vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} Date Opened : XX/XX/year> XXXX XXXX * * * * Balance : {$39.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$110.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-09 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 late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-09 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 a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/year> I deposited a check from IRS that is written for me and my husband. Its put tax refund and its written to us both since its married filing. Chase accepted the check but said that funds will be available on XX/XX/year>. 

XX/XX/year> Funds were available, but they restricted my account saying they wanted a verified contact number for my husband. Gave them a number but said that they cant find it on their system. 

XX/XX/year> Changed phone number for my husband, gave it to chase. But then again, they cant verify it. I told them if I can go to a branch and provide necessary documents regarding the identity of mu husband and how we are related, they refused. 

XX/XX/year> They closed my account. Called them since I have loans on that account and how to pay it off, said that the only way is to lift the restriction. 

Now I dont know if XXXX ever get my money back again and I dont want my loan to be sent to collections since it would affect my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly

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 2025-05-09 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
1. The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-05-09 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Submitted to the CFPB on XX/XX/year> XXXX RE : Request for Method of Verification and Immediate Removal of Obsolete Address Dear Experian, This letter is in reference to your recent response regarding my dispute of an inaccurate and outdated address listed on my credit report. Your communication stated that the address was verified with a source ; however, you failed to provide any documented evidence or identifying details regarding that verification. 

In accordance with my rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) and 15 U.S. Code 1681i ( a ) ( 7 ), I am formally requesting : The name of the entity or data furnisher who verified the address. 
The name of the individual at that furnishing entity who confirmed the address. 
The date and time of the communication used in the verification. 
Any documents or records you obtained during your investigation to support this address being verified and still relevant to my current credit profile. 

If you can not provide this information in writing, as required by federal law, then you are obligated to delete the disputed address XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX from my credit report immediately. Continuing to report unverifiable or obsolete personal information is a violation of the FCRA, and I reserve the right to pursue further action, including formal complaints with the CFPB, FTC, and State Attorney General, as well as legal recourse for damages under 15 U.S. Code 1681n and 1681o. 

Please treat this as a final written demand and send me written confirmation of the removal within 15 days of receipt. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : 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 2025-05-09 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: MI

Complaint narrative:
I am submitting this formal complaint to report that my personal and financial information has been compromised and mishandled in a manner that constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ). As a federal student loan borrower, I have discovered that sensitive data connected to my identity and educational financial aid was either accessed, shared, or reported without proper protections or consent. 

This breach of privacy has resulted in : Unverified derogatory marks on my credit reports from multiple student loan servicers ( specifically, XXXX XXXX XXXXXXXX XXXX Incorrect reporting of late payments despite my loans being in approved deferment/forbearance or other protected statuses Damage to my credit profile without any due process or resolution from the servicers I have attempted to correct these inaccuracies by submitting disputes to Equifax, Experian, and TransUnion. However, despite pointing out multiple inconsistencies, unverified entries, and outdated personal data, no resolution has been provided. My credit has been negatively impacted, and I believe this stems from a deeper systemic failure to protect my private educational records. 

Violations Identified : FERPA Violation : Mishandling of educational financial data, including exposure of PII to third-party reporting agencies without proper disclosure or oversight. 
FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate or unverifiable information 15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation 15 U.S.C. 1681b : Unauthorized access/inquiries to my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
I have submitted XXXX disputes about the same collection account to Experian and they refuse to fully look into it. After the second dispute, XXXX XXXX sent a summary from XXXX XXXX XXXX that showed an address that I had never lived at. On the third dispute I pointed that out and questioned why they have not fully looked into this account when I have disputed it in the past and the results of the third dispute came in today, XX/XX/year>, as the same as the other XXXX. I have never had an XXXX XXXX XXXX  mobile account and never lived at the address XXXX XXXX XXXX had on file for the account. My mobile servicer is XXXX. There must have been an ID to make this purchase and that has not been provided and why was XXXX XXXX XXXX allowing this purchase to occur without doing any due diligence when the address was no where near where I live. If it was done online then they should have forced the person to come into the store to complete the purchase to match the ID to the person because it sure as XXXX wouldnt have matched.

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 2025-05-09 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 file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: PA

Complaint narrative:
While checking my credit report, I saw a collection on my record from XXXX XXXX. I called them multiple times to see who do I owe the money but never received a response from them despite leaving numerous messages. I never received any email or mail asking me to pay any debt/invoice so I have no idea what this amount is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CO

Complaint narrative:
I was frauded on a property and I had paid the people out of my chime account and that was on XX/XX/XXXX th I have been trying to get my money back through chime since then and there is a active police report and everything I have all the paper work to back up my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
These requests appear to be unauthorized and perhaps fraudulent, and I am not aware of them. I ask that this issue be resolved right away. For more information, please read the materials that are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-09 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: VA

Complaint narrative:
This card was used for medical bills therefore it is classified as a medical bill. The laws changed in XX/XX/2025. This adverse information can not be reported on my credit record as this card was used for medical bills and medical bills

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cashapp reverses all payment attempts when I choose to use XXXX XXXX which forces me to use my checking account balance or a more expensive platform. This also cuts me out of any legal recourse should a vendor not perform or fulfill it's contract. They also refuse to reverse a mistake payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My credit reports are showing a credit card from Comenity Capital Bank in XXXX. The names on the account are XXXX XXXX and XXXX XXXX. According to Comenity the account was opened in the XXXX 's by XXXX and XXXX was added to account within the last 4 years. My wife 's name is XXXX, but she is XXXX XXXX XXXX and has been in a XXXX XXXX  for almost 20 years. We live in XXXX, XXXX  and do not know anyone from XXXX. The only XXXX XXXX I know of was an uncle who dies 50 years ago. I was recently turned down for a home equity loan because this credit card is showing on all 3 of my credit reports. After speaking with a rep from Comenity, I sent a copy of the court papers making me my wife 's legal guardian. I asked them to dispute the fact that this account has anything to do with me and to have it removed from my credit reports. Have not received anything as yet, and now the reports are saying that the status of the acccount is written off, which I was advised was worse than just having late payments. I would very much like to have this taken care of.

Company response to consumer: Closed with explanation