vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies, unauthorized inquiries, and improper reporting on my credit file that violate the Fair Credit Reporting Act ( FCRA ) and have caused significant distress. Despite my efforts to resolve these issues directly with the involved creditors, they have remained uncorrected, compelling me to seek your assistance. 

XXXX. Address Errors : My current and correct address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
However, my address has been inaccurately reported multiple times. These errors create confusion, can lead to identity verification issues, and negatively impact my credit reliability. FCRA XXXX ( a ) ( XXXX ) requires consumer reporting agencies to ensure accurate reporting of personal information. 

XXXX. Incorrect Charge-Off Accounts : XXXX XXXX Account # : XXXX Opened XX/XX/XXXX Balance : {$17000.00} Reported as Charge-Off Integra Credit Account # XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} Reported as Charge-Off These accounts have been inaccurately reported as charged off. FCRA XXXX mandates that any unverifiable or inaccurate information must be corrected or deleted immediately. The reporting of these accounts as charged off misrepresents my creditworthiness and is causing tangible harm. 

XXXX. Collection Account : XXXX XXXX XXXX ( Original Creditor : XXXX Credit Card ) Account # : XXXX Opened XX/XX/XXXX Balance : {$2300.00} This account is inaccurately reported in collection. I dispute the validity and accuracy of this debt. Under FCRA XXXX and XXXX, I request verification of this debt, and if unverifiable, it must be removed from my credit report immediately. 

XXXX. Unauthorized Inquiries : The following inquiries were made without my authorization, violating FCRA XXXX ( a ) ( XXXX ), which states that a consumer report XXXX only be accessed for a permissible purpose : 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 These inquiries were not authorized by me and are negatively impacting my XXXX XXXX. I request immediate removal of all these unauthorized inquiries. 

Conclusion and Request : I respectfully request the CFPB to investigate these matters, ensure all inaccurate information is corrected or deleted, and that unauthorized inquiries are removed from my credit file. These violations are causing significant harm to my financial reputation and creditworthiness.

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have called ally financial and tried numerous times within the last 2 months and i am told that a manger will call me back but no one calls the only people who call me every day is a agent from ally to collect the payment due because i have not paid the last 2 months of this loan. I am being over charged all of my payments i make are not going towards the rate not the principal, They extended my loan without letting me know for 19 more months and i have so many fees and all of my payments are not being allocated correctly. 
and not to mention my credit score is in the XXXX because of this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
Re : Formal Complaint and Demand for Immediate Compliance with Regulation E Claim ID XXXX Account Ending XXXX Amount : {$2100.00} Introduction This correspondence constitutes a formal legal complaint and final demand regarding Chime Financial , Inc.s willful and repeated violations of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C . 1693 et seq., and Regulation E, 12 C.F.R. Part 1005. 

The undersigned has suffered unauthorized debits totaling {$2100.00} and has complied fully with all reporting obligations. Attached as Exhibit A is the FTC Identity Theft Report ( Report No. XXXX ), filed to corroborate and document the fraudulent activity. 



Factual Background 1. On XX/XX/year>, I filed a dispute concerning the unauthorized debit of {$2100.00}. 
2. On XX/XX/year>, Chime unilaterally denied the claim, issuing a blanket statement of no error occurred without producing a single record, authorization, or merchant document in support. 
3. Since that date, Chime has engaged in a pattern of procedural manipulation, prematurely closing and resetting the claim in order to extend its investigation window beyond the statutory period and evade issuance of provisional credit. 



Violations of Law Chimes conduct constitutes clear statutory violations as follows : 12 C.F.R. 1005.11 ( c ) ( 2 ) ( i ) : Failure to provisionally recredit the account within 10 business days where the investigation was not completed.

12 C.F.R. 1005.11 ( c ) ( 1 ) : Failure to conduct a reasonable investigation ; a perfunctory systems review does not satisfy the statutory requirement.

12 C.F.R. 1005.11 ( d ) : Failure to provide copies of all documents relied upon in making the adverse determination.

15 U.S.C. 1693f ( e ) : Unlawful practice of closing or delaying disputes in order to circumvent provisional credit obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
I submitted a formal dispute to Experian along with supporting documentation, requesting that they verify or remove inaccurate and incomplete items per my rights under the FCRA ( XXXX XXXX Code XXXX and XXXX ). I also requested all documentation used to verify the accounts, including the method of verification and furnisher information. 

Experian has not responded to my CFPB complaint at all. It remains listed as In progress with no resolution, even though more than XXXX  days have passed. Additionally, they only mailed me a generic printout of my credit report, not the documents I requested or any actual verification. This does not satisfy FCRA requirements. 

XXXX failure to respond and failure to provide verification documentation constitutes noncompliance with federal law and is preventing me from resolving critical inaccuracies that are harming my credit.

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 2025-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am really frustrated that unauthorized inquiries continue to show up on my credit report today. I can not understand why this issue has not been corrected, and refreshing my browser has not helped at all. I need this matter looked into immediately with a full review of the documents I sent so I can finally stop worrying about this.

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 2025-09-04 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Subject : Failure to Provide Full Debt Validation CFPB Follow-Up I am submitting this follow-up complaint regarding a debt collector who has failed to fulfill their legal obligation to provide complete debt validation under the Fair Debt Collection Practices Act ( FDCPA ).

I submitted a written request for debt validation within the required 30-day window after initial contact. In response, the collector provided limited or generic information that does not meet the standards outlined in Regulation F ( 1006.34 ), including : No copy of the original signed agreement or contract No itemized breakdown of the alleged debt ( principal, interest, fees ) No proof of ownership or legal authority to collect No documentation verifying the debt is within the statute of limitations Despite this, the collector has continued to report the debt to credit bureaus and/or pursue collection activity, which constitutes a violation of federal law.

I am requesting that the CFPB investigate this matter and compel the debt collector to either : Provide full and proper validation of the debt, or Cease all collection activity and remove any related tradelines from my credit reports Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Account with Marcus was opened by me and my father ( with XXXX ) back in XX/XX/year>. Account closed end of XXXX after Marcus was unable to contact my father. Due to my father 's cognitive decline he was unreachable and is in a memory care. After the account closed, the Funds that remained in the account were accidentally sent to an unclaimed account and were unable to be accessed by me. I am submitting a formal complaint regarding Marcus handling of a previously accepted dispute in my favor. Despite this acknowledgment, the disputed funds have not been released, and Ive encountered significant delays, misinformation, and a lack of coordination from their team. My concerns include : Repeated, lengthy calls with representatives who have given conflicting and inaccurate information. Inconsistent claims about a check that was issued then stopped due to reasons unable that were not explained. Inaccurate transfer of disputed funds sent to a CLOSED Marcus account and unable to access. This situation is especially concerning as my father ( joint account owner ) is now in memory care due to cognitive decline. Our joint account was established to ensure seamless management of his finances. I have been formally appointed as his XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and also hold power of attorney. Despite the following, Marcus, having already decided to release the disputed funds, has failed to follow through and has created unnecessary barriers and delays. Despite these efforts, Marcus has : Failed to release the funds to my fathers account ( where the funds originated from ) Withheld the funds by recommending mailing a check with the amount and then placing a stop on the check without adequate explanation or notification Failed to provide any updates regarding the status of the matter or call for clarification, causing more delays over the last two months. This level of inaction and disregard is unacceptable, especially given the vulnerability of the individual involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've been in communication with ( Transunion, Equifax or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about the incorrect personal information on my file. Not only is it unfair, it's also illegal. By law 15 USC 1681 ( b ) it clearly states that your reporting agency must follow these.

Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information accordance.

This whole this is unfair. This has been stopping me from being able to move forward in life because of the inaccurate information being reported on my credit report. I have told ( Transunion, Equifax or Experian ) many time I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This is clear violation of 15 USC 1681 & 15 USC 1681 C-2.

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX My only name is : XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only date of birth is : XX/XX/year> My only employer is : XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've been in communication with ( Transunion, Equifax or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about the incorrect personal information on my file. Not only is it unfair, it's also illegal. By law 15 USC 1681 ( b ) it clearly states that your reporting agency must follow these.

Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information accordance.

This whole this is unfair. This has been stopping me from being able to move forward in life because of the inaccurate information being reported on my credit report. I have told ( Transunion, Equifax or Experian ) many time I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This is clear violation of 15 USC 1681 & 15 USC 1681 C-2.

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX My only name is : XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only date of birth is : XX/XX/year> My only employer is : XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your 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 2025-09-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
CFPB Complaint Draft Against Mosaic XXXX XXXXXXXX, XXXX Consumer Information : Name : XXXX XXXX XXXX XXXX : Florida Company : Mosaic XXXX XXXX, XXXX What happened? 
In XXXX, my late father purchased solar panels financed through Mosaic. Since installation, the panels have never produced the promised savings, and I provided Mosaic with documentation showing that our electricity bills did not decrease. 

On XX/XX/XXXX, my father passed away. On XX/XX/XXXX, my mother also passed away. They left no assets, no money, and no inheritance. There is no will, and no probate case is required. The property legally transferred solely into my name. 

The solar loan account has been extremely difficult to resolve : Mosaic continues to have a UCC-1 filing in county records tied to the solar panels. While they claim it is only on equipment, mortgage lenders treat it as a lien and this is blocking me from refinancing my home, which needs urgent repairs. 

Mosaic claims they charged off the account on XX/XX/XXXXXXXX  and transferred it to XXXX XXXX XXXX. However, when I contacted XXXX, they confirmed they have not received this account. This leaves me with no company willing to help me. 

Mosaic refuses to release the UCC-1 unless the loan is settled, even though the borrowers are deceased and there is no estate.

Mosaics response has been to offer to write a letter to lenders stating the UCC only covers equipment, but lenders do not accept such letters they require a clean title with the UCC released.

Why I am filing this complaint : Mosaic has failed to provide a clear resolution for this account after both borrowers passed away. They are : Misrepresenting the servicing status of the loan. 

Refusing to release or re

move the UCC-1, which is blocking my refinance. Providing inconsistent information, causing delays and financi
al hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: DC

Complaint narrative:
b'Formal Complaint Against TransUnion & Equifax\nI am submitting this complaint because both TransUnion and Equifax have failed to honor my dispute rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  XXXX, despite me following every proper step and providing full documentation.\nTimeline of My ActionsXXXX XXXX XXXX  I mailed my Identity Theft Affidavit, a copy of my government-issued ID, and a copy of my Social Security card via USPS Certified Mail.\n\n\nTracking Numbers: TransUnion (XXXX XXXX XXXX XXXX XXXX), Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirmed delivery to Equifax.XXXX XXXX XXXX XXXX  confirmed delivery to TransUnionXXXX XXXX XXXX  I called both bureaus and began my verbal disputes.XXXX XXXX XXXX, XXXX   I made multiple follow-up calls to both bureaus, yet each time they acted as if no dispute had ever been started, forcing me to repeat the process.\n\n\nTransUnion Calls & Reference NumbersXXXX XXXX XXXX  Rep: XXXX   Ref: XXXX  Rep: XXXX   Ref: XXXX  Rep: XXXX  Ref: XXXX  Rep: XXXXEquifax Calls & Reference NumbersXXXX  Ref: XXXX  Ref: XXXX  (initially filed on XXXX  Rep: XXXX  Ref: XXXX   Supervisor: XXXX (ID: XXXXViolations of the Law\nBoth bureaus blatantly violated the FCRA and ignored their legal duties as consumer reporting agencies:\nFailure to Properly Investigate Disputes  15 U.S.C.  1681i(a)(1)(A)\n\n\nCRAs must conduct a reasonable reinvestigation within 30 days. My disputes were ignored or restarted repeatedly.\n\n\nFailure to Consider and Use Supporting Documentation  15 U.S.C.  1681i(a)(2)(B)\n\n\nI submitted an Identity Theft Affidavit, ID, and SSN card with proof of delivery. These were falsely claimed to be not received or illegible.\n\n\nFailure to Delete Unverified Information  15 U.S.C.  1681i(a)(5)\n\n\nFraudulent inquiries and accounts remained, despite being disputed and unverifiable.\n\n\nFailure to Provide Proper Notice of Results  15 U.S.C.  1681i(a)(6)\n\n\nNo proper outcome letters were sent within the required 5 business days.\n\n\nWillful & Negligent Noncompliance  15 U.S.C.  1681n, 1681o\n\n\nBy deliberately stalling, disregarding my evidence, and refusing to process my disputes, both bureaus caused me actual harm.\n\n\nHarm and Damages\nBecause of these violations:\nI have been denied housing opportunities while trying to provide a stable home for my family.\n\n\nI have suffered emotional distress, frustration, and anxiety from being forced to repeat disputes that should have been handled correctly the first time.\n\n\nMy time and money were wasted in repeatedly calling, mailing certified letters, and chasing compliance from the bureaus.\n\n\nThis has caused both financial and emotional damages directly tied to their unlawful handling of my disputes.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
This is a formal dispute regarding the fraudulent accounts that currently appear on my credit report. I did not open, authorize, or approve these accounts in any capacity. Their listing is false, harmful, and represents a direct violation of my rights as a consumer.

Company response to consumer: Closed with explanation