vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : [ Write todays date ] Subject : Request to Remove Paid Collection Account XXXX XXXX From : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX SSN ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Dear TransUnion Dispute Department, I am writing to formally dispute information appearing on my TransUnion credit report. The account listed below is reported inaccurately and should be deleted or updated to show a fully paid and satisfied status. 
Account Name : XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Status : Account Paid in Full was a Collection Balance : {$0.00} This account was paid in full as of XX/XX/XXXX, and no balance is owed. Because the debt was resolved and the collection was closed more than a year ago, I am requesting that TransUnion either delete this collection entirely or update the record to remove all negative payment history, in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines for accuracy and completeness. 
Please investigate this matter and notify me in writing once the correction has been made. 
Thank you for your prompt attention.

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 2025-10-23 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-23 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: MS

Complaint narrative:
On XX/XX/XXXX, I sent a certified dispute letter to TransUnion regarding multiple inaccurate items on my credit report. 
Specifically, my letter requested investigation and correction of : Medical collections that remain reported as open, although they should be deleted or verified under the FCRA and CFPB medical debt reporting guidelines. 
Several unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which were not approved by me. 

XXXX XXXX  - Account # XXXX - Balance : {$800.00} - XXXX XXXX XXXX Account # XXXX - Balance : {$610.00} - XXXX  - Account # XXXX - Balance : {$550.00} I recently reviewed my credit report and identified several hard inquiries dated XX/XX/XXXX, that I did not authorize. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), credit bureaus are only permitted to report hard inquiries that were made with my explicit authorization. 

The inquiries in question are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal information inaccuracies, including variations of my name and previous addresses that are incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account incorrectly marked as Closed by grantor instead of Closed by consumer. 
I have not received a proper written response from TransUnion within the required 30-day period as outlined by the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB ensure TransUnion completes a full and accurate reinvestigation, provides documentation verifying each disputed item, and removes or corrects any unverifiable or inaccurate data.

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 2025-10-22 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:
In XX/XX/XXXX, I reviewed my credit reports from Experian, Equifax, and TransUnion and found several accounts, late payments, and hard inquiries that do not belong to me and appear to be the result of identity theft or reporting errors. 

Accounts in question : XXXX XXXX ( Account # XXXX ) Reported as charged off with XXXX lates from XXXX to XX/XX/XXXX. 
XXXX XXXX ( Account # XXXX  ) Reported as charged off with XXXX lates from XXXX to XX/XX/XXXX. 
XXXX XXXX ( Account # XXXX ) Reported as charged off with XXXX lates from XXXX to XX/XX/XXXX. 
XXXX XXXX XXXX ( Account # XXXX ) Listed as potentially negative and shows a XXXX late payment in XX/XX/XXXX. 
- XXXX XXXX ( Car Account ) Reported late payment in XX/XX/XXXX- XXXX, which is inaccurate because payments were made on time and verified through my bank statements. 

These accounts are not mine and are incorrectly appearing on my credit reports with all three bureaus. 

Hard inquiries not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  ( unlabeled ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX I contacted Experian to request verification and documentation for these accounts and inquiries. They did not provide sufficient proof or correction. The same information appears inaccurately across Equifax and TransUnion as well. 

These false accounts, inquiries, and payment histories are damaging my credit standing and are not authorized or accurate. I am requesting that all three credit bureaus investigate these items, remove any accounts and inquiries that are not mine, and correct any late or charged-off reporting associated with these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
In XX/XX/XXXX, I reviewed my credit reports from Experian, Equifax, and TransUnion and found several accounts, late payments, and hard inquiries that do not belong to me and appear to be the result of identity theft or reporting errors. 

Accounts in question : XXXX XXXX ( Account # XXXX ) Reported as charged off with XXXX lates from XXXX to XX/XX/XXXX. 
XXXX XXXX ( Account # XXXX  ) Reported as charged off with XXXX lates from XXXX to XX/XX/XXXX. 
XXXX XXXX ( Account # XXXX ) Reported as charged off with XXXX lates from XXXX to XX/XX/XXXX. 
XXXX XXXX XXXX ( Account # XXXX ) Listed as potentially negative and shows a XXXX late payment in XX/XX/XXXX. 
- XXXX XXXX ( Car Account ) Reported late payment in XX/XX/XXXX- XXXX, which is inaccurate because payments were made on time and verified through my bank statements. 

These accounts are not mine and are incorrectly appearing on my credit reports with all three bureaus. 

Hard inquiries not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  ( unlabeled ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX I contacted Experian to request verification and documentation for these accounts and inquiries. They did not provide sufficient proof or correction. The same information appears inaccurately across Equifax and TransUnion as well. 

These false accounts, inquiries, and payment histories are damaging my credit standing and are not authorized or accurate. I am requesting that all three credit bureaus investigate these items, remove any accounts and inquiries that are not mine, and correct any late or charged-off reporting associated with these accounts.

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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I virtually sent money to an individual that did not receive it. I contacted Chime virtual bank through the app and asked them to return the transaction but they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Cease and Desist Unauthorized and Inaccurate Reporting Dear Credit Bureau Representative, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise publishing any and all inaccurate, unverifiable, or unauthorized information on my credit file. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6000.00} date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished in my credit report is accurate, complete, and verifiable. I have previously disputed certain items on my report that remain inaccurate or have not been adequately verified within the time frame mandated by law. 



As a result, I am now demanding that you immediately cease reporting these unverifiable accounts and remove any related information from my credit file. Continued reporting of these inaccuracies constitutes a willful violation of the FCRA and subjects your agency to potential civil liability. 



Furthermore, I am instructing you to stop any further collection, communication, or dissemination of any disputed information to third parties unless and until it has been fully verified according to the FCRA. 



Please provide me with written confirmation that the disputed and unverifiable information has been removed, and that you have ceased any further reporting or distribution of such data. 



Failure to comply with this request will leave me no choice but to pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Cease and Desist Unauthorized and Inaccurate Reporting Dear Credit Bureau Representative, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise publishing any and all inaccurate, unverifiable, or unauthorized information on my credit file. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6000.00} date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished in my credit report is accurate, complete, and verifiable. I have previously disputed certain items on my report that remain inaccurate or have not been adequately verified within the time frame mandated by law. 



As a result, I am now demanding that you immediately cease reporting these unverifiable accounts and remove any related information from my credit file. Continued reporting of these inaccuracies constitutes a willful violation of the FCRA and subjects your agency to potential civil liability. 



Furthermore, I am instructing you to stop any further collection, communication, or dissemination of any disputed information to third parties unless and until it has been fully verified according to the FCRA. 



Please provide me with written confirmation that the disputed and unverifiable information has been removed, and that you have ceased any further reporting or distribution of such data. 



Failure to comply with this request will leave me no choice but to pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CT

Complaint narrative:
On XX/XX/XXXX, I put a down payment of {$2500.00} down for a wedding. The wedding was planned for XX/XX/year>. Today, on XX/XX/XXXX I received an email from the event planner cancelling the event for her own personal reasons. In the email she explained she's having issues with her merchant account and wouldn't be able to go in the system and issue a refund. She advised I call the bank and get a refund from them. I called Chime and filed a claim with them and explained everything to XXXX different representatives because of connection issues on their end. After the claim was filed I was told I will get a provisional credit within 10 days. I then received an email from Chime explaining this dispute isn't eligible for a temporary credit and if I wanted more information I could read their policy terms. After reading their policy, I saw that my dispute reason was in fact eligible for 2 different reasons. The first reason being the transaction was cancelled. The second reason being my credit was not processed. I then called Chime back and explained I deserve a credit becasue my reason for the dispute is listed as so. I was then told my claim was filed as " goods not received '' and that isn't eligible. I explained to the rep that's misinformation they are submitting in dispute and a result of that misinformation is causing me to not get a temporary credit. The " goods not received '' reason is false becuase the wedding is in XXXX! Also I can't file a claim for not receiving something 2 months before it ; s supposed to be given to me. All together Chime refused to correct the misinformation in the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I called the first week in XXXX Pennymac to get on a forbearance plan in XXXX because I'm XXXX  due to the govt shutdown. I was told that they're going to give me 3 months forbearance starting in XXXX. On the XXXX they sent out a letter denying me forbearance talking about XXXX which was already paid. The terms are no different than my current loan arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
This collection has been removed 2 times previously already under different names, which means the debts is being sold to other creditors making it the dept of the original creditor. The original creditor is XXXX XXXX. The collection is now credited by TRANSWORLD SYSTEMS I.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$240.00} XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$880.00} XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: DE

Complaint narrative:
They maliciously shut down my account and didn't help me recover it.

Company response to consumer: Closed with explanation