vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-10-07 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: IL

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 explanation
Consumer complaint received 2025-10-07 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:
Comply with the Fair Credit Reporting Act, specifically 15 U.S. Code 1681g, by removing disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: SC

Complaint narrative:
As per 15usc 1611 XXXX  TransUnion XXXX XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have asked on several occasions for a detailed statement showing how my payments have been applied to my commercial loan with TD Bank. I have not been provided with that information. Each month I am only told the exact amount due, but I have been sending additional funds to bring my account up to date. I have never received confirmation or documentation showing how the extra payments were applied. 

Most recently, I received a late notice for XX/XX/year>, even though I made the payment on time and included additional funds. When I contacted the representative assigned to my account, I was told that the money has not been applied. 

I am requesting monthly statements showing how all of my payments are applied to my loan and a complete accounting of all funds I have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to the CFPB regarding a credit reporting agency that has failed to properly investigate my disputes and continues to report inaccurate information.

The agency is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681, Section 602 ( A ) : affirms my right to privacy in credit reporting.

15 U.S.C. 1681, Section 604 ( A ) ( 2 ) : states that a consumer reporting agency can not furnish or maintain any account information without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : prohibits reporting adverse information older than seven years, other than criminal convictions.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : makes it unlawful for furnishers to report or continue reporting information they know or have reason to believe is inaccurate.

I have already disputed these items directly with the bureau, yet they have failed to conduct a proper reinvestigation or remove the inaccurate and outdated information. Their continued reporting and refusal to comply appear to be willful violations of the FCRA. 

Please see the attached letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
Back in XXXX I ordered some XXXX  and they came damaged with missing parts. I tried to go through XXXXXXXX XXXX XXXX XXXXo get our money back cause thats where I ordered them from and tried to get my money back from the square and we have sent them proof of the damaged product and they are not giving me back my money. I put in a dispute with square and they are not reviewing any of my documents or giving me any updates or anything. I put the dispute in XXXX. XX/XX/XXXX. I would like my {$2200.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in the light of the recent CFBP highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions were infeasible the CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leavings users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous of times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking transactions was not feasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wanted to bring to your attention that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns about the safety of my sensitive data, leading to the creation of fraudulent accounts and debts in my name. I kindly ask you to consider this issue while reviewing my credit report and to take the necessary steps to correct any inaccuracies or fraudulent activities.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to bring to your attention that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns about the safety of my sensitive data, leading to the creation of fraudulent accounts and debts in my name. I kindly ask you to consider this issue while reviewing my credit report and to take the necessary steps to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-10-07 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: AL

Complaint narrative:
Dispute entire tradeline & all late months. Installment/Collection mix, Past Due {$18000.00}, monthly lates on a collection, XXXX XX/XX/XXXX XXXX Last Pmt XX/XX/XXXX = internally inconsistent & XXXX. 
Cites : FCRA 607 ( b ), 611 ; Cushman ; Reg V ; FDCPA. 
Fix ( XXXX XXXX ) : Type=Collection ; Past Due=0 ; Sched Pmt=XXXX  ; no XXXX lates ; DOFD ; CCC=XB. 
Demand : Ledgers for each late ( codes proof ). If not independently verified delete. 
Enclosures : ID, address, Experian pages. 
XXXX ) Credit Acceptance Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Dispute all late months and current reporting ( Open ; {$0.00} pmt ; Past Due = Balance ). Correct Status/Original Loan AmounXXXX or delete. 
Cites : FCRA 607 ( b ), 611, 623 ; Cushman ; Reg V.

Demand : Ledgers ( due/receipt/posting ). Codes proof. Non-verification delete. 
Enclosures : ID, address, pages. 
XXXX ) XXXX XXXX ( XXXX ) Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting with XXXX XXXX $ XXXX. 
Law/Metro XXXX XXXX FCRA XXXX ( b ) XXXX ; XXXX XXXX ; Sched XXXX ; DOFD present. 
Demand : Ledgers for all lates ; if not independently verified, delete. 
Enclosures : As above. 
XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit/Original Loan Amount inconsistent across CRAs post XXXX XXXX 
Law : FCRA 607 ( b ), 611, 623. XXXX XXXX : correct XXXX XXXX XXXX XXXX XXXX XXXX 
Demand : Independent verification or deletion ; ledgers for lates ( codes proof ). 
Enclosures : As above. 
XXXX ) XXXXXXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CRA shows Negative/NoDataAvailable, others Positive/Closed. Correct or delete.

Law : FCRA 607 ( b ), 611. XXXX XXXX : Closed/ {$0.00}, accurate Payment Rating/PHP. 
Demand : Ledgers for any late months ; codes proof. If not verified, delete.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 explanation
Consumer complaint received 2025-10-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
the emotional toll has been very overwhelming I have lost sleep, constant stress this debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is to be signed by XXXX parties and I did not participate in any of it. They did not follow the proper XXXX validation process procedure. According to the FDCPA im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges I demand this account be taken off immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a formal demand for the removal of inaccurate personal information being reported on my credit file. The following addresses are either outdated, inaccurate, fraudulently associated, or are otherwise not legally connected to my identity. 
REMOVE IMMEDIATELY : 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a formal demand for the removal of inaccurate personal information being reported on my credit file. The following addresses are either outdated, inaccurate, fraudulently associated, or are otherwise not legally connected to my identity. 
REMOVE IMMEDIATELY : 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 response to consumer: Closed with non-monetary relief