vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: NC

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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, th ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

Account number Indigo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: KY

Complaint narrative:
On XX/XX/year>, I called Discover Card 's fraud department to report an individual I know gained access to and stolen my credit card and used it for CashApp and ATM transactions without authorization. Discover 's fraud XXXX advised that under its written policies, customers are " never '' responsible for theft, fraud or unauthorized transactions. I conveyed the perpetrator 's name and contact information. Discover opened case ID XXXX for my card ending in XXXX. Subsequently I pressed charges against the perpetrator and emailed the official police report to Discover, with the assigned XXXX 's contact information. But, on XX/XX/year>, Discover denied my fraud case and revoked the {$1200.00} provisional credit. I requested a re-review which Discover also denied. On XX/XX/year>, a Discover fraud XXXX explained that despite how its fraud policy says customers are " never '' liable for fraud, Discover retains discretion to not apply the XXXX guarantee policy in some cases. The XXXX reviewed the notes for my case which did not contain a reason for explanation why Discover refuses to honor its XXXX liability written policy. The police investigation is still active. I regularly call and email Discover 's fraud department with updates about same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding TransUnions Mishandling of Credit Report Disputes, Address Updates, and Investigation Procedures To Whom It May Concern, I am writing to formally raise a complaint against TransUnion regarding its continued failure to properly investigate disputes on my credit report and its refusal to update my personal address, even after I submitted valid documentation multiple times.

Specifically : TransUnion has failed to update my current address, despite my repeated requests and submission of official documentation ( such as utility bills and identification ) clearly showing my residence at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX. 

This failure to update my personal information not only violates the Fair Credit Reporting Act ( FCRA ) but also impacts the accuracy and reliability of my credit profile. 

Additionally, TransUnion has demonstrated a pattern of failing to conduct proper investigations into disputes Ive filed regarding inaccurate information, and has not provided sufficient documentation to furnishers as part of those disputes.

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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute of 8 Negative Credit Card Accounts on Credit Reports Request for Investigation and Removal Under FCRA To Whom It May Concern, I am submitting a formal dispute regarding 8 credit card accounts reported negatively on my credit reports by Equifax, XXXX XXXX XXXX These accounts either appear inaccurate, are unverifiable, or contain derogatory information that I believe is not being reported in compliance with the Fair Credit Reporting Act ( FCRA ). I respectfully request that an investigation be conducted and that these accounts be deleted if found to be unverifiable or reported inaccurately. 



Accounts in Dispute : XXXX XXXX XXXX ( Closed ) Reported to Equifax, XXXX XXXX XXXX XXXX XXXX  ( Closed ) Reported to Equifax, XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Closed ) Reported to Equifax, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Closed ) Reported to Equifax, XXXX XXXX XXXX XXXX XXXX ( Open ) Reported to Equifax XXXX. XXXX XXXX XXXX XXXX ( Closed ) Reported to Equifax, XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Closed ) Reported to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Closed ) Reported to Equifax, XXXX XXXX Status : XXXX days past due, Balance : {$0.00}, Worst Delinquency : 120 days FCRA Provisions Supporting This Dispute : 15 U.S.C . 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies must reinvestigate disputed information within 30 days.

15 U.S.C. 1681s-2 ( b ) : Information furnishers must investigate and correct/delete any inaccurate or unverifiable data.

15 U.S.C. 1681e ( b ) : Requires credit bureaus to maintain maximum possible accuracy in reporting.

15 U.S.C. 1681i ( a ) ( 5 ) : Unverifiable or inaccurate information must be promptly deleted.

Action Requested : 1. Reinvestigate all 8 accounts listed above.

2. Remove any accounts that are inaccurate, outdated, or can not be verified with full supporting documentation.

3. Provide all documentation used to verify the accounts.

4. Remove derogatory items for accounts with {$0.00} balances and no ongoing delinquency.

I am exercising my rights under the FCRA and request that the Consumer Financial Protection Bureau ensure full compliance by the credit reporting agencies and furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
I reached out to the company about an inquiry that I noticed that was fraudulent, and they could not answer any of my questions nor provide any 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 2025-06-10 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: WI

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 explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: NV

Complaint narrative:
2nd Complaint to CFPB refer to complaint id XXXX Chime Bank XX/XX/XXXXXXXX  funds were taken electronically out of my account in the amount of {$2900.00}. I contacted Chime once I noticed funds were missing XX/XX/XXXX. Disputed the charges 3 separate occasions XX/XX/XXXX, XXXX, XX/XX/XXXX. All 3 times I was informed no error has occurred Consumer law states : When the alleged error is an unauthorized EFT, the EFTA places the burden of proof on the financial institution to establish the transaction was authorized. Therefore, if the institution can not establish the disputed EFT transaction was authorized, the institution must credit the consumers account.XXXX * Where is Chimes Burden of Proof that these charges were authorized by me. There is none. Consumer Violation # 1 Chime also states via their disclosure agreement and website : Chime cards are backed by XXXX  XXXX Liability Policy.1 Members can shop worry-free at millions of locations, knowing theyre not responsible for unauthorized charges if their Chime XXXX XXXX XXXX  or Chime Credit XXXX XXXX XXXX XXXX XXXX is lost , stolen, or fraudulently used, online or offline. Members should contact Chime right away if they notice an unauthorized charge * In which once again I notified Chime of my unauthorized charges, Im supposed to be Not liable I did what it says. How am I still being held liable, false advertising maybe? 

Consumer violation 2 : 100.5 ( 6 ) Liability under state law or agreement. If state law or an agreement between the consumer and the financial institution imposes less liability than is provided by this section, the consumer 's liability shall not exceed the amount imposed under the state law or agreement.

Consumer Violation 3 : 11 ( d ) Procedures if Financial Institution Determines No Error or Different Error Occurred 11 ( d ) ( 1 ) Written Explanation 1. Request for documentation. When a consumer requests copies of documents, the financial institution must provide the copies in an understandable form. If an institution relied on magnetic tape, it must convert the applicable data into readable form, for example, by printing it and explaining any codes.

I was NOT provided any copies of how they came up with their results as i requested. I was provided this generic response : When we received your dispute, we gathered evidence pertaining to your dispute claim and made our decision based on this evidence. This included information that we had available to us at the time, including but not limited to : Transaction processing details Fraud alert responses related to transactions Login and authentication history My entire phone was stolen which Chime was provided a police report of course fraud responses were answered, someone else had my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am filing this complaint against KIKOFF LENDING LLC for violating federal law by reporting incomplete, inaccurate, and misleading information to the consumer reporting agencies regarding an account with the partial number XXXX. 



Allegations and Legal Violations : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) KIKOFF LENDING LLC has reported negative information to consumer reporting agencies without first sending the required legal disclosures under the Fair Debt Collection Practices Act. I was never given written notice regarding the alleged debt or my right to dispute the information within 30 days before it was reported. This failure to notify me constitutes a clear violation of the FDCPA. 2. Incomplete and Unverifiable Account Informatio
n The account being reported lacks a full account number, which prevents me from validating whether this account even belongs to me.
Under the Fair Credit Reporting Act ( FCRA ), any account furnished to a credit bureau must be complete and verifiable. The absence of a full account number makes the information unreliable and misleading.

3. Improper Late Payment Reporting Violation of 15 U.S. Code 1666b This account lists multiple late payments, yet KIKOFF LENDING LLC failed to provide me with notice of payment due dates and potential consequences prior to reporting the delinquencies. This is a direct violation of 15 U.S. Code 1666b Timing of payments, which mandates that consumers be properly informed before negative marks can be reported.

4. Failure to Return Alleged Credit Balance Violation of 12 CFR 1026.11 If this account has been terminated or charged off, any alleged remaining credit balance must be returned to me, the consumer, as required under 12 CFR 1026.11 Treatment of credit balances ; account termination. KIKOFF LENDING LLC has not complied with this regulation, further compounding the financial damage caused by their unlawful reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
15 USC 1681 c-2 I am making a statement in regards to some fraudulent activity I have found on my credit report I never gave consent to any of these items block and remove all items mentioned on FTC & PDF I want them deleted immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item.

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

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 explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
I recently checked my credit report and noticed some unfamiliar inquiries, I believe I have become a victim of identity theft. The inquires are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove these fraudulent inquires from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MS

Complaint narrative:
I have reviewed my credit report and discovered fraudulent accounts that I did not authorize. These accounts are damaging my credit profile and affecting my ability to obtain credit.

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 2025-06-10 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: CA

Complaint narrative:
I recently viewed my consumer credit reports and noticed several inaccuracies, unauthorized Inquiries and two addresses that are not mine. Addresses Not Mine : XXXX XXXX XXXX XXXX XXXX Ca. XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX  ), XXXX XXXX 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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: AZ

Complaint narrative:
I am desperate to remove my direct deposit from XXXX XXXX XXXX  however social security does not answer their phone so I try to do money transfer from direct express to XXXX az XXXX XXXX XXXXXXXX XXXX XXXX think that they make the decision to allow money transfer I dont need permission from XXXXXXXX XXXX XXXX I have the right to do money transfer without getting permission from XXXXXXXX XXXX XXXX but XXXXXXXX XXXX XXXX deny the money transfer now you see why I want to have my direct deposit moved out of XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX percent of my purchases then say it not us it is XXXX what complete XXXX XXXX XXXXoes not deny any purchases it is because I file complaint against direct express so direct express retaliate by denying my purchases

Company response to consumer: Closed with explanation