manner. I had reached out to to the financial institution that sent the payment to verify it had been sent but Chime had yet to post it to my account. On XXXX XXXX I had another issue with a check being held. I deposited a check into my account thinking the funds would be available. I reached out to customer service when I noticed the payment was not coming through and was told they had to do a 5 day hold on the check. I requested the check to be cancelled and would just deposit/cash it at my other financial institution since they could not. I was told they could not cancel and I would have to wait the 5 days which caused a hardship on my family with the funds being held. On XXXX XXXX I started to have issues with my normal parol scheduled checks arriving in a timely manner. I normally receive my deposit around XXXX XXXX XXXX on Wednesday this particular day I did not. I reached out to customer service and was told to check with my company HR department because they dont hold payments and id they had receive it the funds are released immediately. I reached out to HR department and was told they process payroll at  the same time each payroll cycle. I feel as though the company is abusing and overstepping its financial guidelines. I have reached out again on several occasions regarding my check being late. I reached out on XXXX XXXX XXXX due to my check being late once again. I was told by an agent for the inconvenience of the check hitting late at XXXX XXXX XXXX XXXX he would apply a XXXX spot me credit to my account for the month of XXXX but would expire at the end of the month. On XXXX XXXX a week latter the credit was removed. I reached out to customer service and explained what was told to me to an agent and manager but was told there is nothing they can do even though it was there mistake and was given an incident number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MO

Complaint narrative:
At the beginning of the year I pulled all 3 credit reports. At that time my credit score was over XXXX. I have no unpaid accounts and I have never been late. Some of the account information on old accounts are over 10 years old and should have been removed. There are close to 2 or 3 accounts reporting negatively on my credit report. I believe they are retail cards for which I have none. There are also inquiries for which I have not applied to. My information has been stolen. I am in a safe at home program provided by the secretary of state and it's for my protection. Im a survivor of XXXX XXXX and the ex spouse placed a forwarding mail order in my name and sent my mail to his personal mail address. I verified this with the supervisor in XXXX Louisiana. I also contacted the united states postal supervisor and filed a complaint. The only inquires I should have on my credit report are from accounts I currently have that are open and in good standing. Any other inquiries need to be removed. I am not shopping for credit card offers or loans of any kind. There are tons of credit inquiries for various companies that I did not give authorization to release my personal information. Some of the credit accounts are not reflecting the current and accurate information. Which alienated me from getting in the marketplace for fair interest rates and offers. This is a result of the credit bureaus not reporting correct and accurate information. Almost weekly I get some kind of alert of changes to my account. I have all of my credit bureaus locked or frozen. Its lifted temporarily for credit increases only or to verify my identity with current accounts I have. I disputed addresses, names, accounts that do not belong to me. Including debts that are the responsibility of my ex spouse. Any accounts over 10 years old need to be removed. Creditors like XXXX XXXX continue to send me offers. I get alerts saying I currently have accounts and suspicious behavior. I do not have a credit card with them. I also received an offer for XXXX XXXX and XXXX in my email. I discovered these accounts on my credit report. I contacted them immediately and requested those accounts be closed. I never received a physical card. I never established credit with them and requested them to be removed off my credit report. XXXX, XXXX, XXXX are accounts of my ex spouse. I was the authorized card user. These accounts are over 10 years old and should be removed

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