vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
Subject : Request for Immediate Action to Remove Inaccurate Information and Fraudulent Accounts Due to XXXX Data Breach Dear [ TransUnion Consumer Services/Specific Contact ], I am writing to request the immediate removal of inaccurate and fraudulent information from my consumer credit reports, which are a direct consequence of the XXXX data breach that compromised my personal data. Under 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent accounts and inaccuracies deleted from my credit report within five business days of notification, and I am urging you to act swiftly in compliance with the Fair Credit Reporting Act ( FCRA ). 

In addition to the accounts previously identified, the following are fraudulent activities that must be addressed : XXXX. XXXX XXXX ( Account Number : XXXX ) : ** - Fraudulent Charges Total : {$690.00} - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX XXXX. XXXXXXXX XXXX  ( Account Number : XXXX ) : ** - Fraudulent Charges Total : {$3400.00} - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX : ** - Related to a Credit Card Opened by a Thief - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Fraudulent Amount : {$860.00} Additionally, I previously identified inaccuracies with : - XXXX XXXX XXXX XXXXXXXX : ** Incorrect late payment reports on a closed account. 
- XXXX XXXX XXXXXXXX : ** Incorrect late payment reports. 

Both instances represent inaccuracies unrelated to my payment history. 

For these fraudulent accounts, it is imperative that all related entries, inquiries, and negative notations be removed from my XXXX report promptly. This breach has already caused significant disruption and has exposed me to potential future damages if left unresolved. 

Enclosed, you will find copies of my reports with highlighted disputed entries, identity proof, and documentation related to the fraudulent activities. 

Please confirm the successful rectification and deletion of all disputed entries and fraudulent accounts by providing written confirmation or a detailed explanation if any action is pending within the specified timeframe. 

Thank you for promptly addressing these issues and ensuring my consumer credit report is accurate and restored. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MN

Complaint narrative:
I have an account withChime ( XXXX XXXX XXXX and they closed my account, telling me that I went against their policies. And when I went to asked them which policies that I didnt follow. I never received an answer to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-06 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: GA

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 XXXX USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
i am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NE

Complaint narrative:
Credit karma kept sending me pre approvals then I apply and take the hard inquiries and no approval

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and incomplete information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I found the following items to be erroneous and/or unverifiable : XXXX XXXX XXXX Account XXXX XXXX Inaccurate balance Incomplete payment history Unverified debt Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation of these items. If you can not verify them with 100 % accuracy, they must be deleted from my report immediately. Additionally, case law supports my position : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) Credit bureaus are required to conduct an independent investigation beyond simply relying on the data furnisher.

Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) Credit reporting agencies must remove unverifiable accounts if they can not be substantiated.

Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) Inaccurate information that can not be verified must be deleted from the credit report.

Pursuant to FCRA 1681s-2 ( b ), data furnishers must also conduct a proper investigation. If they can not verify the accuracy of the accounts, they must request deletion.

I demand that these inaccurate and incomplete accounts be removed from my credit file within 30 days, as required by law. If this matter is not resolved promptly, I am prepared to escalate the issue with the Consumer Financial Protection Bureau ( CFPB ) and take legal action if necessary.

Please provide written confirmation once the disputed items have been corrected or deleted. Additionally, send me an updated copy of my credit report reflecting these changes.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Looking at my credit report, I noticed an inquiry I don't recognize. 
This is the institution XXXX XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/year>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 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Reference to Code XXXX Dear Sir/Madam, I am writing to formally dispute an item on my credit report, which I recently received from your bureau. The item in question is associated with the code XXXX, and I believe it to be inaccurate or erroneous. I request a prompt investigation into this matter and a correction, if necessary, in accordance with the Fair Credit Reporting Act. 

Details of the disputed item : Account Name : Self financial lead bank Account Number : XXXX Disputed Code : XXXX Date of Entry : XX/XX/year> I request that you review the above-mentioned item and provide me with the results of your investigation. Please remove or correct this entry if it is found to be inaccurate, incomplete, or unverifiable. 

In accordance with the Fair Credit Reporting Act, I ask that you notify me of the outcome of your investigation, including any changes made to my credit report, within 30 days. I have attached relevant documentation to support my claim, which includes [ copies of statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this issue. 

Sincerely, XXXX XXXX [ Enclosures : Copies of documents supporting your dispute, if any ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information that is reporting on my Equifax credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my consent. The following accounts are fraudulent and have to be removed from my credit profile. All of the accounts, are the result of identity theft and fraud. 

XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$2100.00} Account number XXXX XXXX XXXXXXXX Opened XX/XX/XXXX With a balance of {$220.00} Account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$220.00} Account number XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$22000.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. 

I have added copies of the FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that all of the consumer loans are the result of identity theft and fraud. Without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
As for my credit profile with all 3 bureaus are wrong. Including my name, date of birth, address and place of employment.

It should reflect on all bureaus Name XXXX XXXX XXXX Date of birth XX/XX/2002 Address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX Employment XXXX  Please correct the following information in order to report accuracy

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 2025-04-06 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1400.00}

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 2025-04-06 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: CA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on My Credit Report Reference to Code 1562 Dear Sir/Madam, I am writing to formally dispute an item on my credit report, which I recently received from your bureau. The item in question is associated with the code 1562, and I believe it to be inaccurate or erroneous. I request a prompt investigation into this matter and a correction, if necessary, in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ads/ comenity Account Number : XXXX Disputed Code : XXXX Date of Entry : XX/XX/2020 I request that you review the above-mentioned item and provide me with the results of your investigation. Please remove or correct this entry if it is found to be inaccurate, incomplete, or unverifiable. 

In accordance with the Fair Credit Reporting Act, I ask that you notify me of the outcome of your investigation, including any changes made to my credit report, within 30 days. I have attached relevant documentation to support my claim, which includes [ copies of statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this issue. 

Sincerely, XXXX XXXX [ Enclosures : Copies of documents supporting your dispute, if any ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've been trying to close my account with Fifth Third Bank but face unnecessary hurdles. Their policy requires phone calls during limited weekday hours, which conflicts with my work schedule. Multiple calls have been unproductive, with staff attempting to persuade me to keep my account open rather than facilitating closure. This process is inconvenient and ignores customer needs for flexibility in managing their accounts. I request intervention to address these restrictive practices and improve customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block and remove 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.

This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts. 


ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX XXXX, XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud

Company response to consumer: Closed with non-monetary relief