vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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 checking my credit report and I noticed thad I had some inaccurate items that does't belong to me. Iam in the process of buying a house and these accounts arfe affecting my ability to obtain credit Please validate these accounts and the absence of any verification, please delete these as soon as posible.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I was stopped at the light on the corner of XXXX XXXX XXXX XXXX XXXX. Some boys selling water approached my car. I was going to give them {$2.00} for water and unlocked my cashapp. They acted suspicious and when I became reluctant XXXX of them snatched my phone out of my hand. They blocked my car door with electric scooters, and once I finally got it open they threw the phone back into my window and sped off. 

I immediately pulled over and called the police. ( The report number is # XXXX ). Cashapp, however, denied my request to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>XXXX  I made an attempt to XXXX {$4500.00} USd to a recipient. This was under of the admitted limit. The payment was subject to approval. 
Next day in the morning my account was blocked from access. 
First call was around XXXX XXXX  central time I called to get access truist support and bank would not allow to reset password to verify me as a valid caller and legit caller. I gave all security questions, but they said they had a broken tool that would not allow this to be permitted until later in the afternoon. 
Second phone call around XXXX I called again to help me and answered all the security questions to help me but i did not want to give my sensitive info such as my user name. The member of the team automatically blocked me and said since i failed to answer with my user name then i was not to be allowed to defreeze my access. I asked to be transferred to a superior and gave my XXXX  phone number to get a call back in less than 30 minutes.

They never called Third and final attempt around XXXX central standard time i called again with no avail. I gave all security questions and asked why in the first case i was blocked. I did nothing wrong. My attemp to transfer {$4500.00} dollars froze my account. I told them i could not make an XXXX  trip to a local XXXX XXXX branch to simply unblock my access to online account procedures. 
I pleaded that my bill and movements depended heavily on my ability to have access and to no avail. 
Again i gave all my info pertinent for this to help me and i wven gave my ID and no help. 
I did nothing wrong are putting me on a very stressful situation

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 2025-05-20 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: TX

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-20 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:
They violate my rights as a consumer under 15 usc 1681b and I need these items block and delete off my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
They violate my rights as a consumer under 15 usc 1681b and I need these items block and delete off my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: MS

Complaint narrative:
On XX/XX/year>, my student loans were placed into forbearance by Mohela, they sent a letter stating what entails in the forbearance, my loans have been accruing interest since. It is stated by them that the interest rate should be reduced to 0 % as the first immediate option. I should be paying interesting accruing during forbearance hoping for a backpay or compensation later in a unprecedented case decision that everyone is waiting on for almost a year later for and possibly even longer. Below is a pdf showing the forbearance letter, the interest accrued through XXXXXXXX  which was after a {$400.00} payment on XXXX, and also account history showing that 0 % interest was only applied through XXXX and the forbearance has been extended through XXXXXXXX  yet interest is still accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I am filing a dispute regarding a collection account from XXXX XXXX XXXX, reporting a balance of {$16000.00}, with an alleged original creditor listed as Avant Webbank. This account is labeled as a Debt Buyers Account, opened on XX/XX/XXXX, and last reported in XX/XX/XXXX. 

This debt buyer is reporting inaccurate, unverifiable, and incomplete information in violation of multiple federal laws. 

XXXX. Lack of Proper Validation ( FDCPA 809 / 15 U.S.C. 1692g ) : I never received a full validation of this debt. As a debt buyer, XXXX Funding is required by law to provide : A copy of the original signed contract or application with Avant A full chain of title showing legal ownership of the debt A breakdown of the amount owed, including interest, fees, and principal Their legal authority to collect and report this debt 2. Inaccurate & Incomplete Reporting ( FCRA 602 ( a ), 607 ( b ), 609 ( a ), 611 ( a ) ) : The account is marked Collection across all bureaus, yet shows $ 0 monthly payment and {$0.00} past due on TransUnion and Experian this is contradictory and misleading. 

There is no activityno payments, no verification attempts, and no evidence of communication with me. 

The original creditors name is not uniform ( listed as " XXXX XXXX XXXX '' on XXXX report and XXXX XXXX on others ). 

The account has been reported for over XXXX years with no updates, making the information outdated and possibly stale. 


Under FCRA XXXX, I have the right to dispute this information and demand deletion if it can not be verified with documentation. Debt buyers like XXXX XXXX do not have original agreements, yet they continue to damage consumers credit files without fulfilling legal obligations. 

If XXXX XXXX can not provide the signed original agreement, full chain of title, and legal authority to report, I demand this tradeline be deleted permanently from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a dispute regarding a collection account from XXXX XXXX XXXX, reporting a balance of {$16000.00}, with an alleged original creditor listed as Avant Webbank. This account is labeled as a Debt Buyers Account, opened on XX/XX/XXXX, and last reported in XX/XX/XXXX. 

This debt buyer is reporting inaccurate, unverifiable, and incomplete information in violation of multiple federal laws. 

XXXX. Lack of Proper Validation ( FDCPA 809 / 15 U.S.C. 1692g ) : I never received a full validation of this debt. As a debt buyer, XXXX Funding is required by law to provide : A copy of the original signed contract or application with Avant A full chain of title showing legal ownership of the debt A breakdown of the amount owed, including interest, fees, and principal Their legal authority to collect and report this debt 2. Inaccurate & Incomplete Reporting ( FCRA 602 ( a ), 607 ( b ), 609 ( a ), 611 ( a ) ) : The account is marked Collection across all bureaus, yet shows $ 0 monthly payment and {$0.00} past due on TransUnion and Experian this is contradictory and misleading. 

There is no activityno payments, no verification attempts, and no evidence of communication with me. 

The original creditors name is not uniform ( listed as " XXXX XXXX XXXX '' on XXXX report and XXXX XXXX on others ). 

The account has been reported for over XXXX years with no updates, making the information outdated and possibly stale. 


Under FCRA XXXX, I have the right to dispute this information and demand deletion if it can not be verified with documentation. Debt buyers like XXXX XXXX do not have original agreements, yet they continue to damage consumers credit files without fulfilling legal obligations. 

If XXXX XXXX can not provide the signed original agreement, full chain of title, and legal authority to report, I demand this tradeline be deleted permanently from all credit reporting agencies.

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 2025-05-20 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: FL

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, as required by law, I was not provided with a statement 21 days prior. Therefore, no late payments should be recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) XXXX  Account Number : XXXX * * * * This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau, and my State Attorney General. 

I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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 2025-05-20 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) 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 shall- ( i ) 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 ( i ) 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-05-20 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affid
avit to report multiple fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX on XX/XX/XXXX under the same account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-20 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 recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-20 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:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief