vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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 have been checking my credit reports again and again, and it pains me to see that the inaccurate accounts are still there. I am begging for a careful review of the documents I attached so I can finally stop carrying this burden.

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 2025-10-17 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: CA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX days. Supporting documents are enclosed for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am filing a complaint regarding repeated denial of my dispute with Chime. 
Dispute # XXXX, totaling {$1400.00} in unauthorized charges made at " XXXX XXXX XXXX '' between XXXX XXXX XXXX was denied on XX/XX/year>. 
Despite providing full cooperation, Chime has denied my dispute multiple times without sufficient explanation. Chime had initially closed my account without my permission and deleted history of disputes for this particular merchant so they would like not have to pay me. 
I request CFPB intervention to ensure compliance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), and to secure reimbursement of the disputed funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very frustrated to see that those incorrect late payments are still appearing on my credit reports this morning. I refreshed my browser and nothing changed, which makes me really upset. I need the documents I sent to be reviewed carefully so this problem can finally be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to follow up my dispute last XX/XX/year> about the inaccurate late payment reporting from my credit file. 
The disputed accounts are : XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXXXXXX XXXX {$290.00}

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 2025-10-17 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: CORELOGIC INC
State: GA

Complaint narrative:
I am filing this complaint because Cotality ( formerly CoreLogic ) is collecting and reporting my personal and rental data without my authorization or a permissible purpose. I am not a XXXX  resident, and their online opt-out form claims it only applies to XXXX  residents . This is an unfair and deceptive practice that denies me access to my own consumer data rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and their own Data Privacy Framework Policy. 

Cotality ( formerly CoreLogic ) and its subsidiaries ( XXXX, XXXX, and XXXX  ) are furnishing or using my personal information in tenant screening reports that impact my ability to rent or purchase a home. I never gave consent for my data to be sold, shared, or used in any consumer reporting database. 

I have attempted to contact the company directly by email and phone to request deletion or suppression of my data, but they refuse to provide a method for non-XXXX residents to opt out or remove their data. This directly affects my ability to secure housing and violates the FCRAs requirement for maximum possible accuracy and consumer access to personal data. 

I am requesting that the CFPB investigate Cotality/CoreLogics refusal to : Provide a valid opt-out or deletion method for non-XXXX  residents ; Remove or suppress personal data used for rental screening without authorization ; and Cease the use or sale of my personal information in violation of federal consumer protection laws.

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 2025-10-17 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: TX

Complaint narrative:
THIS HARD INQUIRY WAS NEVER PERMITTED OR CONSENTED TO

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year> i deposited a check, The amount is for {$7800.00}, They told me mos of my money will be available in my account on the XXXX, ( XXXX ) I was able to work with that. Then i later got an email saying my check will be held until the XXXX Which unfortunately I am completely unable to wait till. I called the bank and they just geld me on hold for 55 minutes. So I drove to the bank and I was unable to speak to the lady at the counter because the lady at the door told me there is nothing she can do when I already read online that there was. I didnt want to argue so I left. I need the hold on my money released. The hold is for ( indicating that the check may be returned ) Which it 100 % will not be as the funds are available in the account it is coming from. I need this hold on my deposit verified and released asap from my bank this is not right! 

I currently bank with bank of america but will not be switching to a different branch. Thank you

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 2025-10-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXX/XX/XXXXregarding theseunauthorized inquiries, but they are still on my credit report. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, credit reports must include only data that is accurate, complete, and capable of being verified. I am formally requesting verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

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 2025-10-17 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:
This situation has led to considerable stress and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX days. Supporting documents are enclosed for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
This situation has led to considerable stress and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore peace of mind.

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 2025-10-17 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am officially requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or usage. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kopp Collection Service, Inc.
State: NY

Complaint narrative:
They keep calling and leaving voicemails now theyre sending me letters. I do not owe XXXX dollars for a copay, I paid it and have a receipt. I disputed it. I dont want them harassing me anymore about it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
PLEASE BLOCK AND REMOVE. 
This account has been reported inaccurately and should be deleted immediately. I never consented to it. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
My car was recently stolen. The local police found the car shortly after but didnt turn the car over to me because in was involved in another incident. I was behind on my payments because I was laid off. I informed them about my car being stolen. They offered me an extension and I agreed to it. After weeks car being used for an investigation, I got in contact with police department and they informed me that my car was at a local tow yard. Went by the tow yard and was informed that bridgecrest took my car to an auction lot. I didnt make my payment because I was unsure if my car would be totaled out. I got in contact with bridgecrest and asked them what the issue. They told didnt want my car to be over there so they took it upon themselves to take it. My account didnt show my car wasnt repossessed. I even asked them if it was repossessed and they said now. But in order to get my car back I got to pay a repossession fee by a certain day before my car will be auctioned off while Im still under contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: KY

Complaint narrative:
I am submitting this complaint regarding Experian and TransUnion for failing to block and delete fraudulent information after receiving proper identity theft documentation as required by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite valid documentationincluding my FTC Identity Theft Report, identification, and proof of addressthese bureaus continue reporting unauthorized accounts and inquiries that did not originate with me. These accounts include credit card charge-offs, XXXX XXXX, and debt buyer entries linked to identity theft. 

I have attached my CFPB/OCC Complaint 15 USC 1681c-2 EXXXX File ( XXXX XXXX ), which includes : A sworn verification statement, Correspondence letters to both Experian and TransUnion, Supporting exhibits XXXX highlighted report pages identifying each fraudulent item.

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 2025-10-17 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:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-10-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
The account listed is not mine and is inaccurately appearing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account listed is not mine and is inaccurately appearing on my credit file.

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