vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FORMAL DEMAND FOR REMOVAL OF INACCURATE LATE PAYMENT REPORTING UNDER 15 U.S. CODE 1681s2 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to demand the immediate deletion of the inaccurately reported late payment for the account listed below, as reflected on my credit report : Account Name : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Alleged Late Payment : [ XX/XX/year>, and XX/XX/year> ] Account Name : [ XXXX ] Creditor : [ XXXX XXXX XXXX XXXX ] Date of Alleged Late Payment : [ XX/XX/year> ] Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. The information being reported regarding this late payment is inaccurate, misleading, and in violation of federal law.

I formally dispute this late payment and demand that you investigate and remove the inaccurate data from all credit reporting agencies to which it was provided. I have attached supporting documents showing that this payment was not late and/or that the reporting is in error. You are legally obligated to conduct a thorough investigation and correct any inaccurate or incomplete information.

Be advised : if you fail to correct this information, you will be held liable under the Fair Credit Reporting Act ( FCRA ) and other applicable federal statutes. I am fully prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

I expect written confirmation of the deletion of the inaccurate information within 4 days of receipt of this letter. 

This is your formal notice. Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FORMAL DEMAND FOR REMOVAL OF INACCURATE LATE PAYMENT REPORTING UNDER 15 U.S. CODE 1681s2 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to demand the immediate deletion of the inaccurately reported late payment for the account listed below, as reflected on my credit report : Account 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 ] Date of Alleged Late Payment : [ XX/XX/year> ] Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. The information being reported regarding this late payment is inaccurate, misleading, and in violation of federal law.

I formally dispute this late payment and demand that you investigate and remove the inaccurate data from all credit reporting agencies to which it was provided. I have attached supporting documents showing that this payment was not late and/or that the reporting is in error. You are legally obligated to conduct a thorough investigation and correct any inaccurate or incomplete information.

Be advised : if you fail to correct this information, you will be held liable under the Fair Credit Reporting Act ( FCRA ) and other applicable federal statutes. I am fully prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

I expect written confirmation of the deletion of the inaccurate information within 4 days of receipt of this letter. 

This is your formal notice. Govern yourself 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I paid an old account off with XXXX on XX/XX/year>. The confirmation for the payment is XXXX. Today I received notification on experian report the balance is stilled owed. I want this corrected as payment has been made,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
It has come to my attention my personal information has been exposed in a natural data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have ask CRA 's for validation of debt however the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, The FTC complaint a copy of XXXX showing my information being exposed in a national data breach and a validation of debt letter.

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 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
15 U.S.C. 1692c, part of the Fair Debt Collection Practices Act ( FDCPA ), regulates debt collectors ' communication methods. Specifically, it addresses the timing and manner of communication, particularly in relation to the consumer 's right to dispute a debt. It also limits the use of certain communication techniques, such as communicating with third parties or at inappropriate times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: WY

Complaint narrative:
See below attachments which were also sent as letter to each bureau listed

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 2025-04-23 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: WY

Complaint narrative:
See below attachments which were also sent as letter to each bureau listed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I am a victim of identity theft and i want these accounts investigated & removed within the four business day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am unable to access my TransUnion credit report either via mail or online using XXXX. No report is generated.

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 2025-04-23 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: CA

Complaint narrative:
I was looking at my credit report and i saw 1 fraudulent inquiry. 

XXXX XXXX XXXX XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IN

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
On XX/XX/year>, I requested in a letter for Transunion to provide information regarding items on my credit report. On XX/XX/year>, they replied with a letter explaining that the investigation results had been verified and updated. Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting reliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer Accounts reported 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

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 2025-04-23 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: NY

Complaint narrative:
Good day, I am requesting to unfreeze and remove the security freeze that was added on my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
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 ci
rcumstances 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 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Adjustment Company Incorporated
State: MD

Complaint narrative:
15 U.S.C. 1692c, part of the Fair Debt Collection Practices Act ( FDCPA ), regulates debt collectors ' communication methods. Specifically, it addresses the timing and manner of communication, particularly in relation to the consumer 's right to dispute a debt. It also limits the use of certain communication techniques, such as communicating with third parties or at inappropriate times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Monday XX/XX/year> my account was overdrawn by {$1.00} On Tue. XX/XX/year> it went up to - {$27.00}. I deposited {$20.00} on XX/XX/year> and it brought the negative amount to - {$7.00}. This morning, Wednesday XX/XX/year> I checked the account, and it's now - {$74.00}. I called Regions Bank on my lunchtime to ask what was going on with the increasing overdraft fees, and the rep apologized and told me that by the time I get paid on Friday XX/XX/year>, that I'll owe them over {$200.00}! I asked for information on the increasing fees, and was told that she's not responsible and that corporate would have to be the people I'd need to speak with.

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 monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
You guys hired XXXX XXXX to repossess the car. During repossession they damaged the car. I paid to get the car back now it no longer drivable. I have provided substantial proof supporting my claims. Including proof that these guys at XXXX XXXX has intentionally submitted false photos of someone else car to XXXX XXXX as well CAC. However its going over looked. Now you guys are saying " they uploaded the wrong car ''. My car was NOT the first car XXXX XXXX has ever repossessed! That was no error and completely intentional. However its being over looked! CAC  iXXXX XXXX XXXX XXXX  and completely XXXX! Ever thing i have said to CAC has been over looked and not acknowledged, not even a little bit! However EVERYTHING that XXXX XXXX has said is just some how so accurate and truthful even though they have been caught in multiple lies. 

XXXX XXXX has found the liable for the damages. They actually investigated! CAC did not! All you guys have done is take everything i said, ASK XXXX XXXX is it true. Whatever their response you guys deemed it as valid and truthful! 

If i had not pointed out that my car was NOT on tow dolly. CAC would still be saying they have proof it was towed properly. Since that's a statement you guys stand behind it being towed properly! Provide me the consumer with the proof! 

A simple XXXX  search would let you guys know that car should not be pulled on its rear wheels. I sent proof of it being towed improperly. Yet XXXX XXXX has submitted nothing false photos. Still to this day CAC, XXXX XXXX OR MYSELF cant prove my car was ever on a tow dolly... 

XXXX getting an attorney, you guys are XXXX and full of greed! How can you expect me to pay for a car CAC and XXXX XXXX damaged! CAC hired these criminals now no one wants to accountability for the damages! 

The car was driven the day it was repossessed on XX/XX/year>. Now the car goes XXXX XXXX and doesn't even move.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app allowed me to buy {$3000.00} in bitcoin on their app. I tried to sell the bitcoin on XX/XX/XXXX. I entered all of my personal information as requested and the app said it did not match what was on file and locked my account. I have since spoken to XXXX representatives, and a manager via email. I am just receiving generic script responses. I tried to use their verification process in app, uploaded my state ID and took a live image of my face. They say it doesn't match. I entered my date of birth and social security number on the app and it says it doesn't match. I requested someone to help me verify that my info is indeed correct ( SSN and DOB ) no one will help me verify the account. I asked for a live security review with a real person to verify my account, they will not allow it. So at this point they have kept my account locked and I have no access to my money with no way to fix it. I was emailed by what was supposedly a manager but knew nothing on how to help me fix my account or verify it. It was just a scripted response. Now I got an email saying that if I sent my ID and face in one photo and list the correct info, that they would update the information. ( which is that my middle initial is wrong. It has a J but supposed to be an R ) so I did and they then said " We are unable to complete your request. Since it was created using someones elses info, you will need to close this account. '' It is my information, I sent and my ID and everything they asked for. I will not close the account with my {$3000.00} in it. So now I feel my money has been stolen and that maybe they should be fully verifying accounts before they allow people to invest in stocks/ trades/ crypto and banking services so this does not happen as you are trying to retrieve your money.

Company response to consumer: Closed with explanation