vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: WV

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} XXXX  settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 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 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

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 2025-10-14 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: MI

Complaint narrative:
To whom it may concern, I am a victim of identity theft and unauthorized activity related to a data breach.

Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax, Experian and Transunion. To support this request, I have included the following documents : A copy of my government issued photo Identification and proof of address. 
XXXX. XXXX XXXX XXXX # XXXX {$4200.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$17000.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$11000.00} XXXX. XXXX XXXXXXXX XXXX XXXX # XXXX {$11000.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$2800.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$7700.00} XXXX. XXXX XXXX # XXXX {$1200.00} Please confirm the account name and account number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-10-14 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: MI

Complaint narrative:
To whom it may concern, I am a victim of identity theft and unauthorized activity related to a data breach.

Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax, Experian and Transunion. To support this request, I have included the following documents : A copy of my government issued photo Identification and proof of address. 
XXXX. XXXX XXXX XXXX # XXXX {$4200.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$17000.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$11000.00} XXXX. XXXX XXXXXXXX XXXX XXXX # XXXX {$11000.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$2800.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$7700.00} XXXX. XXXX XXXX # XXXX {$1200.00} Please confirm the account name and account number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPEDNELNET - XXXXXXXX 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

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 2025-10-14 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: TX

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 explanation
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
FAIR COLLECTIONS & OUT is falsely reporting on my credit. I have never had any accounts with them. Per my research FAIR COLLECTIONS & OUT is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-14 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: MN

Complaint narrative:
XXXX  - I was never late on this account, please remove late payment history.

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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Company : Chime Financial , Inc. 
Account Type : Checking and Savings Summary of what happened : On XX/XX/year>, at approximately XXXX XXXX, my Chime account was accessed by someone without my authorization. Within minutesaround XXXXXXXX XXXXhe unauthorized person transferred all of my funds from my savings account into checking and sent {$49.00} to a recipient I do not know or recognize. 

I did not authorize, approve, or benefit from this transaction. I have never shared my login credentials, debit card, or any verification information with anyone. This incident is a clear case of an unauthorized electronic fund transfer as defined by Regulation E ( 12 CFR 1005 ).

I did not even receive the transaction notification email until around XXXX XXXX that same evening, even though it was timestamped for the time of the theft. This delay prevented me from discovering and reporting the fraud immediately. 

I reported the incident to Chime the same day ( XX/XX/year> ) and filed a dispute. However, Chime denied my dispute twice, even after I provided evidence of suspicious login activity, the delayed email notification, and proof that I did not know or authorize the recipient. 



What I am requesting : I am requesting that Chime : XXXX. Reopen and reinvestigate my case as a XXXX XXXX unauthorized transaction, XXXX. Refund the stolen {$49.00}, and XXXX. Provide a written explanation of how they concluded their initial investigation. 



Supporting details : Unauthorized access occurred : XX/XX/year>, at XXXXXXXX XXXX  Transaction occurred : XXXXXXXX XXXX Notification email received : XXXXXXXX XXXX  same day ( delayed ) Amount lost : {$49.00} ( entire balance ) Chime card ending in XXXX Dispute originally filed with Chime on XX/XX/year> Dispute denied twice despite proof of account compromise I have documentation of the transaction timestamps, screenshots showing the delayed email, and Chimes dispute responses. 

I am asking for assistance ensuring Chime follows Regulation E and properly credits my account for the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax 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 2025-10-14 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:
There are errors being reported 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
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: CA

Complaint narrative:
I financed {$4900.00} on a deferred-interest/ no interest if paid in full by the promotional end date plan. I made my payments in good faith and understood that paying the promotional balance within the promo window would waive all accrued interest. Despite this, PatientFi later assessed approximately {$1800.00} in deferred interest retroactively.

PatientFi now states the promotional period ended XX/XX/year>. I have asked for ( and not received ) a complete account ledger with posted dates/times for each payment, the interest-calculation worksheet, and the specific contract clause and time-zone cut-off used to claim I missed the deadline. Without these, I can not verify their position. My records show I met the spirit and terms of the promotion and was never alerted to any residual balance before the retroactive interest appeared. 

On XX/XX/year>, PatientFi ( rep XXXX XXXX emailed that if I paid {$680.00} by XX/XX/year>, they would waive remaining interest and mark the account Paid in Full. In that same email they acknowledged a {$120.00} payment posted XX/XX/year> and stated {$680.00} would be applied {$190.00} to principal / {$490.00} to interest. 
To avoid harm while disputing, I paid under protest, including the {$680.00}. My total paid since XX/XX/year> is {$800.00}. Despite thisand despite PatientFis own settlement termsthey have not refunded the overpayment nor provided a transparent ledger or interest-calculation worksheet showing why retroactive interest was charged in the first place. I have repeatedly requested : ( 1 ) a complete transaction ledger with posted dates/times and how each payment was applied ; ( 2 ) the contract clause/time-zone cut-off used to determine I missed the promo; and ( 3 ) a corrected payoff confirming {$0.00} balance. I have not received adequate documentation.

Why Im filing : This dispute turns on exact posting times and clear promotional terms. PatientFi has been vague about rectifying the issue, has taken funds under protest, and has not returned amounts paid beyond what was required.

Desired resolution : 1. Refund all amounts paid above the true remaining principal ; at minimum, refund any amount paid above {$190.00} 2. Provide a written paid-in-full letter and update any credit reporting to reflect Paid in Full / {$0.00} balance ( not settled ).

3. Provide the full ledger and interest-calculation worksheet for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
Hello, I had my credit report pulled by a mortgage lender and they gave me the address that's reported on the credit report they pulled. I sent certified mail to that address and the address is not valid - can i have this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On Monday XX/XX/year> I contacted Goldman Sachs to dispute a sharge for {$6900.00}. After disputing the charge Goldman Sachs did not issue a provisional credit and continues to report the charge on my account. Goldman Sachs refuses to physically investigate the disputed charges beyond its automated systems as required by the XXXX and FCRA and has violated my federal and state consumer protection rights under the FCBA.

I have notified Goldman Sachs that I am a " Protected Person '' and that their practices are abusive towards a person with a XXXX XXXXXXXX and they have chosen to exercise willful non-compliance and willful negligence by continuing the reporting of an amount that has been disputed by the consumer..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
II am filing this complaint regarding a fraudulent credit card account that has been incorrectly reported to my credit file and mishandled by both Citi and XXXX despite my prior disputes. 

In [ month/year you first received the calls ], I began receiving calls from a collection agency claiming that I owed a balance on a Citi-branded credit card allegedly opened several years ago. The agency was unable to identify the specific brand partner, only stating it may have been associated with a hotel or airline.

I have never opened or authorized any Citi credit card account, nor have I applied for any form of credit since purchasing a vehicle in XXXX. The agency listed an address in XXXX, California, where I have never lived or conducted business. In fact, the only time I have ever been to California in the past 20 years was a brief airport layover. 

Initially, I suspected this was a scam. However, upon reviewing my credit report, I discovered that this Citi-branded account was indeed being reported, along with several other accounts and addresses that do not belong to me including one in XXXX XXXX XXXX Texas, which appears to correspond to a shopping center, not a residence. 

I immediately contacted XXXX to dispute these fraudulent items and demanded their removal. XXXX removed the false addresses but failed to remove the fraudulent Citi account, which remains on my report. I also noted that my credit file includes several phone numbers that are not mine, further confirming that I am a victim of identity theft. 

I sent a written dispute and demand letter to XXXX in XX/XX/XXXX, and more than 30 days have passed without any proper resolution or verification response, as required under the Fair Credit Reporting Act ( FCRA ).

At this point, Citi must permanently remove this fraudulent account and cease reporting it to the credit bureaus. XXXX must also comply with FCRA requirements and delete all information associated with this identity theft from my credit file immediately.

Requested Resolution Removal of the fraudulent Citi-branded credit card account from my credit file.

Confirmation from Citi that no account in my name exists or will be pursued for collection. 

Removal of all false addresses and phone numbers associated with the identity theft. 

Written confirmation from XXXX that my dispute and deletion requests have been properly processed in compliance with the FCRA. 

Thank you for your attention to this matter. 

Police report and letter sent to XXXX on XX/XX/XXXX attached

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