vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME:XXXX XXXXXXXX XXXXXXXX XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX ACCOUNT NAMEXXXX XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAMEXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-27 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I sent a wire transfer via XXXX ( a PayPal service ) with XXXX incorrect digit, resulting in funds going to a stranger. The intended recipient ( my ex-wife ) confirmed the mistake as it was her typo. The receiving bank confirmed in person with ex wife present that the funds can be returned with a Letter of Indemnity ( LOI ) from XXXX as it did not reach her account nor her name. 

Despite this, XXXX refuses to initiate a recall or provide an LOI. They now deny any callback was filedeven after several calks to customer support saying they were going to call and assistand refuse to provide a transaction timeline, which is basic transparency under financial regulations. 

They are stonewalling, saying the bank confirmed the funds. The funds are for my special needs child. This is a clear failure of duty for a regulated money transmitter. I am requesting CFPB assistance in compelling XXXX to cooperate with the recall or provide written denial of the LOI for regulatory review in the amount of {$220.00}. They are saying i just need to take the loss and are refusing any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-05-27 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: OR

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/1992.

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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
opened XXXX account in chase bank got approved deposit {$12000.00} after the cleared on their end, they wont release the funds they say that they don't have proof that I am the owner of this XXXX  try closing the account they wont let me, as of now my account is restricted and XXXX is on hold I would really appreciate if u could help me with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXXXXXX  ( XXXX ) XXXX XXXX XXXX XXXX  To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute - Failure to Conduct Proper Reinvestigation by Experian Dear CFPB Representative, I am writing to formally dispute the handling of my previous complaint regarding inaccurate information reported by Experian Information Solutions , Inc . I am concerned that Experian failed to conduct a proper and reasonable reinvestigation into the dispute I submitted, and I believe the CFPB did not sufficiently address these violations in its review. 
Based on the CFPB 's own civil action filed against Experian ( Case No. 8:25-cv-24 ), it is evident that Experian has systematically violated the Fair Credit Reporting Act ( FCRA ), specifically by : * Failing to forward relevant dispute documentation to furnishers, * Applying incorrect or generic dispute codes that misrepresent the nature of consumer disputes, * Over-relying on Automated Credit DisputeVerification ( ACDV ) responses from furnishers, even when contradictory or illogical, * Failing to notify consumers of the specific results of their reinvestigations, * Refusing to reinvestigate hard inquiry disputes unless fraud is alleged.

In my case, Experian continued to report inaccurate information on my consumer report despite my submission of relevant documentation supporting my dispute. l received a vague or contradictory response, with no clear explanation or outcome. This experience is consistent with the CFPB 's documented findings against Experian.

I respectfully request that the CFPB : 1. Reopen and re-evaluate my complaint in light of the Bureau 's own enforcement action and factual findings.

2. Ensure that Experian complies with its legal obligations under FCRA and the Consumer Financial Protection Act.

3. Provide me with a clear explanation of any action the CFPB plans to take regarding this matter.

Please find enclosed any supporting documentation related to my dispute. I appreciate your attention to this matter and trust that the CFPB will take the necessary steps to protect consumers from these unfair practices, Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IA

Complaint narrative:
AccountXXXXfalse information and inaccurate information 15 usc1692g remove immediately from credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
Subject : Formal Dispute Request for Deletion of Inaccurate Late Payments Based on XXXX XXXX XXXX XXXX Dear XXXX XXXX, I am writing to formally dispute the late payment notations that are currently being reported on my XXXX XXXX loan account to the major credit reporting agencies. I am requesting that these late payments be permanently deleted from my credit history, as they are inaccurate and not reflective of my payment activity. 
On a recent phone call with a XXXX XXXX customer service representative, it was confirmed that my account is current and that there are no missed payments on record. This aligns with my own records, as I made XXXX advanced payments toward my auto loan, which placed my account ahead of schedule and in good standing. 

Legal Basis for My Dispute : Under 15 U.S.C. 1666b of the Fair Credit Billing Act, a creditor is required to : Credit a payment to the consumers account as of the date of receipt of the payment... 
This statute supports my position that payments made early must be credited timely and properly, and that future due dates must reflect such prepayments. Any reporting of a late payment while my account is current and paid ahead violates this provision and results in inaccurate reporting to the credit bureaus. 

My Formal Request : 1. Investigate the reporting of all alleged late payments on my account 2. Immediately remove all inaccurate late payment entries from any credit bureau to which they were furnished 3. Provide me with written confirmation of the correction and current payment status 4. Ensure any future reporting remains in full compliance with 15 U.S.C. 1666b and FCRA 15 U.S.C. 1681s-2 ( a ) ( accuracy in data furnished to credit bureaus ) These inaccuracies have caused unnecessary harm to my credit profile and do not reflect my true payment behavior. I expect a timely resolution to this matter in accordance with federal law. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am disputing the account reported as MACYS/CBNA, account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is inaccurately reflected on my credit report. The balance is {$0.00} and the payment status shows as current, yet the account includes derogatory remarks such as canceled by credit grantor and is categorized as a charge account. This is misleading and fails to clarify that the debt was fully resolved and paid. Under the Fair Credit Reporting Act ( FCRA ), information must be reported with maximum possible accuracy. The continued reporting of this account as negative, despite having no balance and being paid, is harmful and inaccurate. I am requesting that this tradeline be either corrected to reflect its fully paid status without derogatory remarks or removed entirely. * *

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 2025-05-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc
State: MI

Complaint narrative:
The amount was {$1100.00} the date was XX/XX/year> I called Chime several times after they closed my account I was told each time they had to mail a check within 30 days I called 3 times since then I was told the same XX/XX/year> I was told my account is not eligible for a refund and they cant give me anymore information about my money. They straight lie to me every time had me thinking my money was coming then almost 2 months later tell me the account isnt eligible this is insane I would NEVER EVER refer this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
Robinhood Restricted my Brokerage account for Identification Verification. I provided all information, two photos or myself ( selfies ) sent a photo of my passport, have answered all questions accurately. Questions like Social Security #, Home address, Date of Birth. Robinhood continues to push back date to verify account. I cant make adjustments to brokerage account or withdraw funds. Completely locked out.

Company response to consumer: Closed with explanation