vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX {$1700.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-05-02 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: LA

Complaint narrative:
XXXX is inaccurately reporting a charge-off on my credit report. The vehicle in question was uninsured and declared a total loss. The lender closed the account, and there is no active balance. Despite this, XXXX continues to report the account as charged off with an outstanding balance. 

This violates the Fair Credit Reporting Act ( FCRA ) 1681i, which requires the removal of unverifiable or inaccurate information. It also goes against the precedent set in XXXX XXXX XXXX XXXX XXXX XXXX which mandates deletion of unverified entries. 

Furthermore, per XXXX XXXX  2025 Executive Order prohibiting charge-offs and collections from being reported on consumer credit reports without verified consumer consent, this account is in violation of federal policy.

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 2025-05-02 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: LA

Complaint narrative:
XXXX is inaccurately reporting a charge-off on my credit report. The vehicle in question was uninsured and declared a total loss. The lender closed the account, and there is no active balance. Despite this, XXXX continues to report the account as charged off with an outstanding balance. 

This violates the Fair Credit Reporting Act ( FCRA ) 1681i, which requires the removal of unverifiable or inaccurate information. It also goes against the precedent set in XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which mandates deletion of unverified entries. 

Furthermore, per XXXX XXXX  2025 Executive Order prohibiting charge-offs and collections from being reported on consumer credit reports without verified consumer consent, this account is in violation of federal policy.

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 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Timeline of Events : XX/XX/XXXX : I visited the Truist branch in XXXX, VA, to request a payoff statement for my auto loan. The staff were unfamiliar with the term " payoff statement. '' After staff consulted with customer service via phone, I was informed that I would be notified upon its arrival by mail. To date, never received payoff statement. 

XX/XX/XXXX : I refinanced my auto loan with XXXX, resulting in the issuance of a check # XXXX. 

XX/XX/XXXX : I attempted to deposit the check at the Truist branch in XXXX, VA. The staff declined to accept the check, stating they do not process auto loan payments and could not provide alternative contact information. 

XX/XX/XXXX : I located the appropriate address through online resources and mailed the check via XXXX XXXX XXXX. The package was delivered and signed for by XXXX XXXX at your XXXX, NC XXXX XXXX XXXX on XX/XX/XXXX. Delivery receipt attached. 

XX/XX/XXXX : I contacted Truist customer service to confirm receipt of the check. I was assured that the package had been received and that processing would occur within a few weeks. 

XX/XX/XXXX : Upon noticing no changes to my loan balance, I followed up. Customer service acknowledged receipt of the check but indicated that processing delays were causing the hold-up. 

XX/XX/XXXX : After spending over five hours on the phone with various customer service representatives, I was informed by agent XXXX that while the check was received, its application was untraceable. Supervisor XXXX advised initiating a " lost payment process, '' which required verification from XXXX. 

XX/XX/XXXX ( continued ) : I contacted XXXX, who confirmed that the check had not been cashed by Truist. Further discussions with Truist revealed that the check had been returned to XXXX due to a shortfall of {$180.00}. This was based on Truist not sending a payoff statement. This action was taken without prior notification to me, and I was informed that late fees would not be waived, as the responsibility lay with XXXX. 

As a result of these events, I was compelled to cancel my refinance, incurring unnecessary late fees and significant time lost.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MO

Complaint narrative:
I have been caught in a circular referral loop between Square, XXXXXXXX XXXX and XXXX, with each party denying responsibility and referring me to the others. Square tells me to contact XXXXXXXX XXXX XXXXXXXX says Square is solely responsible for the account. XXXX refers me back to the bank listed on the card ( XXXX ). 

This cycle has prevented me from disputing unauthorized transactions totaling {$1500.00}. 
I have made multiple good-faith efforts to resolve this issue, but there is no clear path for resolutionand no reassurance that the fraudulent activity wont continue. 

Timeline of Events : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX noticed three unauthorized charges totaling around {$150.00} to my Square business checking account ( debit card issued by XXXXXXXX XXXX  ). I clicked " Dispute '' for all three in Squares dashboard. 

Square deactivated my card, but offered no transparency about the investigation or my account 's security. They later said the dispute was closed in the merchants favor, citing card network regulations and refusing to reopen it. They did provide an address of the vendor when the vendor requested it from me. They also said I could find information about the disputes there are no disputes noted in this section of my online account. 

I contacted the merchant directly and they confirmed they had no record of these transactions. In fact, they suspected the charges were fraudulent and reached out to Square themselves, only to be met with indifference and no resolution.

I explained to Square that there was no actual dispute between me and the vendor, but Square still ruled in the vendors favor. I received two vague email responses, my last email ( sent XX/XX/XXXX ) bounced back with no further way to communicate about the dispute. 

XX/XX/scrub>XXXX XXXX XXXX  : I discovered XXXX additional unauthorized charges, various amounts over several months, bringing the total to {$1500.00} ( all with the same vendor/merchant name ). 

Escalation Attempts : I contacted Square support via live chat on their website and was told the additional transactions were outside their dispute window, but they would pass it along to a " dispute advocate '' the same department that had already closed my case. 

I then called XXXX, who transferred me to someone they said was XXXXXXXX XXXX, only for that person to reveal they were actually with Square and had no record of the charges and that I need to call XXXXXXXX XXXX 

I called XXXXXXXX XXXX directly, and was told they have no access to my account or any transaction recordsthat all support is handled by Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion 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 - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/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 2025-05-02 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-02 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: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I recently became aware of an account opened in my name without my knowledge or authorization. 
I contacted the company to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 
I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. 
I would like these accounts removed from my credit report as they can not provide me the original documents on how these accounts were opened and what was used to obtain these accounts.

* Credit Collections agreed for a pay to delete and did not delete the collections after payment ( XXXX ) * Credit Collections has an account for liberty mutual I have never had a liberty mutual policy ever and sent them a notice making them aware of this and this is identity theft. 

* XXXXXXXX XXXX  I am writing to inform you that I am a survivor of XXXX XXXXXXXX and am requesting that you take appropriate actions regarding debts or negative credit information that may have resulted from this abuse. I am also asserting my rights under federal law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ), and protections afforded under the XXXX XXXX XXXX XXXX ( XXXX ). 

I let the apartment know that I was moving out of the building & my partner would continue to live there. I informed the office manager to remove me from the lease. She told me she needed approval since I was coming off the lease. She refused to change the door code to give access to the apartment. I then received a bill from the apartment for unpaid rent after upon my move out she confirmed I had been removed. The lease was up in XXXX and they continued to charge additional months and preditory fees.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: UT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-02 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: KS

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Experian for inaccurately reporting a charged-off XXXX XXXX account. The account was charged off in XXXX and has had no payment activity since XX/XX/XXXX. However, Experian continues to report monthly charge-off updates through XX/XX/XXXX, which constitutes illegal re-aging under the Fair Credit Reporting Act ( FCRA ). This misrepresents the age of the debt, damages my credit, and falsely signals ongoing delinquency. 

I disputed this account with Experian and requested verification of the original delinquency date, explanation for the continued monthly reporting, and documentation from the creditor to support the accuracy of this information. Instead of correcting the account, Experian merely updated itwithout addressing the violation. 

I also informed Experian that this credit card was used to pay medical-related expenses, which should not be negatively impacting my credit under current CFPB guidance. Experian failed to provide any evidence to refute this claim or confirm the nature of the charges. 

I am requesting that the CFPB take action to require Experian to either : Delete this account entirely from my credit file, OR Update it to reflect a charge-off as of the original XXXX delinquency date only, without further derogatory updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief