vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - TUT * * * * * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$61.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$70.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX XXXX XXXX XXXX * * * * * XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$180.00} PERPAY - XXXX * * * * * XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX * XXXX * * * * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$280.00} XXXX XXXX XXXX  - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$16000.00} XXXX FIN FCU - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$380.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} TBOM/VT - XXXX * * * XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} LVNVFUNDG - XXXX * * * * * XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX XXXX * * * * * XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$350.00} XXXX - XXXX * * * * * XXXX * * XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX XXXXXXXX - XXXX * * * * XXXX XXXX * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX AUTOS OF FOR XX/XX/XXXX CPS XX/XX/XXXX TBOMMILESTO XX/XX/XXXX TBOMMILESTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXXN XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX  froze my account and then lied to me and told me that it would be escalated and resolved by XXXX  and now they're telling me that because it's their highest priority it'll actually take them a week. And all my money is in my XXXX  so I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2025, I mailed a dispute letter to Experian via USPS certified mail ( tracking number # XXXX ) requesting an investigation into inaccurate items on my credit report, including unauthorized inquiries and incorrect personal information. To aid in verifying my identity, I included a copy of my photo ID, Social Security card, and a recent utility bill with my current address. The letter clearly outlined the disputed items and requested a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2025, I received a response from Experian stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
Under the FCRA ( 15 U.S.C. 1681i ), Experian is required to conduct a reasonable reinvestigation of disputed information in a consumers file when notified of inaccuracies. By refusing to investigate my dispute without justification, Experian has violated my consumer rights and failed to comply with federal law. 
This inaction has caused me ongoing harm, as the inaccurate information remains on my credit report, potentially affecting my creditworthiness and financial opportunities. 
To support my claim, I have included a copy of my dispute letter along with identity verification documents ( photo ID, Social Security card, and utility bill ), USPS certified mail receipt, and Experians response letter dated XX/XX/2025.

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 2025-04-18 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit report, I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided Due to my information being exposed. I have submitted an FTC compliant reporting the information I am not familiar with. 

Please find attached a copy of My ID, The FTC complaint a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt Letter

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 2025-04-18 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit report, I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided Due to my information being exposed. I have submitted an FTC compliant reporting the information I am not familiar with. 

Please find attached a copy of My ID, The FTC complaint a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt Letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX  XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) Hard Inquieres XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
I disputed this account before and there are still inaccuracies and inquiries on my credit report. There are inaccurate accounts that I have been disputing and they remain on my consumer report. I am requesting a proper investigation and they have XXXX  days to provide it to me or they have to delete the inquiries and inaccurate account that i am disputing. I have attached XXXX different sets of letters along with 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 2025-04-18 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed this account before and there are still inaccuracies and inquiries on my credit report. There are inaccurate accounts that I have been disputing and they remain on my consumer report. I am requesting a proper investigation and they have XXXX  days to provide it to me or they have to delete the inquiries and inaccurate account that i am disputing. I have attached XXXX different sets of letters along with 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 2025-04-18 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-18 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: IN

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
XXXX tried to collect a debt for something they completed which was paid to them and then I disagreed on the terms as the glass had to be repaired again on the same spot. 
I went ahead and complained to them and my payee, XXXX XXXX. XXXX XXXX agreed with me and returned my payment to me. XXXX continued to bill me and then transferred the debt within a month to another creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX are claiming a debt is owed and I requested their License or Permit # to collect debt in North Carolina, as well as a contract I have to prove the debt is legitimate. They have not provided proof of debt, proof of contract, and a certified copy of their license/permit to collect debt in North Carolina . 

XXXX XXXX and XXXX XXXX XXXX have signed the paperwork, and have not received what I requested. If they are attempting to collecting debt in NC without a license or permit

from Commissioner of Insurance, it violates G.S. 58-70-1. I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
In XXXX, I financed a XXXX vehicle with XXXX miles for {$18000.00} at a 22 % APR through Exeter Finance . Due to the COVID-19 pandemic, the chip shortage, and having a XXXX XXXX, I had no other transportation options and entered this agreement out of necessity. 

Since then, I have paid over {$15000.00}, yet I still owe over $ XXXX a car now worth approximately {$1000.00}. This totals over {$30000.00} in payments for a vehicle that was never worth even the original loan amount at the time of sale. 

I have reached out to the lender to negotiate a reasonable settlement, but they refuse to work with me and instead suggested I would need to sue, despite the obvious predatory lending practices and extreme imbalance between the vehicles value and the loan terms. They have also sent unsolicited refinance offers, which Ive rejected, as I am not interested in extending this exploitative agreement. 

I am requesting that the CFPB investigate this lender for predatory lending practices, and assist in securing a fair resolution such as a debt settlement or balance reduction, reflective of the amount already paid and the actual value of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding the handling of unauthorized transactions, dispute investigations, and the subsequent closure of my Chime account. I was a customer of Chime Financial and had initiated dispute claims on XX/XX/XXXX, concerning XXXX unauthorized transactions from XXXX XXXX and XXXX from XXXX XXXX, totaling {$34000.00}. These transactions posted to my account between XX/XX/XXXX, and XX/XX/XXXX. 

However, I do not recognize any of these transactions and strongly believe the final determinations were incorrect. I requested a re-investigation, but Chime refused, claiming the cases were closed after a proper review. Some of the disputes were approved only because the merchants themselves issued refunds, but Chime denied the rest without explaining why or how the decisions were made.Chime closed the disputes without any new findings or providing specific rationale for denying the claims. 

Shortly after filing the disputes, I received an email on XX/XX/XXXX, informing me that my Chime account was scheduled for closure on XX/XX/XXXX. Chime restricted the account from accepting incoming transfers, though deposits and payroll were still being accepted. They stated the closure was due to non-compliance with internal policies, citing Section ( I ) ( D ) ( 9 ) of the Deposit Account Agreement. 

Chimes response dated XX/XX/XXXX, confirmed the closure of my account with a negative balance of - {$500.00} and reaffirmed their stance that all disputes were valid. They also mentioned sending the investigation documents via email on XX/XX/XXXX, but I did not receive this documentation, so i dont believe this justifies the denial of my claims. 

I am concerned that my disputes were not handled in a fair or transparent manner, and that my account was closed in retaliation or without proper justification while disputes were still active. I am requesting a full re-investigation of the disputed transactions and a clear explanation for each denial. I am also requesting confirmation that my consumer rights under Regulation XXXX ( for unauthorized electronic funds transfers ) were properly upheld. 


Additionally, I would like assistance in recovering any rightful funds and clarification about the handling of my account during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1500.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4200.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00}

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