vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: Advanced Resolution Services Inc.
State: TN

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me.

The accounts in question are as follows : 1 Account name : XXXX XXXX XXXXXXXX XXXX Account balance : {$10000.00} Date opened : XX/XX/year> Account type : Installment Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe. As required by law, I am including the following documents to support my claim : 1.A copy of a valid government-issued photo ID 2.A copy of a utility bill or other proof of address 3.FTC Identity Theft Report ( if applicable ) 4.A written statement asserting that these accounts are the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : 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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  XXXX - Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX  - Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX/ - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX & XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : 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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  XXXX - Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX  - Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX/ - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX & XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: OH

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Requested validation of debt XX/XX/year> via XXXX XXXX. " Under the Fair Debt Collection Practices Act, I am requesting that you provide full validation of this alleged debt. Please provide documentation that verifies the amount, the original creditor, and your legal right to collect this debt. I also request a copy of the original agreement bearing my signature. ''

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

Complaint narrative:
Subject : Urgent Dispute of Inaccurate Child Support Charge-Off Reporting To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) concerning an item reported on my Experian credit report regarding child support. The account is currently listed as a charge-off, which is false, misleading, and harmful. 
Under 15 U.S. Code 1681e ( b ), Experian is legally required to follow reasonable procedures to ensure the maximum possible accuracy of information reported. Classifying child support as a consumer debt charge-off is a violation of that duty. 
Moreover, per 15 U.S. Code 1681i, I am entitled to a reinvestigation of any item I dispute.

I hereby request that Experian : 1. Immediately delete or reclassify this account if it can not be verified as a valid credit debt.

2. Provide the full name of the furnisher, method of verification, and source of the charge-off classification.

3. Cease reporting this item as a derogatory credit event if it is derived from a government obligation, not consumer credit. 
The current listing is not only incorrect it has severely impacted my life, causing : * Denial of housing * Rejection from credit card issuers * Emotional and mental stress due to perceived delinquency I expect a full response and resolution within 30 days as required by law.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Urgent Dispute of Inaccurate Child Support Charge-Off Reporting To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) concerning an item reported on my Experian credit report regarding child support. The account is currently listed as a charge-off, which is false, misleading, and harmful. 
Under 15 U.S. Code 1681e ( b ), Experian is legally required to follow reasonable procedures to ensure the maximum possible accuracy of information reported. Classifying child support as a consumer debt charge-off is a violation of that duty. 
Moreover, per 15 U.S. Code 1681i, I am entitled to a reinvestigation of any item I dispute.

I hereby request that Experian : 1. Immediately delete or reclassify this account if it can not be verified as a valid credit debt.

2. Provide the full name of the furnisher, method of verification, and source of the charge-off classification.

3. Cease reporting this item as a derogatory credit event if it is derived from a government obligation, not consumer credit. 
The current listing is not only incorrect it has severely impacted my life, causing : * Denial of housing * Rejection from credit card issuers * Emotional and mental stress due to perceived delinquency I expect a full response and resolution within 30 days as required by law.

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 2025-06-06 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 have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-06 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: TX

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 
1681c-2 ( a ) ), I demand blocking and deletion within 4 days : 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 Address : XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$21000.00}

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 2025-06-06 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: TX

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 
1681c-2 ( a ) ), I demand blocking and deletion within 4 days : 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 Address : XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX suspended my account, which later turned into a restriction. When I called their customer service, they told me to wait XXXX weeks for a resolution. After this, I decided to email their support and was greeted with instructions to submit my bank statements from my current checking account ( XXXX  XXXX XXXX ). I did that. But then robinhood asked me for a bank statement for a checking that I closed XXXX months ago ( XXXX XXXX ) as well as proof of XXXX debit cards i certainly don't own anymore ( and that I removed from robinhood ages ago ). I emailed them back, saying that I dont have access to that bank account statements or debit cards anymore, but XXXX demands recent statement proof of both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
I am writing to file a serious and urgent complaint against XXXX, a merchant processing company I used to accept auto-drafted payments from clients through my business, XXXX XXXX XXXX 

Between XXXX and XX/XX/year>, XXXX withheld a total of {$14000.00} from my merchant account without any legitimate justification. After weeks of silence, they sent me a letter stating that my account was at risk of being placed into Backup Withholding ( BUW ) due to a mismatch between their records and IRS information. The issue they claimed? My business addresswhich I corrected immediately. 

However, instead of releasing my funds, XXXX informed me that the money had already been withheld by the IRS. That claim turned out to be completely false. 

Over the course of nearly two years, I have contacted the IRS multiple times, and they have clearly stated they did not withdraw these funds, they do not have them, and they do not withhold money from merchant accounts without formal notice and due process. Furthermore, XXXX issued me a 1099-K tax form showing the withheld income, which I submitted to the IRS. Even with the 1099-K, the IRS confirmed they never received these funds. 

In other words : XXXX withheld {$14000.00} and falsely blamed the IRS XXXX IRS confirmed in writing and over the phone that they have no record of the funds CardConnect continues to deny holding the money, despite issuing a 1099-K for income I never received No one at XXXX  or XXXX XXXX  can give a straight answer, and calls are routinely dropped or rerouted This isnt a technical glitch or a clerical errorthis is blatant financial misconduct. I have made every effort to resolve this through the proper channels, but XXXX has been evasive, unresponsive, and disrespectful throughout this process. They have essentially stolen nearly {$15000.00} from a small business owner and tried to cover it up by passing blame to the IRS. 

I am prepared to escalate this further to the Federal Trade Commission, the Consumer Financial Protection Bureau, the IRS XXXX XXXX XXXX, and my legal counsel if necessary. I have all documentation and communications on file, and I am done being patient. 

This is financial abuse of small businesses, and it must be stopped.

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

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : 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 Address : XXXXXX/XX/XXXXXXXX XXXX NY XXXX Please delete and block the following accounts from my credit report AccountsXX/XX/XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00XX/XX/XXXXAccount NumberXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XX/XX/XXXX - Account Number :XX/XX/XXXXDate Opened : XX/XX/XXXX, Balance : {$03.00} Inquiries XX/XX/XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : 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 Address : XXXXXX/XX/XXXXXXXX XXXX NY XXXX Please delete and block the following accounts from my credit report AccountsXX/XX/XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00XX/XX/XXXXAccount NumberXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XX/XX/XXXX - Account Number :XX/XX/XXXXDate Opened : XX/XX/XXXX, Balance : {$03.00} Inquiries XX/XX/XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I received a call from someone claiming to be from discover bank saying there were pending wire transfers on my account and did I want to proceed. They needed to verify my identity to cancel the transfers. I was texted links that took me back to the discover app to verify my id so I did. I would not have given out information to this person had the text not contained links that took me into the discover application on my phone prompting me for my username and password. This is what made me think it was really the bank and not a scam. Then I looked at my balance the next day and saw that {$63000.00} had been wired out of my account. I called discover immediately to report the fraud and request that they initiate a wire recall. They have initiated the recall but I have not heard anything and my money is gone. I have also filed a claim with the fbi ic3.

Company response to consumer: Closed with explanation