vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
I am filing a complaint because TransUnion refuses to remove unauthorized hard inquiries from my credit report, even though I did not authorize them and they do not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ). I contacted TransUnion to dispute these inquiries and provided notice that these inquiries were unauthorized. However, they responded with a generic letter and failed to conduct a reasonable investigation. I am requesting that TransUnion remove all unauthorized hard inquiries from my credit report immediately.

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 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NEW YORK COMMUNITY BANCORP INC
State: NM

Complaint narrative:
Took a flyer with gbanks promotional material. Went through the steps. Supposedly it wasn't a " hard '' inquiry. Never heard back from gbank but the credit bureaus heard an inquiry from gbank. 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 2025-08-01 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 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: UT

Complaint narrative:
I am filing a complaint against Experian for continuing to report inaccurate and misleading information about a closed joint vehicle loan account from XXXX. 

This vehicle was repossessed one time in early XXXX. However, Experian has been marking the account with an XXXX XXXX XXXX  code for repossession every single month for the past several years, falsely implying that multiple repossessions have occurred. This is not only inaccurate it is damaging my credit profile and violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of the information they report. 

On XX/XX/XXXX, I mailed a formal dispute letter to Experian, which they received, explaining that the monthly " R '' notations are incorrect and misleading. I requested an investigation and correction of the account. 

Experian failed to respond within 30 days, which is a clear violation of the FCRA ( 15 U.S.C. 1681i ). On XX/XX/XXXX, I mailed a follow-up letter informing them of their failure to respond within the legal timeframe and requesting that the inaccurate reporting be corrected or the account removed. 

As of today, the repeated XXXX  repossession codes remain, and Experian has not resolved or corrected the issue. XXXX  repossession can only occur once, and reporting it as an ongoing monthly event is false, misleading to creditors, and significantly harms my credit standing. 

I am requesting that Experian take immediate corrective action by removing the repeated XXXX codes and updating the account to show a single repossession only. I also request a corrected copy of my credit report and a formal notice confirming the correction.

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 2025-08-01 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-01 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I am a victim of identity theft, someone or someones has stolen my information and used my name and social to open these accounts. Ive never gave anyone permission or authorization to open these accounts without my consent. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I found an ad on XXXX XXXX and asked about parts for a XXXX XXXX  They said they had them and could ship them. I XXXX  the town and state on the XXXX page and there was an atv salvage yard there so I believed it was them. I sent the money from my Chime card to pay for the parts. I sent it to chime account : XXXX XXXXXXXX on XX/XX/XXXX. On XX/XX/XXXX she requested another {$100.00} for insurance that they said they would refund when I got the parts. That is what tipped me off this was fake. I went and called the the XXXXXXXX XXXX XXXX ( XXXX ) and he informed me that they have been using his information and are scamming people on XXXX. I filed a police report in Pennsylvania, XXXX Police report : XXXX XXXXXXXX immediately. Then called Chime to request help in getting my money back. today they refuse to do anything to help even though they say " the pay anyone transactions will be monitored and XXXX be held, delayed, or blocked if the transfer could result in fraud, or another form of financial harm. '' Now they are claiming this is not fraud. This was after XXXX employee said yesterday, XX/XX/XXXX, to send the police report and any information to help them so they could investigate it and get my money back. After looking back at my chime account I saw that the card I paid was in New York, which was not visible during the time of payment, only after when I requested they return my money through Chime. As per the Chime employees direction. After messaging the scammer back about refunding my money they blocked me so I could not communicate with them anymore or see their webpage. Chime refuses and says they can not do anything to get my money back which is not what the policy above states. I have several pictures of the conversations and proof of payment. I tried to report it through XXXX but have not heard anything back from them either and these people have several pages on marketplace they are scamming people with. I would like my money back we didn't have the extra money to throw away. Chime can do that however today they say they don't do that.

I have filed an Report of Fraud with the FTC : report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
XX/XX/year> they went to my sons football practice and repositioned the car XXXX is what is left on the loan it was XXXX but is effective my credit and i have tryed to get it fixed plenty of time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
I am filing a formal complaint regarding a fraudulent account that has appeared on my credit reports with Experian, TransUnion, and Equifax. 

This account is a clear case of identity theft and unauthorized use of my personal identifying information ( PII ). I have never applied for, authorized, used, or been affiliated with this account. 

Fraudulent Account to be Deleted : Creditor Name : XXXX XXXX  Account Type : Credit Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Reported Balance : {$0.00} Applicable Compliance Codes : E-OSCAR Code 29 Not His/Hers Metro 2 Compliance Condition Code F Confirmed Identity Theft/Fraud I have already filed a valid FTC Identity Theft Report ( # XXXX ) in accordance with the Fair and Accurate Credit Transactions A

ct ( FACTA ). Pursuant to 15 U.S.C. 1681g and 1681c-
2, I am submitting the following documents as legally sufficient evidence : Notarized Identity Theft Affidavit Copy of Government-Issued Photo ID Copy of Social Security Card Proof of Current Address ( Utility Bill ) FTC Identity Theft 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 non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
What happened : I am submitting this complaint because Equifax is reporting multiple inaccurate, outdated, and unverifiable accounts and inquiries on my credit report. These items are negatively impacting my credit profile, and I believe they are directly tied to the Equifax data breach, for which I received a settlement notification and prepaid card on or around XX/XX/year>. 

Since the breach, the following inaccurate accounts have appeared or continue to report false information : XXXX XXXXXXXX XXXX Unknown and unverifiable payment history reported across XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX / XXXX Account not recognized or authorized. 
XXXX XXXX XXXX The car was paid in full with no delinquencies, yet negative payment history is being reported. 
XXXX XXXX XXXX XXXX unverifiable payment activity. 
XXXX XXXX XXXX XXXX XXXX The vehicle was totaled and fully paid off ; the record should reflect this or be removed. 
XXXX XXXX This is not my account. It's showing derogatory activity and missed payments I never made. 
XXXX XXXX XXXX Reporting unknown payment history, which I never authorized or verified. 
In addition, unauthorized hard inquiries were made on my report on XX/XX/year> by : These accounts are either fraudulent, inaccurate, or a result of Equifaxs own security failure. The presence of false delinquencies and missed payments is hurting my credit score and creating obstacles for financial opportunities. 

I am requesting that CFPB ensure Equifax complies with the Fair Credit Reporting Act ( FCRA ) by : Conducting a full reinvestigation of each disputed item Permanently deleting unverifiable or unauthorized accounts and inquiries Providing me with a written explanation and corrected credit report I am happy to provide supporting documents upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I called Equifax to dispute inquiries that I did not authorize and they were not deleted from my report. I disputed these inquiries that were in violation of 15 USC Sec 1681b of the FCRA, which prohibits using or obtaining a consumer 's credit report without a permissible purpose. Here are the inquiries and date reported to credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), XXXX XXXX XXXX ( XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 was recently reviewing a copy of my credit report and noticed fraudulent activity on the report. The accounts are currently damaging my ability to obtain credit.

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 2025-08-01 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: NY

Complaint narrative:
I was recently reviewing a copy of my credit report and noticed fraudulent activity on the report. The accounts are currently damaging my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: DC

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 explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
The company XXXX  XXXX XXXX refuses to honor the agreement I signed with them on XXXX, XX/XX/year> with a final transfer to be made from my checking account, with the same bank and which has had plenty of funds to pay the monthly amount of {$100.00} to pay my credit card bill every month, on XXXX, XX/XX/year> - transfers scheduled 12 - as per the agreement with confirmation number : XXXX. I printed out and have a copy of the agreement in .pdf format on Tuesday, XX/XX/year> at XXXX XXXX  XXXX time. The issue for me is that they did not withdraw money from my checking account to pay my credit cart on XXXX, XXXX. The last transfer from my checking account to pay my credit card was XX/XX/year> and they reported me as having missed a payment to the credit agencies. This is wrong and unacceptable. After numerous attempts over the phone, and over email, they refuse to accept their error and honor their agreement, claiming that the agreement was for 11 months which does not make sense at all, and with the same confirmation number I provided above nonetheless. This is not right in my opinion, and will be happy to provide any documentation you request. Very much appreciate your support in this important matter for me and, thank you very much in advance!!

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