vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion, This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within XXXX  days. Where is it? 
MONEYLION - XXXXXXXX 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
There have been XXXX calls to my minor children and too my roommate. All made directly after calling my cellphone. I have notified Portfolio Recovery Associates that this is not ok and to only call me. These calls still happen XXXX times a day. I requested verification of debt over 5 months ago and still not received. All phone calls made to my minor children have been manipulative and the operator has even attempted to get my kids to get cards from my wallet and give them the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
Lender ( Guaranteed Rate Affinity ) recommended by experienced and local realtor in Florida. 
Started process with about a month to closing date, a/o XXXX XX/XX/XXXX. We targeted XXXX XX/XX/XXXX for closing. Loan was for {$230000.00} at XXXX XXXX, VA loan under COE used for a loan in a house in Minnesota.

All requested documents submitted to loan officer XXXX  days prior to close.

XXXX  days prior to close, including a weekend, we we told underwriters would not approve as a XXXX loan.No alternative option suggested, loan offer just withdrawn. 
After withdrawal, loan officer referred us to a friend at another company. 
New lender ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) loan estimate now charged $ XXXX in points. 
I reached out to XXXX XXXX, started new loan application and targeted closing 18 days later. 
Spent almost {$2000.00} for a XXXX and storage unit, as the date requiring my presence in Florida was set in stone. 
Loan approved and closing occurred 19 days after originally planned date. 
Requested reimbursement from first lender for additional expenses.Original loan officer, XXXX XXXX, was incredibly rude and confrontational.His manager, XXXX XXXX, was not much better. 
Corporate office denied the refund. They would not clearly state why the loan was denied. 
Possibly the original lender underwriter did not believe I was actually going to make this purchase my primary residence as I plan to keep my other home ( on the same CoE ) until some family issues conclude.In other words, they did not believe me that this would be my primary residence, but a second home. I have a good paying job that allows me to live anywhere.My credit score is almost XXXX a retiree after XXXX  years of service.Yet they did not believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: I.C. System, Inc.
State: OR

Complaint narrative:
A few weeks back my sister texted and told me our mom was using her name for credit fraud and so I checked mine and there is over XXXX dollars worth of phones taken out in my name over the past XXXX years that I havent had nothing to do with. Ive had the same phone plan for years. Never have I gone through any company like XXXX its always been tracphones until I got on this plan that is paid by a family member.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: CA

Complaint narrative:
I am disputing charges from XXXX XXXX that were not properly explained to me when I signed their financing agreement. At the time of signing, I was told that the XXXX separate {$470.00} charges were for necessary dental work specifically a deep cleaning and fillings that I needed to maintain my dental health. Because I am not familiar with medical or dental terminology, I relied on their explanation and did not realize that part of these charges were actually for optional items like trays or gum treatment, which I did not want, ask for, or knowingly agree to. 

As soon as I found out that these extra charges were for optional services not for the medically necessary procedures I thought I was agreeing to I began disputing them in writing. I have sent dozens of emails to XXXX XXXX formally disputing these charges and requesting clarification, but they have ignored every attempt to resolve this issue. 

I also informed Sunbit, the financing company, and they have agreed to pause my payments while the dispute is under review. However, XXXX XXXX continues to refuse to respond to me or correct the billing. When I asked them to mail me any documents they claim I need to sign to resolve this, they refuse. 

I want to make it very clear that I am fully willing to pay for the remainder of the treatment I actually received and agreed to specifically the deep cleaning and fillings that I understood were necessary for my dental care. I am only disputing the additional charges for services that were misrepresented and not properly disclosed to me. 

This has been going on for months and has caused me unnecessary stress, frustration, and confusion. All I want is a fair and honest resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-06-18 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had a chime account and they sent me an email amount a month ago stating they were closing my account on XX/XX/year>, which is today. I called them a month ago and asked them why they were closing my account and they told me that I would have to wait until my account was closed for them to give me a reason. I did nothing wrong. I did not violate any terms of services. I called them today and I asked why they closed my account and they told me because I violated the terms of service and I asked to provide what reason and how did I violate the terms of service and they said they could not provide that information to me because they dont know. Then they proceeded to hang up on me. I tried to get them to reinstate my account which they said they could not do. Once again this was very random and I did nothing wrong so I dont know why they would close my account, but the customer service is also horrible because they hang the phone up on me and I cant find a number to speak to corporate or anything. I would like my account reinstated, but they said they dont provide any information to any outside sources because I told them I would contact somebody such as the XXXX XXXX XXXX  XXXX CFPB XXXX I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a dispute to Experian requesting deletion of inaccurate accounts from my credit report. These same accounts do not appear on my XXXX  or XXXX  reports, which clearly indicates they are not being reported consistently by the data furnishers and are likely inaccurate or unverifiable. 

XXXX  claims to have " verified '' the accounts by contacting the furnishers, but they have provided no evidence to support this. I requested documentation or investigation results but received only a generic form response. It is clear that Experian did not conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

This is a violation of FCRA Section 611, which requires consumer reporting agencies to conduct a good faith, reasonable reinvestigation and delete any information that can not be verified. Since the other bureaus have removed these items or never reported them in the first place, Experian has no valid justification to continue reporting them. 

This continued reporting is damaging my credit score, creating financial barriers, and violates my rights as a consumer.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the Payment History as inaccurate and unverifiable under The Fair Credit Reporting Act ( FCRA Section 611. At no point have I received documentation proving the Validity of the alleged delinquency and to my knowledge the record being reported is either outdated, incomplete, or otherwise inconsistent with my Payment activity. I am requesting a full reinvestigation of this account. Unless the late Payments can be verified with complete and accurate Documentation, including time stamped internal logs or notices from the creditor, this information must be removed Immediately from my Credit Report. 

Please provide me with the results of your investigation, along with the name and contact information of the furnisher that verified the data. Your system has continued to report unverifiable payment history, I have escalated this to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 

Thank you for your attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed the Payment History as inaccurate and unverifiable under The Fair Credit Reporting Act ( FCRA Section 611. At no point have I received documentation proving the Validity of the alleged delinquency and to my knowledge the record being reported is either outdated, incomplete, or otherwise inconsistent with my Payment activity. I am requesting a full reinvestigation of this account. Unless the late Payments can be verified with complete and accurate Documentation, including time stamped internal logs or notices from the creditor, this information must be removed Immediately from my Credit Report. 

Please provide me with the results of your investigation, along with the name and contact information of the furnisher that verified the data. Your system has continued to report unverifiable payment history, I have escalated this to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further review. 

Thank you for your attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation