vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : Discrepancies in the reported payment history, Date of last activity. 
Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

Section 611 : Right to dispute inaccuracies and request investigation.

Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-05-03 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: GA

Complaint narrative:
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNT TO BE REMOVED PDQ SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3400.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
They said my checking account was closed well today we found out that it wasn't closed so much that they couldn't take in the direct deposit for my social security check but now that they have it I can't touch it I can't use XXXX to send it to myself or go get a check from them or anything then they say they will mail me a check someday in the future but they can't tell me when I really have been abused by this Bank ever since I filed a complaint with you people I Blame You people I believe I blame the Consumer Financial Protection Bureau for being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because when you file a protest with the XXXX XXXX XXXX XXXX that just tells the banks to go get him boys fresh meat there's blood in the water good job for this old guy yeah buddy you guys really clean this up for me the Consumer Financial Protection Bureau yeah what XXXX 's what Kings of champions of the little guy how much are the banks paying you people for XXXX sakes you guys are pocketing money on the side I'm tired of all this XXXX you guys are all from the same cloth XXXX the customer XXXX the little guy and the government agency says we'll help you XXXX him instead of what you're supposed to be doing the opposite you guys are XXXX opposite of what you're supposed to be doing I'm disgusted by it all you guys in the banks I think my only happiness will come in court when I sue these XXXX and I'm going to make sure you guys are mentioned XXXX times on every social media as the XXXX XXXX XXXX XXXX XXXX XXXX file a complaint with a consumer protection board and that bank will close your accounts for not one single good reason except you filed a complaint with the consumer protection board and the consumer protection board says that's okay you don't need that customer that customer is no good anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CA

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

XXXX  # XXXX XX/XX/year> -- {$13000.00}

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 2025-05-03 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report regarding the above-referenced collection account. Upon reviewing reports from all three major credit bureaus, I noticed that the closing date for this account " XXXX XXXX '' is inconsistently reported among them. 



This discrepancy constitutes inaccurate and misleading information under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ensure all data furnished in a consumer 's file is complete and accurate. The conflicting dates may negatively impact credit scoring models and unfairly harm my creditworthiness.

I request that you conduct a thorough reinvestigation and please remove any inaccurate or inconsistent information. I am also requesting written confirmation of the results of your investigation and an updated copy of my credit report. 

Attached are copies of my identification and documents supporting my dispute. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX Enclosures : Copy of Government-issued ID Supporting Credit Reports Showing Discrepancies

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 2025-05-03 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: NJ

Complaint narrative:
CFPB Complaint : Chime XXXX XXXX  What happened : XXXX XXXX  I was the victim of fraud involving Chimes " Pay Anyone '' feature. A total of {$2800.00} was taken from my Chime account through XXXX unauthorized transactions : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Chime claimed that since these were made through the Pay Anyone feature, they are non-refundable. However, I did not authorize these transfers. I believe I was tricked or deceived into sending the money, or my account was compromised. Chime refused to refund the money or investigate the situation properly. 


XXXX XXXX Transaction Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Total Amount Lost : * * {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please delete these inquiries as they are fraudulent.

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 2025-05-03 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: LA

Complaint narrative:
They did not fix an existing issue. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) XXXX XXXX XXXX 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-03 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX U.S. Code XXXX ( b ) and XXXX U.S. Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: CA

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I continue to believe is both inaccurate and incomplete. Despite submitting multiple disputes, the incorrect information remains unchanged, and it appears that no comprehensive or good-faith investigation has taken place. 

This ongoing issue has caused significant emotional distress and is now interfering with my daily life. I am increasingly frustrated and disheartened by the lack of meaningful resolution. 

Please note, this is not a vague or frivolous dispute. I am not seeking generic or automated responses. I have lawfully authorized a third-party representative to submit this dispute on my behalf, and all required identifying documentation has been provided to support immediate and proper handling of this matter. 

Thank you for your attention and prompt response.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I continue to believe is both inaccurate and incomplete. Despite submitting multiple disputes, the incorrect information remains unchanged, and it appears that no comprehensive or good-faith investigation has taken place. 

This ongoing issue has caused significant emotional distress and is now interfering with my daily life. I am increasingly frustrated and disheartened by the lack of meaningful resolution. 

Please note, this is not a vague or frivolous dispute. I am not seeking generic or automated responses. I have lawfully authorized a third-party representative to submit this dispute on my behalf, and all required identifying documentation has been provided to support immediate and proper handling of this matter. 

Thank you for your attention and prompt response.

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 2025-05-03 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: TX

Complaint narrative:
Experian does not show my credit score or accounts. The other 2 reporting agencies show them. I have talked to my creditors and they say they report to all 3 bureau. Experian did say that they would fix the problem the last time that I reported it, but they have yet to fi. 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 explanation
Consumer complaint received 2025-05-03 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: WI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-03 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Citibank XXXX XXXX, I am writing to formally request immediate attention and resolution regarding the lock placed on my Citibank account ( [ last XXXX digits of your account number XXXX ). This account is the primary means by which I receive income from verified music contracts and professional engagements. 

The continued restriction has directly impacted my ability to access incoming wired funds, meet financial obligations, and support my day-to-day needs. Since then my brother is now homeless, has lost his job because the wire transfer i sent to his girlfriend to pay rent was cancelled & the account was locked from a legal action i attempted. I have attempted to resolve this through standard customer service channels but have not received any clear explanation or timeline for resolution. I was told it would take exactly XXXX business days, today is the XXXX. I was now informed ill have to wait another XXXX business days which is unacceptable. 

I have since filed complaints with both the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( XXXX ), but I remain without access to the funds that are rightfully mine. 

I am formally requesting : A full explanation in writing for the account lock Immediate access to the account and/or release of funds A specific timeline for full resolution I rely on this account for my livelihood, and the ongoing disruption constitutes a serious financial hardship. If this matter is not addressed promptly, I will be forced to escalate through legal means. 

Please consider this my final attempt to resolve this matter amicably. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please delete these inquiries as they are fraudulent.

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