vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax / XXXX / TransUnion Subject : Formal Dispute Inaccurate Charge-Off and Delinquency Reporting Creditor : XXXX XXXXXXXX Account Number : XXXX Dear Equifax/XXXX/Trans Union, I am writing to dispute the accuracy of the negative information being reported on my credit file regarding the above-referenced account with XXXX XXXX 
This account is currently listed as a charge-off with XXXX XXXX, XXXX XXXX, and XXXX XXXX late payment, despite the fact that the past due balance is {$0.00} and the account was closed as of XX/XX/XXXX. These conflicting entries raise questions about the accuracy, consistency, and validity of the reported status. 
I previously disputed this item on XX/XX/XXXX, and again on XX/XX/XXXX, and requested documentation verifying the charge-off status and delinquency history. However, no valid evidence has been provided to support these derogatory entries. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Full verification of this accounts charge-off and late payment history, including : o The original agreement or contract with XXXX, o A complete itemized payment history, o Evidence that supports the reported charge-off and each late payment ; 2. If you can not verify the accuracy of this data, I demand that you delete this account or correct it immediately ; 3. Please provide me with a written response to this dispute, along with an updated copy of my credit report.

Failure to verify or correct this inaccurate information is a violation of the FCRA and unfairly damages my credit profile. If not resolved, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies as necessary. 
Thank you for your prompt attention to this dispute. Please complete your investigation within 30 days, as required by law. 
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 explanation
Consumer complaint received 2025-06-25 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
DISPUTE LETTER TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Under the Fair Credit Reporting Act Request for Deletion of Unverifiable, Inaccurate, and Obsolete Information To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to formally dispute the following accounts listed in my Equifax credit report dated XX/XX/XXXX. These accounts are reporting inaccurate, outdated, incomplete, or unverifiable information and therefore must be permanently removed. 

Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX Acct ending in XXXX Reported Balance : {$3000.00} Status : Charge-Off since XXXX Violation : Inconsistent reporting history with no verification of balance accuracy or debt validity. 
XXXX. XXXX XXXX  Acct ending in XXXX Reported Balance : {$5200.00} Status : Charge-Off Violation : Failure to update balance or provide monthly activity. No proof of ownership or itemization of debt provided. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct ending in XXXX Reported Balance : {$1600.00} Status : Charged-Off Violation : Continuous balance reporting with no payment activity or verified documentation. 
XXXX. XXXX XXXX XXXX XXXX Acct ending in XXXX Status : Charged-Off, Balance {$0.00} Violation : Account marked Transferred/Sold yet still reporting. This is misleading and unverifiable. 
XXXX XXXX XXXX XXXX  XXXX Acct ending in XXXX Status : Charged-Off, Balance {$0.00} Violation : Account sold, yet reporting monthly derogatory data. This is legally misleading and violates 1681e ( b ). 
XXXX. XXXX XXXX ( XXXX Accounts ) Accts ending in XXXX and XXXX Combined Charge-Offs : Over {$2400.00} Violation : Duplicate entries for same creditor with inconsistent dates and balances. This appears inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple charge-offs and conflicting balance data Violation : No supporting contracts, breakdown of payments, or written verification of debts.

Legal Grounds for Deletion : 15 U.S.C. 1681i ( a ) : Credit bureaus must investigate disputed information and delete it if not verified within 30 days.

15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy. Unverified or outdated info violates this provision. 15 U.S.C. 1681c ( a ) : Negative info ( late payments, charge-offs ) is limited to a 7-year reporting period.

15 U.S.C. 1681s-2 ( b ) : Data furnishers must verify disputed data and report it accurately to CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
I formally disputed inaccurate item listed on my credit report by Experian, pertaining to an account reported by XXXX XXXX XXXX. 

The report reflects a balance owed on this account that is incorrect. I dispute the validity and accuracy of this information for the following reasons : I do not owe the balance that was reported The report inaccurately reflects a balance owed that is not correct. Specifically, the reported balance fails to account for gap insurance coverage that was in place at the time the vehicle associated with this loan was totaled. Gap insurance was intended to cover the remaining balance on the loan after insurance payout, and it should have reduced if not fully satisfied the remaining debt.

Despite this, Experian continues to report an outstanding balance that does not align with the terms of the gap coverage or the actual financial resolution of the account. I believe this entry is inaccurate and misleading, and I request that it be investigated and corrected.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

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 2025-06-25 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: FL

Complaint narrative:
This morning, I was frustrated to find an unauthorized inquiry on my credit report, and I have no idea how or why it's there. I double-checked and even refreshed my browser, thinking it might be a technical error, but the inquiry stayed. I need this issue investigated thoroughly right away, using the documents I submitted, so I dont have to keep dealing with this stress.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$7400.00} XXXX  # XXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$350.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$120.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax / Experian / TransUnion Subject : Formal Dispute Inaccurate Late Payment Reporting XXXX  XXXX Account Number : XXXX Dear Equifax/Experian/Trans Union , I am writing to dispute the inaccurate reporting of late payments on my credit file for the above-referenced XXXX  XXXX account. 
The account is marked as Paid, was past due 60 days, with two 30-day late payments and one 60-day late, despite the current past due balance being {$0.00} and the account having been closed on XX/XX/XXXX. The derogatory remarks are inconsistent with the account status and are damaging to my creditworthiness. 
I previously disputed this item on XX/XX/XXXX, and XX/XX/XXXX, requesting verification of the late payments, but I have not received adequate proof substantiating these claims.

Under the Fair Credit Reporting Act ( FCRA ), I request that you : 1. Provide full documentation verifying the late payments, including : o A complete payment history from the date the account was opened, o Copies of any billing statements showing amounts due and dates marked as delinquent ; 2. If you are unable to verify this information, I request that you remove the negative payment history from my credit report ; 3. Send me a written explanation of your reinvestigation results and a corrected credit report.

If the negative reporting is not corrected or validated within the required 30-day timeframe, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and explore my rights under federal law.

Thank you for your prompt attention. 
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 explanation
Consumer complaint received 2025-06-25 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-25 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-25 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
To whom it may concern. I am filing a complaint against Chime Bank. The reason being is because I made an transaction of put my funds on my account, but I had a negative {$16.00}, so I put money on my card because I have to use this card for the next day. I put approximately {$70.00}. When I looked at my card it says {$35.00} remaining. So I called the ( XXXX ) number. As I begin to explain to the agent that I just put money on my card. She began to tell me I owe {$34.00}. How I owe {$34.00} dollars. Then I ask to speak to a supervisor and he was no help. He hung up in my faces and all I said was I just want my money. And even if you subtract {$70.00} from {$34.00} it still not {$35.00}. I made XXXX transactions and it was for XXXX theres no way I should have a negative {$34.00} after money was prior on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax / Experian / TransUnion Subject : Formal Dispute Inaccurate Charge-Off Reporting XXXX XXXX Account Number : XXXX Dear Equifax/Experian/Trans Union, I am writing to formally dispute the reporting of a negative status on my credit file for the above-mentioned XXXX XXXX account. The account is listed as Legally paid in full for less than the full balance, with a {$0.00} balance and no late payments, but it is still being reported with a Collection/Charge-Off status and a worst rating of Collection Chargeoff.

This information is inconsistent and misleading, especially considering that the debt has been resolved with no remaining balance and no history of late payments reported. I have previously disputed this issue on XX/XX/XXXX, and again on XX/XX/XXXX, but have not received proper verification or correction.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Provide complete documentation verifying the accuracy of the reported charge-off, including : o Proof of the original delinquency, o Payment records showing resolution of the account ; 2. If you can not verify the validity of this charge-off status, I respectfully request that the negative information be deleted or updated to reflect a neutral or Paid Settlement status without charge-off ; 3. Provide me with a written response outlining your reinvestigation results and send a corrected copy of my credit report.

This negative mark is unfairly affecting my credit report despite the account showing as settled and closed with no past-due balance or payment delinquencies. If unresolved, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further actions under the FCRA.

Thank you for your prompt handling of this matter. I expect resolution within the required 30-day timeframe. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation