vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I got an notification that someone had took {$190.00} off my account I did not make that purchase.i called chime and told them the situation and they disputed the transaction and they denied it twice I gave them evidence of my location and evidence of where that purchase was made and the person who did the purchase and there location and they denied me again I have called chime 8 times and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I am formally disputing a late payment reported on my credit file. My records clearly indicate that all payments were submitted on time. The reported entry is inaccurate and has caused undue harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: GA

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 explanation
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MD

Complaint narrative:
I am filing a formal complaint regarding multiple unauthorized hard inquiries on my credit reports. These inquiries were not initiated or authorized by me, and therefore they violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires permissible purpose and consumer consent for such access. Despite not giving authorization, the credit bureaus are reporting these inquiries, which is damaging my credit profile.

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 2025-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX is reporting and attempting to collect a debt related to a former lease I had in Colorado. The balance they claim is inflated with interest charges that were never authorized in my lease agreement and are not permitted by law without a judgment. 

I previously requested validation. XXXX responded, but their validation letter did not include any proof of contractual interest terms or a court judgment. My original Colorado lease only permits fixed late fees and certain administrative charges ( such as cleaning or returned check fees ). It does not authorize ongoing or compounding interest on unpaid rent or damages. 

By adding unauthorized interest and reporting this inflated balance to credit bureaus, XXXX XXXX XXXX is violating the Fair Debt Collection Practices Act, 15 U.S.C. 1692f ( 1 ), which prohibits collecting any amount not expressly authorized by the agreement creating the debt or permitted by law. 

I am requesting that CFPB require XXXX XXXX XXXX to : Provide documentation supporting the alleged interest charges, OR Remove/correct the unlawful interest and update my credit reports accordingly. 

Supporting documents attached : Copy of my lease agreement showing permitted fees only. 
Copy of XXXX validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : XXXX XXXX XXXX TransUnion XXXX to Delete Inaccurate Accounts ( XXXX & XXXX ) To Whom It XXXX Concern, I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate accounts being reported under the names XXXX  and XXXX. 

On XX/XX/year>, I disputed these accounts with TransUnion due to their inaccuracy. Despite my submission and supporting evidence, TransUnion continues to report these accounts as active derogatory items. However, XXXX has already completed its investigation and permanently deleted these same accounts from my credit report on the grounds of inaccuracy and unverifiability. 

This marks my second dispute attempt with TransUnion concerning these same accounts. Their continued reporting is a direct violation of the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) Obligation to delete or correct any information that can not be verified. 

15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy of consumer credit reports.

By refusing to delete these accountsdespite another national credit bureau confirming their inaccuracyTransUnion is engaging in willful noncompliance with the FCRA. This has caused ongoing and unlawful damage to my credit profile. 

I am demanding the immediate deletion of XXXX and XXXX from my TransUnion credit file. The continued reporting of these accounts is reckless, unverified, and unlawful. 

If this matter is not resolved promptly, I will escalate my actions by : Filing additional complaints with the FTC and the Texas State Attorney Generals Office. 

Seeking statutory damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n for willful violations, as well as remedies under 15 U.S.C. 1681o for negligent violations. 

I respectfully request that the CFPB enforce corrective action against TransUnion and ensure these inaccurate accounts are deleted without further delay. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$4800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I disputed this alleged account with Portfolio Recovery via certified mail. I specifically requested validation and proof of ownership. Portfolio has failed to provide validation but continues to furnish false information to the credit bureaus. 

This is a violation of FDCPA 807 ( 8 ) ( communicating false credit information ) and FCRA 623 ( b ) ( failure to conduct a proper investigation ). Each update to this tradeline without proof is a separate violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Affirm Holdings, Inc
State: LA

Complaint narrative:
I am writing to dispute the accuracy of the following account being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). 
Creditor : Affirm Inc . 
Account Number : XXXX Date Opened : XX/XX/XXXX Status Reported : Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

Nature of Dispute : The reporting of this account contains contradictory and inaccurate information : XXXX. The account is reported as charged off/ written off in XX/XX/XXXX, but also as {$670.00} past due as of XX/XX/XXXX. 
A balance can not simultaneously be written off and past due. 
This is inconsistent and misleading to anyone reviewing my credit. 
XXXX. The payment history grid continues to show CO ( charge-off ) monthly through XX/XX/XXXX. While historical reporting of charge-off is allowed, marking an account as both charged off and past due is inaccurate under FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 
XXXX. The balance was updated in XX/XX/XXXX, over a year after charge-off. Any post charge-off updates must comply with the original contract and applicable state law. If no such fees or interest were permitted, this constitutes inaccurate reporting. 

Requested Action : Under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting that you : delete the account entirely if Affirm can not provide verifiable and consistent reporting. 

Please provide me with a written response of the results of your reinvestigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 


This Account violates XXXX & FCRA. XXXX but still reports a balance and monthly terms. DOFD re- aged, incomplete data ( no credit limit, terms and recent pmt ). Delete immediately for full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-21 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: CA

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 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 2025-08-21 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: CA

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 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 2025-08-21 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: SC

Complaint narrative:
there are several inquiries on my credit report, that I did not authorize and I need to get them remove 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 2025-08-21 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: NJ

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that I am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that I have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. XXXX XXXX Bank XXXX XXXX : {$600.00} Opened : XXXX, XXXX XXXX XXXX Balance : {$5600.00} Opened : XXXXXXXX XXXX XXXX Balance : {$0.00} Opened : XXXX, XXXX XXXX XXXX Balance : {$2800.00} Opened : XXXX, XXXX XXXX XXXX Balance : {$2500.00} Opened : XXXX, XXXX XXXX XXXX Balance : {$1300.00} Opened : XXXX, XXXX XXXX XXXX Balance : {$970.00} Opened : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
According to my records, this account is being inaccurately reported. Under the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute information on my credit file that I believe to be inaccurate, incomplete, or unverifiable. Credit reporting agencies are required to investigate and remove or correct any such information within 30 days of receiving this dispute.

Furthermore, 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. The item listed above fails this standard. 

I request that you immediately investigate this matter, remove the inaccurate information from my credit report, and provide me with an updated copy of my credit report showing the correction. 

In support of my dispute, I have enclosed copies of documentation that verify my claim ( such as payment records, correspondence with the creditor, or any other relevant documents ). 

Please be advised that if this item can not be verified, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I expect your reinvestigation results and an updated credit report within the timeframe allowed by the FCRA.

Company response to consumer: Closed with explanation