vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2025-11-12 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 2025-11-12 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: GA

Complaint narrative:
I am disputing the following accounts and information being inaccurately reported on my TransUnion credit report. These issues are negatively impacting my credit and must be rectified as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MN

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of Birth : XX/XX/year> Email : XXXX Phone : ( XXXX ) XXXX of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at that appears related These accounts have resulted in several fraudulent collections & Charge off accounts appearing on my consumer FICO credit report. I've attached a list of the collections and charge off accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have not attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Chime Financial Inc
State: WV

Complaint narrative:
Was sent a {$800.00} loan offer XXXX  days later I clicked on it and said {$100.00} their app is confusing and all you get is policy spoke back no resolution so after I paid the {$100.00} loan back now it's XXXX  day wait period ... they wait till you're about broke and send a low loan offer.especiially know I'm XXXX and live on a budget. 
XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-12 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: TX

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

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 2025-11-12 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:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
I've tried several times to have my account with Elan Financial Services Credit Card updated witht he correct balance and credit utilization. I've disputed with XXXX  and they have repeatedly responded with the same information that does not reflect the current balance or utilization. I've attached a letter from Elan Financial Services Credit Card which was also sent to XXXX  when I disputed the account with them showing the exact balance as of XX/XX/year> as well as my recent print out from XXXX  showing something different. Lastly I am sending in the response from the Equifax dispute. I want this resolved as soon as possible as it is having a negative impact on my overall credit score, utilization and financial status.

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 2025-11-12 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: NJ

Complaint narrative:
I have a XXXXchrony Mastercard XXXX. 
In XX/XX/year>, I got my monthly invoice statement for the purchases for {$2900.00}. 
The payment due date was XX/XX/year>. 
On XX/XX/year>, I electronically schedule a payment for {$2900.00} to be made from my checking account on due date, XX/XX/year>. The scheduled date, XX/XX/year>, was verified by Synchrony representative when I spoke with them. 
I was out of the country from XX/XX/XXXX through XX/XX/XXXX. 
On XX/XX/year>, I checked my Email and was surprised by the Email from the Synchrony Mastercard noting that my payment of {$2900.00} is due on XX/XX/year>. 
I checked my bank account and indeed did not see any withdrawal on XX/XX/year>. 
I am never late with my payments and therefore decide to pay immediately to avoid any late charges, call credit card office the next day, XXXX, and report on what happened. In the meantime, I checked my account and noticed that the money where withdraws immediately on XX/XX/year>. 
Next day, on XX/XX/year>, I called the credit card office XXXX. 
I tried to understand why the money was not withdrawn on the due date and explain why I paid on XX/XX/year>. Surprisingly I was informed that the computer did not take the money on XX/XX/XXXX. Its set up to take the money XXXX days after scheduled date, it set up to send a warning way before the scheduled date. Why is it not set up to send a letter to the customer that the payment is scheduled? Is that my fault? 
Anyway, for now it looks like I made double payment. I asked the representative to cancel one payment. They refused to do it. They said that when the 2 ( two ) payments go through, they will send me a check within a month. That means that I must put additionally my money {$2900.00} for one month on hold. I am not a bank and can not subsidies credit card bank. I have other payments scheduled and at that point I do not have an extra {$2900.00} to invest.

I spoke with several credit card representatives including supervisors. Everyone refused to help. The system is not set up. Again, it is not my fault! I was warned that if I cancel any one of these payments I will be penalized. It is ridiculous! And I can complain to everyone I want it including CEO of the bank nobody will help. 
The next day I called my bank, XXXX, and I cancelled one payment. The cancelation charges are {$30.00}, and I expect Synchrony to pay for it.

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 monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a small business owner who processes orders through XXXX XXXX. On XX/XX/XXXX a customer placed an order totaling XXXX, paid with an American Express card. The order was shipped, delivered, and confirmed with full tracking and photographic proof of delivery through USPS to their mailbox Despite submitting this verified delivery evidence to Shopify Payments ( the payment processor ) and American Express, a chargeback was approved in favor of the cardholder. Both XXXX and AmEx received proof that the product was successfully delivered, yet the case was closed against me. XXXX also charged me a {$15.00} dispute fee, even though I provided full documentation supporting my case.

I contacted both companies multiple times : XXXX Support confirmed in writing that they can not contact American Express directly, since they process through a third-party banking partner.

American Express instructed me that XXXX ( as the payment facilitator ) must contact their premium partner servicing team to reopen the case. 

XXXX later informed me that once a decision is made, it is final and can not be reopened, even if there is proof of delivery.

This circular process left me with no resolution, no refund, and no accountability from either company. I have suffered a financial loss for a product that was delivered and received by the customer, and I am being penalized with a dispute fee on top of it.

This demonstrates a serious flaw in the dispute-handling process for merchants using XXXX XXXX  and American Express . I am requesting that this case be reviewed and reopened, that my funds ( including the {$15.00} fee ) be returned, and that appropriate action be taken to prevent this issue from recurring for other small business owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am submitting a dispute concerning the information reported on my Experian credit file. The following accounts do not accurately reflect my credit history and I respectfully request that you investigate and correct them. 

Charged Off Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$51000.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$78000.00}

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Account was payed off on XXXX XXXX I called for a deletion letter they stated they dont do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My elderly mom ( XXXX XXXX XXXX XXXX ) and I opened an account at Citi Bank on XXXX XXXX XXXX, in XXXX XXXXXXXX XXXX in XX/XX/year>. We had just secured a large home loan so that we could do repairs/renovations at her home. We spoke with the rep at the bank and were concerned the funds would not be there in time for the interest rate promotion they we're running. We were then advised the money was received and we were all good. The problem is we never received XXXX cent of interest on {$320000.00}. The bank said we put it in the checking and it would have to go into savings. That was never told to us.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX  ) Issue : Inaccurate charge-off status, unverifiable balances. 
Violation ( s ) : FCRA 1681e ( b ), 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with non-monetary relief