vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/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 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MS

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

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 2025-04-19 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: MI

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my Experian credit report. I did not authorize these inquiries, and they therefore constitute a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ). 


XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Email : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Unauthorized Inquiry by XXXX Bank XXXX Violation of FCRA ( XX/XX/XXXX ) To Whom It May Concern, I am writing to formally dispute a hard inquiry made by XXXX Bank XXXX that appears on my TransUnion credit report dated XX/XX/XXXX. This inquiry was unauthorized, and I did not initiate any credit application or give written consent to XXXX Bank XXXX for this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXb, a consumer reporting agency may only furnish a consumer report if there is a permissible purpose, such as a firm offer of credit or insurance, employment, or with written instruction from the consumer. 

This inquiry violates the FCRA because there was no permissible purpose. Additionally, I request the following : XXXX. The specific permissible purpose XXXX Bank XXXX certified under 15 U.S.C. XXXXb. 


XXXX. The method of verification used to validate this inquiry under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( XXXX ). 


XXXX. Immediate removal of this inquiry if it can not be substantiated with proper documentation of authorization. 



I direct your attention to the following case law supporting my position XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : The court ruled that a debt collector did not have a permissible purpose to obtain a credit report without the consumers consent or a legitimate debt collection purpose. 

XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : A credit report may not be obtained unless there is a firm offer of credit or clear consumer consent. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : A company accessing a credit report without permissible purpose or proper authorization may be liable under the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Emphasized that the FCRA restricts access to credit reports to those with a statutorily defined permissible purpose. 


If this inquiry is not removed within XXXX days, I will pursue legal action under 15 U.S.C. XXXX ( for willful noncompliance ) and XXXX ( for negligent noncompliance ) and seek monetary damages, attorneys fees, and other relief provided by law. 

Please confirm the removal of this unauthorized inquiry in writing. 

Sincerely, XXXX XXXX Have a great day XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
I am formally reporting the 2024 data breach that exposed the credit reporting information of U.S. citizens, including my own. Critically, this breach included my student loan information, which has directly contributed to negative changes in my credit report. I was never notified that this sensitive personal and financial data had been compromised, which is a clear violation of federal consumer protection laws.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
XXXXTHESE ACCOUNTS ARE NEGATIVELY REPORTING ON MY CREDIT AND THEY ARE NEGATIVELY AFFECTING ME. I WOULD LOVE FOR THEM TO BE REMOVED AS SOON AS POSSIBLE. PLEASE AND THANK YOU! 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 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
hey have the wrong Mount, therfore must be removed for inaccuret Information on my Report which it damages my ability to get credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMorgan Chase Bank , N.A . Perjury false lawyer : XXXX XXXX  XXXX page was ripped from the summons. 
Deep perjury. Send today unknown to be officer on or off duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-04-20 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:
I am requesting that Experian immediately delete or correct all inaccurate, unverifiable, or improperly reinserted tradelines in compliance with FCRA 611 ( a ), 611 ( a ) ( 5 ) ( B ), 607 ( b ) and Metro 2 reporting standards. 

This includes : Removal of previously deleted or disputed accounts that were reinserted without proper notice or certification ( e.g., XXXX XXXX XXXX XXXX  ) Deletion of accounts with inaccurate payment history strings, CO CO CO or improper charge-off designations Removal of re-aged Affirm accounts that misrepresent payment timelines or statuses Deletion of any inquiries or accounts verified without lawful reinvestigation Correction of the full credit file with accurate Date Last Active, Last Reported, and payment status fields I am requesting a written confirmation of all deletions and an updated credit report showing compliance. These violations are part of XXXX XXXX XXXX. XXXX currently filed in the 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 2025-04-20 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:
XXXX XXXX Cards Issued by XXXX Companies XX/XX/year> TransUnion

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Promised to remove off all credit bureaus in previous complaint to cfpb. Failed to do so after 60+ days. Disputed them and rejected them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NE

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
I had over XXXX $ in authorized charges. The bank denied it for some reason and did not provide no reasoning. I did not authorize these charges they were fraudulent as I even got a new debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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 recently filed a complaint with CFPB in regards to a collection on my credit report with TransunionXXXX XXXX XXXX XXXX from a collection company XXXX XXXX. XXXX XXXX replied to the complaint that they are closing the collection and requested all XXXX reporting agencies remove this account from my report. Between XX/XX/XXXX and XX/XX/XXXX I show on my Transunion it was removed then immediately added back to my report going against the request for removal and against the law to add a removed 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 explanation
Consumer complaint received 2025-04-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Name : XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit XXXX XXXX XXXX XXXX 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 loan account at XXXX XXXX opened on XX/XX/XXXX, a personal loan account at XXXX XXXX XXXX opened on XX/XX/XXXX, a personal loan account at XXXX XXXX XXXX Bank opened on XX/XX/XXXX, a personal loan account at XXXX XXXX XXXX opened on XX/XX/XXXX, and a personal loan account at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: NC

Complaint narrative:
I am writing to formally dispute the Negative items & remove late payments reported & request an update of my account status to reflect a positive payment history. 

According to the Fair Credit Reporting Act ( 15 USC 1681a ), I have the right to dispute inaccurate information in my credit report. Additionally, under 15 USC 1666b regarding the timing of payments, it is clear that I have never made a late payment on my account. My records indicate that all payments have been made promptly and within the required timeframes. 

Furthermore, 15 USC 6802 emphasizes the importance of maintaining accurate records and protecting consumer information. The erroneous late payment notation not only misrepresents my creditworthiness but also violates these regulations. 

Given this context, I kindly request that you review my account history and correct any inaccuracies related to late payments. I appreciate your attention to this matter and look forward to your prompt response confirming the update of my account status. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NC

Complaint narrative:
I am writing to formally dispute the Negative items & remove late payments reported & request an update of my account status to reflect a positive payment history. 

According to the Fair Credit Reporting Act ( 15 USC 1681a ), I have the right to dispute inaccurate information in my credit report. Additionally, under 15 USC 1666b regarding the timing of payments, it is clear that I have never made a late payment on my account. My records indicate that all payments have been made promptly and within the required timeframes. 

Furthermore, 15 USC 6802 emphasizes the importance of maintaining accurate records and protecting consumer information. The erroneous late payment notation not only misrepresents my creditworthiness but also violates these regulations. 

Given this context, I kindly request that you review my account history and correct any inaccuracies related to late payments. I appreciate your attention to this matter and look forward to your prompt response confirming the update of my account status. 

Thank you for your cooperation. 

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 2025-04-20 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Birth: XXXX XXXX XXXXDate: XXXXEquifax Information Services LLCXXXX XXXX XXXX XXXX XXXX XXXXDear Sir/Madam:\nUpon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit reportXXXXIncorrect Information to Be RemovedXXXXIncorrect Address(es): XXXX XXXX XXXX XXXX XXXX XXXXIncorrect Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXorrect Information to Be ReportedXXXXFull Name: AXXXX XXXX XXXX XXXXCorrect Date of Birth: XXXXCorrect Social Security Number: XXXXCorrect Address: 1XXXX XXXX XXXX XXXX XXXX XXXX  have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my reportXXXXAdditionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activitiesXXXXRequest for Investigation and Procedures\nPursuant to Section XXXX(a)XXXX)(B)(XXXX of the Fair Credit Reporting Act (FCRA), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigationXXXXAdditional Request\nPlease note that any automated response generated through the XXXX  system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.XXXX also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided aboveXXXXRequest for CorrectionXXXX XXXXequest that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX days, as required by lawXXXXThank you for your attention to this matter. I look forward to your prompt responseXXXXSincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief