vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Dispute Related to Social Security Breach under 15 U.S.C. 6801 Dear Credit Bureau, CFPB I am writing to formally dispute inaccuracies in my Social Security account that I believe have resulted from the breach that occurred in XXXX. 

The breach has led to unauthorized access to my personal information, which is a violation of the privacy provisions outlined in 15 U.S.C. 6801. This statute emphasizes the necessity for financial institutions and other entities to safeguard consumers private information and to notify affected individuals in the event of a breach. 

As a victim of this breach, I am requesting a thorough investigation into my account and the immediate correction of any discrepancies that may have arisen due to unauthorized access. 

Attached are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 


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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have a problem with Fifth Third bank on my Momentum checking ending XXXX, they started to charge me monthly {$5.00} since the beginning of XXXX, with no notice and warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request under FDCPA, FCRA, and Regulation F To Whom It May Concern, I am writing in response to an account you are reporting on my credit report with XXXX XXXX XXXX  in the amount of {$690.00}. I dispute the validity and accuracy of this alleged debt and hereby exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Regulation F to request full validation and proper documentation.

Please provide the following : 1. Validation of Debt including the amount, original creditor, and detailed breakdown.

2. Copy of the Original Contract bearing my signature.

3. Proof of Chain of Custody/Ownership from the original creditor to LVNV Funding LLC .

4. Proof of Transfer or Assignment of the debt, including dates and documentation.

5. Notice of Debt sent to me as required by 15 U.S. Code 1692g.

I never received proper notice from the original creditor that this account was sold, nor have I received a 1099-C form, which calls into question the legitimacy and reporting of this account.

Additionally, I do not recall authorizing your company to report this debt to the credit bureaus. Therefore, I also request your authority and permissible purpose for furnishing this account to XXXX XXXX XXXX  under 15 U.S. Code 1681b.

Until these items are fully provided, please consider this account disputed and cease all collection activity, including reporting to the credit bureaus, in accordance with the law. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.

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 2025-06-25 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:
I submitted a formal Identity Theft dispute to Equifax on XX/XX/XXXX, regarding fraudulent accounts in my credit report : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Despite providing Equifax with proper identity theft documentation ( including an FTC Identity Theft Report, ( FTC REPORT XXXX XXXX : XXXX and FTC REPORT NUMBER XXXX : XXXX ) government-issued ID, and proof of address ), Equifax failed to permanently block these accounts within the required four business days under FCRA 1681c-2 ( a ). 
Further, accounts that were previously deleted have been reinserted into my credit report without providing the legally required five-day reinsertion notice, violating FCRA 1681i ( a ) ( 5 ) ( B ). 
I requested a detailed explanation of the dispute investigation methods as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) but Equifax has not provided this information. 
I have reason to believe Equifax is relying solely on creditor responses submitted through the e-OSCAR system without obtaining or reviewing the original signed contracts that would substantiate these accounts. This process does not satisfy Equifaxs legal obligation to conduct a reasonable investigation under the FCRA. IF EQUIFAX CAN NOT OBTAIN THE ORIGINAL SIGNED CONTRACT FOR THESE ACCOUNTS, ALONG WITH EVIDENCE INDICATING THAT I SIGNED DISCLOSURES AUTHORIZING THE RELEASE OF THIS INFORMATION TO THIRD PARTIES WHICH SUPPORTS THE CONCLUSIONS OF THE INVESTIGATION, THEN THESE ACCOUNTS MUST BE PERMANENTLY DELETED FROM MY CREDIT REPORT AS UNVERIFIABLE. 
Supporting Evidence : FTC Identity Theft Report Government-issued ID Proof of Address Dispute letters and Experians responses Thanks for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CO

Complaint narrative:
Square took almost XXXX weeks to verify account but still took money in meantime then after being verified, Square froze and disabled account and holding over XXXX for months, that they let be charged.

Due to, One transaction from a customer declined from their financial institution until customer approved, transaction was approved, square took the money and now is holding all transactions including that one for months! But they took their part of the money! I have to now buy my product out of personal account to ensure customers get what they bought, seems like fraud! Also square being flagged as fraud to other financial institutions does not look good for them! This is bad buisness!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-06-25 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:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

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 2025-06-25 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information on my credit report.

1. Unauthorized Inquiries : I am requesting the immediate removal of the following hard inquiries from my credit report : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not authorize either of these companies to access my credit report. I have no prior relationship or application for credit with them. Under FCRA Section 604, these inquiries must be backed by permissible purpose and my direct authorization. If such documentation can not be produced, they must be deleted immediately.

2. Incorrect Account : I am also requesting the removal of an incorrect account that does not belong to me and is being inaccurately reported. Please conduct a full reinvestigation and delete the account if it can not be fully verified in accordance with FCRA Section 611. 
Please ensure this dispute is not generically processed via e-OSCAR without a thorough review of the facts. I expect a response within 30 days as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

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 2025-06-25 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: GA

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

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 2025-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Vehicle had to be taken to be repaired multiple times over the last month which cost about {$1000.00} after tow fees and impound fees, XX/XX/XXXX field a extension agreement was told to make a partial payment prior to XX/XX/XXXX and received a late payment on credit XX/XX/XXXX. I contacted ally and was told I could not dispute the late payment after reviewing the account. The account became XXXX  days XX/XX/XXXX which was after the extension agreement was effective and they will not allow me to file the dispute with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: IL

Complaint narrative:
I asked Maury Cobb for account verification for a fake XXXX account and even asked them for a settlement amount just so I can get it off my credit report as its holding me up from getting my house loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am writing to formally dispute a collection account being reported by Radius Global Solutions with an open date of XX/XX/year> and a balance of {$910.00}. 

I do not recognize this debt and have not been provided proper validation or documentation regarding its origin or legitimacy. This collection account is negatively affecting my credit, and its accuracy is in question. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be : Investigated thoroughly Verified with full documentation Or immediately removed from my credit report if it can not be verified accurately

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