vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TAG Intermediate Holding Company, LLC
State: CA

Complaint narrative:
I am formally disputing the account being reported by XXXX XXXX XXXX, as I believe it is inaccurate and unverifiable. Under 15 U.S.C. 1681 ( a ) ( 1 ) of the Fair Credit Reporting Act, Congress states that the banking system is dependent upon fair and accurate credit reporting, and that consumer reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy of the information they report. I am requesting that you provide proper verification of this account, including the original signed agreement and a full payment history. If you are unable to validate the account with legally sufficient evidence, you are required to request its deletion from all credit reporting agencies in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Third Attempt to Resolve Inaccurate Late Payment Reporting Across All XXXX  Major Credit Bureaus I am filing this complaint against Experian, Equifax, and TransUnion for their continued failure to investigate and correct inaccurate late payment reporting on my credit file. This marks my XXXX  formal attempt to have these inaccuracies addressed. My initial dispute was submitted over XXXX  days ago, and I followed up with a second submission, both of which have gone unanswered with respect to providing any valid documentation verifying the legitimacy of the late payment information. 

I am submitting this complaint personally, not through any third-party organization, and I am exercising my rights under both the XXXX XXXX XXXX XXXX ( XXXX ) and the Fair Credit Reporting Act ( FCRA ), which require consumer credit reporting agencies to maintain accurate, verifiable, and complete records. 

Despite my previous efforts, the following accounts still reflect unsubstantiated late payments, and I have not received any documentary evidence to support their legitimacy. Based on my review, I believe these may also qualify as billing errors under 15 U.S. Code 1666 ( b ) due to the following reasons : Failure to properly credit or post payments I made on time Accounting and computation errors by the furnishers Failure to provide billing statements at least XXXX  days prior to the due date, which invalidates the legitimacy of reporting these payments as late Disputed Accounts : Late Payment ( Open ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX Account Number 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Third Attempt to Resolve Inaccurate Late Payment Reporting Across All XXXX  Major Credit Bureaus I am filing this complaint against Experian, Equifax, and TransUnion for their continued failure to investigate and correct inaccurate late payment reporting on my credit file. This marks my XXXX  formal attempt to have these inaccuracies addressed. My initial dispute was submitted over XXXX  days ago, and I followed up with a second submission, both of which have gone unanswered with respect to providing any valid documentation verifying the legitimacy of the late payment information. 

I am submitting this complaint personally, not through any third-party organization, and I am exercising my rights under both the XXXX XXXX XXXX XXXX ( XXXX ) and the Fair Credit Reporting Act ( FCRA ), which require consumer credit reporting agencies to maintain accurate, verifiable, and complete records. 

Despite my previous efforts, the following accounts still reflect unsubstantiated late payments, and I have not received any documentary evidence to support their legitimacy. Based on my review, I believe these may also qualify as billing errors under 15 U.S. Code 1666 ( b ) due to the following reasons : Failure to properly credit or post payments I made on time Accounting and computation errors by the furnishers Failure to provide billing statements at least XXXX  days prior to the due date, which invalidates the legitimacy of reporting these payments as late Disputed Accounts : Late Payment ( Open ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX Account Number 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 non-monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX ( Account # XXXX XXXX XXXX ) has been reporting inaccurate and false information on my report. I have asked multiple times for validation concerning this account and been told it was sold to XXXX XXXX who in return said they are not collecting on this debt. I have sent proof from XXXX XXXX stating this. The Experian report indicates the account was sold. Under IRS guidelines, if a creditor has forgiven or discharged a debt, they are required to issue a Form 1099-C. I have not received such documentation. These inconsistencies violate FCRA 1681s-2 ( b ) which requires furnishers to report accurate and complete information to consumer reporting agencies and correct any identified inaccuracies. Under the Texas Finance Code 392.202, I am entitled to request full verification and itemization of any alleged debt, including the chain of title if the debt has been sold or transferred. Continuing to report a charge-off after an account is sold, with a {$0.00} balance is misleading. I have attached credit rport with all inaccurate information. This may constitute unfair and deceptive reporting and may fall under FCRA violations and Texas Deceptive Trade Practices Act ( DTPA ) standards. Under FCRA 1681s-2 ( b ) and Texas Finance Code 392.202, I respectfully request Immediate reinvestigation and correction or removal of any and all inaccurate, incomplete, or misleading information, complete itemization of the original debt, including fees, charges, payments, and interest applied, A copy of Form 1099-C if the debt was canceled or discharged. Documentation of sale/assignment from XXXX XXXX to XXXX XXXX XXXX XXXX Please respond within the XXXX time limit as required by federal law. If the data furnisher fails to provide documentation, I expect all references to this account to be deleted from all credit reporting agencies.

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 2025-07-29 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: TX

Complaint narrative:
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ) has been reporting inaccurate and false information on my report. I have asked multiple times for validation concerning this account and been told it was sold to XXXX XXXX who in return said they are not collecting on this debt. I have sent proof from XXXX XXXX stating this. The Experian report indicates the account was sold. Under IRS guidelines, if a creditor has forgiven or discharged a debt, they are required to issue a Form 1099-C. I have not received such documentation. These inconsistencies violate FCRA 1681s-2 ( b ) which requires furnishers to report accurate and complete information to consumer reporting agencies and correct any identified inaccuracies. Under the Texas Finance Code 392.202, I am entitled to request full verification and itemization of any alleged debt, including the chain of title if the debt has been sold or transferred. Continuing to report a charge-off after an account is sold, with a {$0.00} balance is misleading. I have attached credit rport with all inaccurate information. This may constitute unfair and deceptive reporting and may fall under FCRA violations and Texas Deceptive Trade Practices Act ( DTPA ) standards. Under FCRA 1681s-2 ( b ) and Texas Finance Code 392.202, I respectfully request Immediate reinvestigation and correction or removal of any and all inaccurate, incomplete, or misleading information, complete itemization of the original debt, including fees, charges, payments, and interest applied, A copy of Form 1099-C if the debt was canceled or discharged. Documentation of sale/assignment from XXXX XXXX to XXXX XXXX XXXX XXXX Please respond within the XXXX time limit as required by federal law. If the data furnisher fails to provide documentation, I expect all references to this account to be deleted from all credit reporting agencies.

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 2025-07-29 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: TX

Complaint narrative:
XXXX XXXX ( Account XXXX XXXX XXXX XXXX ) has been reporting inaccurate and false information on my report. I have asked multiple times for validation concerning this account and been told it was sold to XXXX XXXX who in return said they are not collecting on this debt. I have sent proof from XXXX XXXX stating this. The XXXX  report indicates the account was sold. Under IRS guidelines, if a creditor has forgiven or discharged a debt, they are required to issue a Form 1099-C. I have not received such documentation. These inconsistencies violate FCRA 1681s-2 ( b ) which requires furnishers to report accurate and complete information to consumer reporting agencies and correct any identified inaccuracies. Under the XXXX XXXX XXXX XXXX, I am entitled to request full verification and itemization of any alleged debt, including the chain of title if the debt has been sold or transferred. Continuing to report a charge-off after an account is sold, with a {$0.00} balance is misleading. I have attached credit rport with all inaccurate information. This may constitute unfair and deceptive reporting and may fall under FCRA violations and Texas Deceptive Trade Practices Act ( DTPA ) standards. Under FCRA 1681s-2 ( b ) and XXXX XXXX XXXX XXXX, I respectfully request Immediate reinvestigation and correction or removal of any and all inaccurate, incomplete, or misleading information, complete itemization of the original debt, including fees, charges, payments, and interest applied, A copy of Form XXXX if the debt was canceled or XXXXischarged. Documentation of sale/assignment from XXXX XXXX to XXXX XXXX XXXX XXXX Please respond within the XXXX time limit as required by federal law. If the data furnisher fails to provide documentation, I expect all references to this account to be deleted from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
My ( XXXX XXXX ) personal credit file has been mixed with my XXXX XXXX ( XXXX XXXX ) due to error on credit bureaus end. Because of this hard inquiries and accounts not belonging to me are on my Experian, TransUnion, XXXX XXXX and Equifax accounts. Anytime I dispute the bureaus fail to improve or remove unfamiliar false and misleading information. 
Attached I have my personal Real ID My Passport and my twin siblings ID to display we are XXXX people with XXXX different credit identities and should be treated as such

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
third-party debt collector who is inaccurately reporting information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX reporting a debt on my credit file and listing themselves as the original creditor, which is both false and misleading. This misrepresentation constitutes an inaccurate credit report entry and may also qualify as a deceptive practice under the FDCPA. 

Details of the Account in Question : Debt Collector : XXXX XXXX XXXX XXXX Amount : XXXX This incorrect listing may cause harm to my credit standing and financial reputation. Under the FCRA, credit furnishers are required to report accurate and truthful information, and under the FDCPA, debt collectors may not misrepresent the character or legal status of a debt.

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 2025-07-29 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: CA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank upgraded our account without permission and then charged us for not having enough money in the account. When we asked when it happened we got multiple answers. Then we asked them to refund us and it took a lot of prodding to do it. They did after escalation but refused to say who authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
Today I received an email stating that I signed up for an account with Chime, a US financial technology company, but I never did such a thing. The email came from XXXX which appears to be a legit email address associated with Chime and not some spam or phishing attempt. So this was an official email from Chime. 

Someone, perhaps accidentally, entered my email address when signing up for an account and not their own. What really surprises me is how this is even possible. Chime should require email validation before associating an email address with any account, especially since they are a financial services institution. Thats cyber security 101 basic common sense stuff.

However, what is considerably more alarming is that in another official email from Chime ( this one from XXXX ) I received the routing and account number for this account that was created under my email address. This is a HUGE privacy risk and security violation. How can they possibly send out this sensitive information to an email address that hasnt been verified to belong to the account owner? 

Doing a simple XXXX search I quickly discovered that this has happened to LOTS of other people over the past few years. As part of the new account sign up process Chime is not requiring email addresses be verified/confirmed and is thereby sending out personal and sensitive information to individuals that information wasnt intended for. 

After further reading about these same experiences with other individuals who never signed up for accounts with Chime it appears that this is a recurring and widespread problem. 

Chime needs to respect the privacy of its members and honor their own privacy policy. They should require email verification and validation during the account sign up process. Someone with malicious intent could easily use the sensitive information that they send to unsolicited and unintended individuals to do harm. 

I contacted their customer service, explained the situation to them, and they removed my email address from the account in question. However, this should have never had to happen. 

Speaking for myself I would be less likely to use Chimes services in the future because of this. I just couldnt trust that this company would keep my information private and safe. 

Thank you for your time and consideration.

XXXX

Company response to consumer: Closed with explanation