vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: IA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-14 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

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 2025-11-14 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: OH

Complaint narrative:
Remove this fraudulent acct from my credit profile, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am sending to formally dispute the accuracy of several accounts appearing on my credit report. Upon reviewing my report carefully, I discovered discrepancies that do not align with the records I have meticulously maintained, and I am requesting that these accounts be corrected to reflect accurate information. I am requesting only that the inaccuracies be corrected in compliance with federal law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement.

I am submitting this statement to formally report Equifax s continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XXXX, XXXX  and XX/XX/2025, XXXX  has failed to remove or block the fraudulent XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. that were opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Equifax with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report No. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
In XX/XX/year>, my fully paid XXXX cryptocurrency holdings were liquidated by Robinhood Financial LLC without my authorization or prior notice. At the time, my account had no deficit, no borrowing, and no margin call. 

Earlier, my account had been temporarily restricted for verification, and I submitted all requested documents ( selfie and bank statement ). The restriction was lifted, yet about one week later, XXXX sold my XXXX holdings during a market downturn, resulting in a {$50000.00} financial loss. 

I received no notification or explanation before or after the liquidation. Attempts to contact the company for clarification were unsuccessful. 

This situation highlights the risks of unauthorized liquidation on digital asset platforms and the importance of clear communication with customers. I am filing this complaint to seek reimbursement and to alert others to potential risks when holding cryptocurrency on trading platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: PA

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 XXXX  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 2025-11-14 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: TX

Complaint narrative:
I previously submitted a dispute regarding several inaccurate items appearing on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00}. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), I am entitled to have all information reported about me be accurate, complete, and properly verified, and any disputed information must be fully investigated. Despite my prior submission, I have not received confirmation of a reinvestigation, any explanation for the continued reporting of these accounts, or validation from the data furnishers, which raises concerns regarding compliance with the FCRAs accuracy and reinvestigation requirements.

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 2025-11-14 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: CA

Complaint narrative:
I am filing a complaint against Chime Financial , Inc. for failing to properly investigate XXXX unauthorized debit transactions on my account ending in XXXX, even after I provided strong evidence that my vehicle was broken into and my belongings were stolen. I filed an official police report with the XXXX XXXX Police Department, Summary Incident Report # XXXX, and submitted it to Chime as proof. 

Despite this, Chime denied both disputes and claimed they found no error. Chime did not contact the merchant, did not request supporting documentation, and did not conduct a meaningful Regulation E investigation before closing the claims. 

Here are the dispute details : Unauthorized Transaction Dispute # XXXX Account : Ending XXXX Claim ID : XXXX Type : Unauthorized Debit Transaction Date Reported : XX/XX/year> Amount : {$160.00} Unauthorized Transaction Dispute # XXXX Account : Ending XXXX Claim ID : XXXX Type : Unauthorized Debit Transaction Date Reported : XX/XX/year> Amount : {$760.00} In addition to the theft, I was experiencing a serious personal illness that limited my ability to take action immediately. Even so, I reported the transactions and provided Chime with the police report as soon as I was able. My condition made the financial loss even more difficult, and I depended on Chime to follow federal law and handle the dispute properly. 

Instead, Chime failed to : Contact the merchant for verification Request or review merchant documentation Consider the police report showing theft Conduct a reasonable investigation Provide provisional credit when required Explain what evidence they used to deny the claims Their investigation was superficial and did not meet Regulation E requirements.

Under federal law, Chime is required to : 1. Conduct a prompt and reasonable investigation 2. Contact the merchant and gather documentation 3. Provide provisional credit if the investigation exceeds 10 business days 4. Provide written results and the evidence used 5. Not deny a claim without meaningful review of available information Chime failed to comply with these obligations. 

This situation has caused significant financial and personal stress, especially since I provided a police report and notified them while recovering from a serious illness. 

I am requesting that the CFPB : Require Chime to reopen and properly investigate both disputes Verify whether Chime contacted the merchant ( they did not ) Require provisional credit if mandated Review Chimes dispute-handling practices for Regulation E violations Require Chime to provide all documentation used to deny my disputes Ensure Chime complies with federal consumer protection requirements Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized items that have appeared on my credit report. I take my personal information, credit reputation, and financial identity very seriously, and seeing these errors has been both alarming and disruptive. I routinely review my credit file to ensure its accuracy, and during my most recent review, I discovered several entries that do not belong to me and have no connection to my life, my identity, or my financial activity. These inaccuracies not only damage my credit standing but also create unnecessary worry about potential identity misuse or clerical errors. For these reasons, I must address each inaccurate item immediately and demand proper action under federal lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-14 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: PR

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX and XXXX XXXX XXXX are reporting balances that directly contradict a binding court-ordered divorce stipulation. Both creditors are reporting the full balance as my responsibility even though the court order legally limits my liability to ( XXXX XXXX ) and ( XXXX XXXX ) of the remaining balances. 

This incorrect and misleading reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and is causing ongoing financial harm. 
1. Court Order Defines My Exact Liability My divorce judgment ( Page 8 of 22 ) establishes the following : Consumer Portfolio Services ( XXXX XXXX XXXX ) I am legally responsible for of the remaining balance. 
The order states : Husband shall be responsible for XXXX of the remaining balance Wife shall be responsible for XXXX of the remaining balance. 
( You clarified this was adjusted final responsibility =. ) other auto debt ) I am legally responsible for only XXXX of the remaining balance Quote from the judgment : Wife shall be responsible for XXXX of the remaining balance of any debt associated with the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) However, both creditors continue reporting the full balances as solely owed by me, which is inaccurate, misleading, and not legally permissible. 



2. Inaccurate Reporting That Violates FCRA The creditors are reporting : XXXX XXXX XXXX  ( XXXX ) Reporting {$10000.00} Reporting full past-due and full balance as owed by me This is wrong, because I am responsible for only XXXX XXXX XXXX Reporting {$10000.00} Reporting the entire balance as my obligation This is false, because legally I am responsible for only This violates the following FCRA provisions : FCRA Violations 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures for maximum accuracy 15 U.S.C. 1681i failure to conduct a proper reinvestigation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information known or should be known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) continuing to furnish inaccurate information after notice Reporting full balances when a court order explicitly divides liability is inherently misleading

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 2025-11-14 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-14 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: CA

Complaint narrative:
I am writing to formally dispute and request a reinvestigation of inaccurate late payment information reported on my credit report. After reviewing my credit file carefully, I discovered that my XXXX XXXX XXXX account, ending in XXXX, with a balance of {$13000.00}, opened on XX/XX/XXXX on Equifax, and last activity on XX/XX/XXXX but last activity on XX/XX/XXXX on TransUnion and Experian, is reported with numerous late payments that do not accurately reflect my actual payment history. 
Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain maximum possible accuracy in the information they report. The current late payment history for this account clearly falls short of this standard, as the data contradicts my verified payment records. Accurate reporting is critical to maintaining the integrity of my credit profile.

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 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
My student loans with the Department of Education have been in income contingent repayment for XXXX years. I have never been able to afford payments. I filed a complaint with the CFPB requesting that the loans be discharged by Aidvantage and the XXXXXXXX XXXX XXXXXXXX as it is prohibiting me from financing a home. Aidvantage responded that the loan would be eligible for discharge based on the number of completed billing cycles in XX/XX/year>. This was false information. The Department of Education confirmed that eligibility for deferment would occur in XX/XX/year>. It is now XXXX of XXXX  and the loans are still not XXXX. My credit still reflects the loan amounts due, and I feel that my civil liberties are being violated. I satisfied the terms of my loan agreement and am still being penalized. I am requesting immediate discharge of all balances due so I can live my best life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
during 2019 when Capital One has a security breach I was a customer and my information was exposed by cyber attack

Company response to consumer: Closed with explanation