vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion continues to report inaccurate personal information on my credit file despite my previous disputes and filings. The addresses XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) and XXXX Midwood Wy XXXX XXXX NJ XXXX are not my accurate information and must be removed immediately. The employer names XXXX XXXX XXXX please fix this to XXXX XXXX XXXX and XXXX XXXX XXXX please fix this into " XXXX ''. My correct personal information is : XXXX XXXX XXXX, Fords, NJ XXXX and my accurate employer name is XXXX XXXX XXXX. Under 15 U.S.C. 1681e ( b ), TransUnion is required to ensure maximum possible accuracy in the reporting of consumer information, yet these errors remain on my credit file and continue to cause harm. I have submitted a dispute dated XX/XX/year> with a tracking number of ( XXXX ) and I previously submitted an FTC Identity Theft Report and a CFPB complaint dated XX/XX/year>. However, after reviewing my new TransUnion credit report, I found that none of these inaccuracies were corrected. The incorrect addresses and employer names are still being reported without any update, which shows that my dispute was not properly handled. I am requesting the CFPBs assistance in making sure TransUnion removes the inaccurate addresses and employer names and updates my file with the correct and verified information. At this time, I am unable to file a new FTC report due to the ongoing FTC system shutdown, which is preventing me from submitting another report. Because of this issue, I am relying on the CFPB to help enforce my rights and ensure that TransUnion finally corrects and deletes these inaccuracies 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 non-monetary relief
Consumer complaint received 2025-11-13 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: VA

Complaint narrative:
I am disputing the following information with Experian as it XXXX be inaccurate or incomplete : Disputed Accounts : CHARGED OFF : CXXXX XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$12000.00} 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

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 2025-11-13 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: TX

Complaint narrative:
Please double-check this entry ; the timing seems off and there could be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I am a victim of identity theft. A family member has compromised my social security number and got bank accounts and credit under my name. I have a credit lock and a list of questions that need to be answered before obtaining credit it my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TN

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 XXXX 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 XXXX  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 2025-11-13 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: TN

Complaint narrative:
I am writing to request unauthorized credit inquiry on my TRANSUNION Credit Report. 
My latest credit report shows XXXX credit inquiry that I did not authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 
INQUIRY : XXXX XXXX XXXXXX/XX/year>

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 2025-11-13 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:
After multiple disputes, the bureau is still in violation of FCRA XXXX681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXX XXXX and XXXXXXXX XXXX took XXXX dollars from my Chime bank account. 
Although XXXX refunded the money, chime is nor returned the money. 
On XX/XX/XXXX I uploaded to chime an email from XXXX and after calling Chime today, I'm being told they do not see the refund. I need help resolving this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding multiple inaccurate and unauthorized items being reported on my credit file by the XXXX credit bureaus ( XXXX, XXXX, and Equifax ). These inaccuracies have negatively affected my credit profile, and previous disputes have not resolved the issue. 
Below are the details of the accounts and items in question : Account with Inaccurate Information : XXXX  XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Issue : The account is showing late payment, which is inaccurate. I have never made any late payments on this account. Please investigate and update the payment history to reflect an accurate, positive status. 
Requested Resolution I request that the CFPB assist in ensuring the following actions are taken : XXXX. Removal of the incorrect address from all credit reports. 
XXXX. Correction of the inaccurate late payment reporting by XXXX XXXX. 
XXXX. Deletion of all unauthorized inquiries listed above from my credit reports. 
I have attached supporting documentation verifying my correct address and identity. 
Please investigate this matter and ensure that the credit reporting agencies and data furnishers comply with the Fair Credit Reporting Act. I would like to receive written confirmation once these inaccuracies have been addressed. 
Thank you for your assistance in resolving these ongoing credit reporting issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and fraudulent information has been placed on my credit reports with Equifax, Experian, and TransUnion. I did not authorize, open, or apply for the accounts and hard inquiries that are appearing on my credit file. These items were created as a result of identity theft and are causing serious harm to my credit and financial stability. 
When reviewing my credit reports, I found multiple seriously past-due accounts, charge-offs, and collection-related items that I did not open or authorize. In addition, there are numerous hard inquiries from auto dealerships, finance companies, and other lenders that I never applied with. These inquiries were not made by me, were not approved by me, and were never used to open any legitimate accounts.

These unauthorized hard inquiries appear on all three of my credit reports Equifax, Experian, and TransUnion and are negatively impacting my credit score, my ability to qualify for housing, and my overall financial opportunities. 
I have taken steps to dispute these fraudulent entries directly with all three credit bureaus, but the inaccuracies have not been removed or corrected despite clear evidence of identity theft. I have also completed an FTC Identity Theft Report, which is included with this complaint along with copies of my ID, proof of address, and highlighted pages of my credit reports showing the fraudulent accounts and unauthorized inquiries. 
I am requesting assistance from the CFPB to ensure that Equifax, Experian, and TransUnion, as well as any creditors or lenders who reported these items, do the following : Conduct a full investigation into all fraudulent and unauthorized accounts and hard inquiries. 
Remove or block ALL items associated with identity theft from my credit file. 
Correct my reports so they show only information that I personally opened or authorized. 
Provide written confirmation and updated credit reports after completing their investigation. 
This ongoing identity theft is causing severe financial harm, and I need immediate assistance from the CFPB to compel the credit bureaus and reporting creditors to take corrective action.

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 2025-11-13 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:
Ensure removal of all disputed items in compliance with time laws.

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 2025-11-13 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:
I am disputing the following charged-off accounts on my TransUnion credit report. These accounts are incorrectly reported and should be corrected or removed : XXXX XXXX XXXX XXXX, Account No : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account No : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account No : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiry on my TransUnion credit report. This inquiry is incorrect and should be removed : XXXX XXXX, Date : XX/XX/XXXX Late Payment : I am disputing the late payment reporting for the following accounts. The reported late payments are inaccurate and should be corrected or removed : XXXX, Account No : XXXX XXXX, Account No XXXX XXXX XXXX Account No : XXXX XXXX, Account No : XXXX XXXX, Account No : 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my con
cern regarding the security and handling of my personal information.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint to dispute inaccurate personal information being reported on my credit file. The address listed as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX should be fixed to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NJ XXXX, which is the correct address. Additionally, the XXXX XXXX XXXX XXXX FL XXXX is NOT MY ADDRESS and should be removed from my credit report. My ONLY AND ACCURATE ADDRESS is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NJ XXXX. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum accuracy of the information they report. Under 15 U.S.C. 1681i ( a ), I request prompt correction of these inaccuracies. Additionally, the FTC site is currently unavailable, which is why I am unable to create an FTC Identity Theft report at this time.

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 2025-11-13 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of the TransUnion data breach and have since experienced repeated, unauthorized restrictions on my ability to view and manage my own credit file. Despite completing TransUnions identity verification and file maintenance process multiple times, I am continuously locked out of my account after a few weeks.

This is unacceptable and violates my right under FCRA 609 to access all information being reported about me. I am entitled to review my personal credit file without unreasonable barriers or repeated re-verification cycles. 

Additionally, I have discovered numerous unauthorized credit inquiries listed on my TransUnion credit report that do not belong to me. I have already submitted a fraud report and dispute request demanding that these inquiries be removed. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inquiries were not authorized by me and appear to be the result of fraudulent activity following the TransUnion data breach. I am requesting immediate removal of these inquiries and confirmation of file security measures. 

I am also requesting that TransUnion provide me with uninterrupted access to my full credit file moving forward and a written statement confirming all disputed inquiries have been deleted from my 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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
PayPal/Synchronys system duplicated a payment and processed it twice.

I submitted one payment, and their platform created two identical payments back-to-back with no warning and no confirmation.

When I contacted support, multiple representatives and supervisors insisted there was no way to stop or reverse the duplicate payment. They blamed me for the error despite the fact that the duplication was created entirely by their system.

I was told conflicting and threatening information, including being told that blocking the payment at my bank would result in fees from both the bank and PayPal, and that I should have called them first before using their online system. 

Their system caused an unintended credit balance of several XXXX dollars, and they are refusing to process an electronic refund. 

Under TILA Regulation Z 1026.21, I am legally entitled to a prompt refund of any credit balance. PayPal/Synchrony is refusing to comply.

I am requesting a refund of the duplicate payment that their system created, and I am asking that Synchrony correct this issue 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