vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I am an Equifax Data Breach impacted consumer, and I recently discovered multiple unauthorized credit inquiries and inaccurate personal identifiers being reported on my credit file without my knowledge, consent, or permissible purpose. These items are being willfully reported and maintained in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b, 1681i, and 1681q. 

The following companies accessed my consumer report without authorization or any permissible purpose under the FCRA : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 1681b, a consumer report may only be accessed with a legitimate permissible purpose and express written consent. I have never authorized or applied for credit with these companies and have no business relationship with them. Their access to my personal credit file constitutes an invasion of privacy and a clear FCRA violation. 

Additionally, my credit report contains false and unverifiable personal identifiers, including incorrect names, dates of birth, addresses, and employers that do not belong to me. These inaccuracies suggest mishandling of my consumer data, likely related to my Equifax data breach exposure. Despite my prior written disputes, the bureaus have failed to conduct a reasonable reinvestigation as required by FCRA 1681i, and continue to report information that is inaccurate, unverified, and damaging to my credit reputation. 

Inaccurate Personal Identifiers ( To Be Deleted or Updated ) : Incorrect Name XXXX XXXX Incorrect XXXX XX/XX/XXXX / XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX This ongoing misconduct has caused me emotional distress, loss of peace of mind, and potential harm to my financial reputation. The repeated privacy violations and failure to correct unverifiable data demonstrate willful noncompliance with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am an Equifax Data Breach impacted consumer, and I recently discovered multiple unauthorized credit inquiries and inaccurate personal identifiers being reported on my credit file without my knowledge, consent, or permissible purpose. These items are being willfully reported and maintained in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b, 1681i, and 1681q. 

The following companies accessed my consumer report without authorization or any permissible purpose under the FCRA : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 1681b, a consumer report may only be accessed with a legitimate permissible purpose and express written consent. I have never authorized or applied for credit with these companies and have no business relationship with them. Their access to my personal credit file constitutes an invasion of privacy and a clear FCRA violation. 

Additionally, my credit report contains false and unverifiable personal identifiers, including incorrect names, dates of birth, addresses, and employers that do not belong to me. These inaccuracies suggest mishandling of my consumer data, likely related to my Equifax data breach exposure. Despite my prior written disputes, the bureaus have failed to conduct a reasonable reinvestigation as required by FCRA 1681i, and continue to report information that is inaccurate, unverified, and damaging to my credit reputation. 

Inaccurate Personal Identifiers ( To Be Deleted or Updated ) : Incorrect Name XXXX XXXX Incorrect XXXX XX/XX/XXXX / XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX This ongoing misconduct has caused me emotional distress, loss of peace of mind, and potential harm to my financial reputation. The repeated privacy violations and failure to correct unverifiable data demonstrate willful noncompliance with federal consumer protection 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 2025-10-08 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:
THIS ITEM IS INCORRECT AND SHOULD BE REMOVED FROM MY CREDIT REPORT.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Fraudulent Accounts Due to Data Breach I am writing to formally dispute fraudulent information on my credit report that appears to have resulted from the recent TransUnion data breach. I did not authorize the accounts or inquiries listed below, and they are not associated with any transactions or credit activity I initiated.

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 2025-10-08 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Issue : CareCredit ( Synchrony Bank ) failed to honor a supervisors explicit agreement for XXXX promotional financing. 

Details : XX/XX/year> : After over an hour with multiple agents, a supervisor confirmed CareCredit would apply XXXX promotional financing if I canceled my dispute. 
Supervisor assured me the financing would appear on my billing statement within XXXX billing cycles. 
I followed instructions and canceled the dispute in good faith. 

What Happened XXXX : XXXX billing cycles passed no promotional financing applied. 
It has now been over XXXX months since the call. 
CareCredit has not corrected my account, despite a supervisors clear assurance. 
This delay has caused financial harm through inaccurate billing and improper interest charges. 

Why This Is a Problem : This is not consumer error. 
CareCredits supervisor made a binding promise, which I fully complied with. 
CareCredit failed to honor that promise. 
This constitutes bad faith business practice ( negligence at best, deceptive/unfair at worst ). 

Desired Resolution : XXXX. Immediate application of the XXXX promotional financing as promised. 
XXXX. Written confirmation of correction. 
XXXX. Full reversal of any interest/fees tied to CareCredits failure to act. 

Account : XXXX Date of Agreement : XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
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 have identified collection accounts on my credit report that I believe include inaccurate details. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I am requesting that these entries be investigated, and if verification can not be provided, they must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax was legally obligated to complete a reinvestigation within 30 days of receiving Claimants dispute and to report the results in writing. However, Equifax failed to conduct a reasonable reinvestigation and did not provide the results within the required 30-day statutory period. 
Claimant ( XXXX XXXX XXXX is a consumer whose personal credit data is maintained and reported by Equifax Information Services LLC. Claimant exercised their right to dispute inaccurate or incomplete items appearing in their credit file, as permitted under 15 U.S.C. 1681i ( a ). This claim arises under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. Equifaxs consumer disclosure and account terms incorporate an arbitration provision designating JAMS as the arbitral forum. Governing Law : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and, where applicable, Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) Filing Fee : {$2200.00} ( Respondent responsible under JAMS Consumer Minimum Standards ) Equifaxs actions constitute the following violations : Failure to complete reinvestigation within 30 days in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) .Failure to delete or correct disputed information as required under 1681i ( a ) ( 5 ). Failure to maintain reasonable procedures to assure maximum possible accuracy, violating 1681e ( b ). Failure to properly disclose Claimants complete and accurate file, violating 1681g ( a ). If any collection-related communications occurred in violation of the FDCPA, such actions fall under 1692e and 1692f ( false or misleading representations and unfair practices ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
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. 

XXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : 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 XXXX 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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive noticed late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and verifiable. I am requesting an investigation into these entries, and if they can not be verified, they should be corrected or deleted.

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 2025-10-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling or disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with Chime. Despite using Chime numerous times and reporting discrepancies, Chime failed to investigate my claim correctly. They told me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect costumers but has also allowed repeat offenders to exploit system, leaving people like myself vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX - Under XXXX USC XXXX this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. 

XXXX XXXX - Under XXXX USC XXXX this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. 

XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), as it has not been properly validated ; failure to remove it will result in legal action for noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: IL

Complaint narrative:
XXXX - Under XXXX USC XXXX this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. 

XXXX XXXX - Under XXXX USC XXXX this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. 

XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), as it has not been properly validated ; failure to remove it will result in legal action for noncompliance with 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 non-monetary relief
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-08 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: WA

Complaint narrative:
I have no connection with this account ; it seems to have been reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TN

Complaint narrative:
I am writing to file a formal complaint regarding my locked bank account and the improper withholding of XXXX incoming wire transfers totaling {$14000.00}. 

On or around the end of XX/XX/year>, I received payment for professional services rendered to my client, XXXX XXXX XXXX. The payment was sent from her XXXX XXXX account in XXXX separate wire transfers of {$7200.00} each, for a total of {$14000.00}. I have already provided PNC with the invoice for this work to validate the transaction. 

The issue stems from an error made by the sender, XXXX XXXX, who entered an incorrect recipient name on the wire details. Despite this clerical error, the funds were intended for me, and the associated account information was correct. 

I am deeply concerned by the handling of this case. The assigned PNC case manager has informed XXXX XXXX ' bank, XXXX XXXX, that this legitimate transaction is a " scam. '' This is a baseless and defamatory accusation. I am the service provider who is owed payment ; it is impossible for me to be scamming the individual who willingly sent me funds for completed work. 

This unsubstantiated claim has severely complicated the matter. XXXX XXXX has already provided all necessary documentation to XXXX XXXX to verify the legitimacy of the transfers. However, due to PNC 's assertion, XXXX XXXX has now reportedly disassociated from XXXX XXXX. 

The investigation should have been a straightforward verification process between the banks. Instead, my funds are being held, my character has been defamed, and my attempts to resolve this have been met with extreme difficulty, including long hold times and disconnected calls. 

I demand the following actions be taken immediately : A full and immediate release of the {$14000.00} into my account. 
The immediate and complete restoration of access to my PNC account.

A formal review of the conduct of the case manager who made these damaging and false accusations. 

Please resolve this matter with the urgency it requires.

Company response to consumer: Closed with explanation