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

Complaint narrative:
There are several student loans, credit cards, cell phone, and collections on my credit report. These are not my accounts. This has negatively affected me as I'm unable to obtain credit or housing. My husband is on XXXX, and we need to move closer to the XXXX XXXX XXXX. Please remove all accounts. I've included an Identity theft report. FTC Report Number : XXXX Thank 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 non-monetary relief
Consumer complaint received 2025-08-10 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX confirmed in writing that my XXXX  account was settled in full on XX/XX/XXXX, for {$570.00}, with {$510.00} forgiven. They also stated that the account was deleted from the credit bureaus on XX/XX/XXXX. 
Despite this, my current credit reports from TransUnion, Experian, and Equifax still show the account with a Charged Off status. This is inaccurate and misleading, as the account was closed, paid, and deleted nearly four years ago. 

This inaccurate reporting is harming my credit and violates the Fair Credit Reporting Act ( FCRA ), including : FCRA 605 ( a ) ( 5 ) Prohibits reporting accounts that have been cancelled or settled.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 611 ( a ) ( 5 ) ( B ) Requires written notice within 5 business days if a deleted account is reinserted, which I never received.

I am requesting that the credit bureaus delete this account entirely from my reports, or at minimum, update it to reflect Closed Paid in Settlement in accordance with the documentation provided by 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 2025-08-10 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: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX confirmed in writing that my XXXX  account was settled in full on XX/XX/XXXX, for {$570.00}, with {$510.00} forgiven. They also stated that the account was deleted from the credit bureaus on XX/XX/XXXX. 
Despite this, my current credit reports from TransUnion, Experian, and Equifax still show the account with a Charged Off status. This is inaccurate and misleading, as the account was closed, paid, and deleted nearly four years ago. 

This inaccurate reporting is harming my credit and violates the Fair Credit Reporting Act ( FCRA ), including : FCRA 605 ( a ) ( 5 ) Prohibits reporting accounts that have been cancelled or settled.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 611 ( a ) ( 5 ) ( B ) Requires written notice within 5 business days if a deleted account is reinserted, which I never received.

I am requesting that the credit bureaus delete this account entirely from my reports, or at minimum, update it to reflect Closed Paid in Settlement in accordance with the documentation provided by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA has repeated locked my access from either partial or total access to my funds, including in this situation blocking total access. This time its because I applied for an extra checking account, after already having 3 deposit accounts with them. Because I store a majority of my money in my savings account, I have no way to access funds now, all for requesting open a new account, which I have three of already.

There is no reason to lock me completely out of my current account for applying for a new account. No other bank or credit union has ever done this as much or as often as USAA.

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 2025-08-10 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and final demand to immediately and permanently remove the fraudulent XXXX account # XXXX from my credit report. This account is not mine and is the result of identity theft. 

I have taken the following legal actions : Filed a Federal Trade Commission Identity Theft Report pursuant to 15 U.S.C. 1681c-2, which requires you to block fraudulent information within 4 business days of receiving proper identity theft documentation. 


Notified law enforcement and provided proof of the criminal nature of this account. 

Retained legal counsel prepared to pursue all available remedies under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Under the FCRA, you are legally required to : Block fraudulent information from appearing on my credit file within 2 business days of receiving this identity theft documentation, as mandated by 15 U.S.C. 1681c-2. 

Conduct a reasonable investigation into my dispute and correct or remove inaccurate information within 30 days under 15 U.S.C. 1681i.

Maintain reasonable procedures to ensure the accuracy and integrity of my credit report under 15 U.S.C. 1681e ( b ).

Cease reporting information known to be false or disputed due to identity theft under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ).

Provide me with full disclosure of all information in my credit file and its sources under 15 U.S.C. 1681g.

Your continued reporting of this fraudulent account, despite receipt of identity theft documentation and formal dispute, constitutes : Willful noncompliance with the FCRA under 15 U.S.C. 1681n, exposing you to statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees.

And/or negligent noncompliance under 15 U.S.C. 1681o, subjecting you to liability for actual damages and attorneys fees.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint against Experian regarding an inaccurate account that has reappeared on my credit report. The account in question is associated with XXXX XXXX and reported by XXXX XXXX XXXX XXXX ( Account Number : XXXX ). 

I have been actively disputing this account for approximately two years. On a previous occasion, I successfully had this account removed from all three credit bureaus, including Experian. However, it has since reappeared on my Experian credit report, and I have been unable to get it removed. 

The fact that this account was previously removed indicates that the information was unverifiable or inaccurate at that time. Its re-listing suggests that Experian has not maintained reasonable procedures to ensure the accuracy of the information they are reporting, as required by the Fair Credit Reporting Act ( FCRA ). This ongoing error is a source of significant frustration and has negatively impacted my credit standing. 

I am requesting that Experian investigate this matter thoroughly, remove the inaccurate account from my credit report, and provide me with the specific method of verification that was used to re-list this previously removed entry. I believe the re-listing of this account is a violation of my rights under the 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc.
State: MI

Complaint narrative:
Usually a guy by the name of XXXX XXXX ( spelling? ) would call me and would say they are charging a {$25.00} collection fee, on top of what I had owed. Then I had gotten a call from a XXXX XXXX XXXX XXXX and XXXX sound like same person ). He proceeded to tell me I needed to make payment arrangements that day or {$500.00} ( what I owed ) would turn into {$2000.00} I had had enough of their threatening tactics> XXXX XXXX had hung up on me. He continued to talk over me. 

I went to the original Debtor ( XXXX of XXXX XXXX XXXX ) and paid them what was owed. I have a receipt. I want this debt Collection off my credit reports immediately. 

The XXXX " gentlemen had called me withing XXXX  days of each other. Then I get an email ( after sending an email message to their company ( Credit Counsel , Inc ), to cease all phone communication. Mailed communication only. This guy XXXX XXXX XXXX ), emailed me, wanting me to make payment arrangements with him. I emailed him back, stating that wouldn't be necessary, as I had taken care of the debt in person. 
These people started calling me right after I had gotten out of XXXX ( for injury rehab ). XXXX XXXX kept hounding me to get somebody to PAY for me. I had NO money coming in and was waiting on XXXX to get approved. They knew my story, but kept on calling and making harassing comments. I don't want anyone else to have to deal with these jerks!

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 2025-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am writing to file a complaint against LOCKHART, MORRIS & MONT regarding an inaccurate medical collection account ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXX  XXXX PA, Amount : {$1000.00} ). 

This account appeared on my credit report with an open date of XX/XX/year>, and was reported as a collection from day XXXX. I have no knowledge of this debt, nor was I ever notified of a regular, non-collection account related to it. I was never sent a bill from the original creditor. This is a violation of the Fair Credit Reporting Act ( FCRA ) because the account was not properly handled before being reported as a collection. 

I have previously disputed this account. However, it was not removed. My Experian report now has a comment stating, " Completed investigation of FCRA dispute - consumer disagrees, '' which proves that the issue was not resolved. This inaccurate account is also reporting on my Equifax credit report, causing me significant financial harm.

I am requesting a full investigation into this matter. I demand that LOCKHART, MORRIS & MONT provide valid proof of the debt and demonstrate how it was properly handled and billed before being reported as a collection. If they can not provide this proof, I request that this account be permanently removed from all of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and 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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I filed an unauthorized transaction dispute with Chime after discovering my account had been compromised while I was in an XXXX XXXX XXXX  I disputed all transactions made after XXXXXXXX XXXX on XX/XX/year>, through XX/XX/year>. The total disputed amount was {$11000.00}, assigned dispute number XXXX. 

I provided signed documentation proving I was in rehabilitation for the entire disputed period, including intake forms and proof of my stay. Despite this, Chime denied dispute XXXX within 24 hours. I submitted an appeal with the same evidence, but this was also denied without a clear explanation. 

I was informed that certain transactions were ineligible for dispute because they used Chimes XXXX XXXX or XXXX  XXXX features. However, I later learned that Chime had created a separate dispute for one transaction ( {$360.00}, dispute number XXXX ) from the exact same timeframe and circumstances as my original dispute. I did not file this transaction separately ; it should have been included in dispute XXXX. Chime approved this {$360.00} dispute and credited my accountyet denied all other transactions from the same period without explaining the inconsistency. 

When I requested all documentation Chime used in their investigation, they only provided a basic transaction statement, which does not demonstrate a thorough review. No evidence was given showing why one transaction was approved while others from the same compromised period were denied. 

Dispute Numbers & Status : XXXX {$11000.00} Original dispute ( Denied ) XXXX {$360.00} Single transaction from same period ( Approved & Credited ) XXXX {$40.00} XXXX XXXX  ( Denied ) XXXX {$180.00} XXXX XXXX ( Denied ) XXXX {$80.00} XXXX XXXX  ( Denied ) XXXX {$56.00} XXXX XXXX ( Denied )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I am writing to formally complain about a significant issue with my auto loan account. I purchased a vehicle on XX/XX/year>, and have been consistently overcharged for my monthly payments due to fees I did not agree to. These unauthorized fees have drastically increased my monthly payment beyond the amount specified in my original loan agreement. I request an immediate review of my account to remove all fraudulent charges, adjust my monthly payment to the correct amount, and provide a clear explanation for why these fees were applied. I expect a prompt resolution to this matter.

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 2025-08-10 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute Unauthorized Hard Inquiries Report Number : __________________ To Whom It May Concern, I am formally disputing the following hard inquiries listed on my TransUnion credit report as they are inaccurate and unauthorized.

These inquiries are not the result of any application I knowingly made and therefore must be removed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), 1681b ( a ), and the Metro 2 Credit Reporting Resource Guide standards for accuracy and data integrity. 
Inquiries in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXACTUAL DISPUTE BASIS : - I have no record, application, or signed authorization permitting these entities to access my credit file on the dates listed.

- Under FCRA 604 ( a ) ( 2 ), a permissible purpose for an inquiry must be based on the consumers request for credit or insurance, or other legitimate business needs initiated by the consumer. These inquiries do not meet that requirement.

- According to Metro 2 Compliance Standards, furnishers must ensure the information they report is complete and accurate. Reporting an inquiry without proper consumer authorization constitutes an inaccuracy.

MY REQUEST : Please conduct a full investigation into each of the inquiries listed above, provide me with documented proof of permissible purpose including the original signed application or authorization for each, and delete any inquiry that can not be fully validated.

If these inquiries are not removed, they will continue to cause damage to my credit profile, and I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of my consumer rights under federal law.

Please provide me with written confirmation of the results of your investigation within 30 days as required under the FCRA. 
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 non-monetary relief