vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXXXXXX XXXX XXXX TransUnion LLC XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Incorrect Information Under the Fair Credit Reporting Act ( FCRA ) Identity Theft Claim To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report maintained by TransUnion. I have been a victim of identity theft, and as a result, fraudulent accounts and incorrect information that does not belong to me have been reported to your bureau. This false and inaccurate reporting has caused significant harm to my life, credit, financial opportunities, and well-being.Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. I am exercising this right and demanding that you conduct a reasonable investigation and remove all false information within 30 days.Inaccurate Information in Question : Fraudulent accounts opened in my name without my authorizationAccounts reported as delinquent that I did not incurLate payments attributed to me that are falseAccounts I did not open or useI have attached the following documentation in support of this dispute : Copy of my Identity Theft ReportCopy of my credit report with inaccurate items highlighted/circledSupporting documents proving fraud and my lack of responsibility for these accountsLegal Obligation : You are required by federal law to : Conduct a thorough and reasonable investigationContact the furnisher ( s ) of this information and request verificationIf the information can not be verified or is found to be inaccurate, delete or correct it immediatelyProvide me with a corrected credit report at no chargeNotify me of the results within 30 daysI request that all inaccurate information be removed from my credit file immediately and that I receive a corrected copy of my credit report.Thank you for your prompt attention to this serious matter. I expect your response within 30 days.Sincerely, XXXX XXXX XXXX ( Your Signature ) Attachments : Copy of credit report with disputed items highlightedIdentity Theft ReportSupporting documentation. 
I want you to cease and assist I want to take him to court I want to shoot I want to shoot for for Miss reputation of your job and misreportation of my credit report cuz I was in XXXXXXXX XXXX XXXX when all this went on and you reporting stuff that isn't me and is messing my life up so I need conversation I need XXXX {$150000.00} and class helped me get my credit back right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXXXXXX XXXX Late Date Reported XX/XX/year>, XX/XX/year> to XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This company ABILITY RECOVERY SERVICES , LLC is making false info and trying to get money they done put it on my credit report 4 different time with different amounts that I do not owe

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 2025-11-26 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: PA

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
They stole from me {$120.00} on XX/XX/year> XXXX A.M. I have texted them multiple times and they have not responded to me their a XXXX  manufacturer company on XXXX who scammed me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-26 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: FL

Complaint narrative:
I am filing a complaint as the verified owner of this credit file to formally dispute and request the immediate removal of numerous inaccurate and unauthorized inquiries reported on my Experian, Equifax, and TransUnion credit reports, as these inquiries were either unauthorized, inaccurately reported, or otherwise violate my rights under FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) ; on Experian, the following inquiries were reported without my authorization and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on Equifax, the following inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and on TransUnion, the following inquiries are also inaccurate and XXXX be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; these inquiries were never authorized by me, are inaccurate, and their continued presence violates FCRA 619, 604 ( a ), and 604 ( f ), creating false representations of my credit activity and adversely affecting my creditworthiness. I have attached supporting documentation proving my ownership of this file and evidence showing that none of these inquiries were authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I am filing a complaint as the verified owner of this credit file to formally dispute and request the immediate removal of numerous inaccurate and unauthorized inquiries reported on my Experian, Equifax, and TransUnion credit reports, as these inquiries were either unauthorized, inaccurately reported, or otherwise violate my rights under FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) ; on Experian, the following inquiries were reported without my authorization and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on Equifax, the following inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and on TransUnion, the following inquiries are also inaccurate and XXXX be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; these inquiries were never authorized by me, are inaccurate, and their continued presence violates FCRA 619, 604 ( a ), and 604 ( f ), creating false representations of my credit activity and adversely affecting my creditworthiness. I have attached supporting documentation proving my ownership of this file and evidence showing that none of these inquiries were authorized.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CT

Complaint narrative:
I reported fraud on my account as advised by a agent who then told me to report my card information stolen with the promise that I XXXX XXXX able to obtain a new debit card. However that is not the case and case app had told me they can not approve another debit card without telling me why. I have asked to talk to managers and was given the same statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I Recently Reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove this account from my report, they are hurting 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 non-monetary relief
Consumer complaint received 2025-11-26 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: CA

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 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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
So I had a battery jumpstart performed on my car through my insurance company XXXX twice. The first time statefarm paid for it, the second time the app prompted me to pay for it and my insurance company XXXX told me to send them a copy of the receipt before I paid for the services because I wasn't supposed to come out of pocket for those expenses as it was suppose to be charged to XXXX  and XXXX would handle it. The problem is XXXX  originally gave me the wrong email to send the receipt to. Then they gave me a second email but by then it was too late as i couldnt go back in the app and change the emails to send the e-receipt to. I then tried to reach out to XXXX XXXX XXXX which is the company who came and jumpstarted my car for XXXX $ the second time. The problem is I tried emailing and even calling their customer service number. Their email responses seems to have been a bot because all they did was continued to repeat their exact same words when I tried to retrieve an e-receipt from them as proof that I purchased the battery jumpstart for XXXX $ for reimbursement and then I tried calling them but to no avail as their customer service number doesnt work. After being ignored and not being able to get information from XXXX for reimbursement i told capital one claims services about this entire situation as well as receipts of me texting and emailing this company and of me trying to call this company and they eventually denied my claim as they said they needed the exact same proof of purchase in the amount of XXXX $ for my battery jumpstart to approve the claim and thats the same info that XXXX wanted but the problem is now im back to square one because the XXXX  company responsible for providing me with the information that I needed ignored my emails as I asked them when and what number were they calling me from as they said they tried to reach out to me but my call log didnt show that. Also, there customer service number doesnt even work so its even useless for me to try and be proactive and reach out to them. Then, capital one denied my claim even though i tried my hardest to get information that XXXX wasn't giving me and so now im stuck with a denied claims and XXXX $ that I have to unfairly pay because capital one denied my claim which doesnt make any sense because I provided proof of me reaching out to XXXX and these people ignoring my requests to retrieve an e-receipt for reimbursement from XXXX  for XXXX $ since I paid for the battery jumpstart out of my own pocket and wasn't supposed to. And swoop are a company related to XXXX so in the email the company name is XXXX but in the Capital one transaction section that my card was charged it says XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC Consumer Relations Department XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Informaton Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion Data Breach Dear TransUnion Compliance Officer, I am writing in reference to the letter I received from TransUnion acknowledging that my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from TransUnions own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA. 
Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as XXXX XXXX is a copy of the TransUnion Breach Acknowledgment Letter I received as evidence of your prior admission of this security compromise. 
If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity.

Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Enclosures XXXX XXXX XXXX TransUnion Breach Acknowledgment Letter Copy of Drivers License / Identification ( if applicable ) Copy of Proof of Address ( if applicable )

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
Regulation E violation - Chime Claim # XXXX  I am filing a complaint against Chime for failing to properly handle my fraud dispute involving a used vehicle purchase where the seller misrepresented the vehicle and was not the legal owner. The seller failed to disclose the salvage title, provided false information, and immediately blocked me after the sale. I submitted all required evidence to Chime, including a full police report, yet Chime has not provided any written updates, decisions, or provisional credit. 
My dispute was originally opened on XX/XX/XXXX and I supplied the final required evidence ( including the police report ) on XX/XX/XXXX. Since that date, I have received no written determination, no provisional credit, no request for additional information, and no extension notice, despite multiple follow-ups. The dispute button inside the app also disappeared, preventing me from checking the status of my claim. 
Evidence I provided to Chime includes : Official police report documenting the fraudulent vehicle sale Proof the seller was not the legal owner of the vehicle Screenshots of all messages showing misrepresentation and nondisclosure XXXX report showing salvage status and undisclosed damage Photos of the vehicle Timeline of the events The seller blocking me immediately after the sale Regulatory issues : Under Regulation E ( 12 CFR 1005.11 ), after I submitted the police report and supporting documentation on XX/XX/XXXX, Chime was required to either : 1. Provide provisional credit within 10 business days, or 2. Provide a written notice of extension explaining why they need more time and extending the investigation up to 45 days. 
Chime did n

either.They did not issue provisional credit.They did not send a written extension.They did not send a determination letter.They did not notify me of any continued investigation.They have provided zero communication for several weeks. As a result, Chime is currently out of compliance with the required Regulation E
timelines. 

Chime has full documents, was limited by space

Company response to consumer: Closed with explanation