vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ XXXX  ] ) verifying that I am a victim of identity theft and that the The above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account Jefferson Capital # XXXXXXXX XXXX XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I first started depositing funds into my XXXX account in XX/XX/XXXX and continued until XX/XX/XXXX. The total amount deposited was approximately {$60.00} to {$69000.00}, which was subsequently used to purchase XXXX and then transferred to an online platform engaged in illegal XXXX. 

I was unaware that my funds would be used for illegal purposes at the time of deposit. Once I discovered this, I promptly contacted Bank of America and disputed the transactions. 

Bank of America issued temporary credits on three of my disputes but refused to process disputes on additional transactions, despite the fact that the underlying activity was illegal and violated federal law ( including the Unlawful Internet Gambling Enforcement Act and Regulation E ). 

I am requesting a full refund of all transactions tied to the illegal gambling activity, as well as a full investigation into Bank of America 's and XXXX 's compliance with federal consumer protection regulations.

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 2025-04-28 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. Please provide the names and business addresses of each individual with whom you verified the above information so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Issue : Incorrect information and failure to properly investigate a dispute. 

Details : I am filing this complaint because the credit bureau listed an incorrect address for collection agency XXXX XXXX XXXX. Based on the incorrect information they provided, I attempted to send a dispute on XX/XX/year>. 

However, my dispute was returned undeliverable due to the wrong address listed on the credit report. 

This inaccuracy prevented my dispute from being properly received and processed. Despite being notified that my dispute was undeliverable, the credit bureau has failed to correct the address, investigate the dispute, or update the reporting.

This is a violation of my rig

hts under the Fair Credit Reporting Act ( FCRA ), specifically : 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy ; 1681i ( a ) Failure to properly investigate disputed information. I am requesting the following resolution : Immediate correction of the creditor/collectors address on my file ; Immediate reinvestigation of th
e disputed debt ; Deletion of the account if the creditor can not validate or respond properly ; A full copy of the corrected credit report sent to me physically and not by electronic email.

I am attaching evidence showing the returned mail and proof of the inaccurate address, if needed.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Issue : Incorrect information and failure to properly investigate a dispute. 

Details : I am filing this complaint because the credit bureau listed an incorrect address for collection agency XXXX XXXX XXXX. Based on the incorrect information they provided, I attempted to send a dispute on XX/XX/year>. 

However, my dispute was returned undeliverable due to the wrong address listed on the credit report. 

This inaccuracy prevented my dispute from being properly received and processed. Despite being notified that my dispute was undeliverable, the credit bureau has failed to correct the address, investigate the dispute, or update the reporting. 

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy ; 1681i ( a ) Failure to properly investigate disputed information. 

I am requesting the following resolution : Immediate correction of the creditor/collectors address on my file ; Immediate reinvestigation of the disputed debt ; Deletion of the account if the creditor can not validate or respond properly ; A full copy of the corrected credit report sent to me physically and not by electronic email. 

I am attaching evidence showing the returned mail and proof of the inaccurate address, if needed.

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 2025-04-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am filing a complaint regarding the reporting of inaccurate derogatory information by XXXX on my Experian credit report. 

I paid this account in full and disputed the negative payment history and derogatory status. Experian verified the account without properly investigating or correcting the negative history. 

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to maintain accurate and complete information. The continued reporting of derogatory marks on a fully paid account is misleading and unfairly damaging my credit profile. 

I am requesting the immediate deletion of the negative payment history associated with this account while accurately reporting it as paid in full with a current or closed positive standing. 

I request the CFPBs oversight to ensure this correction is made and Experian complies with the FCRA.

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 2025-04-28 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-28 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: NV

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which viloates the Cosumer Financial Protection Act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Act ( EFTA ) .Regulation E These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I do not recognize this account and it is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Issue : Incorrect information and failure to properly investigate a dispute. 

Details : I am filing this complaint because the credit bureau listed an incorrect address for collection agency XXXX XXXX XXXX. Based on the incorrect information they provided, I attempted to send a dispute on XX/XX/year>. 

However, my dispute was returned undeliverable due to the wrong address listed on the credit report. 

This inaccuracy prevented my dispute from being properly received and processed. Despite being notified that my dispute was undeliverable, the credit bureau has failed to correct the address, investigate the dispute, or update the reporting. 

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy ; 1681i ( a ) Failure to properly investigate disputed information. 

I am requesting the following resolution : XXXX correction of the creditor/collectors address on my file ; XXXX reinvestigation of the disputed debt ; Deletion of the account if the creditor can not validate or respond properly ; A full copy of the corrected credit report sent to me physically and not by electronic email. 

I am attaching evidence showing the returned mail and proof of the inaccurate address, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I have disputed online and via letters to the credit bureau and provided documentation which shows I paid the account, the account is current and the balance on my account is incorrect. I also reached out to XXXX which i was told that they did not report my account late to the credit bureau.

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 2025-04-28 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:
I have disputed online and via letters to the credit bureau and provided documentation which shows I paid the account, the account is current and the balance on my account is incorrect. I also reached out to XXXX which i was told that they did not report my account late to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX MORTGAGE XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Soja Management Services, LLC
State: FL

Complaint narrative:
I am writing to dispute a XXXX account on my credit report, first thing i wanted to bring to you attention is this account is listed without an account number which makes it impossible for XXXX to verify its validity or confirm if it belongs to me. Second matter is this is also being report as late when supposedly last reported in 2020, which makes no sense because previous notices were not received. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature, If not please delete this account which i can not even provide an account number for. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to formally express my concerns and dissatisfaction regarding the handling of a fraud incident reported on my checking account. 

Recently, I was the victim of unauthorized transactions conducted through XXXX, which I immediately reported to Ally Bank XXXX XXXX Department. After conducting an investigation, Ally Bank concluded that the case was not decided in my favor. However, in addition to the funds related to the fraudulent transactions, Ally Bank has also retained all of the remaining funds in my checking account funds that were not connected to any fraudulent activity. 

It has now been almost a month since I reported the incident, and despite numerous attempts to resolve this matter, I am still unable to access my legitimate, non-disputed funds. I find it unacceptable and unjust that my entire account balance continues to be withheld without clear explanation or resolution. 

I respectfully request the immediate release of the funds that were not involved in the XXXX fraud and a detailed explanation as to why my entire account has been frozen rather than only the disputed amount. 

If this matter is not resolved promptly, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and other regulatory bodies. 

I appreciate your immediate attention to this serious matter and expect a timely response.

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
At the beginning of the year I believe, I received a zelle notification that XXXX of my friend 's sent me {$100.00} and a few minutes later I received a called from from a random number asking me to send that money that my friend had just sent me to them. They claimed he send it by mistake to me instead of them. I called my friend and he told me he not to send anyone any money and that it was a scam. He called his bank and try to have the issue resolved. But in doing so the bank and zelle marked my account as fraudulent activity even though I did nothing wrong in the transaction. I called my bank and they told me they couldn't help only zelle could unblock my account. I contacted zelle and they told me they were not going to do anything else about the issue.

Company response to consumer: Closed with explanation