vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I believe that occurred in late XXXX or early XXXX. I was sending my Sun money via Zelle, who lives across the country. Again, I suffer from numerical XXXX, and when he did not receive the money, I contacted my bank and when they confirm the numbers of which I sent it to I told them that was incorrect that I had inverted the last two numbers and explained my XXXX. I requested that they please stop payment and re-issue to the correct phone number. At that time, I was told that unfortunately they were not able to do so and I just lost the money which was approximately {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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

I am very XXXX that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} Date Opened : XX/XX/year>2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : URGENT DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS UNDER 605B, 609B, UCC, FDCPA, and FCRA To Whom It May Concern, This is a formal notice and dispute under the Fair Credit Reporting Act ( FCRA ), UCC Code, FDCPA, and other consumer protection laws. I am a verified victim of multiple national data breachesmy personal and financial information has been compromised, resulting in fraudulent, misreported, and inaccurate accounts on my credit file.

Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) and Section 609 ( b ), I am demanding the IMMEDIATE removal of the following accounts. These accounts are inaccurately reported, contain outdated, false, or incomplete information, and were derived from systems that failed to safeguard my personal data : The following accounts must be deleted immediately : DEPTEDXXXX  XXXX {$8200.00} DEPTEDXXXX XXXX {$4100.00} DEPTEDXXXX XXXXXXXX {$4600.00} DEPTEDXXXX XXXXXXXX {$6000.00} DEPTEDXXXX XXXXXXXX {$4500.00} DEPTEDXXXX XXXX {$3900.00} DEPTEDXXXX XXXXXXXX {$5700.00} DEPTEDXXXX XXXXXXXX {$11000.00} DEPTEDXXXX XXXXXXXX {$5600.00} DEPTEDXXXX XXXX {$6300.00} DEPTEDXXXX XXXXXXXX {$3300.00} DEPTEDXXXX XXXXXXXX {$4600.00} DEPTEDXXXX XXXXXXXX {$10000.00} DEPTEDXXXX XXXX {$4300.00} XXXX XXXX {$7500.00} XXXX XXXX XXXXXXXX {$4400.00} Collections : XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX XXXX {$220.00} Charge-Off : XXXX  XXXX {$0.00} These accounts are NOT reporting consistently across the three major credit bureaus, which is a direct violation of 15 U.S. Code 1681e ( b ). Per federal law, all reported data must be accurate, verifiable, and consistent across all consumer reporting agencies.

You are hereby instructed : DO NOT use the E-Oscar system or any automated template responses.

Investigate manually as required by law.

Do not reinsert any of the accounts after deletion without full legal validation and written notice, as outlined in 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

You have 4 days from receipt of this letter to remove these accounts or I will pursue legal remedies for each violation.

As public record shows, TransUnion has been sued repeatedly in recent years for failure to remove inaccurate and fraudulent data. I will not hesitate to join or initiate future legal action if this matter is not resolved immediately.

Attached are copies of my ID and a list of all inaccurate accounts showing inconsistencies across credit bureaus. This serves as legal notice. Govern yourselves accordingly. 

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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MO

Complaint narrative:
2 deposit on an account XXXX was my advance loan Second deposit is on XXXX XXXX the rest of my funds this is XXXX XXXX  than that I can't access for 2 year 's

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

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

I am very XXXX  that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} Date Opened : XX/XX/year>2020.

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 2025-06-14 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-06-14 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : URGENT DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS UNDER 605B, 609B, UCC, FDCPA, and FCRA To Whom It May Concern, This is a formal notice and dispute under the Fair Credit Reporting Act ( FCRA ), UCC Code, FDCPA, and other consumer protection laws. I am a verified victim of multiple national data breachesmy personal and financial information has been compromised, resulting in fraudulent, misreported, and inaccurate accounts on my credit file.

Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) and Section 609 ( b ), I am demanding the IMMEDIATE removal of the following accounts. These accounts are inaccurately reported, contain outdated, false, or incomplete information, and were derived from systems that failed to safeguard my personal data : The following accounts must be deleted immediately : DEPTEDXXXX XXXXXXXX {$8200.00} XXXX {$4100.00} XXXX {$4600.00} XXXX {$6000.00} XXXX {$4500.00} XXXX {$3900.00} XXXX {$5700.00} XXXX {$11000.00} XXXX {$5600.00} XXXX {$6300.00} XXXX {$3300.00} XXXX {$4600.00} XXXX {$10000.00} XXXX {$4300.00} XXXX XXXX {$7500.00} XXXXXXXX XXXX XXXXXXXX {$4400.00} Collections : XXXX XXXX XXXX XXXXXXXX {$91.00} XXXX XXXX XXXX XXXX {$220.00} Charge-Off : XXXX XXXX {$0.00} These accounts are NOT reporting consistently across the three major credit bureaus, which is a direct violation of 15 U.S. Code 1681e ( b ). Per federal law, all reported data must be accurate, verifiable, and consistent across all consumer reporting agencies.

You are hereby instructed : DO NOT use the E-Oscar system or any automated template responses.

Investigate manually as required by law.

Do not reinsert any of the accounts after deletion without full legal validation and written notice to me, as outlined in 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

You have 4 days from receipt of this letter to remove these accounts or I will pursue legal remedies for each violation.

As public record shows, Equifax has been sued in recent years for failure to remove inaccurate and fraudulent data, and I will not hesitate to join future legal action if this matter is not resolved immediately.

Attached are copies of my ID and a list of all inaccurate accounts showing inconsistencies across credit bureaus. 
This serves as legal notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
b'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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXXDEPTEDNELNET XXXX  Date OpenedXXXX XXXX  Balance XXXX        \nDEPTEDNELNET XXXX Date Opened: XXXX Balance: XXXXDEPTEDNELNET XXXX Date Opened: XXXX Balance: XXXXDEPTEDNELNET XXXX  Date Opened: XXXX  Balance:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\nUnder 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. Ceaseanddesistasap.'

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 2025-06-14 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : URGENT DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS UNDER 605B, 609B, UCC, FDCPA, and FCRA To Whom It May Concern, This is a formal notice and dispute under the Fair Credit Reporting Act ( FCRA ), UCC Code, FDCPA, and other consumer protection laws. I am a verified victim of multiple national data breachesmy personal and financial information has been compromised, resulting in fraudulent, misreported, and inaccurate accounts on my credit file.

Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) and Section 609 ( b ), I am demanding the IMMEDIATE removal of the following accounts. These accounts are inaccurately reported, contain outdated, false, or incomplete information, and were derived from systems that failed to safeguard my personal data : The following accounts must be deleted immediately : DEPTEDXXXX XXXXXXXX {$8200.00} DEPTEDXXXX XXXXXXXX {$4100.00} DEPTEDXXXX XXXXXXXX {$4600.00} DEPTEDXXXX XXXXXXXX {$6000.00} DEPTEDXXXX XXXXXXXX {$4500.00} DEPTEDXXXX XXXXXXXX {$3900.00} DEPTEDXXXX XXXXXXXX {$5700.00} DEPTEDXXXX XXXXXXXX {$11000.00} DEPTEDXXXX XXXXXXXX {$5600.00} DEPTEDXXXX XXXXXXXX {$6300.00} DEPTEDXXXX XXXXXXXX {$3300.00} DEPTEDXXXX XXXXXXXX {$4600.00} DEPTEDXXXX XXXXXXXX {$10000.00} DEPTEDXXXX XXXXXXXX {$4300.00} XXXX XXXX {$7500.00} XXXXXXXX XXXX XXXXXXXX {$4400.00} Collections : XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX XXXX {$220.00} Charge-Off : XXXX XXXXXXXX {$0.00} These accounts are NOT reporting consistently across the three major credit bureaus, which is a direct violation of 15 U.S. Code 1681e ( b ). Per federal law, all reported data must be accurate, verifiable, and consistent across all consumer reporting agencies.

You are hereby instructed : DO NOT use the E-Oscar system or any automated template responses.

Investigate manually as required by law.

Do not reinsert any of the accounts after deletion without full legal validation and written notice to me, as outlined in 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

You have 4 days from receipt of this letter to remove these accounts or I will pursue legal remedies for each violation.

As public record shows, Experian has been sued in recent years for failure to remove inaccurate and fraudulent data, and I will not hesitate to join future legal action if this matter is not resolved immediately.

Attached are copies of my ID and a list of all inaccurate accounts showing inconsistencies across credit bureaus.

This serves as legal notice. Govern yourselves accordingly. 

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 2025-06-14 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I got scammed out of {$600.00}, did not receive the product. It was a camera bought through XXXX, and i even have the screenshots of the purchase. Not only the purchase but the screenshots of the person scamming me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MPOWER Financing, Public Benefit Corporation
State: OH

Complaint narrative:
In XX/XX/XXXX, I took the necessary steps to cancel the second disbursement of my student loan with MPOWER Financing. I did this by ( 1 ) submitting the cancellation through the MPOWER borrower portal, ( 2 ) sending a follow-up email, and ( 3 ) making a phone call to confirm. Additionally, my school placed an official cancellation request on XX/XX/XXXX. 

Despite these clear and timely actions, MPOWER proceeded to disburse the second loan installment to my school in XX/XX/XXXX. This occurred due to MPOWERs failure to complete the cancellation process on their end, not due to any inaction on mine. 

From XX/XX/XXXX through XX/XX/XXXX, I consistently paid the correct monthly installment of {$380.00}, aligned with the disbursement I had accepted. I never missed or defaulted on these payments. 

However, after MPOWER wrongly disbursed the second installment, my account was incorrectly updated to reflect a higher monthly payment of {$770.00}, as if I had accepted the full loan amount. This error caused confusion in XX/XX/XXXX. Despite this, I still paid {$200.00} in XXXX, with only {$180.00} remaining outstanding. 

As of XX/XX/XXXX, my payment obligations are : {$180.00} outstanding for XX/XX/XXXX {$380.00} for XX/XX/XXXX {$380.00} due on XX/XX/XXXX I have communicated these issues to MPOWER several times, yet I continue to receive threatening messages that my loan will go into default and be sent to collections unless the XXXX balance is paid all while the root cause of the issue remains their error. 

Worse, this mishandling has already severely damaged my credit score, dropping it from XXXX to below XXXX, despite my consistent payment history prior to this error. 

This situation has caused serious financial and reputational harm. I am seeking correction of my account, reversal of any inaccurate credit reporting, and an immediate stop to threats of default until this dispute is fairly resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief