vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
I am submitting this statement to document my ongoing efforts to resolve inaccurate or incomplete information being reported on my credit files. I have followed the dispute procedures outlined under the Fair Credit Reporting Act ( FCRA ) and have provided each credit bureau with the necessary documentation and explanations to support my concerns. Despite these efforts, I have continued to notice inconsistencies that do not reflect the true and accurate status of my accounts. I am exercising my right to request a proper reinvestigation and verification process, as required under 15 U.S.C. 1681i and 1681s-2, to ensure that all information being furnished and reported about me is accurate, complete, and fairly presented. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX lates 150 days My only goal is to maintain accuracy and integrity within my consumer credit files. I have acted in good faith, communicated directly with the reporting agencies, and supplied valid supporting records confirming my identity and the details of my 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 2025-10-29 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MN

Complaint narrative:
My debit card was turned off and I was charged a fee from XXXX XXXX and I had cancelled the subscription with XXXX XXXX so I called to file a dispute chime said that the dispute was filed but whenever I was told to check in the application I never received status updates for the dispute then I called and I was told by an agent that there wasnt a dispute filed after I had been told that one was filed with chime that agent manually filed a dispute and told me to check my email for updates and gave me a dispute number for th case the next email I received in the process notified me of needing further documentation and that I could upload it in the application when I tried to upload it in the app there was no option so I called chime again they sent an email so that I can upload the documents next email I sent they used the documentation I uploaded for a closed dispute instead of the current dispute. I called again this morning to straighten things out but chime has not done what they said they would do and along the way have lied and I feel Ive been treated unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within XXXX business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Failure to Provide a Decision ( Violation of ECOA ) : I applied for what was presented as a credit-related card product. Under the Equal Credit Opportunity Act ( Regulation B ), a creditor is required to notify an applicant of action taken on an application within 30 days of receiving a completed application. Crypto.com has failed to provide any such notification. 

Failure to Deliver Promised Service : I am paying a recurring monthly subscription fee ( approximately {$30.00} ) specifically to be eligible for and receive the Crypto.com XXXX XXXX. While I am paying for this service as agreed, Crypto.com has failed to hold up its end of the bargain by not processing my card application. Charging a continuous subscription for a key product benefit that the company has failed to deliver is an unfair business practice.

Lack of Action and Communication : Despite taking my money for this subscription, the company has not processed my application in over 30 days and has not communicated any status update, leaving me to pay for a service I am not receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this letter reaches you in good faith. I am writing as part of my ongoing effort to rebuild my credit profile and ensure that all information reflected on my report is accurate, fair, and compliant with federal law. This letter pertains specifically to XXXX XXXX XXXX accounts that appear on my Trans union file.

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 2025-10-29 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: NRA Group, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of Inaccurate/Unverifiable Accounts Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute and request the deletion of the following accounts from my credit report in accordance with my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. These accounts are inaccurate and unverifiable, and therefore must be removed immediately. 

The accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting that each of these accounts be investigated and deleted from my credit report if they can not be verified in full compliance with the FCRA. 

Under 15 U.S.C. 1681c-2, once a consumer notifies a consumer reporting agency of information believed to be inaccurate or the result of identity theft, the agency must block reporting of such information within four business days unless the agency has substantial reason to believe the information is accurate. 

Please conduct your reinvestigation and provide me with the results in writing. If the information can not be verified with proper documentation from the original creditor, it must be deleted immediately from all reporting. 

Attached are copies of my identification and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : [ XX/XX/XXXX ] SSN : XXXX [ XXXX ] To : Experian P.O. XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Request for Deletion of Inaccurate/Unverifiable Accounts Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute and request the deletion of the following accounts from my credit report in accordance with my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. These accounts are inaccurate and unverifiable, and therefore must be removed immediately. 

The accounts in question are as follows : XXXX. XXXX XXXXXXXX XXXX {$2300.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2300.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$1500.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$3000.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$850.00} Opened XX/XX/XXXX I am requesting that each of these accounts be investigated and deleted from my credit report if they can not be verified in full compliance with the FCRA. 

Under 15 U.S.C. 1681c-2, once a consumer notifies a consumer reporting agency of information believed to be inaccurate or the result of identity theft, the agency must block reporting of such information within XXXX business days unless the agency has substantial reason to believe the information is accurate. 

Please conduct your reinvestigation and provide me with the results in writing. If the information can not be verified with proper documentation from the original creditor, it must be deleted immediately from all reporting. 

Attached are copies of my identification and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
Name : XXXX XXXX Social Security Number : ( XXXX ), Date of Birth : ( 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 : ACCOUNT NAME : XXXX XXXX Account Number XXXX Account Status Open Open Date XX/XX/XXXX AMOUNT : {$1000.00}, ACCOUNT NAME : XXXX Account Number XXXX Account Status Open Open Date XX/XX/XXXX, AMOUNT : {$580.00}, ACCOUNT NAME : XXXX Account Number XXXX Account Status Open Open Date XX/XX/XXXX AMOUNT : {$590.00}, ACCOUNT NAMXXXX XXXX XXXX Account Number XXXX Account Status Open Open Date XX/XX/XXXX AMOUNT : {$490.00} Balance and {$3500.00} limit, ACCOUNT NAME : XXXX  Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX : {$640.00} I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my identification and utility bill for verification purposes.

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 2025-10-29 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:
Dear CFPB, I am writing to file a formal complaint regarding inaccurate reporting and unauthorized activity appearing on my credit file, which has resulted in harm to my credit reputation and violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The credit bureaus and furnishers have failed to ensure accuracy, proper reinvestigation, and lawful reporting practices. Please review the following accounts and inquiries carefully : XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account is inaccurately reporting late payments even though the balance reflects {$0.00}, making the entry inconsistent and unverifiable. Continuing to report false delinquency with a closed or settled balance violates FCRA 607 ( b ) for completeness and accuracy. The bureau has failed to provide any valid proof from the furnisher validating such payment history ; therefore, this item must be permanently deleted under 611 and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late Payment * * The information reported by this furnisher is incomplete and unverifiable. I have never received any valid documentation confirming the alleged late payments, nor has the creditor demonstrated permissible purpose or validation of reporting under FCRA 604 and 611 ( a ). The inconsistent reporting dates and recent late notations show inaccuracy under 607 ( b ). The continued reporting of this account without certified verification violates my consumer rights, and it must be removed immediately. 

XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19.00} Late Payment * The reported balance and date make this account unverifiable and misleading. It is inaccurate to claim late payments on a new or recently opened account without any supporting records or notices sent to me as the consumer. This is a direct violation of FCRA 607 ( b ) for failure to ensure maximum possible accuracy and 611 ( a ) for failure to verify disputed data. The account must be deleted to comply with federal law. 

These items were reported inaccurately and in violation of multiple provisions of the FCRA and FDCPA. I am requesting that the CFPB conduct a full investigation into these violations and require the credit bureaus and furnishers to remove or correct the false information immediately. These actions have caused significant harm to my financial standing and creditworthiness.

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