vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
Recently, I conducted a personal investigation of my credit reports and discovered multiple accounts that are unverifiable, invalidated, inaccurate, and questionable, which your agency has failed to ensure are 100 % accurate and fully substantiated. This failure represents a clear violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer.

According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in the information they report. Inaccurate, outdated, or incomplete information that can not be verified must not be included in a consumer 's credit file.

Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed item of information is found to be inaccurate, incomplete, or can not be verified after reinvestigation, it must be promptly deleted from the file and can not be reinse
rted without full certification of accuracy by the furnisher.

Furthermore : Reporting unverifiable data is a direct violation of FCRA 1681i ( a ) ( 1 ) ( A ), which requires agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute.

Continued reporting of inaccurate items without full investigation violates FCRA 1681s-2 ( b ), which holds data furnishers accountable for correcting or deleting inaccurate information once notified of a dispute.

If any of these accounts are reported without permissible purpose or consent, this may also violate FCRA 1681b.

Your agencys failure to ensure the integrity and accuracy of the data reported is not only negligent, but it also exposes you to liability under FCRA 1681n and 1681o, for willful and negligent noncompliance. 

For your reference, I have attached copies of all prior dispute letters and supporting documentation. I demand immediate removal or correction of the inaccurate accounts and a written response confirming the outcome of your reinvestigation.

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 2025-07-16 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: FL

Complaint narrative:
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 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
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 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX through XX/XX/XXXX of 2025, the following fraudulent transactions occurred on my account : XXXX XXXX XXXX XXXX XXXXXXXX  PDT, XX/XX/year>, {$74.00} XXXX XXXX XXXX XXXX XXXX PDT, XX/XX/year>, {$10.00} ATM withdrawals at XXXX XXXX PDT, XX/XX/year>, {$100.00} XXXX PDT, XX/XX/year>, {$100.00} XXXX PDT, XX/XX/year>, {$100.00} XXXX PDT, XX/XX/year>, {$100.00} XXXX PDT, XX/XX/year>, {$100.00} -XXXX XXXX XXXX XXXX PDT, XX/XX/year>, {$270.00} XXXX purchase , XXXXXXXX XXXX  PDT, XX/XX/year>, {$94.00}. 

I have provided chime with my police report number ( XXXX ) as well as provided security camera images of the criminal committing the fraudulent transactions with the dates and times in CDT. Despite providing chime with all of this information and opening multiple disputes, they have continued to deny all of my disputes, except one dispute that encompasses two of the XXXX purchases. However, this does not resolve the situation because they have not refunded the remainder of the fraudulent transactions and this has left my account in the negative, so I can not even close this account out. I am requesting for chime to refund my account in the full amount of these transactions {$950.00} and take my account out of the negative since I do not owe chime anything. Once this is completed, I would like to close my account immediately because chime has completely lost my trust and did not secure my account. They have continuously put me through hoops to get my own hard earned money back. I should not have to endure this due to a major mistake on chimes behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I am formally disputing a charged-off XXXX  XXXX account reported inconsistently by all three major credit bureaus, with inaccurate and misleading information that violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 611 ( a ). 

Account # : XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Closed Date : XX/XX/XXXX Balance : {$0.00} ( Paid in full ) Discrepancies include the following : Date of Last Activity differs across bureaus : TransUnion reports XX/XX/XXXX, Experian shows XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 

Equifax continues to list this account as Derogatory, despite a {$0.00} balance and full resolution. 

Creditor remarks conflict between bureaus regarding charge-off, cancellation, and payment reporting. 

According to FCRA Section 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The existence of conflicting data on the same account across bureaus is, by definition, a failure of this requirement.

Furthermore, per FCRA Secti

on 611 ( a ), I have the right to request a reinvestigation, and if the data can not be confirmed as accurate, it must be deleted. This paid charge-off no longer reflects an actual financ
ial risk, and continued reporting as derogatory is misleading and injurious to my credit profile. I am requesting immediate deletion of this account from all three credit bureaus due to its legally noncompliant and inconsistent 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a trade line reported by XXXX currently listed on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I submitted a timely and formal request to ProCollect for debt validation.

To date, XXXX has failed to provide proper validation or verification of the alleged debt, including but not limited to a signed agreement, itemized accounting, or proof that I am legally obligated to pay the amount being reported. 

Because they have not validated this debt as required by law, and because the continued reporting of this unverifiable account constitutes inaccurate and unfair credit reporting, I am requesting immediate deletion of this trade line from my Equifax report. 

Please investigate this matter and remove the XXXX entry promptly to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Since this late payment does not fairly represent my payment history, I ask that it be immediately removed from my account. I've always paid on time, so this inaccurate entry is unjust. Kindly make the appropriate updates to my account.

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 2025-07-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED 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 XXXXXX/XX/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 2025-07-16 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: NJ

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information.

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely.

I expect the inaccuracies to be corrected or the account to be removed from my credit report within 30-45 days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
The following personal information is incorrect : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} The following personal information is incorrect : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Amount : {$9800.00} Please remove it from my credit report under 15 USC 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information.

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely.

I expect the inaccuracies to be corrected or the account to be removed from my credit report within 30-45 days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
The following personal information is incorrect : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} The following personal information is incorrect : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Amount : {$9800.00} Please remove it from my credit report under 15 USC 1681i

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 2025-07-16 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: AL

Complaint narrative:
This complaint is about inaccurate and misleading credit reporting by XXXX XXXX XXXX XXXX XXXX. The account is being reported as a repossession, with a payment history that inaccurately shows XX/XX/year> as missed, even though a payment was made on XX/XX/year> well before the due date. The account is also reported as being 90119 days late leading up to the repossession, which is not accurate. Additionally, the balance leading up to the repossession included force-placed insurance charges that the lender later admitted were invalid and refunded after the vehicle was already repossessed. I also have an active complaint with the XXXX regarding the handling of this loan. Please see attachments for supporting documents and payment proof.

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