vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-02 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: Harris & Harris, Ltd.
State: PA

Complaint narrative:
This is still on my credit report. This was supposed to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AL

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! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: AL

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! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: 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.

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 2025-06-02 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: 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.

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 2025-06-02 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 formally requesting that the unauthorized accounts on my credit report be blocked and removed as quickly as possible. I have no connection to these accounts, nor did I authorize them. In line with USC 1681g, I request their removal within 15 days. Please find the attached documents for your review. The account data being reported to each bureau is inaccurate and inconsistent.

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TN

Complaint narrative:
It was back in XXXX my account keep getting hacked and money was missing from my account every other day, even when I was on the phone with them and the money was taking out, right then and there I have onerous my of conversation with them about my money and never responded back to me or act like they didnt know what I was talking about, I mean large amount of funds not no petty change

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NV

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$31.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$190.00} INQUIRIES : XXXXXXXX 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 2025-06-02 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: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX TX. XXXXSubj:  Formal Dispute Regarding Inaccurate Information on My Credit Report.\n\nDear XXXX:\n\nI am writing to formally dispute inaccurate information on my credit report that I believes harming my financial well-being.  I am aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuracies as required by federal law.  \n\nRecently, the Consumer Financial Protection Bureau  filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes citing, Sham Investigations and other unlawful practices.  These practices, as outlined by the CFPB, include:\n\nConducting inadequate investigations that fail to address consumer disputes properly.\n\nReinstating previously disputed and inaccurate information without explanation.\n\nFailing to notify consumers about investigation results effectively.\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.  I am deeply concerned that my dispute may be mishandled in a similar manner.\n\nPlease review the Inaccurate information being reported.  \n\nStudent loans\nBankruptcies\nLate payments\nDiligent accounts \nCredit cards showing closed\n\nUnder the FCRA, you are required to:\nConduct a proper investigation into my dispute.\nInform me of the results of your investigation in a clear and comprehensible manner.\nProvide me with any documentation you rely on if the disputed information   is verified as accurate.  Ensure that the inaccurate or unverifiable information is  corrected or removed from my credit report properly.  If the investigation  concludes that the information cannot be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.  \n\nFurthermore, I request written confirmation of the actions you take in response to this dispute.  If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.\n\nThank you for addressing this matter promptly.  I look forward to your response within the legally mandated 30 day timeframe.\n\nSincerely\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Synovus Bank
State: SD

Complaint narrative:
I have called first digital requesting them to remove my work number from there list and they keep asking wha the last purchase was ( havent used the card in approx 5 mnths or more ) and payment. They will not remove my work number even after speaking with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DC

Complaint narrative:
On XX/XX/year>, I placed an order through the XXXX mobile app, and my debit card from Chime was charged. The food was never delivered. 

I contacted XXXX, and they acknowledged the mistake and stated in writing that a refund would be issued. I have screenshots of their email confirming this. 

I submitted a dispute with Chime, but it was denied on XX/XX/XXXX with no written explanation which violates Regulation E ( 12 CFR 1005.11 ), which requires a written explanation for any denial. 

I filed a second dispute, but as of XX/XX/year>, Chime still has not resolved the claim and has not provided a provisional credit, despite the timeline exceeding the 10-business day requirement under Regulation E. They keep telling me to call to speak with the dispute Chime has failed to provide transparency, timely resolution, or provisional reimbursement. I believe they are not complying with federal consumer protection laws, and I am requesting CFPB assistance to investigate and recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 checked my credit report and saw that there is a collection that doesn't blong to me I have asked for it to be validadted but I have not received any confirmation of the valdation 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 explanation
Consumer complaint received 2025-06-02 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:
I checked my credit report and saw that there is a collection that doesn't blong to me I have asked for it to be validadted but I have not received any confirmation of the valdation of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX : XXXX XXXX XXXX XXXX. 

Consumer XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT ACCOUNTS : * XXXX ; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXX * XXXX XXXX; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXX * XXXX XXXX XXXX  ; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXX * XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXX * XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX  Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 non-monetary relief
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am submitting this complaint to formally report inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), which mandates the timely and accurate update of consumer credit reports to reflect bankruptcy discharges. 

On XX/XX/XXXX, I filed for XXXX  XXXX bankruptcy in the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio, XXXX XXXX under Case No. XXXX. My bankruptcy was fully discharged, and as of XX/XX/XXXX, the court officially closed the case and finalized all proceedings. Despite this discharge, certain accounts that were included in the bankruptcy remain inaccurately reported on my credit report as active, delinquent, or charged off, without any indication that they were discharged in bankruptcy. 

These reporting errors are not only misleading but also unlawful under FCRA and potentially the FDCPA ( 15 U.S.C. 1692e ( 8 ) ) if the information continues to be communicated to third parties as valid debt. I have disputed these inaccuracies with the credit bureaus and furnishers directly, yet the issues persist. 

The continued misreporting has caused substantial personal and financial harm, including denial of credit, elevated insurance premiums, and emotional distress. This undermines the purpose of bankruptcy relief and impairs my ability to rebuild credit post-discharge. 

Attached documentation includes : A copy of my bankruptcy discharge order. 

A copy of the credit report showing inaccurate tradeline reporting. 

Copies of dispute letters sent to credit reporting agencies and creditors. 

Requested Resolution : I am requesting that the CFPB require all furnishers and credit reporting agencies involved to : Immediately update my credit report to accurately reflect the XXXX  XXXX bankruptcy discharge. 

Remove any negative tradelines that were included in the bankruptcy but remain inaccurately reported. 

Conduct a full investigation in compliance with 15 U.S.C. 1681i and provide written confirmation of the results. 

Thank you for your assistance in resolving this matter and upholding my rights as a consumer.

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 2025-06-02 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: GA

Complaint narrative:
I am submitting this complaint to formally report inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), which mandates the timely and accurate update of consumer credit reports to reflect bankruptcy discharges. 

On XX/XX/XXXX, I filed for XXXX  XXXX bankruptcy in the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio, XXXX XXXX under Case No. XXXX. My bankruptcy was fully discharged, and as of XX/XX/XXXX, the court officially closed the case and finalized all proceedings. Despite this discharge, certain accounts that were included in the bankruptcy remain inaccurately reported on my credit report as active, delinquent, or charged off, without any indication that they were discharged in bankruptcy. 

These reporting errors are not only misleading but also unlawful under FCRA and potentially the FDCPA ( 15 U.S.C. 1692e ( 8 ) ) if the information continues to be communicated to third parties as valid debt. I have disputed these inaccuracies with the credit bureaus and furnishers directly, yet the issues persist. 

The continued misreporting has caused substantial personal and financial harm, including denial of credit, elevated insurance premiums, and emotional distress. This undermines the purpose of bankruptcy relief and impairs my ability to rebuild credit post-discharge. 

Attached documentation includes : A copy of my bankruptcy discharge order. 

A copy of the credit report showing inaccurate tradeline reporting. 

Copies of dispute letters sent to credit reporting agencies and creditors. 

Requested Resolution : I am requesting that the CFPB require all furnishers and credit reporting agencies involved to : Immediately update my credit report to accurately reflect the XXXX  XXXX bankruptcy discharge. 

Remove any negative tradelines that were included in the bankruptcy but remain inaccurately reported. 

Conduct a full investigation in compliance with 15 U.S.C. 1681i and provide written confirmation of the results. 

Thank you for your assistance in resolving this matter and upholding my rights as a consumer.

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