vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : 605C Dispute Request for Removal of Fraudulent Information Due to Identity Theft ( Equifax Data Breach ) To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate and fraudulent information from my credit report, as authorized under Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, which I believe is directly related to the Equifax data breach that occurred in XXXX, exposing the sensitive personal information of millions of Americans.Due to this breach, I believe unauthorized accounts and/or inquiries XXXX have been made using my personal information without my knowledge or consent. I am requesting that the following items be investigated and removed from my credit report : [ List each disputed item here, including : XXXX XXXX XXXX XXXX {$1500.00} opened XXXX, XXXX XXXX # XXXX {$2400.00} opened XXXX, XXXX XXXX # XXXX {$350.00} opened XXXX Reason for dispute ( e.g., 'This account was fraudulently opened without my authorization.Enclosed Documents : To support my claim and in compliance with the FCRA requirements under Section 605C, I have enclosed the following documentation:1. A copy of a valid government-issued photo ID2. A copy of a recent utility bill or bank statement to verify my address3. A copy of the Identity Theft Report, which includes a police report or FTC Identity Theft AffidavitUnder Section 605C, you are required to block the fraudulent information from appearing on my credit report within four business days of receipt of this request and supporting documentation.Please confirm in writing that you have received this letter and indicate the steps being taken to resolve this matter. If you require any additional information, do not hesitate to contact me at the address or phone number provided above.Thank you for your prompt attention to this serious matter.Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Complaint against PayPal and financial institutions Reversals of Legitimate Transactions Related to XXXX Payments To whom it may concern, My name is XXXX XXXX, and I am submitting this complaint concerning unfair and damaging financial actions taken by PayPal and financial institutions. 

Between XX/XX/year> and XX/XX/year>, over hundreds of individuals voluntarily and knowingly used PayPal to send money to purchase cryptocurrency or membership packages from a company called XXXX XXXX. Each of these individuals made their own purchase decisions after receiving the cryptocurrency or package access. 

Now, after the company ceased operations, some individuals have filed chargebacks or disputes with PayPal and their banks, claiming unauthorized transactions. As a result, PayPal and certain banks are deducting money from our accountsthose of the recipientsas if we had committed fraud, even though there is clear evidence ( chats, payment records, transaction IDs ) proving that these payments were made willingly by the senders. 

We are being unfairly penalized and financially harmed due to these reversed payments, even though we did not sell or manage the products. The transactions were peer-to-peer, and our role was solely to receive the funds sent by those now disputing the payments. 

We respectfully request an investigation and any appropriate intervention to protect us from this abuse of the chargeback and refund systems. 

I am available to provide supporting documents, testimonies, and further explanation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LexisNexis Risk Solutions regarding the inclusion of XXXX XXXX inaccurate and damaging information XXXX XXXX in my personal consumer report. 

Specifically, my LexisNexis file erroneously lists a XXXX XXXX court record under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This information is not, and has never been, related to me. I am XXXX XXXX XXXX XXXX XXXX XXXX and have provided LexisNexis with valid government-issued identification ( my drivers license ) clearly reflecting this fact. Despite this, LexisNexis has refused to correct or remove the record, claiming that it is accurate. 

I previously disputed this information, and at one point, it was removed from my report. However, it has since XXXX XXXX reappeared XXXX XXXX, and LexisNexis has again refused to take proper actioneven after resubmitting the necessary documentation. 

This false court record is XXXX XXXX severely hindering my ability to secure safe and stable housing XXXX XXXX, which is causing significant emotional and financial distress. Under the XXXX XXXX Fair Credit Reporting Act ( FCRA ) XXXX XXXX LexisNexis is required to maintain accurate information and properly investigate disputes. Their failure to do so constitutes a violation of my rights. 

I am requesting the CFPB to investigate this matter and compel LexisNexis to : XXXX XXXX XXXX Immediately and permanently remove XXXX XXXX the inaccurate court record from my file. 
XXXX. Provide confirmation in writing of the deletion. 
XXXX. Take corrective measures to ensure this does not recur in the future. 

Please let me know if you need any supporting documents. I am prepared to provide my identification and the previous correspondence with LexisNexis. 

Thank you for your time and assistance in helping me resolve this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : 605C Dispute Request for Removal of Fraudulent Information Due to Identity Theft ( XXXX  Data Breach ) To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate and fraudulent information from my credit report, as authorized under Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, which I believe is directly related to the XXXX  XXXX breach that occurred in XXXX, exposing the sensitive personal information of millions of Americans.Due to this breach, I believe unauthorized accounts and/or inquiries may have been made using my personal information without my knowledge or consent. I am requesting that the following items be investigated and removed from my credit report : [ List each disputed item here, including : XXXX XXXX XXXX XXXXXXXX {$1500.00} opened XXXX, XXXX XXXX # XXXX {$2400.00} opened XXXX, XXXX XXXXXXXX XXXX XXXXXXXX {$350.00} opened XXXX Reason for dispute ( e.g., 'This account was fraudulently opened without my authorization.Enclosed Documents : To support my claim and in compliance with the FCRA requirements under Section 605C, I have enclosed the following documentation:1. A copy of a valid government-issued photo ID2. A copy of a recent utility bill or bank statement to verify my address3. A copy of the Identity Theft Report, which includes a police report or FTC Identity Theft AffidavitUnder Section 605C, you are required to block the fraudulent information from appearing on my credit report within four business days of receipt of this request and supporting documentation.Please confirm in writing that you have received this letter and indicate the steps being taken to resolve this matter. If you require any additional information, do not hesitate to contact me at the address or phone number provided above.Thank you for your prompt attention to this serious matter.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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NY

Complaint narrative:
I recently opened a US Bank Business Checking account on XX/XX/year>, and registered for the promotion offer XXXX to receive a {$900.00} bonus after depositing {$25000.00} within 30 days of account opening. Unfortunately, Ive encountered unexpected issues with transferring funds from my XXXX XXXX XXXXXXXX account to my US Bank business checking account. On XX/XX/year>, I attempted to transfer {$22000.00} to meet the required balance, but the transaction was rejected, and my US Bank account was temporarily frozen on XXXX XXXX. The funds were deducted from my XXXX XXXX  savings account but were not posted to my US Bank account, and were only returned to my XXXX XXXX  account on XX/XX/year>. This significant delay prevented me from making the necessary deposit within the XXXX window. Additionally, due to a {$15000.00} transfer limit, I was unable to complete the full transfer by XX/XX/XXXX, further complicating the situation. As this is my first experience with a business checking account, I was unaware of the potential challenges with external transfers and did not anticipate these delays. The full {$25000.00} has been deposited on XX/XX/XXXX to my US Bank business checking account. However, given the circumstances and the fact that the delay was beyond my control, I kindly request that you still honor the {$900.00} bonus even if the required deposit is slightly past the XXXX deadline. Thank you very much for your understanding and assistance in 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 2025-06-03 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: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: TX

Complaint narrative:
I signed up for a checking account, on XX/XX/XXXX, with Chime Bank, ( the deposit agreement and disclosure note utilizes XXXX XXXX XXXX, for deposit services ) which promoted earning up to XXXX. The XXXX was advertised. There are three steps outlined in my promotional email/text messages/social media, XXXX ) direct deposit XXXX to get XXXX USD in rewards, XXXX ) execute 15+ transactions and spend XXXX to get XXXX USD rewards, and XXXX ) 10 % cash back per transaction with a XXXX USD limit. I qualified for requirement XXXX ( I deposited XXXX on XXXX ), requirement XXXX ( spent XXXX on XX/XX/XXXX, XXXX transaction XX/XX/XXXX ), and requirement XXXX ( XXXX was spent with XXXX cashback awarded ). 1 was awarded, 2 was not, and 3 was partially met as I did not spend XXXX. 

I called and chatted with multiple operations staff and was told I qualify up until I got to the supervisor that needed to perform a manual adjustment to credit XXXX USD. They told me I did not qualify as it wasn't linked in the back end system. I shared emails and test messages me that I'm eligible for XXXX and that it was advertised to me prior to account sign-up and right after account onboarding. 

They mentioned no further action can be taken because what was advertised and agreed upon was not identical in the system and therefore void.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
DEAR CFPB TEAM : I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX ACCOUNT DETAILS : ACCOUNT NAMXXXX 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  As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
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 2025-06-03 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: NJ

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted 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 XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries 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 non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
DEAR CFPB TEAM : I am

writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : 1- ACCOUNT DETAILS : ACCOUNT NAME :
XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XXXX  BALANCE OWED : {$0.00} Fraudulent Inquiries to Be Removed : XXXX  - XXXX As required by law, this fraudulent information should be blocked for at le

ast one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation.

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 2025-06-03 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: NC

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 explanation