vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC
identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

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

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 2025-05-23 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: GA

Complaint narrative:
TO : CFPB RE : Notice to Correct Credit Report Pleas consider this a formal request to investigate and correct the following inaccurate items on my credit report a Chapter XXXX Bankruptcy issued by TRANSUNION Credit Reporting Agency. Also XXXX  XXXX Account # XXXX * * * * which the account number is listed incomplete. 
Pursuant to XXXX USC XXXX owe no debt. This company is violating my consumer right to privacy pursuant to XXXX USC XXXX. This item must be removed to show my true credit history. I make this request pursuant to XXXX USC section XXXX of the Fair Credit Reporting Act of 1997. As a requirement of the Act, I demand that you re-verify this and that the inaccurate item be deleted from my report. Am writing to dispute the accuracy of information thats on my credit report. According to the Fair Credit Reporting Act ( XXXX  ) section XXXX. It is illegal to report information on my credit report without my permission which I have not given nor authorized which also violates my consumer rights pursuant to XXXX USC XXXX USC XXXX B, XXXX USC XXXX XXXX,. Please remove the inaccurate Chapter XXXX Bankruptcy immediately from my record as well as Update The Late payments on the XXXX  XXXX Account # XXXX * * * * to PAANL ( paid as agreed never late ) FCRA XXXX Pursuant to XXXX XXXX XXXX XXXX Pursuant to XXXX XXXX XXXX XXXX Pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to XXXX USC CODE XXXX Pursuant to XXXX USC CODE XXXX XXXX Under the CRA you have XXXX  days to from receipt of this letter to re-verity this entry. 
According to the law failure to comply with the law constitutes reason to drop the information from my file. Also XXXX USC section XXXX ( d ) requires that you notify me when the item has been deleted. Under XXXX USC XXXX there should be no charge for the corrected copy of my report. Finally please send me the names and addresses of all individuals you contacted so that I may follow us with them directly as well as all methods of validation. Thank you for your assistance in this matter. 
Sincerely,

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 2025-05-23 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: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit score from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records.

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 2025-05-23 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-05-23 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: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXXXXXX 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 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Block, Inc.
State: MS

Complaint narrative:
The keep charging a late fee of {$3.00} every week until the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: NJ

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 explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I receive an IRS reimbursement of $ XXXX and the bank investigator froze my account starting XX/XX/XXXX. PNC is alleging this is not my money and they have to investigate. I have called and visited the branch and they were not able to give me any information, On XX/XX/XXXX my payroll payment went in my account and I was not able to use my money because of the account being frozen, It took the bank personell three days to get the investigator to open my account so my payroll deposit can be withdrawn in cash and give it to me. I have been contacted by my creditors about the automatic payments already set-up in my bank account not been honored and returned. I am going through a lot of stress, sleepless nights and disruption on my work day unable to perform my duties. A XXXX XXXX XXXX XXXX, XXXX Client Relations XXXX, PNC bank, PNC Certified XXXXXXXX XXXX XXXX contacted me because the bank XXXX placed a complaint against their XXXX and he promised to look into the wrong doing of this person and contact me by today Friday, XX/XX/XXXX, but I haven't received any calls nor emails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up 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 these accounts 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 XXXX, DE XXXX Please delete and block the following accounts from my credit report Accounts Inquiries 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

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 2025-05-23 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: DE

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up 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 these accounts 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 XXXX, DE XXXX Please delete and block the following accounts from my credit report Accounts Inquiries 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint because Venmo is refusing to properly investigate a series of unauthorized transactions totaling {$2400.00} and is now demanding I pay off a negative balance before they will even review my fraud case. 

The disputed transactions : - XX/XX/XXXX {$700.00} to XXXX XXXX - XX/XX/XXXX {$700.00} to XXXX XXXX - XX/XX/XXXX {$240.00} to XXXX XXXX - XX/XX/XXXX {$800.00} to XXXX XXXX These payments were unauthorized, and I filed a fraud claim with Venmo, supported by documentation including : - A police report from the XXXX XXXX XXXX Department - An FBI XXXX complaint - Explanation of the fraud and how it was unauthorized I did not have enough funds in my Venmo account at the time of the XXXX XXXX transactions. Venmo sent the money on my behalf, which caused my account to go {$1600.00} into the negative. These transactions should have never gone through, and I should not be held responsible for money Venmo advanced during fraud. 

Despite this, Venmo has : - Never provided a formal decision for the XXXX XXXX transactions I received no denial letter, no explanation, and no evidence of their review. 

- Only denied the dispute for the {$800.00} XXXX XXXX XXXX. 

- Sent XXXX conflicting emails on XX/XX/XXXX : XXXX stating my account was partially unfrozen, and another saying my account is still frozen unless I pay the negative balance before theyll even review my claim. 

This is unfair and beyond unacceptable. Venmo is : - Failing to resolve fraud disputes transparently - Holding me financially liable for unauthorized activity they approved and funded - Requiring me to repay money I never authorized them to send

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NOVA Financial Holding Company, LLC
State: AL

Complaint narrative:
I am filing this complaint Nova Home Loans for repeated violations of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ) and 12 CFR 1024.36, regarding my mortgage loan ( XXXX XXXX XXXX, property in Alabama ). 

Issue : Nova Home Loans has failed to provide securitization details for my loan despite three Qualified Written Requests ( QWRs ). I requested the mortgage-backed securities ( MBS ) trust name and CUSIP number to track my loan in the secondary market, as I am entitled to under RESPA. 

Details of Noncompliance : Their first response ( XX/XX/XXXX ) confirmed receipt of the first QWR, but failed to provide more information. 

Their second response ( XX/XX/XXXX ) confirmed receipt of the second QWR, but refused to provide securitization details, claiming the information is considered privileged, confidential, or proprietary. 

As of today, XX/XX/XXXX, the third QWR sent XX/XX/XXXX, has failed to get a response, exceeding the 5 business day period of acknowledging receipt. 

Under RESPA, servicers must provide ownership-related information, including securitization details, when requested via a QWR, unless theres a specific legal exemption ( which they have not provided ). Courts have upheld that borrowers are entitled to this information ( e.g., XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). XXXX XXXX repeated refusals violate RESPA. 

Resolution Sought : I request that the CFPB compel Nova Home Loans to provide : Whether my loan is in an MBS pool or trust. 

The trust name ( e.g., XXXX XXXX XXXXXXXX XXXX ), the Pool number, and the CUSIP number. 

The trustees name and contact information. 

I have attached my three QWRs and Novas responses as evidence. Thank you for your assistance in resolving this matter.

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 2025-05-23 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: AZ

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items 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 Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries 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 2025-05-23 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: AZ

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items 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 Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under XXXX U.S. Code XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX U.S. Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Transunion Account XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account XXXX XXXX Account number XXXX Date opened XX/XX/XXXX EXPERIAN EXPERIAN Account XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account XXXX  Account number XXXX Date opened XX/XX/XXXX Account XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account XXXX  CARD Account number XXXX Date opened XX/XX/XXXX Account XX/XX/XXXXAccount number XXXX Date opened XX/XX/XXXX Account XXXX  XX/XX/XXXXAccount number XXXX Date opened XX/XX/XXXX Account XXXX  CARD Account number XXXX Date opened XX/XX/XXXX EQUIFAX EQUIFAX Account XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account XXXX  Account number XXXX Date opened XX/XX/XXXX Account XXXX  XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief